Adding £2880 to SIPP after April 5th

AlanP_2

littlebw wrote: »

im still no clearer lol

Let's start with some basics.

How old are you / wife?

How do these SIPPs fit in to your overall position as regards pensions and savings?

Are you both working and contributing to employer schemes?

What are you planning to do with SIPPs in 10 years time?

These are relevant because a 30 year olds and a 60 year olds situations would be different so saying answering your question on funds is tricky at the moment.

littlebw

How old are you / wife? me 54 wife 49

How do these SIPPs fit in to your overall position as regards pensions and savings? me no pension , wife school pension, both on for full state pension

Are you both working and contributing to employer schemes? im disabled , not working . wife school pension(only 10 years)

have house paid for 250k (paid for) and 85k savings

What are you planning to do with SIPPs in 10 years time? just to help us get by with state pensions / wifes small pension

zagfles

dunstonh wrote: »

I gave a like for like as I said it was 3 to 4 times what you can get via a DIY or IFA. So, I considered both channels.

You on the other hand gave an example of cheap DIY vs more expensive IFA. I was just balancing out.

I gave a range for HL. You arleady acknowledged that. I use them so I know their offerings. You want a range for IFA options? You provide it. I'm not familiar with them. You've just given one cherry picked example and conveniently not included the advice charge, which will be far more significant than the fund charge you quoted. So pretty useless to the OP.

zagfles

littlebw wrote: »

im still no clearer lol

We can't advise you on which funds to choose. See post #5, HL have some tools to help you choose, but be aware of the charges. The MM funds are quite expensive, personally I would invest in the underlying funds and keep an eye on them.