RE: When to invest11 Apr 2021 10:48
ChrisB,
I agree with SpadeAS and find your approach to AIM shares in SIPPs odd.
- are you letting the tax tail wag the investment dog?
The next generation will thank you for an untouched SIPP if you manage to croak it before age 75.
In the interim I will continue to try and avoid dying, utilise the advantages of ISAs and SIPP contributions offsetting current tax liabilities in a balanced portfolio, safe in the knowledge that at some point in the next few decades I will inevitably wish I'd done the mix differently. Whilst grateful that I'm even in the position to have to consider CGT, ISA and SIPP investment limits and the implications of the SIPP lifetime allowance.
I'm ludicrously lucky. A lot of people wonder when they will be able to have a spare tin of beans in the cupboard.