Pension experts?

Hargreaves Lansdowns SIPP is easy to set up online.

I have a SIPP with the Alliance Trust. Their website is pretty basic, but the choice of investment funds is good. e.g. They allow you to invest in ETFs, whereas many providers do not (to the best of my knowledge).

MT - I'm just doing similar for my missus

Go to Hargreaves Lansdown website and click on the link in the top right corner  "Free guide to SIPPS"

Info arrived 2 days later

cheers big h

cheers all

The thing that holds most pensions back is the costs taken out by providers & fund managers.

In times of low equity growth, those charges can be extremely punishing.

You should get her first to ask if she can enhance her works final salary scheme by making extra payments. If she can, there will probably be no (or very little) costs in doing this.

Hargreaves Lansdown's SIPP is first class.

If you want an actively managed fund then have a look at Ruffers.

Their Total Return fund is up about 200% over the last 10 years.

It sounds like you want to manage your own investments, so have a look at this link. A lot of good information and a great tool in assessing fund PAST performance. A word of caution, in my opinion, those returns achieved by various funds in the past are.....history. The global economic picture has changed and is changing with every passing day. If the artificial "growth" created by central bank money creation is not replaced with real growth in the next 12 months, expect losses or at best no returns. So making a statement like "fund is up 200% over last 10 years" is at best irrelevant, at worse misleading.

http://funds.ft.com/UKPensionFunds

is this an oxymoron thread?

melelanus and expert?

I don't know melelanus past history in commenting but here he makes very sensible comment.

u25k
I don't know melelanus past history in commenting but here he makes very sensible comment.


YEP.in the same way it makes sense to call McDonalds a restaurant.

Mr Bean, for a chap who doesn't read my posts, you seem to be following me around a lot.

Sadly, you read my posts, but still learn nothing.

after fearing redundancy i took out the tax free part of my private pension and the remainder was put into a sipp,with the cash i payed of my mortgage,ive now managed to keep my job and have decided to bump savings into a pension
i already carry on paying 150 a month into this sipp,but would like to invest up to another 1000 a month over the next 7 or 8 years,is paying into the current sipp the way forward

The tax benefit for the 40% part of your earnings is the worthwhile part of the investment.

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http://www.hmrc.gov.uk/pensioners/paying-retire.htm
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