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Investment choices for 'spare' SIPP money
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I think if you have a decent cash buffer from other savings and what is left from the 25% TFLS after the refurbishments I would stick the £18k in the Vanguard LS40 with the rest.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Ah, sorry if I misled. The £18K is just part of the original DC transfer so is already in the SIPP, it's not being added later. It's just that the £18K is currently sat there as cash because I wasn't sure whether to invest the entire £98K into VLS40 or do something different with part of it.enthusiasticsaver wrote: »I think if you have a decent cash buffer from other savings and what is left from the 25% TFLS after the refurbishments I would stick the £18k in the Vanguard LS40 with the rest.Someone more expert can advise on this but if the £18k has come out of a DC pension as part of the TFLS are you allowed to put this into a SIPP? I thought this was considered recycling.0 -
retireetobe wrote: »Ah, sorry if I misled. The £18K is just part of the original DC transfer so is already in the SIPP, it's not being added later. It's just that the £18K is currently sat there as cash because I wasn't sure whether to invest the entire £98K into VLS40 or do something different with part of it.
What's your overall asset allocation. Cash in a SIPP or on a bank account is still cash.“So we beat on, boats against the current, borne back ceaselessly into the past.”0 -
Exactly. The company comes up with a number for the dividend, and then the markets adjust the stock price up or down if it rates the company's dividend too low or too high relative to the company's actual (and perceived) performance.Thrugelmir wrote: »Profit does not equate to cash generated. Cash flow statements are far more important than P&L accounts. Profits can be massaged. The market decides if capital has been wisely allocated.
A company might carefully calculate the dividend it wants to pay. Or it might guess. Or it might follow some long-term trend set decades ago. Whichever, it seems a bit arbitrary to use the declared dividend as a yardstick for how much to spend from a portfolio in retirement.
Spending only portfolio natural yield guarantees that your heirs get more of your cash than you do! If that's your aim then fine. But I don't think it's everyone's aim. It's not mine.0
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