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Savings and Investments thread
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True...but it’s the age old issue of when! Will they continue to go up...? When will they stop... I generally buy and hang on for capital growth...Rob7Lee said:
Well done you! But don't forget at the moment it's a paper profit until you crystallise it!cafc-west said:
Cannot remember who recommended NOVACYT on here but many thanks. My £630 investment (March) is now worth £4350!! Not rich but a fantastic return. Of course I wish I'd bought more but not complaining...hoof_it_up_to_benty said:
Now up to 847 - somebody must have made a fortune.hoof_it_up_to_benty said:The performance of Novacyt shares have been stunning this year. From 14 at the start of the year to 652 today - not sure how much further it can go.0 -
I'm the opposite, normally set an amount of profit, if it reaches, I sell.cafc-west said:
True...but it’s the age old issue of when! Will they continue to go up...? When will they stop... I generally buy and hang on for capital growth...Rob7Lee said:
Well done you! But don't forget at the moment it's a paper profit until you crystallise it!cafc-west said:
Cannot remember who recommended NOVACYT on here but many thanks. My £630 investment (March) is now worth £4350!! Not rich but a fantastic return. Of course I wish I'd bought more but not complaining...hoof_it_up_to_benty said:
Now up to 847 - somebody must have made a fortune.hoof_it_up_to_benty said:The performance of Novacyt shares have been stunning this year. From 14 at the start of the year to 652 today - not sure how much further it can go.1 -
Tip someone once gave me was set a sell price of 10 % less than the current share price. Obviously as the share price goes up, you move the sell price up accordingly. That way you never lose all your gains.cafc-west said:
True...but it’s the age old issue of when! Will they continue to go up...? When will they stop... I generally buy and hang on for capital growth...Rob7Lee said:
Well done you! But don't forget at the moment it's a paper profit until you crystallise it!cafc-west said:
Cannot remember who recommended NOVACYT on here but many thanks. My £630 investment (March) is now worth £4350!! Not rich but a fantastic return. Of course I wish I'd bought more but not complaining...hoof_it_up_to_benty said:
Now up to 847 - somebody must have made a fortune.hoof_it_up_to_benty said:The performance of Novacyt shares have been stunning this year. From 14 at the start of the year to 652 today - not sure how much further it can go.
Wish I had followed that advice on numerous occasions!4 -
Never heard that one, but I like it a lot.Fortune 82nd Minute said:
Tip someone once gave me was set a sell price of 10 % less than the current share price. Obviously as the share price goes up, you move the sell price up accordingly. That way you never lose all your gains.cafc-west said:
True...but it’s the age old issue of when! Will they continue to go up...? When will they stop... I generally buy and hang on for capital growth...Rob7Lee said:
Well done you! But don't forget at the moment it's a paper profit until you crystallise it!cafc-west said:
Cannot remember who recommended NOVACYT on here but many thanks. My £630 investment (March) is now worth £4350!! Not rich but a fantastic return. Of course I wish I'd bought more but not complaining...hoof_it_up_to_benty said:
Now up to 847 - somebody must have made a fortune.hoof_it_up_to_benty said:The performance of Novacyt shares have been stunning this year. From 14 at the start of the year to 652 today - not sure how much further it can go.
Wish I had followed that advice on numerous occasions!0 -
Its called a trailing stop-loss.
I'd be a lot better off if I'd stuck firmly to that principle over the years. Also 'leave a bit of profit for the next bloke'1 -
I should have said that to the ex-wife(s)IdleHans said:Its called a trailing stop-loss.
