Investment Suggestions

Linton

Speedbird676 wrote: »

Thanks everybody for your suggestions.

Are all of these available in both pension and ISA wrappers? Would there be any particular advantage/disadvantage to holding the same fund in both a pension and ISA wrapper or would it be better to have the same fund for each?

These are all OEIC/UTs rather than pension funds though pension equivalents may be available. If you are using a SIPP, ISA or unsheltered account you would buy the OEIC/UT version. Pension funds are normally used by employer DC schemes or Personal Pensions held with a pension company. In practice it doesnt make much difference.

Albermarle

Although all the multi asset funds mentioned are similar , they are not identical.
Some have a strict equity/bond split eg 60;40 so they do exactly what it says on the tin. Others are managed to a risk level and the equity : bond split can vary .
In theory at least may make sense to have one of each , as the performance will not be exactly the same ( but broadly similar )

Speedbird676

I bit the bullet in June and executed the first part of my plan, consolidating my occupational pension and a one off contribution into a SIPP invested in VLS80. That is currently 15% down on the opening position.

I was planning to execute the second part and transfer my Cash ISA (£60k) into a S&S ISA at the beginning of the tax year, ie today. The plan is to invest that into HSBC Global Strategy Dynamic.

What are people's thoughts on whether I should plough the whole lot in now or drip feed the £60k over the next few weeks/months? I will also be drip feeding this year's £20k allowance in over the coming year.

dunstonh

What are people's thoughts on whether I should plough the whole lot in now or drip feed the £60k over the next few weeks/months? 

Historically, phasing results in lower returns in most periods.   In the minority of cases where it did work, it was usually because a drop in the markets took place in the short term after investing the lump sum.

Currently, the drop has already happened.  There may be more to come but you wont know in advance what the future holds.   So, statistically, you would say the odds favour single premium investing rather than phasing.     

you won't know if your potential phased future dates are going to be lower or higher.    You can make some guesses but what you do know is that investing today is a lot better than invested 6 weeks ago.  You don't know if investing in 6 weeks time will be better than today or 6 weeks ago.

Thrugelmir

After the initial panic. Markets appear to have settled. As the dearth of trading updates leaves investors very much in the dark. In today's news. Easy Jet has 107 planes on order from Airbus an worth in the region of £4.5 billion. If they were to cancel the order. Then the impact ripples far and wide. 

MoS2024

I was looking for reviews for Fixed Rate Savers - https://fixedratesaving.com/

They are currently offering 2.38% 12 months Fixed Term Account on Minimum investment of £10,000. FSCS protection of £85k

I have never heard of them before and I want to find out what other people think about their products. Are they well established company?  Is there any risk with their saving products?  Thank you.

kuratowski

https://www.fca.org.uk/news/warnings/fixed-rate-saving