What I am doing at the moment on my T212 ISA is leaving the new cash uninvested to get the 5.2% interest on it, plus the 1% cashback. It’s a bit of a hedge on the uncertainty of stocks currently.

He wants a med port for his ships too.

That Channel 4 interview should be how all bulls&&&&ing  Ministers are handled.

The whole narrative of “No Space” is hilarious. I fly over the country every day, and even the SE is barely touched. 70% of uk land is “Utilused Agricultural Area” but only 30% of that is actual crops. Most of it is just massive private estates you can’t access or see. If we actively managed our building programme instead of leaving it in the hands of a few companies massive land banks it would be a start.

We certainly don’t have enough infrastructure or services, but that isn’t the fault of immigrants.

What we need is sensible migration laws and to actually police the illegal migration that is just criminal extortion of vulnerable people. Stop the Boats is a valid objective, both for the country and the trafficed people. Sadly it isn’t what we are actually doing.

LBC host Ian Dale just pulled out as Conservative candidate for Tunbridge Wells, after footage emerged of him saying his much he hated the place………..

Panic candidate selection is going to mean lots of this…….

In my experience Navy officers have little handle on anything other than their own importance…….

I’ll take Route E thanks, even further right than D. Lucky I carry extra fuel to do this.

There’s 3 types of turbulence.

Convective turbulence – thunderstorms, massive up/downdrafts . Detectable with weather radar and avoidable.

Clear Air Turbulence – normally associated with Jetstreams. Big changes in wind speed/direction. Predictable but not detectable. Pilots report when it’s bad. Changing levels can avoid it.

Wake Turbulence – the vortices produced by the wings of jets flying along. Predictable and mainly avoidable.

I don’t know whether it was Clear Air turbulence or they flew through a thunderstorm.

I’ve got wide feet and have about 4 pairs from Fitville.

As of this FY, you can now open more than 1 ISA as long as you don’t exceed the overall allowance for new money invested.

European airports as a Brit have got a lot worse post brexit. We get lumped in the non-Schengen area past passport control that usually has a vending machine and not much else.

Amsterdam and the Scandi airports use a one space model for departing and arriving traffic, meaning access to everything for everyone. Very nice.

JFK and ORD in the states are just 30 years out of date and massively lacking in space and infrastructure.

Italian airports are all a mess. Apart from Venice which flows really well.

Give me a small airport over a transfer monster any day.

Not all reform voters are ex Tory, there are definitely some labour too.

I also think that in the local elections, independents do hugely well over local/single issues. Labour no doubt lost vote over Gaza. Will that be the same in the GE?

Vanguard is a funny one, in that it is both a platform, and a provider of funds. The platform fee is for managing the account. The fund fees are charged by the fund provider for running the fund.

My vanguard lifestyle 100 fund has a fund fee of 0.22%/yr. If I hold it on Csnguards platform, they will charge me another 0.15% for the privilege, so 0.37% in total.

T212 and InvestEngine don’t do that, so just the 0.22% total charge.

They are pretty decent at the moment with high interest rates,  the Fed announcement yesterday will keep that going for a while yet.

Fund choice will be limited by platform. In my T212 ISA I use Lyxor Smart overnight return, CSH2. In my Work pension with Aviva I use the Blackrock Sterling Liquidity fund. Both yielding about 5.4% at the moment.

I would look for an accumulation fund so any interest gets automatically reinvested in the fund, and make sure it is a £ sterling fund rather than €/$ so you don’t pay ForEx fees.

I’m an Ioniq5 driver and love it, but the economy is dreadful. Luckily it still has plenty of range and my IO electricity means cheap charging 99% of the time.

I think thatInvesco MSCI tracker is one of the cheapest global trackers out there, so often recommended.

This is the breakdown of my lifestyle 100 fund. I might be wrong on VWRP as I cant find similar for that.

Look on Vanguard website for the VWRP factsheet. It will tell you what funds it holds within it. Buy Those.