I'd be a lot better off if I'd stuck firmly to that principle over the years. Also 'leave a bit of profit for the next bloke'1 -
That’s an excellent return well done you @ cafe-west, also good to see FTSE now over 6000, lockdowns and US election might have a downward effect but there are still bargains out there, another pharma Avacta are heavily rumoured to be involved in Operation Moonshot as a saliva based test 👍👍cafc-west said:
Cannot remember who recommended NOVACYT on here but many thanks. My £630 investment (March) is now worth £4350!! Not rich but a fantastic return. Of course I wish I'd bought more but not complaining...hoof_it_up_to_benty said:
Now up to 847 - somebody must have made a fortune.hoof_it_up_to_benty said:The performance of Novacyt shares have been stunning this year. From 14 at the start of the year to 652 today - not sure how much further it can go.0 -
Th only problem with trailing stop loss is the need to continually review.Fortune 82nd Minute said:
Tip someone once gave me was set a sell price of 10 % less than the current share price. Obviously as the share price goes up, you move the sell price up accordingly. That way you never lose all your gains.cafc-west said:
True...but it’s the age old issue of when! Will they continue to go up...? When will they stop... I generally buy and hang on for capital growth...Rob7Lee said:
Well done you! But don't forget at the moment it's a paper profit until you crystallise it!cafc-west said:
Cannot remember who recommended NOVACYT on here but many thanks. My £630 investment (March) is now worth £4350!! Not rich but a fantastic return. Of course I wish I'd bought more but not complaining...hoof_it_up_to_benty said:
Now up to 847 - somebody must have made a fortune.hoof_it_up_to_benty said:The performance of Novacyt shares have been stunning this year. From 14 at the start of the year to 652 today - not sure how much further it can go.
Wish I had followed that advice on numerous occasions!0 -
"Cavendish Online Investments Ltd has been acquired by Fidelity International" is this bad news?
I have started investing some pension money in Fidelity Funds via Cavendish for their low fees.0 -
I doubt its bad news. Just Fidelity wanting to have another "arm" to their online services. Strange that you have Fidelity funds out of all the 1000 odd funds that you can have. If you want to make sure you are 100% safe then switch funds to another fund manager.Salad said:"Cavendish Online Investments Ltd has been acquired by Fidelity International" is this bad news?
I have started investing some pension money in Fidelity Funds via Cavendish for their low fees.0 - Sponsored links:
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Is anyone else's pension flying at the moment? Since I transferred providers on 17th July i'm up 11.74%.0
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I still think there is more growth in the Novacyt share price - won't hit its peak for some time. Will be plenty more demand for its products.Daarrzzetbum said:
That’s an excellent return well done you @ cafe-west, also good to see FTSE now over 6000, lockdowns and US election might have a downward effect but there are still bargains out there, another pharma Avacta are heavily rumoured to be involved in Operation Moonshot as a saliva based test 👍👍cafc-west said:
Cannot remember who recommended NOVACYT on here but many thanks. My £630 investment (March) is now worth £4350!! Not rich but a fantastic return. Of course I wish I'd bought more but not complaining...hoof_it_up_to_benty said:
Now up to 847 - somebody must have made a fortune.hoof_it_up_to_benty said:The performance of Novacyt shares have been stunning this year. From 14 at the start of the year to 652 today - not sure how much further it can go.0 -
apologies, it is a Fidelity account with investments in about half a dizen different funds, just one of which I think is a Fidelity fundgolfaddick said:
I doubt its bad news. Just Fidelity wanting to have another "arm" to their online services. Strange that you have Fidelity funds out of all the 1000 odd funds that you can have. If you want to make sure you are 100% safe then switch funds to another fund manager.Salad said:"Cavendish Online Investments Ltd has been acquired by Fidelity International" is this bad news?
I have started investing some pension money in Fidelity Funds via Cavendish for their low fees.0 -
You've confused me even more. Were you with Cavendish, that has just been bought by Fidelity, or with Fidelity originally (which if so why the post).Salad said:
apologies, it is a Fidelity account with investments in about half a dizen different funds, just one of which I think is a Fidelity fundgolfaddick said:
I doubt its bad news. Just Fidelity wanting to have another "arm" to their online services. Strange that you have Fidelity funds out of all the 1000 odd funds that you can have. If you want to make sure you are 100% safe then switch funds to another fund manager.Salad said:"Cavendish Online Investments Ltd has been acquired by Fidelity International" is this bad news?
I have started investing some pension money in Fidelity Funds via Cavendish for their low fees.
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My SIPP had once again hit it's all time high. Up 30% since the low of late March.Rob7Lee said:Is anyone else's pension flying at the moment? Since I transferred providers on 17th July i'm up 11.74%.1 -
golfaddick said:
Firstly, don't sell out of America entirely. Sure, pear back your exposure if you want to, maybe by taking the gains you've made over the past 12-18 months or even taking another 20% out too - but have some exposure to the US.mendonca said:Any interesting share/funds to keep an eye on?
I'm going to do some research and workout what to do with my successful US based funds, what with the election pantomime coming up.
