core trackers for Sipp

pointdexter
pointdexter Posts: 5 Forumite
Ninth Anniversary Combo Breaker
in Pensions, annuities & retirement planning
Good afternoon, i am new to mse. I have just opened a vantage sipp with HL, (after negotiating a lower 0.25% fee structure).I need some guidance/ ideas for passive core ideas then i can build round it . 253k to invest,i am 54. :beer:
Regards pointdexter
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Comments

  • dunstonh
    dunstonh Posts: 119,383 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    When you DIY, you make the decisions. That is the whole point of it. There is no point asking others what they would do as you have no idea of their knowledge, experience, risk profile, capacity for loss, how active they are in rebalancing the portfolio or what due diligence they have carried out.

    It would be better if you tell us what you think you want to do and then let us pick holes in it ;)
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • zagfles
    zagfles Posts: 21,381 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Chutzpah Haggler
    Have you seen the HL tool for tracker portfolio suggestions?
    http://www.hl.co.uk/funds/index-tracker-funds/tracker-portfolios
  • Sobryma
    Sobryma Posts: 271 Forumite
    edited 27 March 2014 at 10:00PM
    Buy a copy of Smarter Investing (Hale) or Investing Demystified (Kroijer) - they give you an idea of portfolio's; or Google Lazy Portfolio's and adapt them; or buy S/H US Books such as All about Asset Allocation (Ferri), Asset Allocation Balancing Financial Risk (Gibson).
  • kidmugsy
    kidmugsy Posts: 12,709 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Look at the monevator blog for model portfolios.
    Free the dunston one next time too.
  • Bunker
    Bunker Posts: 28 Forumite
    pointdexter wrote: »
    Good afternoon, i am new to mse. I have just opened a vantage sipp with HL, (after negotiating a lower 0.25% fee structure).I need some guidance/ ideas for passive core ideas then i can build round it . 253k to invest,i am 54. :beer:
    Regards pointdexter

    Is that 0.25% instead of the new 0.45%?.

    How did you manage that?
  • westy22
    westy22 Posts: 1,105 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Bunker wrote: »
    Is that 0.25% instead of the new 0.45%?.

    How did you manage that?

    OP post 1 - 253k to invest!
    Old dog but always delighted to learn new tricks!
  • zagfles
    zagfles Posts: 21,381 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Chutzpah Haggler
    Bunker wrote: »
    Is that 0.25% instead of the new 0.45%?.

    How did you manage that?
    Lots of people have negotiated lower charges, see https://forums.moneysavingexpert.com/discussion/4889890
  • dunstonh
    dunstonh Posts: 119,383 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I wouldnt be surprised if the FCA take an interest in HL's pricing policy. 0.45% if you dont complain but 0.25% if you do is unethical.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • zagfles
    zagfles Posts: 21,381 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Chutzpah Haggler
    dunstonh wrote: »
    I wouldnt be surprised if the FCA take an interest in HL's pricing policy. 0.45% if you dont complain but 0.25% if you do is unethical.
    Really? But it's OK for IFAs to haggle discounts on products (eg annuities) is it?
  • atush
    atush Posts: 18,731 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I think there is a difference between two commercial entities haggling, and charges to customers?

    One is commerce, and there are rules under fair trading for the other?
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