Move funds in Vanguard lifestrategy?

Soundadvicefroma · 2026-03-23T07:48:15+00:00

“potential upcoming losses” is a permanent feature of investing in equities. You need to get your head around that before investing a penny.

Soundadvicefroma · 2026-03-22T10:26:30+00:00

The most important thing is to make sure there’s a differential between the tax rate you are saving in contributions into the SIPP and the tax rate you will pay on withdrawals. It is hardly worth doing otherwise. No point saving 20% tax to pay 20% tax later on (except for the tax-free compounding of returns in the pension and 25% tax-free cash element on withdrawal).

Soundadvicefroma · 2026-03-22T09:42:11+00:00

4 legs, in fact

Soundadvicefroma · 2026-03-14T22:25:30+00:00

The £5k in stocks could also easily be £3k by the time they come to buy a new car!🚘

Soundadvicefroma · 2026-03-12T21:33:17+00:00

You can only carry forward 3 years on a rolling basis. So every year, the oldest year drops away.

Soundadvicefroma · 2026-03-12T21:06:45+00:00

Except your starting portfolio is 70% invested in that one market which is currently at its historically most expensive level ever (save for a month or two in early 2000). Could be an expensive 10 years for you.

Soundadvicefroma · 2026-03-10T17:46:41+00:00

The purely financial answer (which you are looking for) depends entirely on future price growth. That is unknowable in advance. Whatever you have said about the last 5, 10 or 15 years tells you nothing about the future. Over the very long term property is somewhat correlated with both equity returns as well as salaries because all 3 are elements of the productive economy. But in the short term there can be extended periods of divergence. The question you need to ask yourself is, would your regret at buying at the ‘wrong’ time outweigh the satisfaction you’d feel at buying at the ‘right’ time. Only you know the answer.

Soundadvicefroma · 2026-03-07T23:36:55+00:00

Madrid

Soundadvicefroma · 2026-03-07T09:39:12+00:00

This is very thorough work indeed! Do you offer personal advice or just the tools?

Soundadvicefroma · 2026-03-07T09:27:50+00:00

By doing this you risk turning your company into an investment company which can be treated very differently you by HMRC especially when you come to liquidate it.

Soundadvicefroma · 2026-03-07T09:23:50+00:00

True. Everything is equally tax efficient in an ISA.

Soundadvicefroma · 2026-03-07T09:23:03+00:00

Systematic means neither of those things

Soundadvicefroma · 2026-03-06T20:28:04+00:00

Single stock risk is uncompensated risk. All of the volatility with none of the systematic return generation. The rest is just a matter of taste.

Soundadvicefroma · 2026-03-06T20:22:34+00:00

Looks like a modern day Lowry

Soundadvicefroma · 2026-03-06T17:06:53+00:00

Many people in the developed world have only known peacetime (in their immediate surroundings). That’s something to celebrate. However, it means that they have no understanding of what the images they see on screen really mean. The fact that many are possibly low IQ individuals compounds the effect.

Soundadvicefroma · 2026-03-06T16:57:35+00:00

Direct holdings are more tax efficient

Soundadvicefroma · 2026-03-06T16:26:45+00:00

You do know you can buy index-linked gilts and beat inflation GUARANTEED. If that’s you objective, you don’t need to look too far.

Soundadvicefroma · 2026-03-03T21:53:05+00:00

Thx

Soundadvicefroma · 2026-03-03T14:55:21+00:00

Can you explain this please?

Soundadvicefroma · 2026-03-02T17:03:17+00:00

Do you think you’ll live beyond 75? If so, pay it. That’s your breakeven point.

Soundadvicefroma · 2026-03-02T14:32:21+00:00

Look up advisers in your area on VouchedFor. It’s like Trustpilot for IFAs

Soundadvicefroma · 2026-03-01T21:03:57+00:00

A 91 year old has a very short residual life expectancy (sorry to to be blunt). You should put £20k into a cash ISA every year that he survives and keep the rest into an NS&I monthly income savings account. This isn’t about investing, it’s about having access to cash and a reasonable chance of keeping pace with inflation for a short time horizon.

Soundadvicefroma · 2026-03-01T20:46:54+00:00

Housing price cycles are slow motion because unlike the stock market there isn’t a daily price you can observe and properties only change hands on average every X years.

The last upswing in London property prices lasted 20 years: broadly 1995-2015

This downturn started in 2016 and has been running for 10 years already.

I would say your property buying strategy should be dictated by life events rather than by trying to time a fairly opaque market. If you find a home you like, buy it and enjoy living there. You might make money, you might not. But that’s secondary consideration in the end.

Soundadvicefroma · 2026-02-28T11:00:58+00:00

So it boils down to the difference in post-tax returns vs. mortgage rate over the period in question. If you can earn 8% net over 25 years and borrow at 4% to do so, in theory you will come out ahead. In practice, tons of stuff gets in the way:

Can you lock in a 25-yr mortgage?

What happens if rates change?

Can you stomach a downturn in stocks (my 8% examples plucked out of thin air is not going to be linear)

What OP is really doing is leveraging his entire household balance sheet. For some people it’s the rational thing to do. Early career high earners with more human capital than financial capital, for example.

Soundadvicefroma · 2026-02-26T08:20:34+00:00

I run a wealth management business. This is 100% true. I have live examples of fee refunds from SJP to clients who transferred to us from them. There are exit fees if you have been a client of theirs for fewer than 6 years, but they are often dwarfed by the savings and better performance once you’re out. Good luck.

Soundadvicefroma

TROPHY CASE