As for where then to put that money - depends on where you might be underweight in your portfolio or where you think it's worth a punt. The UK is still more than 20% off where is was at the start of the year. Brexit (deal / no deal) is still weighing heavy on everyone's minds but its got to be resolved one way or t'other soon and short term either scenario will make money somewhere (currency & overseas earnings on large FTSE stocks). I invest in an Absolute Return fund as a hedge for this (Argonaut) but there are other funds & strategies.
Bonds are currently out of favour - all my fixed interest funds have fallen over the past couple of weeks but you have to have something on this space for balance & diversification. Keep being told that High Yield is the place to be although I don't see it myself.
That then leaves Asia (China & Japan mostly) and Europe as the major other economies / areas to invest. Again, depends on how much exposure you have to these regions- usually I go for no more than 15%-18% combined in the big 3 just mentioned - and that probably includes a bit of emerging markets too.
Interesting stuff about America. I think we've established it was you who tipped the Baillee Gifford America fund on here. (If so, I definitely owe you a beer or two!) I dipped my toes in the water back in November last year at 8.49. I went past my knees in January this year at 9.47 and then up to my waist in June at 12.14. Todays close is 17.91. Unbelievable.
You posted that you had sold some of your clients' holdings a few months ago as they were getting too big a percentage of their funds. Understandable but I'm glad I didn't follow suit at the time! But the question is how long can the rise in this fund go on? Is it time in your view - and anyone else who reads this - to take profit?
Talking of Baillee Gifford Funds, their performance over a whole range of funds is unbelievable. I've a long term holding in the Global Discovery Fund. That's up nearly 50% over 6 months. My investments in the Positive Change Fund & Pacific Funds have also soared over recent months. What on earth is this company doing that makes so many of its funds successful?
Finally, I have no UK holdings at all at the moment apart from a small holding in the Lindsell Train UK Equity Fund (and I've sold much of that off in recent months). The UK market may well still be 20% off its peak but I really can't see anything that would make me want to go back into it in a big way at the moment.0 -
You ought to be a financial advisor, beat me by about 3 pointsgolfaddick said:
My SIPP had once again hit it's all time high. Up 30% since the low of late March.Rob7Lee said:Is anyone else's pension flying at the moment? Since I transferred providers on 17th July i'm up 11.74%.
Fortune 82nd Minute said:golfaddick said:
Firstly, don't sell out of America entirely. Sure, pear back your exposure if you want to, maybe by taking the gains you've made over the past 12-18 months or even taking another 20% out too - but have some exposure to the US.mendonca said:Any interesting share/funds to keep an eye on?
I'm going to do some research and workout what to do with my successful US based funds, what with the election pantomime coming up.
As for where then to put that money - depends on where you might be underweight in your portfolio or where you think it's worth a punt. The UK is still more than 20% off where is was at the start of the year. Brexit (deal / no deal) is still weighing heavy on everyone's minds but its got to be resolved one way or t'other soon and short term either scenario will make money somewhere (currency & overseas earnings on large FTSE stocks). I invest in an Absolute Return fund as a hedge for this (Argonaut) but there are other funds & strategies.
Bonds are currently out of favour - all my fixed interest funds have fallen over the past couple of weeks but you have to have something on this space for balance & diversification. Keep being told that High Yield is the place to be although I don't see it myself.
That then leaves Asia (China & Japan mostly) and Europe as the major other economies / areas to invest. Again, depends on how much exposure you have to these regions- usually I go for no more than 15%-18% combined in the big 3 just mentioned - and that probably includes a bit of emerging markets too.
Interesting stuff about America. I think we've established it was you who tipped the Baillee Gifford America fund on here. (If so, I definitely owe you a beer or two!) I dipped my toes in the water back in November last year at 8.49. I went past my knees in January this year at 9.47 and then up to my waist in June at 12.14. Todays close is 17.91. Unbelievable.
You posted that you had sold some of your clients' holdings a few months ago as they were getting too big a percentage of their funds. Understandable but I'm glad I didn't follow suit at the time! But the question is how long can the rise in this fund go on? Is it time in your view - and anyone else who reads this - to take profit?
Talking of Baillee Gifford Funds, their performance over a whole range of funds is unbelievable. I've a long term holding in the Global Discovery Fund. That's up nearly 50% over 6 months. My investments in the Positive Change Fund & Pacific Funds have also soared over recent months. What on earth is this company doing that makes so many of its funds successful?
