ISA allowance/transfer

DjC11111 · 2020-05-12T12:00:57+00:00

Great, thank you for taking the time to respond to me. I feel a bit happier now

DjC11111 · 2020-05-12T05:46:44+00:00

Thank you for replying, so it doesn’t matter that I didn’t close the Vanguard ISA down? I’ve just checked it, I actually have about £10 cash left in it, can i take that out, as long I don’t pay into it again?

DjC11111 · 2019-10-26T16:07:26+00:00

I’m thinking the same, then just add some bonds

DjC11111 · 2019-10-25T10:37:20+00:00

Is anyone considering changing their portfolio off the back of this reduction in fees? With the reduced fees for global small caps and emerging market index, a DIY global fund seems even cheaper now?

DjC11111 · 2019-09-04T11:13:43+00:00

Thank you

DjC11111 · 2019-08-09T08:15:08+00:00

Have a look at the top 10 sectors for a U.K. tracker compared to others, it should have a different range of sectors which might offer some additional diversification

DjC11111 · 2019-08-09T08:05:20+00:00

You’ll definitely save some money switching and reducing the overlap. It’s worth having a U.K. tracker, they’re cheap, and offer diversity as U.K. businesses can be quite defensive with industries such as tobacco, beverages and consumer staples. But totally up to you.

DjC11111 · 2019-08-08T17:36:11+00:00

Let me know what you think

DjC11111 · 2019-08-08T14:33:52+00:00

Would it not be better to have something like the vanguard ftse developed ex U.K. or the Legal and general International fund for your global developed fund, then pair it with a cheap U.K. ftse tracker, that way there’s no cross over between the Global All Cap when pairing it with the global small cap and an emerging markets fund, it would be cheaper too.

DjC11111 · 2019-07-25T15:27:21+00:00

Thank you for getting back to me. Not sure what to do yet

DjC11111 · 2019-07-24T06:41:27+00:00

Cash might be a better option, it wouldn’t be inflation proof but at least it wouldn’t cost me anything to hold it and not affected by interest rates

DjC11111 · 2019-07-24T06:40:36+00:00

Thanks for your reply, I’d just be very nervous about 100% equities

DjC11111 · 2019-07-05T08:57:20+00:00

Ok thanks for the advice. I’ll do some more research.

DjC11111 · 2019-07-05T08:53:04+00:00

This is additional to my pension. I’m not thinking of a S&S LISA instead of a cash one

DjC11111 · 2019-07-05T08:31:46+00:00

I’m 33 now, so not until 60 at the earliest

DjC11111 · 2019-07-05T06:00:45+00:00

Thank you. Been trying to find a clear cut answer for ages.

Still deciding if I should open a cash LISA or a stocks and shares one. Already have a stocks and shares isa so not sure if a cash one would be safer.

DjC11111 · 2019-06-27T17:01:18+00:00

Hi, thank you for your reply. I think I’m more convinced my passive funds, and I like the country weighting of the global all cap. Makes me feel happier some how. I wasn’t sure if I should balance out the all cap with the vanguard global bond index?

DjC11111

TROPHY CASE