How to pick 1 or 2 investments

atush

I am sure Vanguard is available on some of the platforms Cavendish has?

Jaguar_Skills

I think it is is it just that the difference between personal and fund pensions that Cavendish offer js fees?

AlanP_2

Jaguar_Skills wrote: »

So now the question is which pension provider? Bowlhead seemed to suggest that at my stage a personal pension would be best, but Vanguard 80 isnt available through Cavendish personal.

All the Vanguard funds, and 100's of others, are available from Fidelity Funds Network via the Cavendish Personal Pension that they offer:

http://www.cavendishonline.co.uk/pensions/ and select the FUNDS tab to see the range on offer.

0.05% to Cavendish and 0.25% to Fidelity plus the underlying fund charges.

Jaguar_Skills

AlanP wrote: »

All the Vanguard funds, and 100's of others, are available from Fidelity Funds Network via the Cavendish Personal Pension that they offer:

http://www.cavendishonline.co.uk/pensions/ and select the FUNDS tab to see the range on offer.

0.05% to Cavendish and 0.25% to Fidelity plus the underlying fund charges.

Is that cheap by comparison of the other providers?

redbuzzard

Half into Vanguard 80 and half into Vanguard 100 would give you 90% equities, to state the obvious!

AlanP_2

Jaguar_Skills wrote: »

Is that cheap by comparison of the other providers?

Cheapest option for me according to the comparisons I did - reasonably small pot so %'age based works out OK, may need to move it at a later stage if pot grows significantly or we want to add anything other than funds.

bowlhead99

Jaguar_Skills wrote: »

So now the question is which pension provider? Bowlhead seemed to suggest that at my stage a personal pension would be best, but Vanguard 80 isnt available through Cavendish personal.

I said there was no point getting a SIPP and paying for platform services you don't need.

0.05 to Fidelity and 0.25 to Cavendish plus 0.24% to Vanguard for Lifestrategy is 0.54 total, and Vanguard is nearly the cheapest multi asset fund out there. Meanwhile you can get simple stakeholder funds for 0.5-0.6% all in and personal pensions will get cheaper the more money you have in your portfolio in total.

dunroving

AlanP wrote: »

All the Vanguard funds, and 100's of others, are available from Fidelity Funds Network via the Cavendish Personal Pension that they offer:

http://www.cavendishonline.co.uk/pensions/ and select the FUNDS tab to see the range on offer.

0.05% to Cavendish and 0.25% to Fidelity plus the underlying fund charges.

bowlhead99 wrote: »

I said there was no point getting a SIPP and paying for platform services you don't need.

0.05 to Fidelity and 0.25 to Cavendish plus 0.24% to Vanguard for Lifestrategy is 0.54 total, and Vanguard is nearly the cheapest multi asset fund out there. Meanwhile you can get simple stakeholder funds for 0.5-0.6% all in and personal pensions will get cheaper the more money you have in your portfolio in total.

Don't mean to hijack the OP's thread but hopefully this will be relevant to the OP, too.


First, why would anyone go through Cavendish to get at Fidelity, when you can go straight via Fidelity and save .05%? Is there some advantage to Cavendish? Or did you just suggest this because the OP said they wanted to use Cavendish?


Second, by "personal pension", are you including SIPP? Or something slightly different? I sometimes see people on here say that SIPPs are expensive (but then I get the sense they mean "true" SIPPs where you are investing in individual S&S rather than funds). I use a Fidelity "SIPP" but am investing in funds just like the OP is talking about. Is there a cheaper (charges-wise) way to do this?

Jaguar_Skills

bowlhead99 wrote: »

I said there was no point getting a SIPP and paying for platform services you don't need.

0.05 to Fidelity and 0.25 to Cavendish plus 0.24% to Vanguard for Lifestrategy is 0.54 total, and Vanguard is nearly the cheapest multi asset fund out there. Meanwhile you can get simple stakeholder funds for 0.5-0.6% all in and personal pensions will get cheaper the more money you have in your portfolio in total.

The problem with personal pensions is I can't seem to find good global trakers like Blackrock consensus or Vanguard?

Jaguar_Skills

Dunroving yes that is useful