Thank you for all the replies, I know the real basics and have some common sense 😉 but the whole mechanics of it is a little confusing.
Firstly I live in Sweden so it makes it a little more complicated as tax breaks are different etc. I guess I could move some money over to my UK account but as it costs every time money is transferred and depends on the exchange rate then maybe it isn’t so viable!? I guess I need an expert who knows English vs Swedish finance :?.
We have no loans and only a small mortgage, one of the lucky ones I guess through hard work and luck with the UK housing market, we bought low and sold at the peak. Lived in a flat for 3.5 years and now bought a house in Sweden during the low-ish period. Smart with money, no eating out or cocaine habit to support etc 😆
My wife already has some stock shares that her dad invested for her about 20years ago and that continues to grow nicely, so she already has a pension fund up and running. I don’t, I had to cash in my pension when I left the UK and I’m not currently putting anything away here.
Our bank here has offered their service of some sort of tracking fund, but I don’t want to jump in without knowing more about it. We’re currently saving £250 a month and I’m looking at an investment period of 18 years for a Uni type fund, and 27 years for my pension.
If I can do some more research first then I think it will help me go talk to the bank again or another adviser perhaps.