Edit: trying to find it for you.

I dont use InvestEngine but I’m sure it does similar to T212, which will rebalance with the click of a button.

Just for Background, VWRP is the fully global fund that Vanguard provide, including Emerging markets. it is a fund of lots of Vanguard tracker funds, in a certain percentage.

It is possible to “Create” your own VWRP with lesser fees by just buying the different individual vanguard funds in the right percentage. Vanguard charge a premium for doing that for you.

Most importantly, don’t sell it when it drops. That’s just baking in the loss. Equities are volatile, funds that return 10%/yr don’t do it every year, it’s an average.

Work out a sensible strategy and stick with it.

Juanking – both those funds are pretty decent global trackers. I hold the lifestyle 100 and offset the uk weighting by another global ex-uk tracker.

T212 has a CFD arm which is where it makes money.

InvestEngine is making a loss in return for market share in its early years. No doubt charges will rise.

I suppose my family should be Tory voters. Both high earning professionals, house owning, decent savings and pensions.

My wife’s father is a lifelong Tory, working low level in the city, with a burnt in distrust of labour from the Militant Tendency days. He hated Boris, hates the current government. But will still vote blue in the election.

We are probably both what is considered woke – proudly so too – and will both be voting labour, because the perfect party doesn’t exist and anybody is better than this lot.

Back to the original question…….

I’m lucky my workplace pension (Aviva) has a SIPP option with a much bigger choice of funds than the standard workplace scheme. Because we have 40,000+ employees, our platform charge is low at 0.1%, and some funds get big discounts too, so my US fund costs a total AMC of 0.1% . I’m approaching my last 10 years and feel that tradeable bond funds are just too volatile, so will be transferring 25% to II for individual bonds and gilts. I think I’ll probably use II for my drawdown too, unless something better has come along by then.

My mortgage pays off in 10 years so that money will be redirected into the ISA with T212.

My S&S ISa is a new thing for me, with only £2k in it. That’s nowhere near enough money to make Interactive Investors flatfee worthwhile, hence using T212 for that. We did transfer my wife’s previous workplace pension there though, as that’s all just leave alone & hold and the flat fee is a very good deal at her pot level.

I am considering a partial transfer out of my pension to II, as they are one of the few platforms with direct access to Bonds and Gilts, rather than the more volatile funds.

SIPP fees across all platforms tend to be higher than ISAs.

Labour never fights on a level playing field – the press is stacked against them. Run an ideologically socialist campaign and you get destroyed.

I think for a while the one nation tories thought they had a chance to regain control of their party, but that glimmer has been snuffed.

Let’s differentiate between platform company and fund company. I hold “buy and forget “ Vanguard trackers on trading 212, without paying Vanguard the 0.15% platform fee.

Krypton – yes, the 20k limit is only on new money invested. You can transfer other ISAs unlimited.

I use Trading 212 for my isa now. No platform fees and Forex rates very good.

In Aviation, the amazing post brexit agreement allows EU licensed pilots to work in the uk, without reciprocal agreements for UK pilots. The airlines lobbied for it as it gives them leverage to squeeze uk pilot wages. It’s even worse than just isolationism.

I imagine he would say that Horners behaviour and antics has led to constructive dismissal and the gardening leave no longer applies.

Erm – isn’t he under a gag order??

Just 1 launcher, a very small part of 1 system, the rest of which is still operational.

Tell a 40 y/o with no pension savings how much they will need to pay in, then tell them what that would be if they started small in their 20s……….

Look very closely at fee structures on SIPPs. She likely has a small amount so the fixed fee ones are worse for her. Who has the lowest % fees? Vanguard is probably close.

We have recently switched to Starling bank. You can set up as many “spaces” as you want within your account, putting money where you like, and each space can have a virtual card so that you spend what you have allocated to each area. I was sceptical but it works really well.

I still think it’s a dreadful fund!! Over that period my main vanilla global tracker has grown 80%