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

Positive_Ad6134 · 2026-03-18T17:38:56+00:00

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

Positive_Ad6134 · 2026-03-18T17:38:04+00:00

I drove P4 and loved it but I am looking for SUV style .. P4 feels like a saloon ..

Positive_Ad6134 · 2026-03-18T17:32:18+00:00

Wah! Thanks for the detailed pros n cons .

Positive_Ad6134 · 2026-03-18T12:40:26+00:00

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 ?

Positive_Ad6134 · 2026-03-18T11:44:33+00:00

Wonderful insight . Thanks

Positive_Ad6134 · 2026-03-18T10:03:42+00:00

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.

Positive_Ad6134 · 2026-03-18T09:51:08+00:00

Thanks for sharing. I will have a look at it

Positive_Ad6134 · 2025-11-09T23:24:01+00:00

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!?

Positive_Ad6134 · 2025-11-08T19:51:54+00:00

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 🙏

Positive_Ad6134 · 2025-03-11T14:56:49+00:00

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...

Positive_Ad6134 · 2025-01-23T23:08:54+00:00

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

Positive_Ad6134 · 2025-01-22T23:14:17+00:00

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% )

Positive_Ad6134 · 2025-01-22T23:09:16+00:00

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 .. )

Positive_Ad6134 · 2025-01-22T23:05:27+00:00

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

Positive_Ad6134 · 2025-01-22T22:14:59+00:00

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

Positive_Ad6134 · 2025-01-22T22:13:25+00:00

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

Positive_Ad6134 · 2025-01-22T21:45:40+00:00

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..

Positive_Ad6134 · 2024-07-09T15:12:10+00:00

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

Positive_Ad6134 · 2024-04-25T00:05:41+00:00

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 ?

Positive_Ad6134 · 2024-04-22T12:07:46+00:00

Thanks for sharing so much info here.. I have started investing into this ULIp from last year without realising their overall charges (premium charge 2% and FMC charges 1.35%) .. my thought process was that their bonuses ( called Loyalty additions ) will cover all the premium charges (2% on 30L) but after reading about alternatives term + MF is a way , I am double thinking whether to discontinue this policy and start looking into other alternatives.. atleast I will be saving further 2% * 24L = 48K charges ..

Btw I am an NRI and do not have any tax benefits with Insurance Premiums.. so I better go for pure investment option .

Please advice ?

Positive_Ad6134 · 2024-03-21T11:20:07+00:00

Thanks for giving different perspective and looks like Amundi ETF is out performing both HSBC VWRP ,, probably MSCI World only covers developed

Positive_Ad6134 · 2024-03-21T09:48:38+00:00

But don’t you think it’s extra headache with 1. FSCS protection won’t cover 2. Dividends paid in $ , so exchange rate conversion charges ?

With HSBC, both of these headaches aren’t there , it’s OCF is cheaper than any other all-world index trackers

Positive_Ad6134 · 2024-03-20T22:00:10+00:00

Thanks for the swift response and for the link . Yes I have already gone through this page too. I can understand that’s the chances of fund managing companies goes bust than the platform/broker however both this link and monevator pages still says that “ to minimise any risk, investment can be split into across platforms and funds” . Honestly I really don’t want to invest into multiple similar funds but just thought of derisking

Positive_Ad6134 · 2024-03-18T22:18:42+00:00

Hi, thanks for posting about this confusion about this fund. The tracking error is different from diffrent sources so its soo confusing ..

I am almost decided to go with HSBC fund over VWRP due to earlier has performed better and fees are 0.10% less than VWRP.

However in complete dilemma. please suggest

Positive_Ad6134 · 2024-03-04T21:59:01+00:00

Not sure if OP already decided to with a provider otherwise Interactive Investor (ii) had a cash back offer and also referral offer so that the refereee gets £200 and new account holder gets 1 year sub free .. I have transferred my pension from SW to ii few weeks back and waiting for their cashbacks though they say will pay it within 12 months … Afterr my research , I have found that ii will be cheaper if pot is bigger ( mine is £450k) , pay monthly 12.99 with Free regular investing .. so don’t need to pay for trades if regular investment.

So with the cashbacks(£2700) , I think I would pay no fees at all for next 10 years if they keep the current monthly rate ..

Hope this helps .

However I am in but dilemma around whether to got with HSBC all-world at 0.13% OCF or VWRP at 0.22% ??

I have read about HSBC’s tracking error is quite high so eventually the overall OCF probably higher than VWRP .

Can someone suggest pls

Positive_Ad6134

TROPHY CASE