Here’s a video on SIPPs for anyone who wants a change from my regular ETF videos 😊 as mentioned I’ll be making some changes to this portfolio and will put out an updated video in the next month/six weeks! Please always do your own research and choose investments you feel confident/ comfortable with. Wishing you all the very best! 😊
Thanks for the informative video. Another video that'd be highly appreciated specifically here in the UK, as there aren't a lot about it out there, would be how to claim higher tax rate return on SIPP via self assessment
Very simple SIPP investment for me. 100% Vanguard FTSE Global All Cap. Pretty good growth since last October. But will monitor with interest market movements 😌
Hi Rachel, great video very informative as always. Quick question, may sound silly question bu how easy is it to manage HMRC stuff? Things like tax relief etc. Thanks.
Thank you so much. Great question. I personally find it very simple- much of it is automated by my SIPP provider. I can put together a video with more detail if it would be helpful. Wishing you all the very best with your investments 😊
I am not sure I see the logic of holding a low %age of bonds. I can see that for protection from a stock market crash, holding say 40% in bonds would protect you, but holding 20% or less in bonds is not going to do much - 20% in bonds would only be worthwhile if equities lost 80% of their value which is very unlikely. i.e. you might as well just be 100% global equities. Also holding a low gain bond for 10 years (say @ 4% gain) vs a global ETF (say at 8% gain which is modest) means the stock market would have to drop 50% (and you sit back and watch it drop without selling) to make the choice of investing in bonds a wise one. AFAICS holding a large %age of bonds is only useful if you are drawing on that portfolio in retirement and if so maybe you should think about other income schemes like a guaranteed annuity? In what situation is holding less than 20% (say) in bonds in a SIPP portfolio useful?
I would be interested in a video as to how you actually withdraw the money from a SIPP. This might sound ignorant, but can you withdraw multiple small sums each year?
@@creatingbalancefinance Yes, I think that would be a good video. Also, I am confused as to how you would go about withdrawing smaller sums each year and leaving the 25% tax free lump sum intact for a later date.
Here’s a video on SIPPs for anyone who wants a change from my regular ETF videos 😊 as mentioned I’ll be making some changes to this portfolio and will put out an updated video in the next month/six weeks! Please always do your own research and choose investments you feel confident/ comfortable with.
Wishing you all the very best! 😊
It's great to see a SIPP video frmo you. Thank you for adding this.
Thank you so much! I appreciate your comment 👍
Thanks for the informative video. Another video that'd be highly appreciated specifically here in the UK, as there aren't a lot about it out there, would be how to claim higher tax rate return on SIPP via self assessment
Great video. Important and relevant!
Thank you so much! I appreciate you taking the time to watch and comment too 😊👍 wishing you all the best with your investments 👍
Great returns! Terrific overview.
Hi Rachel, another great video, sooo information 👍 Have you posted your latest rebalanced update? I hope I haven’t missed it 🤔
Thank you so much! I really appreciate it! Not yet. Hopefully soon!
Thanks for sharing. I'm holding IITU and VHYL.
What’s the reason for VHYL ? Are you in retirement and intentionally looking for value dividend stocks ?
Thank you so much for sharing. 😊 wishing you all the best with your SIPP 👍
Very simple SIPP investment for me. 100% Vanguard FTSE Global All Cap. Pretty good growth since last October. But will monitor with interest market movements 😌
Simple is often best! Have a great week 👍😊
Hi Rachel, great video very informative as always. Quick question, may sound silly question bu how easy is it to manage HMRC stuff? Things like tax relief etc. Thanks.
Thank you so much. Great question. I personally find it very simple- much of it is automated by my SIPP provider. I can put together a video with more detail if it would be helpful. Wishing you all the very best with your investments 😊
@@creatingbalancefinance Thanks Rachel, video would be great ! Much appreciated.
I am not sure I see the logic of holding a low %age of bonds. I can see that for protection from a stock market crash, holding say 40% in bonds would protect you, but holding 20% or less in bonds is not going to do much - 20% in bonds would only be worthwhile if equities lost 80% of their value which is very unlikely. i.e. you might as well just be 100% global equities. Also holding a low gain bond for 10 years (say @ 4% gain) vs a global ETF (say at 8% gain which is modest) means the stock market would have to drop 50% (and you sit back and watch it drop without selling) to make the choice of investing in bonds a wise one. AFAICS holding a large %age of bonds is only useful if you are drawing on that portfolio in retirement and if so maybe you should think about other income schemes like a guaranteed annuity? In what situation is holding less than 20% (say) in bonds in a SIPP portfolio useful?
Is a SIPP a good option for drawdown? I'm 57 and have a couple of personal pensions and I dont know whether to combine in one SIPP 🤔
Very interesting, if you were 5 years from retirement what would you do?
I would be interested in a video as to how you actually withdraw the money from a SIPP. This might sound ignorant, but can you withdraw multiple small sums each year?
Thanks so much. As long as you’ve reached 55 or 57 (after 2028). I can put a more detailed video together. Thank you for the suggestion 👍
@@creatingbalancefinance Yes, I think that would be a good video. Also, I am confused as to how you would go about withdrawing smaller sums each year and leaving the 25% tax free lump sum intact for a later date.
I'm new to investing. How do you work out all these different percentages and how do you compare them? 😁