What's in your SIPP

📊 Investing
1

Hello Seasoned Inventors

So I have just opened a SIPP, mainly because am now hitting a certain threshold whereby the tax pain is getting unbearable, hence with salary sacrifice that has been set up, some of those pains can be alleviated/delayed by moving money into SIPP (legal).

Am aware pensions is capped at £60k per year which can be back dated for the last 3 years giving a £180k leeway to play with

For those that have got SIPP, what does your portfolio consist of? I have got 20 years plus on myside.

Thank you

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You want the cheapest 100% equity most likely. HMWO, VWRP possibly - depends on your platform fees given the 20+ year timeframe. Both of these ETFs are missing some markets, and private investment as well.

I just follow the most aggressive auto managed pension package wherever I work.

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Global all cap OEIC and 1% cash.

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4

Thanks for clarifying :joy::rotating_light:

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40% of mine’s in a global tracker and the other 60%'s in investment trusts.

I like trusts as they can borrow which should result in outperformance in the long haul.

And you can buy them at a discount. With SMT currently, for example, you can effectively buy £1 worth of stocks like ASML for nearer 80p.

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You’re another fan of ITs - I’m currently taking another look at FCIT - long term its performance profile is similar/better to VWRL, and it’s back trading around a 10% discount. I can bide my time until that narrows to sell :slight_smile:

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Ok its fees are 0.54% vs 0.22%, but I’m happy to bite at these levels!

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I invest into L&G MT Global Developed Equity Index Fund through my employer. It has a low fund charge of 0.1%.

It probably underperforms but I get tax releif at source so dont need to faff around claiming back tax from HMRC.

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8

Very good suggestions, i have already got global equity in ISA

So am thinking this to increase my exposure to Europe ex UK

Also what is the difference between sampling and full replication?

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In a nutshell, the ETF buys some of the index as a proxy rather every stock.

FEV, a Europe trust, is worth a look as is MTE which focuses on small caps on the continent.

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Anyone have a SIPP with Vanguard?

Always found it strange how limited the choice of funds is with them in their own products. Was recently looking to spend some dividends within my SIPP and noticed that VERX doesn’t seem to be an option anymore. They do have the accumulating version (VERG) of that fund though.

Looking forward to being able to transfer over to the 212 SIPP when it arrives.

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I hope the T212 SIPP arrives before the end of the tax year.

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12

Yeah I’ve SIPP with Vanguard, for my needs they’ve enough choices so far i have VEUA, VMIG, VGER, VUKG, 42% cash, while drip feeding and waiting for massive sell offs or US market reaching its 50 year average forward PE 15 - 16

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That’s quite a high cash pot, although possibly wise given the last 4-6 weeks. Any reason?

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I’m just a bigginer, but I did some research and decided to go all in on global index funds, no bond (Ihave my reasons). So I have a 50/50 split between these 2 funds in a SIPP with ii:

Vangard FTSE Global All Cap Index Fund GBP Acc

Vangard Lifestrategy 100% Equity Fund GBP Acc

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