Are pensions capital?

atush

Ideally you should know beforehand?

do some research?

r_i_c

xylophone wrote: »

I saw this http://www.careerteachers.co.uk/mainstream-training-courses

You might be able to access a "Return to Teaching" course?

Thanks, yep, the string here is that you have to be registered with this private agency first, their £30 fee does not mention the CRB cost all supply teachers are now obliged to pay. When these checks first appeared agencies paid for them - now you pay the agency. But anyway, I'd probably opt for TA if I wanted to get immediate employment, still need the CRB of course. However, working with dementia would be closer to my recent work as carer and I am qualified for the art teaching component, that could be a long term goal.

In the immediate present is mum's ageing pet to look out for who has renal failure, and the overall finances which are up in the air at the moment. This coming month should get me a full list of DDs because I am not convinced that I am not overpaying some of these companies, but I need everything to stabilise first, then I can see what's what.

r_i_c

atush wrote: »

Ideally you should know beforehand?

do some research?

Indeed thanks, that's why I asked about beginners' guides to investing; but there's a lot on my plate at the moment. I am still finalising what is required of me as executor, hopefully I can draw a line under that by the end of this weekend.

atush

You know the name of your funds? So put them in one by one and ask the payment date/ Or call your platform and ask over the phone.

I know you are busy, and things are hard.

But your financial situation is getting better so that should lift your spirits?

We had someone here a few weeks ago who was struggling with dealing with the paperwork after a death.

and didn't send off the forms in time/ And lost thousands for not doing so?

It doesn't matter if you have good reasons or bad. If paperwork isnt' done in time, money can be lost?

r_i_c

atush wrote: »

You know the name of your funds? So put them in one by one and ask the payment date/ Or call your platform and ask over the phone.

Thanks, that's what fazed me when HL said we'll pay you monthly if there is anything to pay. But I think more HL paperwork is in the post to me especially regarding the newly created ISA.

I'll also try that kind link from Xylophone's 'Invesco' post. Whether I will yet understand what I find there is another matter - all in good time (I hope).

HL have already told me that they pay on the 12th day of each month - so what else do I need to know right now please? I am much too new to investment to safely do more than this at the moment. I have ordered a beginners' book on investing this very evening.

All the IHT paperwork is finished with now, probate was granted. So I am not about to fall foul of that paperwork, it has all been tied up with copies in folders. HL seem quite happy with the limited dealing I have done to date, it was an unexpected boon that I already had a Vantage Fund account parallel to the SIPP, it has made life much simpler, I needed to create only one new item, the ISA.

r_i_c

Have identified my four HL Vantage Fund trusts at Trustnet:

1. HL Multi Manager Income & Growth (income)

2. HL Multi Manager Balanced Managed A (Acc) 40-85%

3. HL Multi Manager Equity & Bond (income) 20-60%

4. HL Multi Manager Strategic Bond A (income)

They all seem to be on the up? I take it these are 'tracker' or 'mixed' holdings which are safer than opting to buy shares in single companies? On Monday I need to think about swapping number 2 to an income trust, if the accumulation trust is not really working for me here?

Thanks.

mania112

Don't be too concerned about whether the fund is INC or ACC, it doesn't mean what i think you think it means.

In pension funds it's only a minor technical difference which has little baring on the return you get.

Theyre all managed and it's a decent spread, depending on the percentage in each. Performance world wide hasnt been great lately, but there's no need to consider changing them just yet.

r_i_c

mania112 wrote: »

Don't be too concerned about whether the fund is INC or ACC, it doesn't mean what i think you think it means.

In pension funds it's only a minor technical difference which has little baring on the return you get.

Theyre all managed and it's a decent spread, depending on the percentage in each. Performance world wide hasnt been great lately, but there's no need to consider changing them just yet.

Thanks - what about the Vantage Fund, & the HL ISA though?

The charts I saw for those previous 4 holdings seemed to be rising slowly but steadily.

xylophone

http://www.ft.com/cms/s/0/62396f74-e139-11e1-9c72-00144feab49a.html#axzz3izkpXYnB

All four funds are the type of funds described above.

Re INC or ACC - http://www.morningstar.co.uk/uk/news/69927/share-classes-accumulation-vs-income.aspx

might be worth a look.

Re divs on these funds - HL does not subscribe to Trustnet so div details not available.

However, the frequency of dividend payments can be checked on HL site - monthly for the three INC funds.

Are you holding the same funds in the Fund and Share as in the ISA?

r_i_c

xylophone wrote: »

http://www.ft.com/cms/s/0/62396f74-e139-11e1-9c72-00144feab49a.html#axzz3izkpXYnB

All four funds are the type of funds described above.

Re INC or ACC - http://www.morningstar.co.uk/uk/news/69927/share-classes-accumulation-vs-income.aspx

might be worth a look.

Re divs on these funds - HL does not subscribe to Trustnet so div details not available.

However, the frequency of dividend payments can be checked on HL site - monthly for the three INC funds.

Are you holding the same funds in the Fund and Share as in the ISA?

Thanks, that site kept blocking me with banner ads. I realised the ISA with equal amounts from UK Equity Income / HL Multi-Manager Income & Growth Trust (Income) and Mixed Investment 20-60% Shares / HL Multi-Manager Balanced Managed Trust (Accumulation), keeping the same trusts.

It looks like I need to swap the second trust from Accumulation to Income ~ but I'd better wait for all the paperwork to come through now from HL before I move again?