Best savings account?

DJMK4 said:
With regards to s&s ISA it's just confusing what to go for..I have asked before but which pie exactly are people going for ?

I assume vanguard FTSE all world ? Or vanguard s&p500 dist ? Or emerging markets ?
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Better to ask in the investments thread I'd have thought but Pies and ETFs are different things for a start.
 
DJMK4 said:
You have a 20k allowance each tax year.
.year 1 you pay in 20k
Year 2 you pay in 10k and withdraw 1k meaning you have 11k still left of that years allowance . Pay £5k in and you have £4k left in the allowance etc

Interest is not included in allowance



With regards to s&s ISA it's just confusing what to go for..I have asked before but which pie exactly are people going for ?

I assume vanguard FTSE all world ? Or vanguard s&p500 dist ? Or emerging markets ?
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I don't use pies. They are like etfs made by individuals. Alex-pie might be 50 percent in tesla and 50 percent in nvidia as an example. But they can be complex.

I use Etfs (vwrp/vuag) and individual stocks.
This year my individual stocks have done much better than my Etfs.

But Etfs are better for 99 percent of people.

But etfs are as different as stocks. You can have an etf in green energy, tech, or whatever really. But yes, this is a question for another thread.
 
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413x said:
I don't use pies. They are like etfs made by individuals. Alex-pie might be 50 percent in tesla and 50 percent in nvidia as an example. But they can be complex.

I use Etfs (vwrp/vuag) and individual stocks.
This year my individual stocks have done much better than my Etfs.

But Etfs are better for 99 percent of people.

But etfs are as different as stocks. You can have an etf in green energy, tech, or whatever really. But yes, this is a question for another thread.
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I'll try and post in the investment thread more but yeh generally I still find it a little confusing . If I pick something it has to right as its a few year to 5 year strategy
 
Just buy VWRP and don't look at it for 5-10 years except to add more money each year. Setup monthly investments and you dont even have to log in. It really isn't complicated so dont make it so. Forget all this pies and nonsense like that.
 
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200sols said:
Just buy VWRP and don't look at it for 5-10 years except to add more money each year. Setup monthly investments and you dont even have to log in. It really isn't complicated so dont make it so. Forget all this pies and nonsense like that.
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Ok I will take a look. Thanks the main aim is to raise money to help pay off mortgage . Along with mortgage overpayments
 
200sols said:
Just buy VWRP and don't look at it for 5-10 years except to add more money each year. Setup monthly investments and you dont even have to log in. It really isn't complicated so dont make it so. Forget all this pies and nonsense like that.
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I think to set up auto investment on T212, you need to put the stock in a pie. Pies are great but do add to the choice anxiety and confusion
 
200sols said:
Really. Just a layer of unnecessary complications.
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It has its uses... I don't use a pie as I've just got 2 ETFs which are essentially pre made pies already.. So I add money to whichever one I decide.

Edit.. The biggest problem with them is any Tom dick or Harry can create a pie full of dross, give it a snappy name like 'mega tech cash generator' and share it as a recommendation.. So beware of copying pies created by other people!

If you've got a bunch of individual stocks and ETFs though it helps keep things organised for rebalancing, and organization... For example you could have a tech stocks pie, a pharmaceuticals pie or whatever
 
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T212 stocks and shares ISA.

My pie is Vanguard S&P500 (70%) and Vanguard FTSE All World (30%).

Auto-invest setup monthly - job done. Was really easy to setup and configure, now I just let it tick away and rarely stress about the short term fluctuations.
 
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Damien. said:
T212 stocks and shares ISA.

My pie is Vanguard S&P500 (70%) and Vanguard FTSE All World (30%).

Auto-invest setup monthly - job done. Was really easy to setup and configure, now I just let it tick away and rarely stress about the short term fluctuations.
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I'm in a very similar setup, except I have 60% All World and 40% S&P500
 
I am trying to transfer some of my cash ISA in Chip to Trading 212 and put on a S&S ISA. But seems CHip only allows full transfers for the current/previouse tax years.
Does this mean all 20K that I have in my CHip for this year gets transferred to Trading 212?
 
Avathar77 said:
I am trying to transfer some of my cash ISA in Chip to Trading 212 and put on a S&S ISA. But seems CHip only allows full transfers for the current/previouse tax years.
Does this mean all 20K that I have in my CHip for this year gets transferred to Trading 212?
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Yes, you also won't be able to have a Chip ISA (possibly any account but I think it's just ISA) again in the future.
 
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