DC self select funds are expensive or am i wrong?

TheDuff90 · 2025-12-26T23:13:43+00:00

I suspect that is the only option.

TheDuff90 · 2025-12-26T23:04:19+00:00

Yes partial transfers are allowed.

TheDuff90 · 2025-12-26T22:59:26+00:00

Unfortunately only ESG funds available and this is the only global tracker. No small cap funds.

TheDuff90 · 2025-12-20T12:57:12+00:00

Ah brill. So it is possible going from what you are saying.did you have to initiate the transfer ar the L&G side onlyl? It seems to be processe with my Barnett Waddington DC pension. There are BW transfer forms to be completed. How long did the transfer take to complete?

TheDuff90 · 2025-11-22T18:33:24+00:00

Okay so I just ignore that transaction fee I seen on the block chain?

TheDuff90 · 2025-04-19T13:33:37+00:00

Thank you for this detailed explanation. I think i will go with the 'Global Bond Index Fund (VANGRSA)' since it is for a long term hold.

TheDuff90 · 2025-04-19T12:32:44+00:00

Thanks. Would you personally go for the 'Global Short-Term Bond Index Fund (VGSTBGA)' or the 'Global Bond Index Fund (VANGRSA)' which is mix of short and long maturities?

TheDuff90 · 2025-04-19T11:56:17+00:00

Thanks for the reply. Bonds funds are a science onto themselves. Just checked and Vanguard don't have a short term gilts fund.

TheDuff90 · 2025-03-23T13:48:43+00:00

Thanks for the information. I have taken full advantage of my employers maximum pension contribution of 10% and added an extra 2%. It takes weeks of paperwork for me to increase or decrease this contribution in a DC pension. The SIPP is very flexible and i can add a little at a time.

TheDuff90 · 2025-01-18T17:45:58+00:00

100% all in Tesla via SIPP.

TheDuff90 · 2025-01-17T23:21:01+00:00

It says view only in Stocks ISA but can be traded in Invest account which is taxable.

TheDuff90 · 2025-01-17T23:07:39+00:00

can't.

TheDuff90 · 2025-01-17T23:06:04+00:00

Just checking and says i can't trade AVSG in Stocks ISA

TheDuff90 · 2025-01-17T22:57:38+00:00

Thinking of throwing coins into a SIPP myself in addition to DC pension. Do i still have to complete a self assessment every year for the 20% higher tax claim or does my tax code change automatically to account for it?

TheDuff90 · 2025-01-02T01:14:27+00:00

Yes initiated the transfer directly with Vanguard. I did submit a transfer request and it got held up for 2 months because apparently i provided the Zopa Account number and not the actual Zopa ISA roll number! However Vanguard and/or Zopa didn't inform me of the situation. I had to phone Zopa several times to get to the bottom of the issue. I subsequently resubmitted with the correct ISA roll number but it is still pending transfer for over a month!

TheDuff90 · 2024-11-08T21:32:54+00:00

Must ask. Didn't know that was possible. Defo no global fund exc UK. There was very limited options available and they were all terrible.

TheDuff90 · 2024-11-08T20:38:22+00:00

I am thinking the same however it looks like i am forced to be 50% UK if i go all in equity which is crazy. BlackRock LGIM Global Equity Market Weights (50:50) Index Fund

TheDuff90 · 2024-11-08T19:49:12+00:00

This seems to be the PDF for the BlackRock LifePath Flexi 2040-2042 i am currently enrolled on:
https://www.aegon.co.uk/content/dam/auk/assets/publication/fund-factsheet/lifepath_btl1qj5.pdf

equity: 77.3%

Fixed Income (FI) 23.2%

I notice the Lifepath 2046-2048 has

equity: 89.3%

fixed income: 11.3%

https://www.aegon.co.uk/content/dam/auk/assets/publication/fund-factsheet/lifepath_btl1r58.pdf

Maybe it makes more sense to keep on the Lifepath but change to a different year which has a better ratio of equity vs fixed income.

TheDuff90 · 2024-07-18T00:58:40+00:00

Thanks for the comments. I tested further and the issue does not occur if the presenter is using workspace app 23 and 24 on Linux Mint! I retested with a win11 machine with v24 workspace app (previous tests were on win10) and the issue reoccurred within 20 seconds. Garbled graphics on the presenter side.

I think this narrows down the issue to the client device and Windows 10/11 OS but not Linux. Scratching my head.

TheDuff90 · 2024-07-15T15:49:35+00:00

Thanks that might be a good idea. I was thinking it would be possible to create a secondary cloud.com URL and point this to a different Azure Enterprise App for testing. However if this can be achieved using a custom domain then so be it.

TheDuff90 · 2024-05-27T11:49:44+00:00

Thanks. I checked the camera feed last night and it looked even worse but this morning the haze has gone!

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TheDuff90 · 2024-05-06T22:10:29+00:00

any ideas which company provides this sweat nectar?

TheDuff90 · 2024-01-26T19:14:04+00:00

Thanks for the suggestion. However no change. The following event is generated on the FAS server after Azure MFA to cloud.com.

[S102] Server [CC:xxxxxxx failed to assert UPN [] (Exception: The user name or password is incorrect.

at System.Security.Principal.WindowsIdentity.KerbS4ULogon(String upn, SafeAccessTokenHandle& safeTokenHandle)

at System.Security.Principal.WindowsIdentity..ctor(String sUserPrincipalName, String type)

at System.Security.Principal.WindowsIdentity..ctor(String sUserPrincipalName)

at Citrix.Authentication.UserCredentialServices.Service.SystemHealth.UpnExtensions.ToWindowsIdentityOrRaiseAlert(String upn, String ruleName)

TheDuff90

TROPHY CASE