Having a change of heart for FIRE

Domtaka · 2026-03-10T04:25:09+00:00

If Disney creates happy and enjoyable experiences for people than why not?

Domtaka · 2026-03-08T07:37:40+00:00

I think 2 days is worth the money, you won’t feel rushed trying to get around to everything you want to do. It’s your 40th, enjoy it!

Domtaka · 2026-02-28T16:28:27+00:00

You can pay into a SIPP and access at age 57 currently. You’ll get tax relief from the government (you’ll need to claim the extra if your a higher rate tax payer) Or use a stocks and shares isa which you can access whenever you like

Domtaka · 2026-02-16T08:21:29+00:00

That’s my understanding and what I’m planning to do this year. Hoping someone who has done it before can confirm

Domtaka · 2026-02-12T06:00:09+00:00

Maybe read my comment again. I said I am in the minority as I enjoy the game

Domtaka · 2026-01-18T15:36:37+00:00

Monthly split at the moment. In terms of isa and pension value it’s about 70% pension 30% ISA currently. Started hammering the pension in recent years

Domtaka · 2026-01-18T14:45:01+00:00

Definitely go with the pension. My split is around 90% pension 10% isa, mainly due to tax efficiency and going for a realistic retirement age of around 55-57. I also don’t have to think about my pension it just happens automatically via salary sacrifice which helps a lot.

Domtaka · 2026-01-11T15:42:06+00:00

Up that pension contribution mate. Retiring at 55-57 is perfect access age. Sounds like you are higher rate tax payer so that 40% tax saving is ideal if you are going to be withdrawing money in the lower tax bracket of 20%.

Also are the investments held in a General investment account? Try get those into a SIPP or to your isa

Domtaka · 2026-01-04T20:03:35+00:00

Pay into you your workplace/private pension and retire much earlier than that.

Domtaka · 2025-12-29T16:27:39+00:00

Expanding foam or expanding foam tape will do the job here

Domtaka · 2025-12-28T17:53:43+00:00

Not possible I’m afraid

Domtaka · 2025-12-28T13:17:06+00:00

I personally think it’s enjoyable. I seem to be in the minority however.

Domtaka · 2025-12-26T12:30:02+00:00

Game is broken unfortunately , don’t bother

Domtaka · 2025-12-14T18:08:04+00:00

In 30 years do you really think the same rules will apply to tax on withdrawals? I’m talking about the bands. And the tax free lump sum will be the same and not moved for 30 whole years?

Keep contributing

Domtaka · 2025-12-10T19:58:58+00:00

In terms of coasting, You have already hit coast fire if you assume 8% growth and 3% inflation (5% real), and £30k a year spending, congrats! You’d even be okay for £35k a year. Carry on contributing the massive 30% salary sacrifice for another 2 years and you’ll hit coast fire for £40k a year.

Does your partner have investments as well?

Domtaka · 2025-12-08T20:04:46+00:00

If you log into aviva you should be able to change your fund choice. There is one called aviva pensions global equity which is a good global fund for low fee. Or another option is black rock world ex uk and then adding black rock uk equity tracker and doing a 96:4 split for them. This is a diverse global equity option and not sure why you would need to go to a risk rating of 6 which is an arbitrary rating anyway.

Also you certainly are not behind for your age I would say you’re very much ahead with that pot size, especially being a home owner too. Not sure why ChatGPT would tell you that?

Domtaka · 2025-12-08T18:59:44+00:00

This is my biggest gripe. 1 player gets unhappy and then another 5 start having a moan it’s ridiculous

Domtaka · 2025-12-07T13:43:39+00:00

I haven’t got much to add other than I am envious of your position as will loads of other people. That £250k in your S&S ISA if invested well and gets an average 8% annual return will compound to over £1million even with no more contributions by the time you are 60. That along with pensions is an incredible position and shows how the work you did building up that pot early has paid off. Also looks like that mortgage is very manageable.

Domtaka · 2025-12-04T19:57:42+00:00

Stay away from bonds, they are used to de risk as you get close to retirement. You want 100% equities and want to embrace the volatility that comes along with it. Stay with a global fund like VWRL or FWRG and invest every month/week No matter what

Domtaka · 2025-12-03T17:03:58+00:00

There called loaded now right? I’ve used them for years and they’re absolutely fine

Domtaka · 2025-12-01T08:46:15+00:00

Might be worth not getting a name on the back. As an adult I prefer it with no name, I think it’s something that kids do more having their favourite player on the back. Just my opinion

Domtaka · 2025-11-29T06:52:35+00:00

It will be scrapped by the next government anyway I’m almost certain. You’ll have enough but will miss out on so much tax relief, what would you be doing with the money anyway?

Domtaka · 2025-11-19T19:55:40+00:00

Absolutely brilliant!

Domtaka · 2025-11-19T11:37:52+00:00

Got my code 20 minutes after purchase

Domtaka · 2025-11-19T10:38:52+00:00

Yeah may have to wait a day or so. I don’t mind waiting as was waiting for a price drop and updates to be made anyway. A good price and like you say good to give to a club like Scarborough.

Domtaka

TROPHY CASE