r/investingUK

What is the best ETF to invest in, given my circumstances?

- 18M

- UK-based

- £1,666 monthly S&S ISA contributions from 20 y/o (I'm traning to become an airline pilot and will be on £63k from 20 y/o; will be living at home for some time so can max ISA contributions)

- S&S ISA is my retirement fund to bridge the gap between early retirement and receiving my workplace pension - so I plan to hold the ETF in S&S ISA for 20-30 years, without any withdrawals

Made some posts on here today - seeking advice as a beginner investor - I am now considering a 75% split in the VWRP and 25% split in VALL.

For context:

- 18M

- UK-based

- Able to max S&S ISA limit from 20 y/o (currently at flight school and on a starting salary of 63k after flight school completion)

- Want to keep all funds invested for 20-30 yrs.

Do you think this split is okay? May replicate the split for my pension and GIA, if I have excess to invest after ISA contributions.

Thanks.

I was unsure on title, apologies.

I understand any advice or opinions given is NFA.

After following the flowchart:
-Not eligible to support from the government apart from child benefit at ~£110. Currently claiming.
-Don’t rely on credit cards. Use them for security, but pay off in full monthly.
-All items fully insured and paid in full at the start of the policy date.
-No debt apart from mortgage.
-Emergency fund of ~£10k in cash isa. Outgoings are 800 a month, halved with partner so if we separated the 10k would last 12 months paying all household bills on my own.
-Auto enrolled in workplace pension. Pay 7% of salary and employer adds an additional 13%.
-Financial goals: ideally become FIRE, but in reality that probably won’t happen. If it doesn’t happen, I hope to have a comfortable amount of money for retirement, which I can then pass on to my children when I’m not around.
-No premium bonds, or LISA, but I have a cash ISA and S&S ISA.

Reposting after following the flowchart, after my previous post was removed.

I’m 38 and really need to start and think about finance. Any help appreciated.

I had opened a stocks and shares ISA with with Trading212 a while ago. Didn’t really like it or know what I was doing, so moved it all back into my cash isa. I’ve since done some research and open to long term investing.

I decided to reopen the S&S ISA last week and looking for a bit of advice/opinion.

Currently have 25k in VWRP and 10k in a flexible cash ISA. I’m on £43k a year and pay 7% into a private pension. My workplace adds an additional 13%. Total pension balance is around 75k after 8 years.

I had £35k in a cash ISA at 3.6% but have recently understood this could be earning more in a S&S ISA. I opened one after researching and decided on VWRP. I’m aware there is VALL at a lower cost, but due to a lack of history, I’m not comfortable with it. I’ve put 25k into S&S ISA 100% in VWRP.

I will be inheriting around 300k. This will be when my grandfather passes, and I know this is in his will. Don’t want to go into details, but it’s as good guaranteed due to his son’s relationship (my dad) with his partner. Hopefully it’s not for a long time, however he’s 91, and I need to face reality of him not being around forever. While I can’t dump that all into my S&S ISA, there will be other options I can speak to a FA about.

I have a mortgage of around 60k (18% LTV) which is 600 a month shared with my partner. The total I contribute to all bills and food is around 800 a month. No debt apart from my mortgage.

I’m on around 2.8k after tax (after pension contributions also). What would you say is a realistic contribution I should make to the ISA?

As previously mentioned, all opinions and comments welcome.

Hi guys! I’m a bit new to this, so I’d really appreciate it if someone could explain how this works.
I deposited £20k into a Trading 212 Flexible Cash ISA about two weeks ago, but I’ve now realised that I’d like to invest £10k of that in a Vanguard Stocks and Shares ISA instead.
Would I be allowed to withdraw £10k from my Trading 212 Cash ISA into my bank account and then deposit it into my Vanguard Stocks and Shares ISA? Or would this cause any issues with the ISA rules?

Can I invest in funds in a GIA and not pay tax on it until I cash out? I’d like to invest in a GIA (not pay tax on tbe funds as I’m not receiving any profit from it) and then eventually move the fund to ISA when I retire early. How can I achieve this?

If not possible, whats the most tax efficient way to invest my savings?

