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Stocks n Shares ISA

Ned Land said:
Do you have ADHD? I’m not being critical or judgemental but it sounds mentally tiring.

I tend to check my own portfolios every 1-3 months (I might be retiring early so I’m being more wary than usual). I check my son’s SIPP about twice a year.
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No, just like checking and seeing how the stock markets are doing.
Sing in the Roker said:
Did ya cash in at £25k 🧐
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No, I use it as a pension, it'll stay there another 15 year before I start taking anything out.
 
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REDEFinition said:
has anyone opened a junior s&s isa recently and who with?

I currently have an account with Vanguard, which had done well, but just wondering if anyone has had good experiences elsewhere?
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I open one last week for my daughter. Used Hargreaves Landsdown. They seemed the best after the little bit research I didcl
 
32nd of December said:
Not necessarily, there's a reason why Bloombergs a 24hr channel following buisness news and stocks markets 24hrs a day.

My arse never dropped a week after I started investing and Russia invaded Ukraine and I was instantly around 5k down.

Kept watching the markets daily, now this week broke +25k, will be 26k judging by today's markets.

Nothing better than checking Google finance at 3pm seeing FTSE down 0.25% CAC down 0.58% DAX down 0.3

Then checking again before I go to bed and seeing a +0.4% for the FTSE CAC up .25%, Nasdaq up 1.3%, S&P up .75%

For me it's like checking the scores at 4.30pm and seeing Sunderland are losing 1-0, Mags are winning 2-1, then checking at full time and we've won 2-1 and mags have lost 4-2.
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It can have a negative effect.

I'm with you on checking the state of the market and I usually have a fairly good idea where my pension and ISA is, as holidays and other major capital expenditure tend to be influenced by the state of my investments.

Just watch out for becoming obsessed with it all
 
Longy said:
How old will you be in 15 years mate? Is there a reason you’re not using a pension?
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I'll be comming up 65. I have a works pension but I've only been here for 4 years so only about 7k in so far, another o had from my last job only started when the government made it compulsory, so only about 17k in that.

My s&s isas i plan on using as a pension, but give me flexibility if I need money sooner rather than a private pension that I may not be able to access.
 
32nd of December said:
I'll be comming up 65. I have a works pension but I've only been here for 4 years so only about 7k in so far, another o had from my last job only started when the government made it compulsory, so only about 17k in that.

My s&s isas i plan on using as a pension, but give me flexibility if I need money sooner rather than a private pension that I may not be able to access.
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Was going to say, & I know nowt about your details, but using a pension would probably be more tax efficient, meaning more money in your pot, but it does have certain restrictions to be aware of too.
 
32nd of December said:
I'll be comming up 65. I have a works pension but I've only been here for 4 years so only about 7k in so far, another o had from my last job only started when the government made it compulsory, so only about 17k in that.

My s&s isas i plan on using as a pension, but give me flexibility if I need money sooner rather than a private pension that I may not be able to access.
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I think you can access your pension from 57 which is only 7 years away. I'd open a SIPP if I were you and hammer that (if you're not already maxing your employer pension).
 
Quick question
I'm putting £1k in my sipp and I'm getting £250 added. I thought I only got 20%, added. Should that not be £200?
 
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