Sipp Advice

MPN

Frufru23 wrote: »

Little update... Instructed for the L&G US tracker to be sold yesterday, received funds today and have already instructed to invest the whole lot in to the LS80. LS100 sale was instructed a few days ago and again funds received today, so have reinvested in to LS100.

It will ultimately leave me with a split of 75% LS80 and 25% Fidelity World tracker in my Sipp, ISA and JISA's. I do plan on also moving the Fidelity tracker funds in to the LS80 too, but will most likely instruct next week once everything has gone through with these transactions.

It'll be strange to step back and leave it "to do its thing" , but I feel like a weight has been lifted from my shoulders.

Thank you for all of the feedback, as painful as it was to receive some of it, at least it made me step back and really think about what i was trying to achieve. Thank you.

I'm in the same position as you (see my St James Place thread in Savings & Investments) and I'm coming around to the same conclusion. I just don't know if I should put the whole of my pension pot (£126K) into the VLS80 or balance it with some active funds as well as per my ISA investments?

Food for thought for me I suppose! Glad you got sorted though.

ex-pat_scot

MPN wrote: »

I'm in the same position as you (see my St James Place thread in Savings & Investments) and I'm coming around to the same conclusion. I just don't know if I should put the whole of my pension pot (£126K) into the VLS80 or balance it with some active funds as well as per my ISA investments?

Food for thought for me I suppose! Glad you got sorted though.

As I commented earlier in the thread: the LS funds ARE the investment strategy, not PART OF the strategy.


I've nothing against active funds or active trading; but I've come to the conclusion that it's a short cut to suboptimal outcome through a combination of trading costs, fees etc.

Frufru23

MPN wrote: »

I'm in the same position as you (see my St James Place thread in Savings & Investments) and I'm coming around to the same conclusion. I just don't know if I should put the whole of my pension pot (£126K) into the VLS80 or balance it with some active funds as well as per my ISA investments?

Food for thought for me I suppose! Glad you got sorted though.

I understand how you're feeling.... For me, I guess I was attracted to buying/keeping some of the other funds as over the last 4 years they'd generated far better returns that the VS80. I'm happy with the decision to go with having everything in the VS80, it makes sense "logically", so I guess I'll just have to sit back for a while (20 years) and see how it goes!

Will go and have a look for your thread...