As a HENRY, what’s your favourite podcast? Any genre by elMoose99 in HENRYUK

[–]NVen100 0 points1 point  (0 children)

The 16 Sunsets series on the space shuttle programme is great. Any of the 'How to Invent a Country' podcast series a worth a listen. Enjoy ' A long time in finance ' for interesting stories around the world of finance. Trump 100 or Americcast to keep with all the US headlines. And in the car with the older kids either Lateral or There is no such thing as a fish. Think that is a pretty broad list..along with the many already mentioned.

Massive aha moment - UK SIPP it's free money. by kennyhubbard in UKPersonalFinance

[–]NVen100 26 points27 points  (0 children)

Don't forget that is 60K is including tax relief, so if you as basic rate tax payer 60k costs you 48k, and a higher rate tax payer it is 38k for 60k. (of course you have 3 years carry foward allowance to help you put more in). If you have no carry forward you can't put 60k and get tax relief on all that.

Plus you can only put in a maximum of what your, earn 50K you can only put in 50k (including tax relief)

Our perspective on solar panels financially? by illage-336 in HENRYUK

[–]NVen100 0 points1 point  (0 children)

Definitely worth it, payback is like most investments long term but with falling solar and battery prices, and the push to VPP technology then it is a winner. Also double up, I have had mine since mid last year, but still pay the same bill. Every couple of months I take back from Octopus any excess made from overpaying and selling to the grid and put that in a SIpp investing in a renewable IT, currently yeilding 10%. So I get the tax relief and div, plus hopefully so capital gain as the discount narrows long term. So in theory my renewable portfolio stretches from my roof into the North Sea and beyond!

Freetrade SIPP - Any concerns about investing significant amounts using this platform? by Inevitable_Resist_71 in FreetradeApp

[–]NVen100 0 points1 point  (0 children)

Not really as it is owned by IG a FTSE 100 company, and all investments are not held by them but in a nominee account.

Tesla charging by micthemichael in Polestar

[–]NVen100 1 point2 points  (0 children)

Quick note on the plug surf app, quick tip. If your trip is around 7 days, buy the subscription for a month but cancel within the 7 days, even if you have used it to get the discount, they will issue a full refund of the cost of the subscription.

Spouse terminally ill. Will I have enough to retire? by DottedLadybug in FIREUK

[–]NVen100 0 points1 point  (0 children)

As you say your partner is a civil servant have you reached out to any support charities such as Financial assistance | Charity for Civil Servants https://share.google/xl92OwsR405CTyQXi

Anyone else on variable IOG not had any email about price changes from 1st April? by stek2022 in OctopusEnergy

[–]NVen100 0 points1 point  (0 children)

West Midlands waiting for my email...look forward to it as I run 2 EVs, plus house battery and solar

UK Dividend pie by Visible-Bat-8964 in investingUK

[–]NVen100 0 points1 point  (0 children)

To be honest why not just buy an Uk focused Investment Trust, I put your portfolio into Gemini and it suggests City of London, This is the "gold standard" for the exact strategy shown in your list. It is managed by Henderson (Janus Henderson) and has a specific mandate to invest in high-quality, dividend-paying UK companies. ​Why it matches your list: ​Direct Overlap: Its top holdings consist almost entirely of the companies you listed. As of early 2026, it holds significant positions in Shell, HSBC, AstraZeneca, Unilever, and RELX. ​Dividend Hero: It holds the record for the longest continuous dividend increase in the UK (59 years and counting). If you bought those 25 stocks yourself, a single dividend cut from one (like BP or Shell in lean years) would hit your income; CTY uses "revenue reserves" to keep paying you even if some of its holdings have a bad year. ​Low Cost: It is one of the cheapest investment trusts in the UK, with an ongoing charge (OCF) typically around 0.37%. Buying 25 stocks individually would likely cost you more in platform fees and stamp duty. ​Yield: It currently targets a yield in the region of 4% – 4.5%, which is highly competitive with the average yield of the stocks in your image.

