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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To sack my pension advisor

29 replies

Cleo5mum · 08/03/2026 09:48

I have a SIPP that was set up a few years ago on the HubWise platform. I realised that I was not getting any value for money from the pension advisor (who advised me to set this up) so told him that I no longer want to use his services. Reasons being that somehow he is not doing what I originally asked for (advice on choosing funds for workplace pension) and somehow I have ended up with this new product which pays him a decent amount for doing next to nothing

He tells me that the product on HubWise can only be kept WITH an advisor. I want to manage it myself
for a few years and save costs but apparently it’s not that easy.
Has anyone else been in that position? What should I do? I suppose I have to move it to a new platform. It’s not even that much it’s about £60k. can anyone recommend a good platform to move to with low fees. Thanks!

OP posts:
Wallywobbles · 24/07/2026 05:45

Is the rebel finance school only for uk or would it work for Europe too?

Sarahsduck · 24/07/2026 05:55

Freetrade have low costs and you can select some vanguad LifeStrategy products or hsbc global trackers. Fees are low and the app is good.

KatiePricesKnickers · 24/07/2026 06:01

Wallywobbles · 24/07/2026 05:45

Is the rebel finance school only for uk or would it work for Europe too?

They talk about strategy, so it’s relevant worldwide.
As someone else mentioned, global trackers reduce the risk, and the invest and forget strategy is put everything in a global (low cost) tracker like WEBN (has different names in different countries). WEBN costs 0.07%, you want your charges to be no higher than 0.2% for a tracker.
There is so much information out there. Reddit has a lot of good subreddits like fireuk.

There are also good managed funds, take a look at Fundsmith and read their literature.

You need to remember, out performing the market is near impossible on a yearly basis, which is why people ‘buy the market’ by buying a cheap global tracker.

thecomedyofterrors · 24/07/2026 18:17

Wallywobbles · 24/07/2026 05:45

Is the rebel finance school only for uk or would it work for Europe too?

It’s got a worldwide following now. The principle is the same everywhere.

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