Personal Pension to SIPP

Gsea

Thrugelmir said:
Never invest using hindsight. What's happened has past.  When did you first invest? There'll always be a better performing investment than the one you hold. 

Thank you,

I recognise that past performance is no guarantee of future performance, however, surely people move funds/rebalance with the aim of better returns. Are you suggesting the RLGP fund is a good place to be invested?

Gsea

Back to charges (sorry)

Taking II as an example, am I correct in thinking there is then the OCF to add to the plan/SIPP/Trade fees. So, if I opened an account and invested into 2 multi asset funds and never traded again that year the fees would be:

Plan fee £9.99 *12 £119.88 SIPP fee £10.00 *12 £120.00 Trade fee £7.99 *1 £7.99 OCF VLS £250,000.00 *0.22% £550.00 OCF HSBC £250,000.00 *0.19% £475.00 £1,272.87

Albermarle

Looks about right , although I think with II you get a certain number of trades free , subject to some conditions . So you can probably drop the £7.99.

Gsea

Albermarle said:

Looks about right , although I think with II you get a certain number of trades free , subject to some conditions . So you can probably drop the £7.99.

Thank you,
I believe its one trade/year with the basic plan. As I was planning to buy into 2 funds I included one fee.