Consolidating investments and pensions
Discussion
Hello everyone, I am after a little bit of guidance if possible please.
I currently have an investment wrapper type thing with Novia, which is only operable through an advisor, and I am currently without an advisor registered on the platform. I am being charged a monthly penalty for this so need to resolve it. I have made contact with a local IFA here in town, but the annual charges for them (him) to manage it seem a little steep. So I am exploring options to forego an advisor and somehow transfer the holdings into A N Other platform or provider and go it alone.
Novia has been quite hands off for me, i agreed a split of 7 or so funds a long time ago with an IFA and each month, my cash deposit onto the platform gets divvied up as a set percentage to each fund. Is there something out there similar to this but without the need for a registered IFA?
Secondly, I have three small ish pension pots from a few different companies which need resolving (separately to the above (i think)). Is the best bet to use pension bee or similar to combine these? One of the three will continue to be my monthly company pension provider (Aviva), the other two need to be moved somewhere.
A few of you might be scratching your heads wondering if I have an ISA etc etc? I am recently back in the Country (domiciled/resident etc) so this is my first foray into UK based investment long term setup.
Thank you all - apologies for the lack of precis.
I currently have an investment wrapper type thing with Novia, which is only operable through an advisor, and I am currently without an advisor registered on the platform. I am being charged a monthly penalty for this so need to resolve it. I have made contact with a local IFA here in town, but the annual charges for them (him) to manage it seem a little steep. So I am exploring options to forego an advisor and somehow transfer the holdings into A N Other platform or provider and go it alone.
Novia has been quite hands off for me, i agreed a split of 7 or so funds a long time ago with an IFA and each month, my cash deposit onto the platform gets divvied up as a set percentage to each fund. Is there something out there similar to this but without the need for a registered IFA?
Secondly, I have three small ish pension pots from a few different companies which need resolving (separately to the above (i think)). Is the best bet to use pension bee or similar to combine these? One of the three will continue to be my monthly company pension provider (Aviva), the other two need to be moved somewhere.
A few of you might be scratching your heads wondering if I have an ISA etc etc? I am recently back in the Country (domiciled/resident etc) so this is my first foray into UK based investment long term setup.
Thank you all - apologies for the lack of precis.
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