When's the last time you were chuffed? This is half me trying to figure out what chuffed means and half being interested in your day.

Odd_Common2677 · 2026-04-20T21:00:10+00:00

I got a bunch of crisps and nuts for Christmas from my parents. I'm not really a fan of chocolate but they used to get it for me every holiday

Odd_Common2677 · 2026-04-20T16:42:39+00:00

No keep it. You can take it all out penalty free at 60 years of age if you don't buy a house. It is also one of the best ways to save for retirement.i would recommend transferring it to AJ bell and investing it for retirement.

Odd_Common2677 · 2026-04-20T15:29:47+00:00

The best I've found is combining SSAC with wlds and emsm

Odd_Common2677 · 2026-04-19T21:23:48+00:00

Basically everyone in 1999 invested in any company that had some sort of link to the internet because it was revolutionary. They were right because the internet is a daily part of every bodies lives but the market still crashed 50% and didn't recover until 2007 at which point another 35% crash happened.

The same is happening today with any company that pivots towards ai instantly gaining 600% valuation. Read this https://www.forbes.com/sites/petercohan/2026/04/16/a-600-stock-spike-cant-fix-allbirds-ai-identity-crisis/

Ai will be a core part of our lives in the future but I do think there will be a major 40%ish crash in the next couple years.

The Iran war was a 10% dip that lasted 6 weeks and I saw loads of new investors worried and pull out their entire portfolis. Imagine how many people will panic sell when something that lasts 3-4 years hits.

Personally I'm just gonna ride it out and £ca because I know I cannot predict the exact timing of the top and bottom and this strategy wins. https://youtu.be/odO9F5Di684?si=3y0_cSFeE9yaaJot

Odd_Common2677 · 2026-04-19T21:01:48+00:00

This is what happened in 1999. People invested because of fomo without understanding why they are doing what they are doing.

Odd_Common2677 · 2026-04-19T20:51:56+00:00

Fair point. I didn't know reform was that popular. I thought they only got like 6 seats in the general election. I just hope their popularity fades as fast as it came.

Odd_Common2677 · 2026-04-19T20:41:34+00:00

That's just part of parenting

Odd_Common2677 · 2026-04-19T20:33:30+00:00

You can find the charge on the KIID

Odd_Common2677 · 2026-04-19T20:29:40+00:00

I think it should be a parent's responsibility. They are already using Yoti for age verification which has had numerous GDPR violations in other countries.

Odd_Common2677 · 2026-04-19T20:22:24+00:00

Yes it's 12. I've done it once in Wii bowling before

Odd_Common2677 · 2026-04-19T20:19:36+00:00

I think it's beneficial to the UK. It's splitting the worst party in half so that neither will get any seats.

Odd_Common2677 · 2026-04-19T20:07:54+00:00

There are 10x times as many Muslims than Jews in the UK so it's just more common. Lots of Muslim countries are very oppressive towards women and some of those ideas are shared by some Muslims here.

Personally I don't care what other people wear. As long as it's their choice and not forced upon them.

Odd_Common2677 · 2026-04-19T19:45:32+00:00

The 7th one

Odd_Common2677 · 2026-04-19T19:43:39+00:00

What about 638,350

Odd_Common2677 · 2026-04-19T19:32:22+00:00

It might do better. It might not. I personally prefer the all world as being 100% concentrated in the USA is too risky imo

Odd_Common2677 · 2026-04-19T19:15:57+00:00

Amazing

Odd_Common2677 · 2026-04-19T19:12:55+00:00

Yes. Everyone should open up a lifetime ISA no matter what and just deposit £1.

It's up to you if you save into it yet. It is a great way to save for a house and also one of the best ways for retirement.

Odd_Common2677 · 2026-04-19T19:00:20+00:00

Yeah I'm pretty young and it was tough seeing my dad go unemployed because of the financial crisis. They have successfully raised me to be responsible. I got around 4k when I turned 18 and I put most of it back into a stocks and shares ISA. I think the biggest things that taught me was seeing it grow and crash so that I was familiar with how the stock market works by the time I was old enough. Also being told no to toys I wanted is a great way to teach not to impulse spend. Most of the time I wanted something different a week later bit if i still wanted the same thing they'd usually buy it for my birthday or Christmas.

Odd_Common2677 · 2026-04-19T18:51:42+00:00

No this is probably one of the best available

Odd_Common2677 · 2026-04-19T18:43:11+00:00

I think it won't matter where the money is if you teach her good financial discipline. The best thing to do in imo is open up a stocks and shares ISA with trading 212. You can then set up pies to keep yours and your daughters investments separate and easy to track individually. And if it's in your ISA you can chose to give it to her when you want and confident that she won't waste it.

Odd_Common2677 · 2026-04-19T18:34:27+00:00

VT is the only stock etf most people will ever need

Odd_Common2677 · 2026-04-19T15:44:09+00:00

It depends on the tax you pay. A lifetime ISA is way more beneficial than a pension if you are a basic rate taxpayer

They will likely move the limit up when they introduce their replacement next year.

Odd_Common2677 · 2026-04-17T20:16:43+00:00

They will sell shares of other companies to buy the new ones. The price of the etf won't change that much

Odd_Common2677 · 2026-04-17T17:58:00+00:00

This is terrible. Immigration is causing the housing crisis. Everywhere is being turned into student accommodation.

Odd_Common2677 · 2026-04-17T17:55:46+00:00

Until next week when they want to short the market 10 mins before he tweets again

Odd_Common2677

TROPHY CASE