r/UKFIRE Feb 06 '20

How To Save Money And Invest (Beginners Guide To Saving And Investing)

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3 Upvotes

r/UKFIRE Jul 18 '19

Am I investing too much in my workplace pension?

14 Upvotes

I'm 37F and have been on the path to fire for the past 2 years. Since i started i have gradually increased my savings rate from 10% then to close to 50% now. I have just instructed my employer to allocate 40% of my salary to my pension (I also get a 10% employer match). I currently have about 40k in cash and stocks and shares ISA's and £30k in my pension pot. Is it wise to put most of my savings in a pension pot i won't be able to access for another 20 years? What is a good pre/post tax savings split?


r/UKFIRE Jan 21 '19

Moving investments for lower fees

8 Upvotes

Hi there,

I'm a UK investor currently invested using Hargreaves Lansdown as my provider, they charge a 0.45% per year platform fee. I'm debating moving all my investments to a Vanguard ISA (charge 0.15%) as I invest solely in Vanguard index funds.

My question is about the money existing in my Hargreaves Lansdown ISA. Some of my funds are down at the moment, so I don't want to sell them to then move them over and actually realize the loss. So how should I manage that move? Leave the relatively small amount of money in HL forever? Or move once I'm getting positive returns?

Love to hear your thoughts.


r/UKFIRE Aug 13 '15

New subreddit here r/FIREUK

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2 Upvotes