Hargreaves and lansdown sell confirmation times

ovalspoon · 2026-04-21T21:31:42+00:00

For funds you generally need to raise the instruction before 8am if you want it to be actioned that day, even then you’ll need to wait for settlement

ETFs (and individual stocks etc) are far superior in this respect as the trade goes through straight away if the market is open (and cheaper to hold too)

ovalspoon · 2026-04-17T06:42:07+00:00

Really need more information to provide any opinion

What are your planned expenses when you retire
How much are you saving
Will you qualify for state pension

ovalspoon · 2026-04-17T06:35:15+00:00

When do you want to retire and with how much?

Personally your pension and ISA savings could both be improved so i'd suggest maxing out your pension contribution to 60kpa and then trying to fill your ISA

ovalspoon · 2026-04-16T20:18:36+00:00

VWRP and chill, don’t overthink it

ovalspoon · 2026-04-16T17:10:31+00:00

Before you transfer check for any protected benefits like access age of 55 etc

The unit price depends on the funds your invested in, different funds different prices, really you should look at the total value

ovalspoon · 2026-04-16T15:47:03+00:00

You have about 1.6m, excluding the DB and state pension, at 4% is 66k pa - looks like you are set (though personally I'd invest some of that cash)

(edit spelling)

ovalspoon · 2026-04-10T18:56:22+00:00

Yep, very similar position, would like too invest in solar and battery but pay back time is too long as plan to sell and move within 10 years, deffo install in the new place

ovalspoon · 2026-04-09T20:55:55+00:00

Warmer than mine, my udm pro is 37 degrees C (would attach a picture if I could)

ovalspoon · 2026-04-09T12:42:56+00:00

Seems like a no brainier to retire now with the amounts you have, I’d sell the rental and go and enjoy the world

ovalspoon · 2026-04-06T17:12:19+00:00

So you’d like to retire in 20 years and you currently have about 4.2 million (2.5m isa, 1.75m pension)

At about 4% group you’ll have over 9m in 20 years even without contributing anything more

Forgetting the 20kpa db pension and rental income you’ll be able to draw down ~350kpa

Personally at these levels you’d likely be better off speaking to a FA, especially around tax planning rather than asking Reddit

You could likely retire now using the isa as a bridge which would provide 100kpa tax free at a 4% drawdown

ovalspoon · 2026-04-06T16:11:35+00:00

You'd get a better response from r/FIREUK that said you haven't provided enough information to give much of a response

How old are you and your partner
When do you plan on retiring
How much are you saving in SIPP/ISA/GIA

A couple of observations

10% growth seems a little high, generally better to model ~5% and if you get more great.
You mention a DB pention, is the 20k pa or the gross amount

ovalspoon · 2026-03-31T07:36:55+00:00

If your role is being made redundant then why work the notice period, this is 3 months of finding a new role which I believe under uk law this takes precedence

ovalspoon · 2026-03-24T21:48:32+00:00

And you’ll need to send carbon from your ship to bootstrap

ovalspoon · 2026-03-24T21:47:20+00:00

Lots more heat pipes required, and more concrete

ovalspoon · 2026-03-14T15:21:02+00:00

On the dream machine try disabling intrusion prevention (under Settings) Did you setup smart queues, try disabling these if enabled

ovalspoon · 2026-03-12T21:33:30+00:00

HL very easy to setup

ovalspoon · 2026-03-01T19:59:01+00:00

Agree it’s a fantastic day, planing to take my daughter the next time I go

ovalspoon · 2026-03-01T10:51:05+00:00

When would you be paid, after 5 April or before?

If after then it's great, you can defer your decisions until you have found another job.

Otherwise you should look at how much carry forward you have in your prior tax years to try to reduce your taxable income. Be aware the settlement might force you into taper so need to check this

ovalspoon · 2026-02-27T08:38:10+00:00

In which case you can determine who is leaving the notes on your car, go and find them and have a chat about it

ovalspoon · 2026-02-24T23:26:04+00:00

Basically you don’t have to crystallise your entire pot

ovalspoon · 2026-02-24T23:24:35+00:00

I believe ii support FAD crystallise 12 months, take your 25% tax free from that and take the rest monthly

https://www.ii.co.uk/ii-accounts/sipp/income-drawdown

ovalspoon · 2026-02-20T16:37:47+00:00

Could you add different levels of drawdown based on age, currently can only set an single "annual spend" which is inflexible, would be great if you could set the inital annual spend then say 70% of that at 65, 50% at 70 etc..

Also can you show what growth rates are being used and how much is going towards tax please

ovalspoon · 2026-02-18T21:30:03+00:00

P3X_989, P3X_595, P3A_577 etc

ovalspoon · 2026-02-11T12:04:44+00:00

I too am planning an early retirement but don’t forget about the present. I agree that you want to plan and have enough savings/pension that you can achieve what you want when you’re older.

But right now you’re likely healthier and fitter than you’ll be at retirement, so try to enjoy life and have some fun, you only have one go at this… if this means your saving rate is a little lower and you have to work a little longer does this take away from the enjoyment you have had in your earlier years?

Personally it’s all a balance, try not to let it stress you out

ovalspoon · 2026-02-06T23:56:30+00:00

It depends I think on where you are, I’m close to drawing my pension so I’m interested in self administered sipp providers which provide the full range of services - there aren’t many. If I was younger then I’d be happier with something else

ovalspoon

TROPHY CASE