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Which tracker would you suggest for “low-to-medium” risk? For a 4 year time frame I don’t think any equities qualify.

Prob Tesla

Assuming you’re investing for the long term, either whack the lot in now or, if you prefer, invest even amounts over next few months. Any volatility due to US election will likely be noise over long term. Market usually rallies after result due to having some certainty. Time in the market beats timing the market unless you have some edge over everyone else.

With a little one on the way, one of the best things you could do would be to set them up with a Junior SIPP and/or ISA and invest it in a global equity tracker. Even if you only put a little in, the effect of compound is amazing. Fidelity are fee free for Junior products

I went through the LISA providers and did a manual comparison 18 months ago and ended up opening one with AJBell. Things may have changed since then but there aren’t so many LISA providers so a manual check isn’t too time consuming. Search the monevator broker comparison for “LISA” and they may give a steer.

https://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/h/hsbc-ftse-all-world-index-class-c-accumulation/charts

70% over 5 years……

Regarding diversification, have a look at what specific companies the global trackers are invested in before you spread your money around. You’ll see that a lot are invested in the same ones.

£115k

Ok, based on your pot size I would suggest II is the best platform and based on your age I would suggest a low cost 100% global equity tracker

Basis for fund is here: https://monevator.com/why-a-total-world-equity-index-tracker-is-the-only-index-fund-you-need/

Answer to which fund specifically is HSBC FTSE All-World Index Fund C from here: https://monevator.com/best-global-tracker-funds/

Could I ask how long you have before you want to draw a pension from this SIPP?

Yeah, Aberdeen acquired II recently

Depends on how much you have in pot and what you want to invest in.

Use the tables in here: https://monevator.com/compare-uk-cheapest-online-brokers/

Then review the SIPP rows and see comments in far right column. This will tell you best SIPP for your situation

Try to get in Where The Light Gets In. If not, Climat has been highly recommended.

My suggestion is from here, as usual:

https://monevator.com/best-global-tracker-funds/

https://www.fidelity.co.uk/factsheet-data/factsheet/GB00BMJJJF91-hsbc-ftse-all-world-index-c-acc/charges-and-key-documents

I’m looking at similar and reckon I’ll end up getting Ode 2. Not sure the Timemore 078 is worth the extra?

Correct

https://www.etsy.com/uk/listing/863744109/bespoke-titanium-bicycle-stemtop-cap?ga_order=most_relevant&ga_search_type=all&ga_view_type=gallery&ga_search_query=titanium+top+cap&ref=sc_gallery-1-1&plkey=caf0f03c2aca7091c8a8d5f38fdd71a06cc9fa7f%3A863744109

Sounds great, thanks for the tip and all the tasty coffee

Yeah, with DT Swiss you can pull off whole cassette inc free hub and move it over. Push on till it clicks and put wheel in bike.

As it’s the same hub it means the gears are sure to line up with the derailleur trim. I occasionally just have to trim one click or maybe 2 once on the road to eliminate a little clicking.

You can get the CLs for <£1k but yes not cheap. Having same hub and being able to swap cassettes quickly and tool free is key, otherwise I’d never bother.

S186500003. Certini have them

Regarding your wheels chat for Crux, I bought 2 pairs of Roval Terra CLs. One set has 40mm Challenge Strada Bianches and the other 45mm Pirelli Cinturatos. 2 mins to swap wheels, just pull cassette off and move over. Now sold my road bike and just use Crux for road and gravel.

Anyone got a SRAM Force non drive side 172.5mm GXP 11speed in good condition? Or full chainset

Haha, I’ll let her know

So much this, keep up the good work guys!

Any final intreest before this lot goes on ebay etc tomorrow?