Tiller Invest Measured investing for long-term UK wealth

Tiller Invest

Measured investing for long-term UK wealth

Latest Articles

Under New Ownership: Auditing Your Investment Platform After a Takeover
Financial Planning

Under New Ownership: Auditing Your Investment Platform After a Takeover

A change of platform ownership rarely disturbs the wrapper, but it frequently resets the terms beneath it — charges, cash interest, fund access and service standards. This is a measured framework for reviewing an ISA or SIPP provider after a merger, and for deciding, in pounds rather than impressions, whether to stay, adjust or transfer.
One Paycheque, Two Exposures: Rethinking Employer Shares in a UK Portfolio
Portfolio Strategy

One Paycheque, Two Exposures: Rethinking Employer Shares in a UK Portfolio

Employer shares, SAYE options and SIP awards are often reviewed in isolation from the ISA and pension, yet they share a common source of risk with the salary that funds them. This article sets out a measured framework for treating human capital and employer stock as a single concentration exposure, with practical thresholds, vesting discipline and wrapper-aware sell-down.
Reinvested by Default: The Accumulation and Income Unit Decision Worth Making Deliberately
Portfolio Strategy

Reinvested by Default: The Accumulation and Income Unit Decision Worth Making Deliberately

Most UK fund buyers pick an income or accumulation class in seconds and never revisit it, yet the choice governs how distributions arrive, whether they are reinvested, and what records must be kept. This article compares the two classes, explains platform mechanics and tax reporting differences, and sets out a simple framework for making reinvestment a conscious decision.
A Calmer Cadence: Setting a Measured Portfolio Monitoring Calendar for UK Investors
Portfolio Strategy

A Calmer Cadence: Setting a Measured Portfolio Monitoring Calendar for UK Investors

Frictionless apps and rolling news make portfolio checking feel like diligence, but frequent observation often encourages reaction rather than review. This article sets out a measured monitoring calendar and clear action thresholds for UK investors who want to maintain a long-term portfolio without tinkering with it.
A Discount Is a Question, Not a Verdict: Appraising UK Investment Trusts
Portfolio Strategy

A Discount Is a Question, Not a Verdict: Appraising UK Investment Trusts

An investment trust trading below net asset value can look like an obvious bargain, but the gap between price and portfolio value deserves careful reading. This guide sets out a measured framework for judging when a discount is a margin of safety and when it is a warning worth investigating.
The Replacement Proposition: Appraising a Fund Merger Notice with Care
Portfolio Strategy

The Replacement Proposition: Appraising a Fund Merger Notice with Care

Fund closures and mergers arrive as administrative notices, but they are investment decisions in disguise. This guide explains how UK investors can read the paperwork, test the proposed replacement and decide whether to stay, switch or sell without creating avoidable tax or timing risks in 2026.
Between Platforms: A Prudent Framework for the ISA Transfer Gap
Financial Planning

Between Platforms: A Prudent Framework for the ISA Transfer Gap

An ISA transfer is an administrative process with an investment consequence: while platforms move paperwork, your capital may sit in cash rather than in the market. This article sets out a measured framework for understanding in-specie and cash transfers, auditing timelines and charges, and planning around the gap without turning consolidation into an accidental market-timing decision.
One Bet Wearing Many Names: Auditing Overlap in a Multi-Fund Portfolio
Portfolio Strategy

One Bet Wearing Many Names: Auditing Overlap in a Multi-Fund Portfolio

Nine funds do not necessarily mean nine independent bets. This measured guide explains how to look through UK funds, trusts and ETFs to find duplicated holdings, concealed concentration and unintended style tilts, and sets practical thresholds for deciding when overlap is harmless and when it warrants action in 2026.
Sterling's Sway: Making Currency Exposure a Conscious Portfolio Decision
Portfolio Strategy

Sterling's Sway: Making Currency Exposure a Conscious Portfolio Decision

Global funds give UK investors exposure not only to overseas companies and bonds but also to the currencies in which those assets are priced. This article sets out how sterling movements alter reported returns, how hedged and unhedged share classes differ in cost and behaviour, and how to give currency risk a deliberate place in portfolio policy.
The Old Pension Drawer: A Framework for Reviewing Scattered Workplace Pots
Financial Planning

