I opened a Sipp with II and have made company contributions to my Sipp Bank account so that the money is at least ringfenced from CT, so technically that a 20% return straight away.
Now the question as to what to invest in rears it head.
I plan to retire in < 5 years
I prefer being a passive investor and I tend to buy and hold
I like the concept of the Vanguard Target Retirement 20xx type Funds
But with the Pound being low & hence FTSE etc is on a high there is a real risk of trackers making an initial loss
My IFA is going to have to earn his fee!
Oh for a Crystal Ball.