I earn around 130,000 a year with bonus. I have around 100,000 just in an account not invested anywhere for 6 years! I feel so stupid for not investing this amount sooner. However, I have heard that if I invest in a GIA, I need to pay tax even if I invest in accumulative funds. I don’t want to put all in pensions as I’d like to retire or work 3 days a week within next 10 years.

Expenses have increased due to having a kid and my salary will reduce to 102,000 from next year due to reduction in hours.

Here is my current portfolio:

Pensions value: 220,000 GBP
ISA: 145,000 GBP
Other savings: 115,000 GBP

Homeowner, with a mortgage.

Huge thanks for any advice, tips and thoughts.

Currently have a HL Stocks and Shares ISA and thinking of moving to Vanguard for better returns. What do people think of the Vanguard platform?

I’m fairly new to investing and I’ve noticed VWRP gets recommended a lot on here.

I’ve gone with the State Street SPDR MSCI All Country World (ACWI) instead. It seems to give me pretty similar global exposure, including developed and emerging markets, but the fee is slightly lower at 0.12% vs 0.14% for VWRP.

My plan is just to keep adding to it every month and hold long term.

Is there anything I’m missing? Why does VWRP seem to be so much more popular?

I've recently been looking at swing trading as a bit of a side hustle/top up for my longer term positions within my ISA. I've done a bit so far with relative success (around 25% this month, however this includes trimming some winners I've had)

For those that are doing it in a S&S ISA, what sort of strategies are you doing and are you primarily focused on LSE stocks or stocks listed on other exchanges nothing T212 has a FOREX fee and can eat into your returns.

I’m looking for some general guidance and experiences from people familiar with UK company law, shareholder disputes, investments, or solicitor issues.

I invested a substantial amount in what was presented as a property development investment in England. The investment was through an Investment Agreement. The terms of the investment agreement was never met from the company side in terms of share allotment or registration on Companies House. The investment was also made to another company belonging to the director as bank accounts were still being established for this specific business (the other bank account details are mentioned in the Investment Agreement).

The issue I am facing is that the development did not proceed as the lender pulled out just as the project started. I have been trying to establish what happened to the money I had invested but to no avail.

I instructed solicitors to look into my matter. Since then I have spent various amounts at different stages but the matter has not progressed in a meaningful way.

Questions:

1. If an investment agreement expressly provides for shares to be issued, but the shares were never allotted or registered, what rights might the investor have?
2. Do I have a claim under the signed agreement even though I never became a registered shareholder?
3. Does paying the subscription money to a different company from the company named as the issuer of the shares create an additional issue?
4. If the underlying investment/project failed, does that simply mean I have lost my investment, and the Director is not responsible to share information about what was the money used for? Is it ok to enrich a company without there being consequences for failing to protect the company and investors?
5. There is substantial amount of evidence and other investors/creditors who are also owed money. They are unable to move forward due to financial circumstances. Are there avenues such no win, no fee or another structure to be able to get a solicitor who is capable and experienced to resolve this matter.

I am looking for someone who has experienced such a situation and can point me in the right direction. Furthermore, I am trying to understand the power of the legal system in terms of misconduct and to prevent others from falling into a similar trap like this (this is a type of fraud or a scam event in my life).

If anyone can be of any help or suggest a solicitor who can look into this matter then I would very much appreciate your assistance.

Ive heard of a new provider from the UK called COCOA Invest. Currently they only have timed deposits but the rates are really good. I think the 12 month pays 6.75% after fees! Looks like they will add portfolios as well soon. Might be worth a look

Anyone else get the email from LLoyds today: "Your Ready-Made Investments account pricing is changing"?

Your account fee is changing from £3 a month to a percentage-based fee of 0.3% per year.

"We’ll take this monthly, based on the value of your investments. You’ll never pay more than £25 per month."

I had £100K in there, so that would have been £25 a month, more than a x7.5 fee increase. 0.3% a month, for doing nothing - you choose between 3 Scottish Widows funds of funds that then just sit in the account & have their own 0.1% management fee.

Glad I told them to close my Ready-Made Investments account last week. 😄