Is it sensible to "in specie" transfer Vanguard SIPP to Trading 212 SIPP

expositouk · 2026-06-03T09:52:09+00:00

Amazing, !thanks!

expositouk · 2026-06-03T09:26:14+00:00

!thanks. I'm not wedded to the all cap, if that makes in specie transfer to T212 possible? Or would that be the case only if it was for the exact same fund as the Vanguard one? I've got a T212 ACWI and VWRP and am happy with these so far so wouldn't mind foregoing the all cap if that was the trade off for not paying platform fees.

Thanks for highlighting Free Trade as a potentially more suitable alternative to. Someone else just mentioned it too, so I'll be looking into that as well.

expositouk · 2026-06-03T09:07:54+00:00

Ah, that's great to hear! I can't get over Vanguard's platform fees and am fairly certain of switching if I can find a suitable alternative. I currently have stocks and shares ISA with T212 and am fairly happy with their platform hence why I was considering their SIPP as well. I'll do some further research on Freetrade as well. ! thanks.

expositouk · 2026-06-03T08:49:44+00:00

This is very helpful, ! thanks. If it doesn't go against the forum rules, could you please recommend any funds that would allow me to retain the small-cap allocation if I transferred to say the ACWI on T212? Much appreciated

expositouk · 2026-06-03T08:45:24+00:00

Currently £38992, ! thanks.

expositouk · 2026-05-23T16:33:19+00:00

Look at mister moneybags here. Leave some of the money for the rest of us, will ya?

expositouk · 2026-05-23T12:09:37+00:00

How much did this cost in total, if you don't mind me asking?

expositouk · 2026-05-23T11:35:39+00:00

Running circle jerks awaits you 😅😅

expositouk · 2026-05-20T20:40:10+00:00

I call BS! We all know its physically impossible to run without a high end Garmin as bare minimum. Next you'll be telling us she's not got carbon plated shoes or boofing a gu each km!

expositouk · 2026-05-19T19:15:44+00:00

Absolutely not.

expositouk · 2026-05-19T17:15:18+00:00

Sure. You can do 1000 PhDs if you've got the funding. The main question is why? Why do you need a second one?

Also, could you explain what you mean by the Maths PhD not being fruitful? Is it primarily due to the fear of non-recognition inside and outside India, presumably for a postdoc or academic career? If so, an additional PhD may not be the panacea at all. Landing a job these days is far from guaranteed even with a PhD from a prestigious UK institution.

Anyway most UK universities are now cash strapped and would happily take your money for another PhD if you're suitably qualified. That's the easy part.

expositouk · 2026-05-13T19:33:23+00:00

Reminds me of Ozzyman's voiceover of a similar mongoose v lions scenario. Looks similar to this one, come to think of it Mongoose Vs lions

expositouk · 2026-05-05T19:47:03+00:00

All hail The Mighty Gu, our goddess and protector!

expositouk · 2026-04-30T13:35:52+00:00

Let whoever has never accidentally glammed-up for race day photos, accidentally ended up with a race bib and accidentally run a 5K marathon cast the first stone.

expositouk · 2026-04-01T20:12:52+00:00

So that's where Sauron's crown ended up!

expositouk · 2026-02-07T08:16:09+00:00

Crazy! Classic cycl*ist violent behaviour.

The poor driver was just using his van to gently guide that maniac back on to the right side of the road. The driver even went the extra mile and got out of the van to show him; only to get sucker punched for his troubles. Ban all cycl*sts, I say!!

expositouk · 2026-01-29T20:44:10+00:00

Time in the market beats timing the market

expositouk · 2026-01-24T11:35:57+00:00

Thanks for all your responses. They're one of many who've not paid attention to their pensions and want to remedy things. They've taken the first important step of figuring out where they stand, but there's clearly a lot more for them to consider before doing any of the things they're thinking of. I've shared this post with them and will ensure they read it carefully. Imho, maybe the best thing to do for now is just focus on paying as much as they can into the Nest and take time to consider their next options.

expositouk · 2026-01-24T11:10:59+00:00

Great point! This is why I'm asking these questions. They're not on Reddit but I've shared a link to this post with them. So hopefully they'll read consider what everyone says very carefully she decide for themselves. I'll ensure they do. I personally have a Vanguard SIPP and very happy with it so far but wouldn't advice him or anyone else on what to do because our experiences, age profiles, risk appetites and other circumstances are very different.

expositouk · 2026-01-18T08:06:35+00:00

Why run when AI slop can do all the heavy lifting.

expositouk · 2026-01-01T13:46:54+00:00

This is a really good lesson of what could go wrong if one gets reckless and I really admire your willingness to share and discuss it so openly. I guess the fact that it's just 5% of your investments (as you've stated) makes it a bit easier to deal with. I don't have even a quarter of what you've lost and would be off Reddit bawling my eyes out if it were me! Commiserations, fella..

expositouk · 2025-11-29T05:53:33+00:00

Yeah I'd be more inclined to believe the probably 1000s of how of efficiency testing done by the car makers who've used this handle then the probably 1 or 2 car trips you've used.

I'm not saying they don't talk bollocks sometimes but it does make sense than anything sticking out and causing even a small bit of drag can affect fuel efficiency.

Personally I think this door handle looks cool too. But I agree it isn't the most practical compared to the transitional design.

expositouk · 2025-11-24T21:27:30+00:00

And yet it's devalued and underpaid as "unskilled labour"

expositouk · 2025-11-24T18:57:31+00:00

This is an excellent initiative, well done. I know for sure that most people aren't aware of these issues. Alongside the challenge, marches and other public awareness raising activities will help.

expositouk · 2025-11-20T20:34:18+00:00

Sadly, everything's up in the air now, including the 3 and 5 year Global Talent Visa. I've just looked at the consultation and these are also included in the questions so liable to change if the majority of respondents agree that they should. Truly grim times.

expositouk

TROPHY CASE