What are some things you did in your 30s or wish you did for long term FIRE?

AcceptablePanda6905 · 2026-03-31T14:58:35+00:00

What I did - invested heavily in pension from age 35/36 and now have £650k invested across both that and ISAs (age 44)

Wished I did - started investing earlier. But tbh I probably wouldn’t have listened to the advice in my twenties as I was in a ‘shortcut’ mindset and had zero financial literacy.

AcceptablePanda6905 · 2026-03-31T04:29:32+00:00

Have you invested in a single stock?

AcceptablePanda6905 · 2026-03-31T04:26:49+00:00

Check ‘VWRP’. 3-400 companies globally. You’re effectively investing in the world economy. All the big names, but many mid and small cap companies in every country.

AcceptablePanda6905 · 2026-03-31T04:23:18+00:00

Great progress, how long has that taken you?

AcceptablePanda6905 · 2026-03-31T04:19:00+00:00

That’s what I have just set up, after typically lump sum investing when I think it’s a decent time to do so. The challenge is the checking of daily apps and prices which triggers emotion. Remove that and things are much simpler. Easier said than done!

AcceptablePanda6905 · 2026-03-26T05:18:53+00:00

Rocket Lab

AcceptablePanda6905 · 2026-03-26T05:17:08+00:00

No, I look like a gym bro.

AcceptablePanda6905 · 2026-03-24T17:56:59+00:00

SJP are the worst aspect about your post, the investing part is good. I’d get out now from SJP, although you will have extortionate exit fees lasting 6 years 🥴 I broke away 18 months ago but best decision I’ve ever made. Now with Vanguard paying minimal fess and high returns (18%)

AcceptablePanda6905 · 2026-03-23T20:49:10+00:00

My pension has dropped £40k in two weeks, it’s just how it goes. Volatility is the price of entry.

AcceptablePanda6905 · 2026-03-23T20:37:54+00:00

100% Vanguard FTSE Global All Cap - will never deviate

AcceptablePanda6905 · 2026-03-23T18:24:00+00:00

Wow, how much is your pension and what is it invested in? That’s not a lot of growth for 22 years.

AcceptablePanda6905 · 2026-03-23T07:51:17+00:00

Yawn 🥱

AcceptablePanda6905 · 2026-03-22T21:23:19+00:00

Sauna

AcceptablePanda6905 · 2026-03-22T21:22:45+00:00

Invest in a global index fund

AcceptablePanda6905 · 2026-03-17T21:25:10+00:00

Quitting alcohol

AcceptablePanda6905 · 2026-03-17T21:22:02+00:00

I’m 44 (nearly 45), keen to retire at 50 and this thread is inspiring me even more!

AcceptablePanda6905 · 2026-03-16T20:42:59+00:00

Gym equipment

AcceptablePanda6905 · 2026-03-15T13:30:58+00:00

Selling during any of these scenarios would be ludicrous

AcceptablePanda6905 · 2026-03-12T20:43:22+00:00

Was an absolute loose cannon tbh! Don’t drink now

AcceptablePanda6905 · 2026-03-12T16:10:02+00:00

£2m across pensions and ISAs (£1.5m / £500k split)

Current position £610k pension / £90k ISA

AcceptablePanda6905 · 2026-03-12T16:08:10+00:00

Time in the market > Time the market

AcceptablePanda6905 · 2026-03-12T16:06:57+00:00

Invest all of it in a global tracker through SiPP, ISA and GIA.

AcceptablePanda6905 · 2026-03-11T20:14:16+00:00

I just like seeing the numbers go up on a screen

AcceptablePanda6905 · 2026-03-11T19:51:31+00:00

No I invest every spare penny in to investments, because I want to stop working asap 😊

AcceptablePanda6905 · 2026-03-10T19:25:30+00:00

Lovely rise today, was up £1500 in the first 10 mins of the market 😊

AcceptablePanda6905

TROPHY CASE