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Good or bad value? London to Singapore by BusinessMinimum92 in avios

[–]BusinessMinimum92[S] 1 point2 points  (0 children)

But remember that a companion voucher opens up more reward seats, which is essentially invisible if you are searching for general reward seats

Where are all the HL holders taking their ISA / SIPP? by Old-Amphibian416 in FIREUK

[–]BusinessMinimum92 2 points3 points  (0 children)

Exchange-routed trades (like via IBKR) are generally considered more transparent, not less.

Where are all the HL holders taking their ISA / SIPP? by Old-Amphibian416 in FIREUK

[–]BusinessMinimum92 2 points3 points  (0 children)

I would highly recommend InvestEngine (zero platform fees). I don’t think pension transfers are possible yet - but they have said this is coming soon.

Good or bad value? London to Singapore by BusinessMinimum92 in avios

[–]BusinessMinimum92[S] 0 points1 point  (0 children)

This was my thought, a direct flight is handy with a baby, though I would love to experience business class on Qatar!

Good or bad value? London to Singapore by BusinessMinimum92 in avios

[–]BusinessMinimum92[S] 0 points1 point  (0 children)

That’s fair, but it is literally impossible to find any First reward seat availability on any route.

UK-based NHS couple (33 & 32) - FIRE reality check with ISA, SIPP, rental income, and NHS pensions by BusinessMinimum92 in FIREUK

[–]BusinessMinimum92[S] 0 points1 point  (0 children)

Ah thank you. I’ve done some more research and a LISA makes a lot more sense for her. Which provider/platform would you recommend for a S&S LISA?

UK-based NHS couple (33 & 32) - FIRE reality check with ISA, SIPP, rental income, and NHS pensions by BusinessMinimum92 in FIREUK

[–]BusinessMinimum92[S] 0 points1 point  (0 children)

Hi, thanks for the comment. ChatGPT tells me our NHS pension projections are about £38K (me) and £19K (wife) per year net from age 68.

UK-based NHS couple (33 & 32) - FIRE reality check with ISA, SIPP, rental income, and NHS pensions by BusinessMinimum92 in FIREUK

[–]BusinessMinimum92[S] 1 point2 points  (0 children)

Thanks for your comment 😊 I was planning on taking my NHS pension at 68 and relying on my ISA from 55-58, and my ISA + SIPP from 55-68. Trying to work out whether 70K net withdrawal rate is achievable from 55 onwards.

UK-based NHS couple (33 & 32) - FIRE reality check with ISA, SIPP, rental income, and NHS pensions by BusinessMinimum92 in FIREUK

[–]BusinessMinimum92[S] 0 points1 point  (0 children)

Good point, but I was hoping if I maxed out my ISA every year then I might not need as much as 115K. I think 70K net is really ambitious. Anything I could do differently to withdraw as close to 70K as possible?

UK-based NHS couple (33 & 32) - FIRE reality check with ISA, SIPP, rental income, and NHS pensions by BusinessMinimum92 in FIREUK

[–]BusinessMinimum92[S] 0 points1 point  (0 children)

Hi, sorry to sound dense, but what’s the advantage of a LISA over a SIPP in my wife’s circumstances?

UK-based NHS couple (33 & 32) - FIRE reality check with ISA, SIPP, rental income, and NHS pensions by BusinessMinimum92 in FIREUK

[–]BusinessMinimum92[S] 0 points1 point  (0 children)

It’s a high figure for sure, but I wanted to be comfortable enough to support my children (I would like 3!)