The Old Pension Drawer: A Framework for Reviewing Scattered Workplace Pots

Old workplace pensions often accumulate quietly as careers move on, leaving UK investors with several small pots and no clear view of whether combining them is worthwhile. This article sets out a measured framework for reviewing charges, protected benefits, fund choices and transfer risks before deciding whether consolidation is sensible or whether leaving a scheme in place is the more prudent course.
Before You Prune: Making Sense of an Inherited Portfolio in 2026
Financial Planning

Before You Prune: Making Sense of an Inherited Portfolio in 2026

An inherited portfolio can arrive with as much family history as market risk. This measured guide sets out the tax and practical sequence — probate, valuations, spouse transfers and pension options — before any holding is sold or replanted.
Two Wrappers, One Plan: Locating Assets Between a SIPP and an ISA
Portfolio Strategy

Two Wrappers, One Plan: Locating Assets Between a SIPP and an ISA

Holding identical funds in an ISA and a SIPP is tidy, but it is not automatically efficient. This guide sets out a measured way to think about asset location across two wrappers, balancing tax treatment, access horizons and the behavioural cost of over-engineering.
Reading the Manager's Ledger: Co-Investment as One Signal Among Many
Portfolio Strategy

Reading the Manager's Ledger: Co-Investment as One Signal Among Many

Manager co-investment can suggest alignment, but UK disclosure is uneven and a small holding can be little more than a token. This article explains how to read ownership evidence alongside fees, process and performance without letting it dominate the decision.
Banking Setbacks, Replanting Capital: A Measured UK Guide to Loss Harvesting
Financial Planning

Banking Setbacks, Replanting Capital: A Measured UK Guide to Loss Harvesting

Realised losses can be banked and offset against gains, but the rules and the risks matter. This practical UK guide covers the 30-day rule, ISA boundaries, record-keeping and why tax should never drive the whole investment decision.
Five Checks Before Another Fund Joins the Fold
Portfolio Strategy

Five Checks Before Another Fund Joins the Fold

Adding a fund is the easy part; living with it for a decade is not. A short, practical audit for UK investors who are considering one more addition to an ISA that may already hold enough.
When the Portfolio Must Start Paying: Planning the Shift from Growth to Income
Financial Planning

When the Portfolio Must Start Paying: Planning the Shift from Growth to Income

Drawdown is often described as a yield decision. It is better understood as a transition plan — one that can be rehearsed, measured and adjusted long before the first withdrawal is needed.
Near-Cash, Not No-Risk: Sizing Short-Dated Gilts Alongside Cash in 2026
Portfolio Strategy

Near-Cash, Not No-Risk: Sizing Short-Dated Gilts Alongside Cash in 2026

Short-dated UK gilts are often described as cash-like, but the label hides real differences in price risk, tax and platform access. For investors comparing ISA cash, gilts and money market funds in 2026, a tiered near-cash framework is more useful than a simple yield comparison.
Steering by Charter: Why UK Households Need a Written Investment Policy
Financial Planning

Steering by Charter: Why UK Households Need a Written Investment Policy

A spreadsheet can tell you what your portfolio is worth, but it cannot tell you what you meant to do. A concise written investment policy gives UK households a fixed course when markets, headlines and family conversations pull in different directions.
Yield Is Not a Promise: Assessing UK Dividend Durability
Portfolio Strategy

Yield Is Not a Promise: Assessing UK Dividend Durability

A high dividend yield can signal value, but it can also signal doubt. This field guide explains how UK income investors can test durability, compare income with total return and avoid concentration in familiar names.
The Annual Portfolio Service: A Measured Review for UK Investors
Financial Planning

The Annual Portfolio Service: A Measured Review for UK Investors

A short annual review can do more for long-term outcomes than a flurry of trades. This checklist covers allocation drift, fund overlap, costs, allowances and changes in personal circumstances.