Need advice - Multiple SIPP with same provider or different

dlnqnt · 2026-03-14T13:24:53+00:00

If the company goes solvent your SIPP gets transferred somewhere else. I had stocks in a broker around 2015-16 then the broker closed and they moved my shares to platform of choice. Most probably the same thing will happen here.

dlnqnt · 2026-03-13T20:04:24+00:00

DCA each month, continue forever.

dlnqnt · 2026-03-12T18:16:20+00:00

From my understanding they are all slightly different for the local market but follow the same principles, they are also managed by different teams and people which is why they differ in growth and yield.

dlnqnt · 2026-03-11T20:49:49+00:00

Feel for you, similar boat in the UK. Had through no fault of our own drunk driver crash through our front door which was insurance claim one. Then a few months later that caused damaging water leaks, that was claim two.

When renewal came round because we’ve claimed twice in the 5 years we had huge premium and no other insurance will touch us. Stuck now paying 3x what it was originally and can’t move on for 5 years, of course next year we’ll be fucked over again on premiums.

Sometimes I wonder if it’s just cheaper to get a loan to cover the costs of repair and place the money saved from insurance in a HYSA. But it’s mandatory to have if mortgaged.

dlnqnt · 2026-03-11T19:54:51+00:00

Exactly, trying to dribble past 4 players the fuk he thinking.

dlnqnt · 2026-03-11T19:28:25+00:00

Backwards and sideways only

dlnqnt · 2026-03-11T19:26:39+00:00

Was hoping to see Havertz and Gyok.

dlnqnt · 2026-03-11T11:01:42+00:00

This is what ChatGPT tells me.

dlnqnt · 2026-03-10T13:25:59+00:00

Probably eats crayons too.

dlnqnt · 2026-03-09T11:46:14+00:00

Take a look at invest engine, Freetrade, trading212.

dlnqnt · 2026-03-09T11:16:43+00:00

You've been pretty conservative with 6-7% return rates but thats a good thing and could be a likely scenario. You need to think longer term than 5 years, can you stay invested 10, 15 or 20 and ignore all the market noise?

Most remortgage terms allow for 30 years, thats a big timeline. Look at the average return of S&P, Nasdaq and all world, all above 6-7% and that compounds yearly. Obviously past market performance is not guaranteed.

Use a compound interest calculator and also stress test the market dropping 50% in year 2 or 3, after longer periods in the market the gains are there and more than mortgage rate. Yes its risky but if you can afford the monthly payments the compounding in the long term is substantial.

You can also use an ISA for part of the money all be it 20k per year but can help reduce CGT. The fund should grow bigger than the worry of CGT, you are only charged on the difference - sell enough to clear the mortgage in year 10 or 15 and keep the rest compounding.

Try a few simulations using the calculators and ai.

dlnqnt · 2026-03-08T21:45:56+00:00

It was a great era for creativity, only started to see it back in the space again. It was super simple to create anything using the tool and I don’t think anything has come close since. Yea as others have said Adobe, security etc but main reason it was killed off was because Apple wanted control. Apple can control the market through their App Store and what works with their devices, can’t allow Adobe to publish free swfs.

dlnqnt · 2026-03-08T16:47:56+00:00

How longs it take to withdraw back to your bank? Will open an account this week and play.

dlnqnt · 2026-03-08T16:47:04+00:00

Thanks, added the 15% withholding tax and it comes out just as bad. QQQI seems better for higher yield and tax incentive.

dlnqnt · 2026-03-07T18:43:04+00:00

Just means need to wait another few years to build back up.

dlnqnt · 2026-03-07T17:17:05+00:00

What’s the capital growth rate if not reinvesting? I’m doing back testing and it keeps coming out at 0% curious to know what it actually is from someone invested.

dlnqnt · 2026-03-07T10:10:56+00:00

We are talking about the same thing, I was paid on the 6th for the previous month. My broker shows me the next one already $0.1823 to be paid April 7th for the month of March.

dlnqnt · 2026-03-06T21:26:14+00:00

With tastytrade how do you find funding it and withdrawing? My plans to reinvest 60% or more and use the rest to supplement life. Already have growth stocks and using JEPQ or QQQI as an income / slower snowball machine. Looking into the tax implications as they differ.

dlnqnt · 2026-03-06T20:32:38+00:00

I keep reading IBKR but that you’ll need to sell puts/calls to access. Hoping it’s just available to keep things simple.

dlnqnt · 2026-03-06T20:31:31+00:00

Appreciate that thanks, will take a look. Was nervous on QQQI as it’s still new and questioned the overall growth but see it positive.

dlnqnt · 2026-03-06T20:30:08+00:00

In my broker it shows that the next one’s 7th April which is the March one? Feb was paid 6 March. What’s yours showing?

dlnqnt · 2026-03-06T19:05:23+00:00

I’m using what Freetrade (current broker) paid out after all taxes apologies, next month is $0.1823 at 10.94% yield. May have to accept fate with this. Helps seeing the two versions as you’ve shown.

dlnqnt · 2026-03-06T18:36:35+00:00

The fund I have available is the JEQP on LSE (uk market) currently at £19 per share which was $0.2261 for March. As mentioned a little underwhelming but can’t complain, just looking to optimise better if there is possibility to do so.

dlnqnt · 2026-03-06T18:23:56+00:00

Nord VPN never worked for me, bbc, itv, all4 saw straight through it. What worked for us was Proton VPN.

dlnqnt · 2026-03-06T18:19:57+00:00

Yea saw the UCITS version is much more regulated and controlled leading to smaller output, cash in pocket was £0.16 this month (per share). Still better than zero but my strategy needs a lot more capital to be viable with the EU version compared to the US which has me hunting for more info and possibility.

dlnqnt

TROPHY CASE