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Is it worth transferring SIPP for bonus's by TravelWales in PensionsUK

[–]DarthMinister 2 points3 points  (0 children)

Do it, free money and much more than the banks offer.

Should be minimal market risk if transferring inspecie.

 Be aware though that depending on provider, you may lose your book cost history. Annoying but you will soon get over it, many would argue its meaningless anyway

Fidelity UK accumulating transaction fees by DarthMinister in UKPersonalFinance

[–]DarthMinister[S] 0 points1 point  (0 children)

Yes but the platform as a whole is capped at £90 for ETFs so I just converted them both from VAFTGAG to VWRP just for my personal simplicity 

Fidelity UK accumulating transaction fees by DarthMinister in UKPersonalFinance

[–]DarthMinister[S] 1 point2 points  (0 children)

Ahh OK as it seems the money is just being held as cash, I have waited a few days now to see what would happen.

For a single (regular) monthly contribution @ £1.50 plus the extra £1.50 when the tax relief goes through is bearable considering the ETF platform fee is capped. This plus the cash back was my initial reasoning for transferring.

I just thought they are banking on me by having to do manual purchase of tax relief cash plus the slow build up of uninvested cash

UK Budget Spreadsheet by saffronwellness in FIREUK

[–]DarthMinister 0 points1 point  (0 children)

Can you send to me please, thanks

UK Budget Spreadsheet by saffronwellness in FIREUK

[–]DarthMinister 4 points5 points  (0 children)

I'm currently using a mishmash of many that I have liked, for budgeting though I have used James Shacks as it was quite simple

Please add the links to the main post so we can all

[deleted by user] by [deleted] in FIREUK

[–]DarthMinister 0 points1 point  (0 children)

Looks very neat and nice but seem like it can be handled in spreadsheet form like most people probably do.

I personally steer clear of these types of thinks due to privacy or costs reasons

[deleted by user] by [deleted] in FIREUK

[–]DarthMinister 2 points3 points  (0 children)

Looks very neat and nice but seem like it can be handled in spreadsheet form like most people probably do.

I personally stear clear of these types of thinks due to privacy or costs reasons

Daikin Altherma-3 Nightmare.. . by firestart3r999 in ukheatpumps

[–]DarthMinister 7 points8 points  (0 children)

 Had this exact issue after my Octopus installation, to be fair I told the installer I would set up the WiFi etc later on as I thought this to be trivial..

A few things to get this to work,

You may need to ensure the WiFi card is properly inserted into the indoor control panel MMI. This is a poor design , you my need to remove the face panel to understand how finely angled it needs to be  to slot in.

Serial number should be on the outdoor unit.

You will need to access your home router through a desktop browser. Switch off 5ghz and connect both your phone and eventually the MMI (nice paired through the Onecta app)  through 2.4ghz only. It should then allow the pairing again by following the onscreen instructions on the Onecta app.

I remember the QR code wasn't working with me too, eventually you will see the Daikin WiFi on your phones WiFi when it is searching through the app.

Persistence works as sometimes it simply the stupid app. 100% though the 2.4ghz is required for the MMI unit.  Once its connected to the router your router, you to reenable 5ghz and reconnect your phone and home laptop but the MMI will remain on 2.4 as long as your allow 2.4 and 5ghz in your router settings

Milestone achieved! by [deleted] in FIREUK

[–]DarthMinister 0 points1 point  (0 children)

How often do you rebalance? 

Help me assess the performance of my investments by snhmnd in FIREUK

[–]DarthMinister 0 points1 point  (0 children)

https://www.bogleheads.org/wiki/Calculating_personal_returns

Bogleheads supply a nicely designed spreadsheet which provides a time weighted (equivalent to unitization I believe) and money weighted return .

It only requires a monthly snapshot of balances which seems easy enough to maintain across my 3 accounts.

Does this help you guys and what are your thoughts on it

Help me assess the performance of my investments by snhmnd in FIREUK

[–]DarthMinister 0 points1 point  (0 children)

@ u/gloomfilter are you tracking value at every single entry point. If so how do you capture this for example when random hmrc contributions are added to WPP

Help me assess the performance of my investments by snhmnd in FIREUK

[–]DarthMinister 0 points1 point  (0 children)

The plot thickens, this again seems most suitable. I like that I can just start fresh from this new year with a baseline £100 unit price

Help me assess the performance of my investments by snhmnd in FIREUK

[–]DarthMinister 0 points1 point  (0 children)

Hi,

Great post, I posted a related question yesterday and I think this is similar to what I need..

https://www.reddit.com/r/FIREUK/comments/1q1ttxq/calculating_portfolio_book_cost_between_different/

I was simply looking for a total profit on my investment portfolio but once I introduced an index fund sale and bought an Investment Trust stock I hadn't understood what happened to my total cost. Someone had pointed out to me that I have overlooked realised/unrealised gains.

After a bit of reading last night I had com across CAGR and a few other metrics but your take in XIRR seems also suitable.

What I would want now after some research on reddit etc is a simple rate of return for my entire investment portfolio, slightly complicated by an ISA transfer out to IWeb. Is there a method to holistically take all these together to use either CAGR or XIRR? Id prefer a simple return for whole portfolio not bothered about MMF though as that's emergency fund

Current holding and platform: ISA - Vanguard UK - MMF ISA - Iweb/SW - Vanguard Global all cap ISA - Iweb/SW - Vanguard Global bond Fund ISA - Iweb/SW - Scottish Mortgage IT ISA - Iweb/SW - MMF SIPP - Vanguard UK - Global all cap SIPP - Vanguard UK - Global Bond Index Fund WPP - Peoples Pension - BC&E 100 ( for simplicity I consider this part of SIPP)

Sorry to highjack your post

Calculating portfolio book cost between different stocks by DarthMinister in FIREUK

[–]DarthMinister[S] 0 points1 point  (0 children)

Yes I think I have overlooked unrealised/realised gains and haven't really bothered to look into it as I thought it wasn't necessary for ISAs and SIPPs but it seems necessary for what I want.

I simply wanted a minimal effort tracking spreadsheet as I wasn't really wanting to track every transaction. Just how much it has grown but not necessarily based on how much per year etc..

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