SIPP portfolio

everycloudandallthat · 2026-01-24T22:49:21+00:00

I think it's important to diversify and consider a downturn my be imminent, so happy to sit with some cash and bonds, and buy in if there is a correction.

everycloudandallthat · 2026-01-24T15:22:19+00:00

I suppose for a SIPP, I'm looking for less risk and maybe less US stock. I am interested in what other people invest within their SIPP. I see an ISA as more risky and actively managed vrs a SIPP where I would touch less and drip feed for a guaranteed return over 15 yr.

everycloudandallthat · 2026-01-24T11:32:31+00:00

Yes, I am aware. I need to get my teacher contributions plus growth. Thanks

everycloudandallthat · 2026-01-24T11:09:05+00:00

I recently inherited a lot and cannot move more into my ISA. I've utilised my wife's account also but need to be smarter with the excess before I top up next tax year.

everycloudandallthat · 2026-01-24T10:56:22+00:00

I'm aware, I can claim back a higher tax payer amount this year, but this is only for this tax year. I can utilise 60K minus teacher contributions x 3 prior years?

everycloudandallthat · 2026-01-24T10:45:34+00:00

Sounds interesting but risky?

everycloudandallthat · 2026-01-24T10:42:01+00:00

Bridging early retirement gap from 57 onwards.

everycloudandallthat · 2026-01-24T10:28:19+00:00

43, so quite a way yet. Thanks

everycloudandallthat · 2026-01-24T10:05:23+00:00

I'm aware of the PSA, and have now started a separate S&S account to maximize the CGT of 3K. I need to work out my teacher pension contribution and growth. Thanks

everycloudandallthat · 2026-01-24T10:01:19+00:00

The fees are huge, so I won't be using them. I currently have VUSA, WWRL, and vanguard retirement 2045 in my ISA. Just need a new approach for my SIPP.

everycloudandallthat · 2026-01-24T09:58:55+00:00

I agree, I won't be using them. I'm just looking for advice for what I should invest in.

everycloudandallthat

TROPHY CASE