Search found 354 matches

by TedSwippet
November 4th, 2019, 9:07 am
Forum: Pensions - Practical Problems
Topic: LTA and tax
Replies: 20
Views: 4197

Re: LTA and tax

What about if you withdraw 50%? Is the LTA fixed in stone at that point? (ie) As soon as you do a crystallisation event, the LTA is fixed permanently irrespective of future values? You use up the LTA in percentage-sized chunks. Say you have £1.25m and the LTA is at £1m. Crystallising £500k uses 50%...
by TedSwippet
November 2nd, 2019, 10:53 am
Forum: Pensions - Practical Problems
Topic: LTA and tax
Replies: 20
Views: 4197

Re: LTA and tax

It therefore makes both economic and political sense, and I don’t see any flavour of government abolishing it any time soon. It's certainly a political signal, and also both unfair and complex, but I think it is debatable whether it makes economic sense. It tends to motivate moving to part-time wor...
by TedSwippet
November 1st, 2019, 1:19 pm
Forum: Retirement Investing (inc FIRE)
Topic: SIPP Fees
Replies: 13
Views: 1035

Re: SIPP Fees

Eh? I have a SIPP and ISA at II. I pay GBP 10 a month. A trade is GBP 7.50 which is set against your monthly fee. Cheap as chips. https://www.ii.co.uk/ii-accounts/sipp Our Charges Our administration fee is just £10 per month while you are building your pension pot, in addition to the service plan f...
by TedSwippet
October 25th, 2019, 8:17 pm
Forum: Brokers and Share Dealing
Topic: AJBell as repacement for ii/ATS
Replies: 11
Views: 1090

Re: AJBell as repacement for ii/ATS

My current Interactive Investor SIPP is actually an AJ Bell refugee. AJ Bell stiffed me on charges back in 2013, when they were still called Sippdeal. Because I have a sizeable pension that is all invested in OEICs, my annual platform charge with them rose overnight by a factor of six times. This wo...
by TedSwippet
October 25th, 2019, 2:28 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 292
Views: 12721

Re: Alliance Trust Savings taken over by Interactive Investor

Like others no doubt I already held an ISA and Trading Account with II before the takeover by II of ATS so I was particularly interested in the email I received yesterday on how to link the two accounts (if for nothing else so as to save on two sets of charges) ... Just wanted to check .. are you s...
by TedSwippet
October 23rd, 2019, 2:36 pm
Forum: Pensions - Practical Problems
Topic: Crystallisation / Drawdown Options
Replies: 6
Views: 824

Re: Crystallisation / Drawdown Options

I'm in a similar situation, and I chose your option 2, with a move to 2B later and before age 75. In practice, I am crystallising my pensions in chunks as growth in them closes in on the LTA, so that I overrun the LTA by as little as possible. They are currently 67% crystallised in total, with headr...
by TedSwippet
October 14th, 2019, 8:31 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 292
Views: 12721

Re: Alliance Trust Savings taken over by Interactive Investor

Ironically ii used to ask for just 3 characters of your password, and only changed in the last few months to requiring input of the entire password. I don't know why they changed their policy except that they presumably think it is safer to require the entire string. There's a paper on this topic h...
by TedSwippet
October 2nd, 2019, 1:27 pm
Forum: Airport Lounge
Topic: TransferWise card for holiday spending - good experience
Replies: 7
Views: 1459

Re: TransferWise card for holiday spending - good experience

Positive experiences. I used my card in the Caribbean to obtain EC$ (which then proceeded to confuse ever person I paid with them, because they universally expected USD from the obvious tourist!), and most recently in the Czech Republic. In both cases I got only a shade under mid-market rate, and so...
by TedSwippet
September 29th, 2019, 9:05 am
Forum: Bank Accounts Savings & ISAs
Topic: Alliance Trust Savings to Interactive Investor
Replies: 3
Views: 1272

Re: Alliance Trust Savings to Interactive Investor

wickham wrote:Alliance Trust Savings is transferring my investment, ISA and pension accounts to Interactive Investments. ...

Currently being discussed in this thread:

Alliance Trust Savings taken over by Interactive Investor - The Lemon Fool
by TedSwippet
September 25th, 2019, 6:22 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 292
Views: 12721

Re: Alliance Trust Savings taken over by Interactive Investor

... I will of course be calling them myself (although I’m actually not sure if “them” is ATS or II; I think II will be my first port of call) but my situation can’t be unique so I’m wondering whether anyone has got here before me and already had this discussion with either II, ATS or both. I'm in a...
by TedSwippet
September 9th, 2019, 7:59 pm
Forum: Does anyone know?
Topic: Why are banks and building societies clustered together?
Replies: 11
Views: 2121

Re: Why are banks and building societies clustered together?

bruncher wrote:...but why is it that when you find one bank, you find six nearby?

