DIY Pensions Advice for a Limited Company!
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  1. #61

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    @tinfed
    Depending on your age you probably have plenty of time to get this right. Talk to an IFA for advice not a bunch of IT contractors. You don't have to follow that advice nor maintain a long term or potentially costly relationship with that IFA.

    Right now a lot of the popular funds e.g Vanguard are languishing following last years large post brexit gains so you should be concentrating on getting the pension vehicle right initially
    So now I am worried, am I being deceived, just how much sugar is really in a spoon full!

  2. #62

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    Ps
    Did you pick that fund out of a hat?
    Looking at Morning Star It has performed poorly against the Sector and pretty much matches the FTSE benchmark over the last 5 years or so.

    The fees are cheap so it may be a safe FTSE tracker if that is what you are after though it's just not a stellar performer


    Go speaketh to a financial grown up.
    Last edited by DallasDad; 7th October 2017 at 06:35.
    So now I am worried, am I being deceived, just how much sugar is really in a spoon full!

  3. #63

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    Thanks for your reply Dallas. I actively manage my portfolio so I want some of it to be made up of low cost tracker funds. My IFA suggested SIPPS were more expensive than standard personal pensions but this is not what I've seen in the market so I thought I'd ask here. I've found Aviva platform charges 0.4% on top of the fee the fund charges. Was wondering if anyone knows a cheaper fund supermarket?

  4. #64

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    Quote Originally Posted by Tinfed View Post
    Thanks for your reply Dallas. I actively manage my portfolio so I want some of it to be made up of low cost tracker funds. My IFA suggested SIPPS were more expensive than standard personal pensions but this is not what I've seen in the market so I thought I'd ask here. I've found Aviva platform charges 0.4% on top of the fee the fund charges. Was wondering if anyone knows a cheaper fund supermarket?
    Your IFA would as they aren't getting paid if you use fund supermarket/platform.
    "You’re just a bad memory who doesn’t know when to go away" JR

  5. #65

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    Quote Originally Posted by Tinfed View Post
    Thanks for your reply Dallas. I actively manage my portfolio so I want some of it to be made up of low cost tracker funds. My IFA suggested SIPPS were more expensive than standard personal pensions but this is not what I've seen in the market so I thought I'd ask here. I've found Aviva platform charges 0.4% on top of the fee the fund charges. Was wondering if anyone knows a cheaper fund supermarket?
    For flat rate platforms I recommend either Cavendish (which is actually Fidelity platform) or Close Bros. Either will be around half the cost of the often recommended HL which charges a horrendous 0.45% on most investments. If a flat rate platform appeals, I recommend Interactive Investors. I use II and CB for me and my families ISA/SIPP portfolios.
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  6. #66

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    @tinfed
    I thought I had posted this here somewhere but perhaps not. Go to the langcat site and download their reports

    They provide a good comparison of sipp providers and the variations in cost models.
    So now I am worried, am I being deceived, just how much sugar is really in a spoon full!

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