What to do with £75k?

Just looked at T212 - i had an account a few years ago.

Searched Vanguard FTSE All World and there's loads of results - which is the one i want?
 
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200sols said:
Vanguard has a minimum fee as I said, as they were talking ISAs vanguard is a lot more expensive, there is no contest.
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Nah, there's very little in it. £3, to be exact. That's unlikely to change much over the 6-7 years of growth on his 20k investment, either.
 
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200sols said:
£3 is the minimum saving, the maximum saving is £330...

The Vanguard minimum fee is higher than the HL maximum fee for ETFs in ISAs. Not hard to understand.
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He is looking for somewhere to put 20k for 6-7 years, so the maximum potential saving isn't really relevant.
 
D.P. said:
My wife has terminal cancer..Sure i wish we could have travelled the world and spent every penny living life to the max, but I am also very glad that we have savings.

You have to find the balance between enjoying life and taking sufficient precautions in case of bad times.
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Or maybe sell everything and go off traveling for years living life to the max. Come back with nothing, get into a council house and claim your state pension.
 
Coming here a little late, but consider what debts you have and the interest on those debts.

Your initial approach seems sensible, but if you have a car loan (including PCP) or a crazy mortgage rate, you may be better off paying them off. Interest saved is interest gained in my mind.

I can vouch for Vangaurd, it's easy to use and they keep you well informed. My S&S ISA has done 22% since March 25, I'm not getting too excited as the AI bubble will pop at some point..

Edit: Oh! Also consider the Lifetime ISA, it's a free £1,000 but comes with some restrictions on when you can get the money out.
 
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ive got a cash isa with trading 212 - i guess i can simply transfer to a S&S isa and then choose some funds?
Im not getting a lot of interest at the moment .
 
aardvark said:
ive got a cash isa with trading 212 - i guess i can simply transfer to a S&S isa and then choose some funds?
Im not getting a lot of interest at the moment .
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You can't transfer across ISA types. Only cash to cash, S&S to S&S.

Yes, you can.
 
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Can someone clarify or correct me on the following?

I believe there are certain Vanguard portfolios that aren't available on T212? A few months ago I was looking for something like FTSE All World Developed excl. UK but I don't think I could find it on there. Either I couldn't find it, or it's not on there for some reason.
 
Mekrel said:
Either I couldn't find it, or it's not on there for some reason.
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Its an OEIC, a different type of fund that T212 dont offer. They only offer ETFs. VHVG has almost identical performance anyway.
 
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Mekrel said:
Can someone clarify or correct me on the following?

I believe there are certain Vanguard portfolios that aren't available on T212? A few months ago I was looking for something like FTSE All World Developed excl. UK but I don't think I could find it on there. Either I couldn't find it, or it's not on there for some reason.
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Certain funds ain’t available on certain platforms… oddly enough there’s certain vanguard funds that ain’t available on the uk vanguard platform but are on 3rd parties and vanguard sites from other countries.

Also manage funds ratios are different per country… they are more biased to the home country.

The devil I in the detail… heck I saw that Barclays used MSCI all world fund… and when I looked at the details, it’s actually just the developed world!
 
It is confusing, because different providers have different transfer rules of their own.

I've had some where they require a full balance transfer, where others will allow you to transfer a fixed amount.
 
Zowghi said:
It is confusing, because different providers have different transfer rules of their own.

I've had some where they require a full balance transfer, where others will allow you to transfer a fixed amount.
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If you are doing this years ISA allowance, it's normally the full balance transfer for the year.
If you are doing a prevous years allowance, you can select the amount..

it's gets complicated with so called flexible accounts.
 
ivrytwr3 said:
Hypothetical, you have come into £75k, but actually want to be sensible with it! You don't need the cash for another 7 years.

I was thinking:

£20K into own S&S ISA and same again into wife's.
£20k into Premium Bonds.
£10k family holiday.
£5k emergency fund.

What S&S ISA though? I read you guys talking about Vanguard, but no idea about this sort of stuff :)
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Premium bonds? Get out of here. £40k into S&S ISA (split it obviously over this year and next)
Number one focus should be U.S stocks, via a tracker fund or index ETF (like VUAG - the ticker). Difficult to bet again the best economy in the world, longer term.
Cut the family holiday to £5k. Assuming it's inheritance it's still someone's hard earned savings.
 
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DarrenM343 said:
Premium bonds? Get out of here. £40k into S&S ISA (split it obviously over this year and next)
Number one focus should be U.S stocks, via a tracker fund or index ETF (like VUAG - the ticker). Difficult to bet again the best economy in the world, longer term.
Cut the family holiday to £5k. Assuming it's inheritance it's still someone's hard earned savings.
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He’s inheriting it from the taxpayer and hasn’t saved a penny of it, if that helps :D
 
robj20 said:
Not looking hard enough, £700 each for 14 nights half board in north Cyprus (Turkey)
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Just back from North Cyprus a couple of weeks ago, spent 7 nights all inclusive at Concorde Luxury Resort and thoroughly enjoyed it.
 
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