Talk to me about ready-made SIPP portfolios

[Salted_Peanut]

As per the title, talk to me about ready-made portfolios for SIPPs. I'm all ears

[supersport]

They/are ready made and you just need to add money

[tapandunwrap]

Watching this thread - plan to go with Vanguard, but haven't selected what to go into yet.

[Salted_Peanut]

Why is it so hard to ascertain and compare the average annual charges for these SIPPs?

• Hargreaves Lansdown makes the fees clear for its Portfolio+ SIPP, with an average annual charge of 2.08% (including a 0.45% management charge, 1.41% for the fund manager’s ongoing charge, and typical transaction costs).
• Interactive Investor has a Low-cost Growth fund for a SIPP, citing a weighted average annual charge of 0.31% (including 0.18% for the ongoing charge). In addition, Interactive Investor charges a monthly Service Plan fee and a separate SIPP fee (totalling £20 a month).
• Vanguard Lifestrategy 60% Equity Fund gives its annual management charge (0.22%). But what about the other costs?

@tapandunwrap: do you know all the charges for Vanguard? They are probably on the website, and I've missed them

[chip*]

Google "Vanguard fund cost", second link...

https://www.vanguardinvestor.co.uk/content/documen...

[tapandunwrap]

I think it's 0.15% capped at £375 + the individual fund fees.

[Mr Pointy]

Salted_Peanut said:

Why is it so hard to ascertain and compare the average annual charges for these SIPPs?

• Hargreaves Lansdown makes the fees clear for its Portfolio+ SIPP, with an average annual charge of 2.08% (including a 0.45% management charge, 1.41% for the fund manager’s ongoing charge, and typical transaction costs).
• Interactive Investor has a Low-cost Growth fund for a SIPP, citing a weighted average annual charge of 0.31% (including 0.18% for the ongoing charge). In addition, Interactive Investor charges a monthly Service Plan fee and a separate SIPP fee (totalling £20 a month).
• Vanguard Lifestrategy 60% Equity Fund gives its annual management charge (0.22%). But what about the other costs?

@tapandunwrap: do you know all the charges for Vanguard? They are probably on the website, and I've missed them

Look at the Fees & Charges page:
https://www.vanguardinvestor.co.uk/what-we-offer/f...

This pdf lists all of the fund charges:
https://www.vanguardinvestor.co.uk/content/documen...

[Salted_Peanut]

Thanks, guys