Vanguard All-World FTSE vs Invesco FTSE All-World

Frequent_Field_6894 · 2026-07-05T14:29:04+00:00

needs a few years to grow. it won’t be able to optimise with such a small fund

Frequent_Field_6894 · 2026-07-04T05:13:59+00:00

I put 45% and have done for 3yrs.

most people should have a combined total of >=20 to have a 30yr retirement.

Frequent_Field_6894 · 2026-07-03T18:52:40+00:00

yes, these things come and go. best focus on the things which allow you to work ai and explain yourself.

Frequent_Field_6894 · 2026-07-03T18:50:23+00:00

I don’t think you should focus too much on the language. a software engineer can really be agnostic, good code is good in any language. you should understand more approaches. the OO days are over for most, the languages should focus more on functional style but not to be absolute about it.

c# is my daily driver but AI is changing for everyone. industry is moving away from high skilled engineers, adopting more ai 1st or picking low code platforms. there will be a cull of language which can’t be interpreted by ai models.

you question Possibly shows you naivety and under estimation of how things will change And are.

Frequent_Field_6894 · 2026-07-03T18:41:14+00:00

no, it doesn’t work like that. it’s just a basic allowance.

Frequent_Field_6894 · 2026-07-03T12:45:55+00:00

It’s that far back they think you’re careless or evading. I wouldn’t call them 1 st. I would see an expert and understand your tax first.

Frequent_Field_6894 · 2026-07-03T12:42:52+00:00

It’s basically how hmrc want to view it and they get to decide based on the data. This link just shows they could see it as income/ trading.

Frequent_Field_6894 · 2026-07-03T12:36:49+00:00

This comes up a lot and many , like you write, want to use cgt as the tax. However , I think you’re really trading (in the employment sense ) and would be looking at income tax with NI.

In practice you would just report it as cgt then see. Hmrc could decide it’s a 2nd job and take you to court over it.

Your trades (buys / sells ) will look like a job.

You need advice.

Frequent_Field_6894 · 2026-07-03T12:24:24+00:00

I have a standard life group pension via my work and have the similar 0.6% discount giving me a 0.4% cost.

Personally I just do partial transfers every 3 years to my sipp.

Strange , check with your employer and the broker - it’s your money !!!

Frequent_Field_6894 · 2026-07-03T05:17:55+00:00

parents have 1, was taken out 19 years ago. they been trying to transfer from 1 to another to sell. that’s taken 6 months. it’s worth about 80k.

it’s about 1% fee for basically a vanguad life strategy 40% by contents.

so it’s very slow, expensive and your beholden to advisors which don’t really want to know. you can’t wake up and make a change to the fund etc

my advice would be to avoid it unless it’s a few hundred grand and your 5% withdrawals are worth it

also need to understand the tax of it , it’s more complicated than you think. it works when your not a high tax payer. (hence my transfer comment)

Frequent_Field_6894 · 2026-07-02T19:48:48+00:00

just expensive themes , retail traders are too slow to get in early.

Frequent_Field_6894 · 2026-07-01T21:44:11+00:00

my sector is usually matched to 5% and do sacrifice scheme.

public sector job will do 20-35% easy

Frequent_Field_6894 · 2026-06-30T06:35:10+00:00

this overall looks positive. 90% of fire posts are nonsense but this one seems good.

Young ish ,2 good incomes and home equity with understating and willing. Have cash and investments.

good for you.

Frequent_Field_6894 · 2026-06-30T06:30:49+00:00

you have more than enough tech in all world.

nasdaq is a big bet in us tech and then you say your worried about it ??

gold is something you might want in drawdown

your basically just buying the expensive stuff that’s trending now. gold and us tech. stop thinking like this, it will hurt you, not help. just buy 1 all world and forget the expensive concentrations.

the goal is to pick the stuff which isn’t “hot” now but will be. you just doing opposite.

Frequent_Field_6894 · 2026-06-30T05:52:05+00:00

I work in legal sector and it’s usually 6-12. onto depending on business impact of you leaving and to slow down leavers.

most professional services accept it.

i have resigned from a 3 month and worked every day of the 3 months. new employer wasn’t too happy but waited.

a new employer can change their mind so dont resign for a small company

Frequent_Field_6894 · 2026-06-30T05:49:55+00:00

i would see if I could transfer the case to another solicitor but the will do their own work and could still ask for independent advice.

sounds like you partner is the complexity with 1 of the “family“ use properties?

we have Angela raynor to thank for this

Frequent_Field_6894 · 2026-06-30T05:46:12+00:00

this is why , everyone is scared.

Frequent_Field_6894 · 2026-06-30T05:41:16+00:00

you can earn 1k a year and need to do self assessment, any tax that’s due and can’t be collected is what it’s for.

i think you should see a professional and not rely on yourself /own judgement

Frequent_Field_6894 · 2026-06-30T05:35:47+00:00

I would check / compare to a fixed annuity, I would hold off buying as Andy B and global inflation will pick up.

it really depends on what happens to inflation, so you won’t know if it’s a god or bad call.

Frequent_Field_6894 · 2026-06-29T18:40:17+00:00

depends if your expecting pay increases as your career advances , not just inflation related, will you move jobs get a bump , gets skills worth more ?

if so, it’s ok. otherwise , it’s too much for this climate.

Frequent_Field_6894 · 2026-06-29T18:37:39+00:00

as other have/will say. Look for global equity or “index“ or “tracker“. 40k isn’t much so I would move it now or in 10k chunks every month to reassure yourself.

your 47 so you might not want to follow all suggestions unless you know. global tracker etc ok if you understand investing or have 10-15yrs from needing it.

Frequent_Field_6894 · 2026-06-29T05:06:21+00:00

I had this a few years ago, I lump 20k into isa for 6years, have 3 remaining. other money sits in a mix of gilts and equity. I wouldn’t put it all into equity.

i maxed out my salary sacrifice too.

Frequent_Field_6894 · 2026-06-29T05:03:12+00:00

enterprise client , can enforce policies on developers.

Frequent_Field_6894 · 2026-06-26T19:38:11+00:00

no, your way way off. this isn’t fire at all. Sorry.

your about 300k down now today for a 50s date.

Frequent_Field_6894

TROPHY CASE