We’re often asked: Is it better to invest a big lump sum of money all at once, or to drip-feed your cash into the market? And there happens to be an easy answer… Statistically you’re more likely to boost your returns by going all in at once. A Vanguard paper titled Dollar-cost Averaging Just Means […]

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Fans of Vanguard (Vanfans? Guardinstas?) have waited years for the fund giant to launch its own low-cost SIPP for UK investors. The Vanguard Personal Pension was originally expected shortly after the company’s direct investment platform hit the UK in May 2017. However the SIPP launch was delayed several times, for undisclosed reasons. It’s understandable the US-headquartered […]

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I must be a masochist. Not content with the torture of bringing clarity to the labyrinthine annual allowance, I’ve now undertaken similar self-harm by tackling the lifetime allowance for pensions. I’ve given it my best shot in the post that follows. If I failed then please feel free to use it as a sleeping aid. What is […]

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