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Thanks for that.
Would it make sense to transfer my Natwest Isa to Vanguard sand set up a separate pension?0 -
If you are happy with Vanguard and want only Vanguard funds then you could consider a transfer,
With regard to a pension, you have a choice of providers - the stakeholder would be simple to begin with.
Something to read
https://www.amazon.co.uk/DIY-Pensions-Simple-Retirement-Planning/dp/1520782683
Have you obtained a state pension forecast?
https://www.gov.uk/check-state-pension0 -
Thanks for that. I do have a state forecast. That's one hating I'm on top of. Do you have any recommendations for pension providers?0
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once you have done a bit of reading about the fundamentals then a quick search on stakeholder pension providers is probably the best plan.
If you become more knowledgeable in the future you could always transfer at that point but, for now, something is better than nothing.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.0 -
There only seems a few Stakeholder providers but there are 40 funds to choose from. Is there any benefit to choosing Stakeholder over a SIP?
Hargreaves Landsdown and Fidelity only offer SIP's from what I can see.0 -
If you don't have a great deal of experience, the simple option would be a start - you could then do your research?
You also have the option of a personal pension. Example
https://www.cavendishonline.co.uk/personal-pensions
https://moneytothemasses.com/saving-for-your-future/pensions/the-best-cheapest-sipps-low-cost-diy-pensions
https://monevator.com/find-the-best-online-broker/
https://monevator.com/index-investing-guide/0 -
Thanks a lot. The more I read the more options and subsequent confusion.
The Stakeholder option seems a good way to start and if I put some regular time aside it seems I can transfer out once I know what I'm doing a little more.
A quick look at the Avivia Stakholder (looks to be chaper when bought through Cavndish) offers 40 funds! Seems over complicated for the simple option. Where would you start in narrowing these down?0 -
Have you read the stakeholder fund guide available here?
http://www.aviva-for-advisers.co.uk/adviser/site/public/products/individual-pensions/stakeholder-pension0 -
Yeah its completely mind boggling. The risk section doesn't have a key as which is high or low and in layman's terms the terminology is another language.0
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Is there a specific fund on Avivia that would work as a set it and leave it? Or even type of fund.
I found the risk ratin and made some progress with terminology! Baby steps!0
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