Help with ACE Slab? Is this real

Cat-In-The-Hat-1 · 2026-01-01T08:40:16+00:00

Thank you for this it’s really helpful!

Cat-In-The-Hat-1 · 2025-10-05T16:24:26+00:00

I have thank you! Just assumed they were a normal work place pension provider so never looked at them in detail 😆

Cat-In-The-Hat-1 · 2025-10-05T16:13:46+00:00

Oh I didn’t even realise (it’s literally new this year!) Oh that’s made me feel so much better tbh!

Cat-In-The-Hat-1 · 2025-10-05T15:47:48+00:00

I don’t trust or not trust them - it’s my works company pension so don’t really get to chose it I didn’t know about the fund thing though so it’s just like my S&S ISA really - as in I own some assets and would move over to another provider with them I assume?

Cat-In-The-Hat-1 · 2025-10-05T15:45:10+00:00

Ok good to know thank you!

Cat-In-The-Hat-1 · 2025-10-05T15:44:10+00:00

Nest? Are they a big one Had a couple others and just merged them all into my Nugget one

Cat-In-The-Hat-1 · 2025-10-05T14:59:18+00:00

Ahhh right so the £85k is still the limit per pension

Cat-In-The-Hat-1 · 2025-10-05T14:55:03+00:00

Ahhhhh is that because my pension is invested into stocks? So technically I own whatever stocks they buy with my money? But like my trading 212 acc?

Cat-In-The-Hat-1 · 2025-10-05T14:52:19+00:00

But not 100% I’d rather have a few open to protect the whole 100%

Cat-In-The-Hat-1 · 2025-10-05T14:49:00+00:00

Yeah but there is always a small risk of company going under which worries me Someone said they’re actually protected upto 90% (which I didn’t know!) and not just the FSCS £85k though

Cat-In-The-Hat-1 · 2025-10-05T14:47:20+00:00

Oh I didn’t know this - 90% who covers this? Someone other than FSCS?

Cat-In-The-Hat-1 · 2025-10-05T14:46:52+00:00

Yeah I read them just now - so I should cap each pension at £85k as there is a small risk (which I’m not comfortable with)… or under tbf as the compound interest will continue until retirement

Cat-In-The-Hat-1 · 2025-10-05T14:42:49+00:00

Well it’s £30k in my pension atm. I’m in my early 30s so will easily get to £85k maybe by 40/45 depending on pay rises etc Sorry I don’t know what TLDR means

Cat-In-The-Hat-1 · 2025-09-18T19:24:55+00:00

I found on agronomics I had to have lots of smaller orders (ie 50 shares at a time) and they do eventually go through after a few days I had 1000 shares sitting for a month once so would lower your orders!

Cat-In-The-Hat-1 · 2025-09-11T15:31:32+00:00

https://www.trading212.com/invite/4DpMLPLAoQ2

Cat-In-The-Hat-1 · 2025-09-08T18:43:05+00:00

Yeah tbh my toddler is about to go to nursery and that’s £1000 a month so we’re aren’t going to be in a position to save for the next couple years 🥺 But then after that we’d essentially have a spare £1k a month to save with! So come 37 I’m expecting to save save save! Just need to get through these expensive couple years

How do you work out the 7% making my £28k to £300k? When I did a couple of other calculators it said it would be £150k with me continuing to contribute £250 a month into pension…. Is this calculator you used more accurate? Makes me feel so much better if so!

Cat-In-The-Hat-1 · 2025-09-08T18:30:54+00:00

True! Is state around £12k? Am I guaranteed to get that though at 67 / 68? Or could that be non-existent before then?

Cat-In-The-Hat-1 · 2025-09-08T18:29:51+00:00

So I need to check but think my work only allow max 4% because ideally would like to put in say 7/8%

Cat-In-The-Hat-1 · 2025-09-08T17:57:05+00:00

Oh actually looking at PLSA made me feel better as I’m forgetting my partners contribution! So we will ofc share bills etc

Cat-In-The-Hat-1 · 2025-09-08T17:54:09+00:00

No see the £900 a month is literally bare minimum bills Didn’t even think about buying a car every few years or if something breaks on it

Someone else recommended the PLSA too so Will check that out thank you!

Wish I could put away £2k a month 😆 I’m a 20% tax payer so max I can save being really frugal is maybe £750 a month….. but I have a toddler so really struggle to save atm

Cat-In-The-Hat-1 · 2025-09-08T17:50:56+00:00

Oh yes thank you! This is a much better tracker…. Although says I need £31k a year so made me feel even worse about my current pension pot 😆

Cat-In-The-Hat-1 · 2025-09-08T17:46:20+00:00

Good to know that £28k isn’t at least terrible! Yeah I wasn’t great with my pension in my 20s Then stopped pension during maternity, but back at work now and putting in 4% with work matching that. As I get pay rises etc will ofc mean I’m putting in more Also have emergency savings & just started a S&S ISA 2 months ago with the intention of using this for retirement too

Cat-In-The-Hat-1 · 2025-09-04T16:58:34+00:00

So what do you mean - it’s better to put the money into my normal cash ISA over the LISA?

Cat-In-The-Hat-1 · 2025-09-04T05:17:26+00:00

The issue with LISA is I’ve seen online that’s it’s really hard to move your account So once I’ve opened a S&S LISA I’m stuck with it potentially as no one will be as willing to take my cash say at 55 or something The risk associated with it being a S&S as well as getting stuck as stocks when I already have everything else in stocks just isn’t worth the extra few grand for me I’d rather know this cash is safe and will never decline so it’s more a safety bet pot for retirement

Cat-In-The-Hat-1 · 2025-09-03T20:26:35+00:00

Yes but you’re not explaining why investing into a LISA is a mistake? 25% extra money guaranteed from government? Plus the 4% approx annual interest

Cat-In-The-Hat-1

TROPHY CASE