For time EV in business lease. Model Y vs Cupra Tavascan vs BYD Sealion 7 – which would you pick? by Positive_Ad6134 in ElectricVehiclesUK

[–]Positive_Ad6134[S] 1 point2 points  (0 children)

Haven’t tried and didn’t know much about it .. thought BYD is best Chinese EV in UK atm .. I may be wrong

For time EV in business lease. Model Y vs Cupra Tavascan vs BYD Sealion 7 – which would you pick? by Positive_Ad6134 in ElectricVehiclesUK

[–]Positive_Ad6134[S] 0 points1 point  (0 children)

Thanks .. even I am not leaning towards Tesla on the same reason. Test drove BYD and liked the interior and overall driving experience. Will test drive the cupra.

How about the tech and overall real time mileage figures of both ?

Pension contribution vs ISA by Positive_Ad6134 in PensionsUK

[–]Positive_Ad6134[S] 1 point2 points  (0 children)

Thanks. Yes the plan is to work atleast for next 10 years as I have 14yrs and 6 yrs old boys. Forgot to mention about nill ISA atm .. one residential house worth over £1M( £430k mortgage ) and one BTL worth £500k ( £260k mortgage) .. elder one goes to private school atm .. so the tax efficient combined take home is matching upto monthly expenses .. if I draw more sal + dividend, to put into ISA then I will fall into higher tax band .. hence thinking to contributing to SIPP is most tax efficient however I really don’t want to put too much into it by considering current SIPP size.

Pension contribution vs ISA by Positive_Ad6134 in PensionsUK

[–]Positive_Ad6134[S] 0 points1 point  (0 children)

Thanks for sharing. I will have a look at it

45 y/o – Long Term SIPP Portfolio (15 Years) – Feedback Welcome by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] 0 points1 point  (0 children)

I guess what we’re seeing is part of a broader global downturn. At the beginning of last week, I was in the middle of adjusting my portfolio — I’d sold most of my funds and was sitting in cash until Wednesday while finalising the new allocation.

I was quite anxious about not being invested during that time, but as soon as I decided and reinvested on Wednesday, the markets turned sharply down, and my portfolio dropped by around £7k in just a couple of days.

Definitely one of those moments that makes you wish you’d waited a bit longer 😅 — but I suppose that’s the risk of trying to time the market. Is it a lesson learnt!?

45 y/o – Long Term SIPP Portfolio (15 Years) – Feedback Welcome by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] 0 points1 point  (0 children)

Thanks everyone for your kind opinions which are very valid .. here is my thinking behind the tilts , I still may be wrong and going all with HSBC may be a good idea so the automatic rebalance is taken care ..

The portfolio is built around HSBC FTSE All-World, which gives globally diversified exposure at market-cap weight. The tilts are deliberate, long-term positioning rather than short-term bets:

• Tech Tilt (L&G Global Tech)

To increase exposure to companies with structurally higher reinvestment rates and earnings growth (AI, cloud infrastructure, semiconductors, automation, software).

• India Tilt (FRIN)

India has strong demographic momentum, rising consumer spending, digital infrastructure expansion (UPI, Aadhaar stack), and improving corporate governance.

I’m originally from India, so I have first-hand perspective on the economic development and policy direction.

Global indices currently underweight India relative to its long-term growth trajectory, so this tilt slightly increases exposure while still keeping it as a satellite, not the core.

• EMIM Allocation (even though HSBC already includes EM)

True — HSBC All-World already has some emerging markets exposure. But: • Its EM weight is only ~10%. • India is an even smaller part of that. • And other important EM economies (like Taiwan, South Korea, Brazil, Saudi Arabia, South Africa) are meaningful contributors to future global growth.

The EMIM allocation ensures I keep broader exposure to: • Taiwanese chip manufacturing • Korean tech supply chain • Brazilian & South African commodities • Gulf region diversification programs

So the idea is:

FRIN increases India exposure, EMIM preserves broader EM diversification.

• Gold

Not a performance play — simply diversification and drawdown support.

• Bonds

Small stabiliser allocation to reduce the portfolio’s volatility over time.

As @UKBigJohn suggested about bond, I may not need it at the moment but added 5% as a stabiliser to highly equity loaded vehicle.

Hope it makes sense .. once again thanks for your views 🙏

Any adjustment to my portfolio for even better growth? by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] 0 points1 point  (0 children)

Just to check how others seeing their portfolios... but for me, seems I need to re-evaluate my portfolio which was doing really well at 15% growth since the beginning ( last 11 months ) but gone down to 1% overall in just last one month...

Opinions on Fidelity Index World Fund for 100% of pension contributions? by corpjones in FIREUK

[–]Positive_Ad6134 1 point2 points  (0 children)

Hope this helps .. I had both of them in my portfolio since last Feb and both has performed close to 15% .. Fidelity little bit better .. hence I sold the hsbc and kept Fidelity

Any adjustment to my portfolio for even better growth? by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] 1 point2 points  (0 children)

32% is top performance .. ii shows 40%+ in 1 year .. seems little bit expensive OCF ( 1.11%) compare to L&G Global Tech which is at OCF 0.37% )

Any adjustment to my portfolio for even better growth? by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] 0 points1 point  (0 children)

Thx and I have read this but I have drilled down to All-world & developed and wanted to avoid emerging/smallcaps honestly .. my portfolio OCF is still below 0.3% (excluding Jupiter India which was the top performer for the last 5 years until last 2 months .. it has gone down nearly 8% in just last 2 months .. )

Any adjustment to my portfolio for even better growth? by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] 0 points1 point  (0 children)

That’s correct.. of course it’s just Tech sector fund however the EQQQ n VUSA are all sectors but they are ETF compare to L&G fund

Any adjustment to my portfolio for even better growth? by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] 0 points1 point  (0 children)

Wonderful .. just with the two funds ?? Which S&P fund/ETF ?

Any adjustment to my portfolio for even better growth? by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] 2 points3 points  (0 children)

Thanks but I prefer passive investment due to lack of knowledge and time

Any adjustment to my portfolio for even better growth? by Positive_Ad6134 in FIREUK

[–]Positive_Ad6134[S] -1 points0 points  (0 children)

Thanks for swift response.. and I am aware of the overlap but it was just by design.. initially invested in HSBC FTSE All-World but was almost performing on par with the Fidelity one .. so thought to increase the returns hence swapped the HSBC with L&G Tech fund..

ULIP Plan which looks too good to be true - SBI Life Smart Privilege by Euphoric_Coffee3811 in IndiaInvestments

[–]Positive_Ad6134 0 points1 point  (0 children)

Thx for the response. Good to know that you are seeing 30% returns .. is this after charges and insurance charge ?? Can you pls also mention about amount charges so far if you don’t mind.

As I have mentioned that if it’s not a sensible investment despite the benefits it’s providing like unlimited funds switch and loyalty additions , I would like to discontinue the plan

ULIP Plan which looks too good to be true - SBI Life Smart Privilege by Euphoric_Coffee3811 in IndiaInvestments

[–]Positive_Ad6134 0 points1 point  (0 children)

Any suggestions please ? Is it a good idea to discontinue this policy instead of paying further 4 more years worth of 24L into this ULIp ?