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Savings and Investments thread

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  • £50 for me this month from PBs
  • £150 for Victor and £125 for Margaret from total £75k holding
  • Sod all
  • Sod all too
  • £100 this month
  • £250 for me, £200 for Mrs M - two max holdings.
  • £25 for me nothing for my wife. Max holdings. 
  • Solidgone said:
    Has anyone on here used Zopa for their cash ISA and are they okay? My bank wouldn’t let me transfer money over to them.
    Yep.  Have a cash ISA with them.  You open an account and have 1 primary account and then you can open pots (including a Cash ISA pot) and you can move money into the pots.  Only opened a few weeks ago but all very easy and app is very good.  Would recommend.
  • PB Max holding. £250 this month.
  • Who is this Max Holdings fella? A new signing to replace Dobson ? 😆😉
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  • CafcWest said:
    PB Max holding. £250 this month.
    Out of interest how much is maximum holding 
  • Out of interest how much is maximum holding 

    £50k
  • bobmunro said:

    £50k
    Cheers. 
  • £225 for me and £300 for the missus, both max holdings.
    Better than the last couple of months.
  • £50 for me Max 
  • Only £50 this month for me on PBs but Mrs Chaz got £350 and jnr £175 from his £10k holding.
  • Zilch for me (again) on £12k, £100 for Mrs A on full holding. 
  • £225 for Mrs R7L Max holding
    £100 for me, £27k ish
    £100 for daughter, £26k
    £300 for Father in law, Max holding

    Over the last 40 months I've averaged (ignoring pennies) £54 a month, Mrs £105, daughter £187 (she had one big £5k win)
  • £75, max holding 
  • £150 this morning (3 x £50) on max holding. 
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  • £200 max
  • £100 for me and £150 for 'er indoors.

    Neither of us anywhere near maximum holding.
  • Both on 46k holding, me £250, the other half £225.
  • edited May 2024
    £425 for me £100x3.£50x2. £25
  • This leaves me (and many others no doubt) in a real quandary, as there's no other fund like Global Equity Select. It is genuinely differentiated. I bought it over 3 years ago and it's been superb, whether the market has been going up or down. Time to review and most likely trim or sell.

    https://www.google.com/amp/s/www.fnlondon.com/amp/articles/royal-london-equities-head-quits-to-set-up-new-firm-with-colleagues-21c611fb
  • £100 for me Max holding
  • edited May 2024
    Do you mean Interactive Brokers or Interactive Investors?
    My SIPP is still being managed through/by the transferring IFA/Standard Life as it couldn't initially be avoided, due to a transfer from my defined benefit pension.
    The overall charges in total are around 2% pa and the fund is 6.2% down since opening in November 2021, which is partly due to the charges.

    I have an interim review with my advisor on Monday (no bank holiday where she is in Scotland). My charges, are 1.5% (which has reduced from the initial 1.6% agreed) as they apparently now have a better deal with Abrdn. That’s split as follows:

    Abrdn Platform Fee 0.11%
    Investment Portfolio Cost 0.64%
    Ongoing Investment & Advice Fee 0.75%

    Fund is up, very marginally, at 0.75% since I opened it on July 1st 2021. I apparently missed the decent performance from the first half of that year and the SIPP has only really started to regain the losses (from memory I think it was 12% down at one point) since November last year. 
  • TelMc32 said:

    I have an interim review with my advisor on Monday (no bank holiday where she is in Scotland). My charges, are 1.5% (which has reduced from the initial 1.6% agreed) as they apparently now have a better deal with Abrdn. That’s split as follows:

    Abrdn Platform Fee 0.11%
    Investment Portfolio Cost 0.64%
    Ongoing Investment & Advice Fee 0.75%

    Fund is up, very marginally, at 0.75% since I opened it on July 1st 2021. I apparently missed the decent performance from the first half of that year and the SIPP has only really started to regain the losses (from memory I think it was 12% down at one point) since November last year. 
    Tel, please message me if there's anything useful to tell.
    I was always confident that I could do a better job than the "experts" after charges.
    Obviously it wasn't an option at first and then my personal heath issues last year meant I decided that it was best to leave for the time being.
    Now I'm ok, I'm thinking about transferring it out and managing it myself, especially if I can't get a reduction in charges.
    I'm paying 1.9% pa.
    I'm not sure how long the pension had to remain with the IFA after transfer?

  • TelMc32 said:

    I have an interim review with my advisor on Monday (no bank holiday where she is in Scotland). My charges, are 1.5% (which has reduced from the initial 1.6% agreed) as they apparently now have a better deal with Abrdn. That’s split as follows:

    Abrdn Platform Fee 0.11%
    Investment Portfolio Cost 0.64%
    Ongoing Investment & Advice Fee 0.75%

    Fund is up, very marginally, at 0.75% since I opened it on July 1st 2021. I apparently missed the decent performance from the first half of that year and the SIPP has only really started to regain the losses (from memory I think it was 12% down at one point) since November last year. 
    That seems like really really bad performance and expensive fee's. My SIPP is up nearly 27% in that period, whilst I manage it myself the platform fee is circa 0.08% and portfolio cost 0.14%.

    How on earth is yours up by less than 1%?

    An S&P 500 Tracker would be up 29%
    An FTSE100 Tracker 16%
    Even something like Vanguards Lifestyle 80% would be up 12%

    I can only assume you are heavily into bonds and gilts?
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