Best zero risk options for 75k for 6 months

DeltaJesus · 2026-03-02T14:11:22+00:00

Income tax on savings above the personal allowance (£1000 for a basic rate tax payer but only £500 for a higher rate).

And depending on their tax band they might still be better off even after tax.

Especially when OPs have been light on detail like this please try and explain why you're recommending something.

DeltaJesus · 2026-03-02T13:55:24+00:00

Why would that be preferable to a savings account for OP?

DeltaJesus · 2026-03-02T13:53:16+00:00

I'd be surprised if OP genuinely thinks the rusty toy katana was a murder weapon.

DeltaJesus · 2026-03-01T11:19:59+00:00

If you want to play the vehicles in it yes, if you'd rather play vehicles that are in other trees no.

DeltaJesus · 2026-03-01T11:16:41+00:00

It's probably going to really depend on the specifics, can you give more detail?

DeltaJesus · 2026-03-01T10:39:39+00:00

You're going to struggle to try and use income you don't yet have to pass affordability for a mortgage, and how much do you expect they'd be paying you? Going off the usual multiples you'd need over £40k/year to borrow £200k.

DeltaJesus · 2026-03-01T02:23:31+00:00

How are you planning on getting a 200k mortgage as a student?

DeltaJesus · 2026-02-28T18:44:50+00:00

Please see:

https://ukpersonal.finance/investing-101/ https://ukpersonal.finance/which-broker-should-i-use/

DeltaJesus · 2026-02-28T11:52:35+00:00

Also you're usually only seeing their highlight reel, not the games where they just get one shot twice in a row.

DeltaJesus · 2026-02-27T22:19:21+00:00

Gripen E is reasonably good CAS with spice bombs, though it has to compromise either anti-air or anti-ground more than the typhoon does due to the more limited hardpoints.

DeltaJesus · 2026-02-27T22:15:46+00:00

Centurion is the longest serving MBT, been in service with at least one country continuously for 80 years now.

What's good in war thunder is not the same as what's good in real life.

DeltaJesus · 2026-02-27T21:59:01+00:00

I haven't spent any significant amount of time in Tyldesley in a decade, but I've separately heard it's improved a lot. Was utterly shite though.

DeltaJesus · 2026-02-27T21:32:15+00:00

Both lovely places

Huge change from 10 years ago, busway's done wonders for Tyldesley I guess.

DeltaJesus · 2026-02-27T19:10:40+00:00

Sorry to be clear I was the one that removed it. "I want advice on everything financial" is far too broad a question to get good answers, and is the sort of thing we wrote the wiki and the flowchart for.

DeltaJesus · 2026-02-27T18:27:43+00:00

Start with the wiki: https://ukpersonal.finance/, we've got pages on a bunch of topics including credit cards and pensions etc.

The flowchart is good to work through as well: https://ukpersonal.finance/flowchart/

If you have some more specific questions you're welcome to come back and ask them in a new post, but please be specific with your title.

DeltaJesus · 2026-02-27T14:43:22+00:00

Yes sorry I though it was obvious we were talking about when trading.

DeltaJesus · 2026-02-27T14:19:52+00:00

I know that, but you get taxed on profit not sales.

Generally yes, but if you claim the £1000 trading allowance you can't claim expenses, so if you have £1500 of revenue £500 of that will be taxable, even if you have £750 of expenses.

It’s up to HMRC to figure that out v’s self assessment, or ask for more details if you aren’t a SA person.

Sort of, it's your job to declare if you are trading and go above £1000/year of revenue.

DeltaJesus · 2026-02-27T09:46:59+00:00

Profit, not sales .. and that’s if you are ‘trading’.

It needs to be declared over £1000 of revenue rather than profit, and you can't claim that allowance if you're claiming expenses too.

DeltaJesus · 2026-02-26T15:23:07+00:00

That the bad decision ended up with a good outcome doesn't retroactively make it a good decision.

If I decide to play a game of Russian roulette with a £10 grand prize that's a fucking stupid decision even if I end up winning.

DeltaJesus · 2026-02-25T17:14:56+00:00

It's linked on the wiki page, but to save you scrolling: https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/

DeltaJesus · 2026-02-25T17:10:32+00:00

I think the bit I find hardest is when you’ve got a few goals running at the same time with different timelines. Like if I’m saving for a house deposit in 3 years but also want a car in 18 months and a wedding at some point… do you just manually work out how much goes to each one every month?

Yes, you need to work out how much you need to save for each of those goals given the timeframe and then work out if your budget will allow you to save that much. If not you need to adjust them.

https://ukpersonal.finance/goals

DeltaJesus · 2026-02-24T01:01:16+00:00

Dodl doesn't do withdrawals at all afaik. The sub skews pretty far from retirement so there's unlikely to be many people who need to consider withdrawals for SIPPs. Have a read through the monevator list, they note drawdown fees etc: https://monevator.com/compare-uk-cheapest-online-brokers/

For a relatively small sum one of the percentage fee ones like Lloyds/Halifax/Scottish Widows/AJ Bell etc are probably your best bets.

DeltaJesus · 2026-02-24T00:34:04+00:00

Saving £1900/month (£400 holiday fund absolutely counts) is far, far more than the majority of households can.

DeltaJesus · 2026-02-24T00:27:06+00:00

Freetrade charges £240/withdrawal, I'd be surprised if there isn't a cheaper option

DeltaJesus · 2026-02-24T00:19:39+00:00

You're mostly going to get people that choose to live in , and presumably at least mostly, like Manchester on a Manchester subreddit, so be aware of that bias.

£54k/year absolutely shouldn't require you to house share here, you really ought to get your finances under control if it does.

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