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Pension and Isa planning

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Comments

  • Alexland
    Alexland Posts: 10,187 Forumite
    Eighth Anniversary 10,000 Posts Photogenic Name Dropper
    edited 11 February 2018 at 11:24PM
    To keep fees low I would suggest you consider Vanguard Investor for the ISA as the platform fee is only 0.15% (they don't do SIPPs yet) and Cavendish/HSBC for the SIPP.

    Fundsmith has done well but you might have missed the boat on that small set of shares.
  • MallyGirl
    MallyGirl Posts: 7,326 Senior Ambassador
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I think you need to be very careful to get your terms right. You can only contribute to one ISA in a year so if you want to buy 2 different funds in the same year then they need to be in the same ISA.
    I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
    & Credit Cards 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.
  • MallyGirl
    MallyGirl Posts: 7,326 Senior Ambassador
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yanling wrote: »
    Is it legal or Government allows me to invest Isa into two portfolios ( such as VLS and Fundsmith) up to Isa allowance?

    Up to the £20,000 limit in a year you can buy any combination of funds that the chosen platform offers.
    I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
    & Credit Cards 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.
  • Yanling
    Yanling Posts: 124 Forumite
    100 Posts Third Anniversary
    Alexland wrote: »
    To keep fees low I would suggest you consider Vanguard Investor for the ISA as the platform fee is only 0.15% (they don't do SIPPs yet) and Cavendish/HSBC for the SIPP.

    Fundsmith has done well but you might have missed the boat on that small set of shares.
    Good idea.
    Thanks all
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