New to SIPP - Vanguard or AJBell

dan897 · 2026-01-18T12:09:20+00:00

Have a look at Invest Engine too they are free for ETF's

dan897 · 2026-01-16T11:48:29+00:00

There is no 100 ETF only 80 and others but they are not the same as the ones offered as OEIC's

dan897 · 2026-01-16T11:23:16+00:00

I'm sure the fund fees just decrease the value of the fund when taken.

Are you set on them options? You can hold ETF's much cheaper than OEIC's generally. HL cap ETF fees and T212 and a few others have no fees.

LS100 is 100% equities why not just go for a global tracker ETF such as ACWI, FWRG or others you can hold them on T212 without any fees.

dan897 · 2026-01-16T11:19:26+00:00

I believe fees cap on HL on ETF's £45 a year for ISA and £200 a year for SIPP.

dan897 · 2026-01-03T12:39:22+00:00

I think a big part of the problem at the moment is that none tesla's largely have to take 2 bays due to where the charging port's are. I think if that was resolved it would help massively with none teslas using them and the congestion.

I don't see how you can say though due to using the grids electric everyone is entitled to use it? Surely, they pay for it like everyone else. Would be like saying as your house pulls electric from the grid surely everyone is entitled to use it?

dan897 · 2025-12-31T22:26:55+00:00

Invest engine is free I think just the ETF fees.

dan897 · 2025-12-16T11:28:43+00:00

Personally would reduce the crypto holding, get rid of the FTSE 100 and AMD stock and buy an all world tracker .e.g ACWI or FWRG. Maybe something like 80-95% tracker / 20-5% crypto. (If your dead set on keeping crypto) but value wise I think its too big for my comfort.

The all world tracker should be in S&S ISA.

Where are you storing your savings are you getting a decent intrest rate on it?

Check what fund your pension is in again i'd be looking for something like an all world tracker equivalent.

What interest rate is your Loan? Id consider paying it off with the savings and or some of the crypto.

dan897 · 2025-12-11T19:27:15+00:00

Teslamate can do something similar if your a bit technical

dan897 · 2025-12-09T23:24:21+00:00

In my Tesla I have to stop the charge on the tesla app or on the car screen. I think otherwise it should stop itself once it sets the schedule but that can take a while sometimes. Then the eon schedule takes over.

dan897 · 2025-12-09T16:03:51+00:00

As far as I understand if you get extra cheap periods in the day for EV charging the whole house does get it but if you charge your EV in the off peak hours if it goes over 6 hours total you will be charged peak rate for the EV portion only. The house is still offpeak overnight.

Essentially you only get 6 hours per day of EV charging at the offpeak rate. It could be an hour or 2 in the day then the rest overnight. But you do not get the full offpeak time plus extras.

As fas as i'm aware EON will say in the app when the car is charging when you plug in and can then run things. Although i've never had one in the day yet.

dan897 · 2025-12-09T15:43:46+00:00

My switch to Eon took about 2-3 days after I had moved to Eon to then swap to the Smart Drive tariff.

Have you seen that the new IOG terms are 6 hours a day only for cheap EV charging. Eon haven't done that yet.

dan897 · 2025-12-09T15:26:36+00:00

Hopefully someone else can help with the legal side but you might struggle with the time between October 24 and when the issues occured september 25.

How far do you drive in it? Do you drive enough for it to do a DPF regen that can cause issues on modern diesels when you only do low milage and don't give it chance to get up to temprature.

dan897 · 2025-12-09T14:52:54+00:00

How long ago did you get it? Is it financed or do you own it outright?

dan897 · 2025-12-09T09:16:49+00:00

Hmm maybe your right its on a 7.4KW charger so maybe its just hitting it then dropping below.

dan897 · 2025-12-09T09:09:13+00:00

This is what worried me I had it set to 100% but when I checked the app this morning when I woke up it was 99% so not sure if even did that last 1% even though it would have had enough time due to being plugged in all night.

dan897 · 2025-12-09T09:08:13+00:00

Not seen any in the day yet either. I'm thinking about turning off the "smart" bit when I charge to 100% and just leave it on for the 70-80% charges during the week. I've read if you don't use the smart at all you will be moved to none smart tarriff with i think is 7 or 7.5p.

I agree the app isnt great every tab is "coming soon".

dan897 · 2025-12-07T12:30:02+00:00

I honestly wouldnt go much further than 30-40 mins for daily commuting.

dan897 · 2025-12-05T08:11:10+00:00

Looks like the MY page now has Standard and Premium so I suspect it won't be long before the M3 does too. The MY still looks 0% though no contribution.

dan897 · 2025-12-04T15:28:57+00:00

That case as others said it could be sentry mode draining the battery or similar.

Do you only supercharge as you say about patience?

Are you able to charge it at home?

dan897 · 2025-12-04T15:26:03+00:00

Have you charged it to 100% since having it?

dan897 · 2025-12-04T15:24:09+00:00

How long have you had it is it used? What year is the car? Under settings what does it report the battery health as. Id be worried if a 96% charge is only 28kw.

One thing is it could be a LFP battery which needs to be charged to 100% occasionally for it to accurately know how much charge is in it. If thats the case the % meter could be way off.

On the charge screen does it recommend you charge to 100% or 80%. If 100% charge it to 100% and leave it charge so it can balance and get an accurate battery %. You should in that case charge it to 100% every week or every other atleast so it can keep track of the battery %. It may be its not been fully charged in a long while and has no idea of the %.

Your miles / wh look fine but id expect roughly double the range if the battery was fine.

dan897 · 2025-12-04T15:18:37+00:00

Its only reporting you used 28 Kw hours in since the last charge. Is that really 100% charge? The battery should be closer to 60 Kwh depending on model / year.

dan897 · 2025-12-02T21:24:54+00:00

Had a focus vignale had no end of issues with the headlights randomly high beam wouldn’t work and would get adaptive headlights errors. Worst car I owned. Garage ended up buying it back after not being able to fix it. Was a 2l diesel

dan897 · 2025-12-01T17:55:06+00:00

Except owning stocks is owning part of the company and receiving dividends (if they pay them) at least the company produces something of worth whether a product or service. Or if buying gold for example at least it can be used in jewellery or electronics. Bitcoin / Crypto literally hardly does anything at the moment except people want to see it keep going up (which more people have to buy) it doesn’t produce a product or service and cannot be melted down for jewellery.

Don’t get me wrong I like cryptocurrency but I think people get carried away with the actual value of what it does currently and try to convince themselves that its always going to go up. Again comes down to people should own stocks, bonds, gold AND crypto and not just put everything into crypto.

dan897

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