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TZ-UK Fundraiser

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Type: Posts; User: Halitosis

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    The net result is the same Ryan, and actually...

    The net result is the same Ryan, and actually appears easier too. Maybe speak to your employer’s payroll team first to clarify the process. Aviva’s leaflet may be out of date.
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    Sekonda?

    Sekonda?
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    Ha - I have as good an idea as the industry...

    Ha - I have as good an idea as the industry experts - i.e. none.

    My (often proved poor) instinct suggests the US can't continue rising at the rate it has/is, so a well diversified global...
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    I have done a few oil and filter changes myself,...

    I have done a few oil and filter changes myself, but over the last decade have relied on a great local father and son garage who I totally trust. They mark a date on every filter and part they fit,...
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    Yes clearly the fund provider has changed its own...

    Yes clearly the fund provider has changed its own benchmark a couple of times over the years so its difficult to directly compare. The new benchmark appears to be a pro-rated average of three global...
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    Certainly no expert, and all that matters is that...

    Certainly no expert, and all that matters is that you're happy with it matching your risk appetite and situation. It appears to be 60% in bonds and gilts, which are usually less risky/volatile, so if...
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    I see the sector allocation blurb talks of...

    I see the sector allocation blurb talks of underlying funds, so M1011's investment is in a "fund of funds" - perhaps that precludes accurate tracking of any one particular index - it uses "Global...
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    View Post

    That is a large gap in performance though I’d be surprised if it is actively managed at that fee rate. Does the fund fact sheet state the aim of the fund M1011? Perhaps it’s only to “loosely” track...
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    No I don’t (because my employer’s pension doesn’t include one in their selection) so I invest a percentage in an emerging markets fund.
    I agree with your posts and merely suggested a global fund in...
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    SIPP's and tracker funds

    I referenced global trackers and actually don’t hold any MSCI tracker.

    Edit - I actually think your graphic shows that the MSCI ACWI does include India?
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    All salient point, and worth adding that what is...

    All salient point, and worth adding that what is held within a tracker automatically changes over time to reflect the moving markets. As a market or individual stock increases in relative size then...
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    The minute hand is a bit too Stan Laurel against...

    The minute hand is a bit too Stan Laurel against the Oliver Hardy hour hand for me.
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    SJP are an FA and not an IFA - an important...

    SJP are an FA and not an IFA - an important distinction omitting the “independent”.
    Also a rising tide lifts all boats so even poorly managed funds with extortionate fees will have done well in...
  14. Thread: BTL question

    by Halitosis
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    Wouldn't it be best to just leave the money in...

    Wouldn't it be best to just leave the money in your SIPP, don't take the up front tax free lump sum, and instead enjoy 25% tax free on every withdrawal through retirement?

    Edit - sorry I see such...
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    Midges - angry Scottish variant that get even...

    Midges - angry Scottish variant that get even angrier when called mossies :wink:

    Only go out in summer if wind speed is above 5mph as such keeps them grounded.
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    Stirling, Edinburgh, and St Andrews - all...

    Stirling, Edinburgh, and St Andrews - all fabulous university cities and retirement destinations.
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    Interesting thread. Our hope is to retire and...

    Interesting thread. Our hope is to retire and relocate in 3 years, so frequently discuss potential destinations.

    Although off the map for the OP, we will almost certainly retire in Scotland, which...
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    2 blue light emergencies and maybe 8 A&E visits...

    2 blue light emergencies and maybe 8 A&E visits for me, my wife and kids over the years. Absolutely phenomenal treatment and not a bad word to say.
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    That is so cool

    That is so cool
  20. Thread: Firestick?

    by Halitosis
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    Not to mention the corporation tax that...

    Not to mention the corporation tax that re-circulates.
  21. Thread: Firestick?

    by Halitosis
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    Your posts certainly appear to support it - you...

    Your posts certainly appear to support it - you seem to be stating "everybody does it, nobody gets caught, so why not?" Would you also support shoplifting if the chances of getting caught/prosecuted...
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    Is that still the case? I understand that company...

    Is that still the case? I understand that company directors can now use a company's registered address or nominee address instead of their own on the Companies House site so as to maintain a degree...
  23. Thread: Firestick?

    by Halitosis
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    My son is at uni and even he has no idea how to...

    My son is at uni and even he has no idea how to get one of these hooky firesticks - which I'm pleased about.

    Its sad that many folk are so comfortable with theft
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    2 episodes in, thanks to this thread making me...

    2 episodes in, thanks to this thread making me aware of its existence. Typical Guy Ritchie and very much enjoying it
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    1.93% - very much lagging inflation. Just like...

    1.93% - very much lagging inflation. Just like last year my employer laid a few hundred folk off the week before pay review meetings, sending the signal that we should count ourselves lucky to still...
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