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  • To get over inertia I made a plan like

    • year 1 do something that's better than nothing
    • year 2 diversify
    • year 3 optimise

    takes the pressure off you to get it right first time

  • Hah. Yeah.

    Look. I'm not an IFA, you might get different advice elsewhere, but if you work through a LTD then something like

    • open off the shelf pension with a well known provider
    • pay in a reasonable sum from your ltd each month (might take time to set up)
    • pay a small sum from your personal income each month

    would be a great and easy start, mostly because of the tax benefit, rather than the performance of the pension. You can always transfer the pension elsewhere if you aren't happy with it in year two.

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