Finally, I have no UK holdings at all at the moment apart from a small holding in the Lindsell Train UK Equity Fund (and I've sold much of that off in recent months). The UK market may well still be 20% off its peak but I really can't see anything that would make me want to go back into it in a big way at the moment.
I have from BG&Co
American
Strategic Bond
European
Positive Change
They have certainly performed well (Bond the worst at about 5%)
Strangely I sold the last of my LT UK Equity today!
I tend to trade relatively frequently taking profits, it's done me OK so far and I think we have many ups and downs still to come.0 -
Sorry for the delay on this response (I did not get a notification you had replied). Yes and Yes to your questions. I fact I have 2 x Scottish Widows pensions (active and previous) and I can view and control the funds they are both invested in. I can also see my pension balance via the Halifax app (same company).HardyAddick said:
BallardMan I have a Scottish Widows pension. Are you able to view all you pension details online and switch funds online? SW tell me with mine they can’t do it (it’s not a stakeholder personal pension).BalladMan said:
I am not a financial advisor or work in the industry, but I can tell you my situation.Red_Pete_in_Dubai said:It's time for me to start thinking about consolidating all the workplace pensions that I have accumulated over my working life; I've probably got 6 or 7 different pension pots on the go at the moment, all with different fund managers. Does anybody have any recommendations as to the best way to do this? Is Pension Bee a decent option? Are there better options out there?
It was very simple to consolidate all but 1 of my pensions into 1 pension provider. Two of the pensions (including the largest pot) were with Scottish Widows who also seemed to offer the most decent online service and flexibility of some control of funds for a novice like me.
They had a form on the Scottish Widows pension site that I completed with all my other pension account details (name, accountno etc..) and Scottish Widows did all the work. Was very very simple and complete in a couple of weeks. As it was pension to pension there were no fees, no taxes to pay, very seamless and did not seem to cost me anything materially for doing so.
Some gotchas I was warned about:
1. non Stakeholder pensions (final salary, some specific SIPPS setups) are complicated and you should consult a financial advisor
2. make sure the provider is one you want to be with for an extended period of time. Sometimes it is better to leave your eggs in more than one basket, but each to their own and only you can make that decision.
It's great I can track the majority of my pension portfolio in one place and the economies of scale mean I can potential earn much more in the 20+ years I have left to work1 -
My favourite 2 UK equity funds at the moment are MI Chelverton UK Growth & SDL Free Spirit.Fortune 82nd Minute said:golfaddick said:
Firstly, don't sell out of America entirely. Sure, pear back your exposure if you want to, maybe by taking the gains you've made over the past 12-18 months or even taking another 20% out too - but have some exposure to the US.mendonca said:Any interesting share/funds to keep an eye on?
I'm going to do some research and workout what to do with my successful US based funds, what with the election pantomime coming up.
As for where then to put that money - depends on where you might be underweight in your portfolio or where you think it's worth a punt. The UK is still more than 20% off where is was at the start of the year. Brexit (deal / no deal) is still weighing heavy on everyone's minds but its got to be resolved one way or t'other soon and short term either scenario will make money somewhere (currency & overseas earnings on large FTSE stocks). I invest in an Absolute Return fund as a hedge for this (Argonaut) but there are other funds & strategies.
Bonds are currently out of favour - all my fixed interest funds have fallen over the past couple of weeks but you have to have something on this space for balance & diversification. Keep being told that High Yield is the place to be although I don't see it myself.
That then leaves Asia (China & Japan mostly) and Europe as the major other economies / areas to invest. Again, depends on how much exposure you have to these regions- usually I go for no more than 15%-18% combined in the big 3 just mentioned - and that probably includes a bit of emerging markets too.
Interesting stuff about America. I think we've established it was you who tipped the Baillee Gifford America fund on here. (If so, I definitely owe you a beer or two!) I dipped my toes in the water back in November last year at 8.49. I went past my knees in January this year at 9.47 and then up to my waist in June at 12.14. Todays close is 17.91. Unbelievable.
You posted that you had sold some of your clients' holdings a few months ago as they were getting too big a percentage of their funds. Understandable but I'm glad I didn't follow suit at the time! But the question is how long can the rise in this fund go on? Is it time in your view - and anyone else who reads this - to take profit?