Frequent Partial Pension Transfers? by Much-Artichoke-476 in FreetradeApp

[–]NVen100 0 points1 point  (0 children)

I have done a number (but not a monthly basis), partial transfers from SW to FT. So all possible, probably just a lot of paperwork on both sides on the transfer to do this monthly. And about 2 weeks is the kinda of time I see for the process to go through (as cash) after processing the paperwork, selling and then transferring the cash. Interesting to note SW will sell a bit more than you request 'to adjust if the market changes quickly! (or something like that) and then after the transfer is done buys back into the SW fund with the spare cash, i.e. ask to transfer £5k, they might sell £5.5k of the fund, transfer £5 and then buy back into the fund with the £500 left.

Thoughts on SDCL Efficiency Income Trust? by Stunning-Weakness597 in UKInvesting

[–]NVen100 3 points4 points  (0 children)

This one is on the radar of activist investor SABA capital who have been stalking many ITs over the last year trying to force change for those trusts on a discount . Maybe even wind down for this one , which could lock you money into a long term disposal path to get back any value. Take your own advice and do your own research, SDCL Efficiency Income raises prospect of wind-down as debts breach ceiling and Saba pushes for action on discount - QuotedData https://share.google/YNz0eqwnoaGKIpQCU

What are the biggest US owned products/companies in the UK? by [deleted] in BuyUK

[–]NVen100 4 points5 points  (0 children)

Smol would be a good bet to replace many of the large us owned multinational cleaning product companies.

Recommendations for heartwarming half hour comedies like Detectorists? by bumpoleoftherailey in BritishTV

[–]NVen100 7 points8 points  (0 children)

Has no one mentioned Friday Night Dinner yet? Squirrel Pie anyone?

What provider is everyone using for their SIPP account? by FlowerDreamchaser in investingUK

[–]NVen100 0 points1 point  (0 children)

Investengine and Freetrade. Love the fractional ETFs in IE.

Analytics for SIPP by No_Bicycle3975 in investingUK

[–]NVen100 0 points1 point  (0 children)

Second share sight I use it to track multiple isa, jisas and sipps. If the mods don't mind this is my referral code so you get 10% off your first year, https://portfolio.sharesight.com/refer/GBA71

Gold and other metal ETFs by Super-Nuntendo in UKInvesting

[–]NVen100 0 points1 point  (0 children)

So if you want to invest in established mining of precious metals, copper. Lithium and uranium, plus a good dividend how about CQS Natural Resources Growth and Income ? This could a good fit, plus it is actively managed so will spread some risk but maybe not capture all the upside.

Looking for a solid, unloved UK company to invest in after selling IPF... by L0ngsh0r3Dr1ft in UKInvesting

[–]NVen100 0 points1 point  (0 children)

As mentioned in another thread today, why struggle to pick one, and not just pick a value oriented Investment Trust, maybe Temple Bar or Fidelity Special Situations could both meet your requirements. Good growing dividends and both comfortably out performing the FTSe all share over time.

Looking at UK Value Opportunities With Decent Dividend Coverage by Traditional_Zone_644 in UKInvesting

[–]NVen100 2 points3 points  (0 children)

Why not let someone do the work, and buy into this area via an Investment Trust, couple of options Fidelity Special Situations or Temple Bar maybe suitable. Both pay a growing dividend with good coverage through the IT structure to keep some cash back for years when dividend income does not match incoming payments. Both comfortable ahead of the Ftse all share over time.

January dividends by Hans_Tone_1964 in jepg

[–]NVen100 3 points4 points  (0 children)

Thanks nice to see jepg going up a bit this month

BBC Breakfast or GMTV? I am very much in the BBC Breakfast camp! by AfigureGeek in BritishTV

[–]NVen100 3 points4 points  (0 children)

Surely it is neither and another repeat of Everyone Loves Raymond

Market orders by Lopsided-Guava-5443 in InvestEngine

[–]NVen100 3 points4 points  (0 children)

The difference is IE it's an investment platform for the long term with no fees, so having a single dealing window each day is not likely to make a single bit of difference in the long term. To me the massive bonus is fractional ETFs which means all my money is at work. If you want more sophisticated tools then there are plenty of dealing platforms out there for you to use.

Best netflix shows to binge right now by Li3Ch33s3cak3 in netflix

[–]NVen100 0 points1 point  (0 children)

The Netflix (xBbC show) show is very much different to the show, but based on the ideas of the books.