Hotelling's model of spatial competition?

https://ed.ted.com/lessons/why-do-compe ... ac-de-haan
by TedSwippet
September 9th, 2019, 8:23 am
Forum: Financial Software - Discussion
Topic: LLPC in Google Finance
Replies: 3
Views: 1947

Re: LLPC in Google Finance

This returns the data from that page (actually the table where the data is presented) You can then link the actual cell that shows the price into your original tab. Enclosing the HTML import in the appropriate INDEX() will pull the wanted price directly as a single cell. That's a way to eliminate a...
by TedSwippet
September 8th, 2019, 10:55 am
Forum: Legal Issues (Practical)
Topic: Deed of variation and two-year time limit
Replies: 0
Views: 1694

Deed of variation and two-year time limit

Following on from this post ... One of the inheritors might need to prepare a deed of variation. My understanding is that this deed needs to be created within two years of the death of the deceased. However, because the number of other inheritors is still unknown (deceased was intestate), the amount...
by TedSwippet
September 6th, 2019, 1:29 pm
Forum: Passive Investing
Topic: Vanguard Pacific ex-Japan interest rather than dividend?
Replies: 6
Views: 2320

Re: Vanguard Pacific ex-Japan interest rather than dividend?

Contacting them was my first idea - if only I could get Iweb's webchat to work... Adblocker? Pop-ups blocked? I use Chrome, and generally it's one of those that stops these sorts of things from working -- they can't tell the difference between a legitimate pop-up you expect and an annoying advert o...
by TedSwippet
September 5th, 2019, 5:43 pm
Forum: Computers, TVs & Phones
Topic: Can't get onto my yahoo emails
Replies: 32
Views: 1867

Re: Can't get onto my yahoo emails

...The reason it's still working this morning is that Gmail access my Yahoo! emails directly through an API (Application Programming Interface) - a bit of software that accesses the store of emails directly and not through Yahoo! email's web page, which is likely to be the part of the system that i...
by TedSwippet
August 30th, 2019, 8:56 am
Forum: Legal Issues (Practical)
Topic: Estate executor heel-dragging?
Replies: 7
Views: 2314

Re: Estate executor heel-dragging?

Yes, my Uncle-In-Law died without a will and it was about 3/4 years as well. He died overseas and was murdered, so that might have added to the delay . . Ouch, not nice at all. Fortunately our circumstances are much less distressing. The insurers could be the issue- it may be more that they are the...
by TedSwippet
August 29th, 2019, 9:46 pm
Forum: Legal Issues (Practical)
Topic: Estate executor heel-dragging?
Replies: 7
Views: 2314

Re: Estate executor heel-dragging?

My mother was one of many beneficiaries when an elderly cousin of hers died intestate. The cousin was unmarried, an only child and her parents were dead and the estate was dealt with by a local solicitor. Thanks for this first-hand report of what looks to be a pretty similar case. Whilst a distant ...
by TedSwippet
August 29th, 2019, 4:35 pm
Forum: Legal Issues (Practical)
Topic: Estate executor heel-dragging?
Replies: 7
Views: 2314

Estate executor heel-dragging?

Does anyone here have experience on how long it might be expected to take for a firm of solicitors appointed as estate executors to complete distribution of the assets of an intestate deceased to inheritors? I realise that every case will be different. Also, I've only just been given the full inform...
by TedSwippet
August 28th, 2019, 2:38 pm
Forum: Pensions - Practical Problems
Topic: Final salary pension and MPAA
Replies: 5
Views: 2210

Re: Final salary pension and MPAA

My question is once I am in payment of this pension am I then restricted to only being able to pay £4000 into my money purchase pension or will I still have the full £40,000 allowance? https://www.moneyadviceservice.org.uk/en/articles/money-purchase-annual-allowance The MPAA only applies to contrib...
by TedSwippet
August 28th, 2019, 12:02 am
Forum: Retirement Investing (inc FIRE)
Topic: SIPP Tax Free Lump Sum
Replies: 4
Views: 2391

Re: SIPP Tax Free Lump Sum

I am trying to establish any reasons why I should defer, apart from tax liability on investment outside SIPP, mitigated by maximum ISA allowance and otherwise capital growth shares or IT's as opposed to high dividends. The only reason that I could think of would be if you plan to use your SIPP not ...

Go to advanced search