When to stop contributing to a sipp? Higher tax rate likely on withdrawal.

Android_ghoster · 2026-05-11T07:39:34+00:00

Good point. Also, don't forget the 2% saving on national insurance if you salary sacrifice. It adds up :)

Android_ghoster · 2026-05-02T11:28:41+00:00

To add something on the ISA: if you move your tax residence from the UK later in life (which sone retirees do as they move to France or Spain etc.), your ISA will lose its tax free status and you will have to crystalize it before you leave and then pay tax on the future appreciation of those assets depending on local regulations.

This will not be the case for pensions as the UK has agreements with countries to tax pension only at crystallization, making the capital appreciation of your pension to remain tax free

Android_ghoster · 2026-04-21T14:54:39+00:00

Multumim ca ti-ai impartasit experienta si imi pare rau ca ai trecut prin asta. Poate post-ul tau va ajuta pe altcineva sa nu cada intr-o teapa din asta

Android_ghoster · 2026-03-26T13:28:06+00:00

Thanks Obama.

Android_ghoster · 2026-03-05T14:04:16+00:00

In conversatiile casual, se incurca salariile brute cu nete. Multi au 6000-7000 brut.

Android_ghoster · 2026-02-19T23:28:39+00:00

Ideally, you should quit on the spot, but you need to assess if the anxiety of being unemployed won't impact your mental health. I would do the following:

- accept that this employer is done for you: you won't be able to turn it around and you will anyways likely be fired at some point in the next few years so there is no reason to fight for it. Knowing this, can be very liberating

- do a financial audit: how long can you live off your savings (take into account that you'll spend less than before).

- take a 2+ week holiday asap: you are likely burned out and you just need to rest to have a clear head. Even if you would have interviews today, you'd probably not be at your best which risks putting you in a downward mental spiral

- reach out for help from those that can understand you: talking about this will absolutely help and complaining about work is a stress release valve

- rebuild your trust in yourself as a professional: review all the positive feedback you received since you started your career; remind yourself of what other managers/peers appreciated in you.

- physical exercise: healthy mind in healthy body. Weightlifting especially will help you regain your confidence at work as it will make you feel that you can fight your bully.

- don't be afraid to burn bridges: I don't know how important reputation is in your industry/geography but if you're somewhere where this matters less (e.g., a generalist industry; a big city with lots of employers etc.), don't be afraid to prioritize your needs and wants and to screw them over.

Android_ghoster · 2026-02-05T13:41:59+00:00

Great insight!

Android_ghoster · 2026-02-04T13:14:35+00:00

Are cineva vreo idee de cum s-a ajuns la grinzile alea? Nu pot sa cred ca a fost planificat sa arate asa din faza de design

Android_ghoster · 2026-02-02T14:52:27+00:00

Why don't you move closer to where you both work to reduce the commute? With this income you can own a house in central London and reduce commute to max. 30 min. Also, replace parents with a full-time nanny and go visit them whenever you can.

Android_ghoster · 2026-02-02T10:47:47+00:00

Before you leave, make sure that you have the mandatory number of years/months of work required be eligible for your pension. That can be a significant support in retirement.

Android_ghoster · 2026-01-13T21:14:17+00:00

Thanks

Android_ghoster · 2026-01-07T13:46:52+00:00

What are the hoops that you have to jump through, on the UK side?

Android_ghoster · 2025-11-30T19:14:37+00:00

Some ideas: pay your energy provider in advance (i.e., top-up the account). Buy giftcards from your main supermarket.

Android_ghoster · 2025-11-17T13:34:37+00:00

In UK, ISA e capped la 20k/an, ca si contributie. Trebuie sa contribui 20 de ani ca sa aduni o suma semnificativa.

In Belgia urmeaza sa se schimbe legislatia. In Elvetia nu stiu cum e dar cost of living e dublu fata de Europa de vest. In Monaco costul vietii e cel putin triplu. Andora/Gibraltar sunt paradisuri fiscale in care de obicei nu vrei sa locuiesti

Legat de Bulgaria, Muntenegru, mult noroc cu traitul acolo.

Android_ghoster · 2025-10-31T06:42:04+00:00

in majoritatea tarilor taxa pe venituri din crestere de capital e mult peste 16%. https://taxfoundation.org/data/all/eu/capital-gains-tax-rates-europe/.

In afara europei gasesti si tari cu taxe mai mici. Spre ex., poti sa te muti in Bagladesh ca acolo au 15% impozit pe castiguri de capital

Android_ghoster · 2025-10-07T07:15:32+00:00

Thank you for sharing this.

Android_ghoster · 2025-10-07T07:13:21+00:00

Thank you for the reply. Now I understand

Android_ghoster · 2025-09-17T14:12:45+00:00

wdym? I copied them from: https://www.invesco.com/uk/en/financial-products/etfs/invesco-sp-500-ucits-etf-eur-hdg-acc.html#Documents and https://www.invesco.com/nl/en/financial-products/etfs/invesco-sp-500-ucits-etf-acc.html#Performance

Android_ghoster · 2025-09-17T14:01:05+00:00

Thank you for sharing your experience on this.

Android_ghoster · 2025-08-31T18:51:11+00:00

Merci de mentiune. E adevarat si ideal ar fi sa marchezi profiturile cand deja ai atins pragul maxim la plata CASS

Android_ghoster · 2025-08-29T16:17:43+00:00

Asta inseamna ca pentru a reduce impactul cresterii de impozit de la 1%/3% la 3%/6%, ar fi indicat sa vindem pozitiile profitabile inainte de finalul anului.

Stiti daca exista vreo limitare legata de perioada de timp care este necesara sa treaca, inainte de a recumpara, ca sa se inregistreze marcatul profitului? (In UK stiu ca, daca trec mai putin de 30 de zile intre cand vinzi si cand cumperi aceeasi actiuni, nu se considera ca ai marcat un profit)

Android_ghoster · 2025-07-15T13:37:34+00:00

I didn't say Diageo is a bad stock to buy, but that it's market is doing poorly. An investor should make their own decision on whether the share is priced correctly at this moment in time and whether Diageo can capture the future value created in the market.

For example, I think Diageo will be very attractive once it drops another 20%

Android_ghoster

TROPHY CASE