Talking of Baillee Gifford Funds, their performance over a whole range of funds is unbelievable. I've a long term holding in the Global Discovery Fund. That's up nearly 50% over 6 months. My investments in the Positive Change Fund & Pacific Funds have also soared over recent months. What on earth is this company doing that makes so many of its funds successful?
Finally, I have no UK holdings at all at the moment apart from a small holding in the Lindsell Train UK Equity Fund (and I've sold much of that off in recent months). The UK market may well still be 20% off its peak but I really can't see anything that would make me want to go back into it in a big way at the moment.
Baillie Gifford run a number of top performing funds (like you I have no idea how they do it). Others not already mentioned are their UK Equity Alpha fund, their Managed Fund (in the mixed asset sector) & their Pacific fund (Asia ex Japan). I have to be selective in my clients portfolios otherwise it might look like I work for them or tied to them in some way...lol.
Listening to Jupiter Asset Management today about their Jupiter Merlin range (again mixed asset funds) and they were saying that fixed interest in general was not a great place to be & for the "safety" element in their portfolios they were holding Gold instead (as much as 10% in their Conservation portfolios). Some was in ETF's and some in Gold / Gold mining funds.
Also Japan has done well since the recovery - up 20% I believe over the past 6 months. Good job I invested 5% of my SIPP into the First State Japan focus fund.3 -
Anyone interested in the Baillie Gifford funds might want to take a look at this.
https://www.bailliegifford.com/en/uk/individual-investors/literature-library/funds/oeics/bulletins/monthly-oeic-fund-focus/
Flick through the brochure. It lists all their funds and performance.
Over the last 6 months (to August):-
American Fund Up 75.9%
Long Term Global Growth Fund Up 66.6%
Global Stewardship Fund Up 52.5%
Positive Change Fund Up 51.7%
Global Discovery Fund Up 46.9%
Pacific Fund Up 39.3%
As Golfie no doubt advises his clients past performance is no guide to future performance but those are some big increases!
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I moved some into MI Chelverton UK Equity Growth B Acc a few months back, just checked and up 11.7%.golfaddick said:
My favourite 2 UK equity funds at the moment are MI Chelverton UK Growth & SDL Free Spirit.Fortune 82nd Minute said:golfaddick said:
Firstly, don't sell out of America entirely. Sure, pear back your exposure if you want to, maybe by taking the gains you've made over the past 12-18 months or even taking another 20% out too - but have some exposure to the US.mendonca said:Any interesting share/funds to keep an eye on?
I'm going to do some research and workout what to do with my successful US based funds, what with the election pantomime coming up.
As for where then to put that money - depends on where you might be underweight in your portfolio or where you think it's worth a punt. The UK is still more than 20% off where is was at the start of the year. Brexit (deal / no deal) is still weighing heavy on everyone's minds but its got to be resolved one way or t'other soon and short term either scenario will make money somewhere (currency & overseas earnings on large FTSE stocks). I invest in an Absolute Return fund as a hedge for this (Argonaut) but there are other funds & strategies.
Bonds are currently out of favour - all my fixed interest funds have fallen over the past couple of weeks but you have to have something on this space for balance & diversification. Keep being told that High Yield is the place to be although I don't see it myself.
That then leaves Asia (China & Japan mostly) and Europe as the major other economies / areas to invest. Again, depends on how much exposure you have to these regions- usually I go for no more than 15%-18% combined in the big 3 just mentioned - and that probably includes a bit of emerging markets too.
Interesting stuff about America. I think we've established it was you who tipped the Baillee Gifford America fund on here. (If so, I definitely owe you a beer or two!) I dipped my toes in the water back in November last year at 8.49. I went past my knees in January this year at 9.47 and then up to my waist in June at 12.14. Todays close is 17.91. Unbelievable.
You posted that you had sold some of your clients' holdings a few months ago as they were getting too big a percentage of their funds. Understandable but I'm glad I didn't follow suit at the time! But the question is how long can the rise in this fund go on? Is it time in your view - and anyone else who reads this - to take profit?
Talking of Baillee Gifford Funds, their performance over a whole range of funds is unbelievable. I've a long term holding in the Global Discovery Fund. That's up nearly 50% over 6 months. My investments in the Positive Change Fund & Pacific Funds have also soared over recent months. What on earth is this company doing that makes so many of its funds successful?
