We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
SIPP - Who To Go With and What to Invest In?
Comments
-
PPPs can be best. SIPPs can be best. Statistically, most people are better off with a PPP rather than a SIPP (or a stakeholder pension which is the third option)
Its all about choosing the best that fits what you want to do. SIPPs are popular in the DIY world where there is less regulation there and people are free to make their own mistakes. In the advisory world where regulation is higher, PPPs are more popular as the regulator and ombudsman treat SIPPs as more advanced options.
SIPPs are geared towards the more experienced investor looking for more advanced investment options.
From what you are saying I think I'd be swayed more to the Personal Pension Route then if I decided to go down the pension road.0 -
If you own your own home, that would be putting all your eggs in one basket.
Plus you really need more than one rental in a portfolio to sustain retirement. Plus you should have skills and experience in the area. It probably isn't suitable for you to invest that way for income in retirement.
Thanks for your advice. Why property was an option was I could buy it now, rent it out and sell it in about 12 years time at hopefully an increased price. However, more I think about it, I don't want to lose all my savings and I'd be buying now at peak property prices, plus it's a hassle if you get bad tentants, upkeep of the building, etc.
I will look into personal pension options now I think. I'll be back to ask what investments they have on offer and your considered opinions of what to choose, if you don't mind !
Thank you for all your responses so far- it's been a great help :T0 -
That increase in priced will be taxed. Growth in a pension isn't as it is sheltered from tax.
Plus you get tax relief with a pension which means ever 80 you put in becomes 100. It takes time for an 80K property to become a 100K property and half that increase is taxed.
Plus as you say the hassles can be many.
If you had though of this 4/5 years ago then perhaps it might have been an idea. But then again, pensions grew strongly after the crash.0 -
If it's of any use to you in your hunt for investments, one pension pot that I have has the following assets:
UK gilts 10%
UK corporate bonds 19%
UK equities 21%
US equities 8%
Japanese equities 5%
European equities 8%
Pacific equities 1%
Emerging markets 6%
Property 13%
Absolute returns 6%
Cash 5%
Not saying you should replicate that exactly but it will maybe give you some food for thought for further research into trackers, multi asset funds etc.0 -
How does this sound? A personal pension plan with AVIVA through Cavendishonline to cut costs.
Looking at Multi Asset Plans: Aviva GLG Stockmarket managed: Both these show good rates of return in the last few years compared to all others - with the GLG slightly infront.International Equities
35.88%UK Equities
27.84%Managed Funds
13.81%Cash and Equiv.
9.48%Alternative Trading Strategies
5.04%International Bonds
4.41%UK Corporate Bonds
1.76%Property
0.96%Other
0.71%Investment Trusts
0.11%
or Newton Managed Fund?International Equities
53.51%UK Equities
33.77%Other
4.15%UK Corporate Bonds
3.49%Investment Trusts
3.30%Property
0.75%Cash and Equiv.
0.66%International Bonds
0.37%
Could combine both?0 -
If it's of any use to you in your hunt for investments, one pension pot that I have has the following assets:
UK gilts 10%
UK corporate bonds 19%
UK equities 21%
US equities 8%
Japanese equities 5%
European equities 8%
Pacific equities 1%
Emerging markets 6%
Property 13%
Absolute returns 6%
Cash 5%
Not saying you should replicate that exactly but it will maybe give you some food for thought for further research into trackers, multi asset funds etc.
That would be impossible to replicate as the percentages add up to 102%.0 -
Oops, emerging markets was 4%. Congratulations, you passed with flying colours!!0
-
'Looking at Multi Asset Plans: Aviva GLG Stockmarket managed: Both these show good rates of return in the last few years compared to all others - with the GLG slightly infront.'
Is there a website that allows easy comparison?
Thanks0 -
It is always stated that PPs are cheaper than SIPPs
I have recently set up a SIPP for my daughter - it is invested in VLS 100% - the costs are 0.25% platform charge, 0.29% fund charge/anum and a one off 0.1% initial charge for the VLS fund. This equates to just over 0.54% /anum and I cant see any other charges - are PP's that much cheaper and will this still be the case when the new pension rules come in?0 -
Is there a website that allows easy comparison?
Thanks
I like trustnet http://www.trustnet.com/
also HL has nice graphs.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards