Can’t fit all your investments into your ISA and SIPP tax shelters? Then you’re going to have to make some choices. Happily, the pecking order for maximum tax efficiency is clear cut. In order of most important-to-shelter to least: Offshore funds without reporting fund status Bond funds REITs Individual bonds Income producing equities Foreign equities (arguable) […]

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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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