Finally, I have no UK holdings at all at the moment apart from a small holding in the Lindsell Train UK Equity Fund (and I've sold much of that off in recent months). The UK market may well still be 20% off its peak but I really can't see anything that would make me want to go back into it in a big way at the moment.
Probably read about it on here as can't remember why I chose that one!0 -
I am also well into record territory despite actively reducing risk in recent months, due to my age. But I can't tell you how much I am up since mid July, or late March, since Hargreaves Lansdowne platform does not allow me to look at total SIPP performance over time :-( Which is lamentable, really.golfaddick said:
My SIPP had once again hit it's all time high. Up 30% since the low of late March.Rob7Lee said:Is anyone else's pension flying at the moment? Since I transferred providers on 17th July i'm up 11.74%.0 -
Nor does Investec but I set up my own spread sheet to track it, I’m sure you are up to doing the same Prague.PragueAddick said:
I am also well into record territory despite actively reducing risk in recent months, due to my age. But I can't tell you how much I am up since mid July, or late March, since Hargreaves Lansdowne platform does not allow me to look at total SIPP performance over time :-( Which is lamentable, really.golfaddick said:
My SIPP had once again hit it's all time high. Up 30% since the low of late March.Rob7Lee said:Is anyone else's pension flying at the moment? Since I transferred providers on 17th July i'm up 11.74%.0 -
My workplace pension is up 42% since the low. Once again thanks to a BG fund, and input from you guys too.
You may remember I sought some advice about moving the fund my pension is invested in, (which able to do with Scottish Widows) and did so by moving away from a very mediocre performing Standard Life Managed fund. Quite scary how many people at work would have stuck with the default and seen just a 10% rise in the same period!?0 -
I've often said to people it's as much around what you invest in as it is how much you pay in (obviously the more you pay in the better). Someone at your work paying in 25% more than you may actually be worse off overall.......mendonca said:My workplace pension is up 42% since the low. Once again thanks to a BG fund, and input from you guys too.
You may remember I sought some advice about moving the fund my pension is invested in, (which able to do with Scottish Widows) and did so by moving away from a very mediocre performing Standard Life Managed fund. Quite scary how many people at work would have stuck with the default and seen just a 10% rise in the same period!?1 -
I think that was my advice......think you owe me a pint !!mendonca said:My workplace pension is up 42% since the low. Once again thanks to a BG fund, and input from you guys too.
You may remember I sought some advice about moving the fund my pension is invested in, (which able to do with Scottish Widows) and did so by moving away from a very mediocre performing Standard Life Managed fund. Quite scary how many people at work would have stuck with the default and seen just a 10% rise in the same period!?
But I agree - one if my biggest bugbear is the hundreds if thousands, if not millions, of workers who are just sitting in the default fund(s). I had a client a few years back who was in cash !!
I say to same clients - fine if you don't want to take my advice about moving old employer schemes but at least check to see what funds you are invested in & check what other funds they offer.1 -
I did it for a while. I also used to monitor my SIPP on Trustnet, but that was a pain to enter whenever I traded. But you know, I pay those f*****s at H-L, and it really ought to be the most basic function offered.LargeAddick said:
Nor does Investec but I set up my own spread sheet to track it, I’m sure you are up to doing the same Prague.PragueAddick said:
I am also well into record territory despite actively reducing risk in recent months, due to my age. But I can't tell you how much I am up since mid July, or late March, since Hargreaves Lansdowne platform does not allow me to look at total SIPP performance over time :-( Which is lamentable, really.golfaddick said:
My SIPP had once again hit it's all time high. Up 30% since the low of late March.Rob7Lee said:Is anyone else's pension flying at the moment? Since I transferred providers on 17th July i'm up 11.74%.1 -
Speaking of SIPPs, I've been meaning to ask for a while how drawdown works. I have, of course, read H-L's blurb on it, and guess what, I'm not clear as a result about a fairly fundamental question
I understand that I can take out max 25%. I don't understand whether I can take it all out in one chunk or not. If not, how much can I take out at any one time? Presumably you have to make a decision on a certain day that you are opting for drawdown, as otherwise how can it be defined, the size of the withdrawal amount that constitutes 25%?
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Vanguard - a good platform?
Spoke to an IFA this week who seemed amazingly honest and decent and basically said to me to use Vanguard for pension/ISA etc and not worry about an IFA for another 10 years...
So, any thoughts on here. Apparently has low fees.0
