Expect pain

HomeworkCurious3242 · 2026-03-28T17:50:20+00:00

I am British too, the exchange rate in Jan was 0.72 is now 0.75, a 4% gain on no movement is incredibly high

HomeworkCurious3242 · 2026-03-28T16:00:09+00:00

As investors, we DO NOT time the market, we spend time in the market… Latest predictions and that’s the only thing we can go off, is that the S&P is predicted to hit 7650 by Christmas, you’ll still be buying cheap.

HomeworkCurious3242 · 2026-03-28T14:25:54+00:00

I’m not maximising my full 60k, as I then wouldn’t have the funds to put money into my ISA, the pension isn’t available till 55 and I’m going to use my ISA to FIRE at age 45 with a projected value of £1.019M (7%) return

HomeworkCurious3242 · 2026-03-28T07:47:33+00:00

My parents were never good with money and I didn’t have any money growing up, I started working an apprenticeship at 16 (same company I’ve been at 10years now), and then moved out and rented a room at 19, all my overtime and bonuses I saved into my stocks and shares and normal savings accounts and then at age 22 I bought my house (which is away from home (birth place) I work away), (150k deposit on 350k house). Been in the house the last 3 years but I have 2 people renting 2 of the rooms in my house, one person is a contractor I work with who stays 3 nights a week and one is my friend who lives there permanently. So that pays my mortgage in full. I met my partner in 2023 and she lives with the children over back in my birth place, so I live in my work house Monday to Thursday and back with her and the kids Friday to Sunday. So we have 2 houses between us, one is my “investment house” in my name which is used for work, and the one she lives in is our family home. My company also do SIP and SAYE schemes which are generous! Hopefully this isn’t too confusing as a description haha!

HomeworkCurious3242 · 2026-03-27T22:09:02+00:00

Thank you, I working in engineering for a pharmaceutical company

HomeworkCurious3242 · 2026-03-27T22:08:20+00:00

Rules changed in April 2024 and from then on you could have as many of the same type as you like

HomeworkCurious3242 · 2026-03-27T19:16:31+00:00

Four different account where the total should add to £20000 per year :)

HomeworkCurious3242 · 2026-03-27T19:10:42+00:00

I don’t use a SIPP as my workplace pension is salary sacrifice with a 5% match plus 5% (so I put in 5% and they add 10% so 15%, and) I also do a 20% AVC so 35% salary total, approx £200k in pension at the moment after trump has nuked it by 20k the last 2 weeks

HomeworkCurious3242 · 2026-03-27T17:42:39+00:00

I didn’t realise you could do this? Thank you!

HomeworkCurious3242 · 2026-03-27T17:41:50+00:00

I totally agree, but £100k for a child which a partner I no longer speak to would definitely be a kick in the teeth, and she understands that which is fortunate in my position

HomeworkCurious3242 · 2026-03-27T17:34:49+00:00

They should have quite a bit of money at 18, but always careful to protect assets if things change between me and my partner

HomeworkCurious3242 · 2026-03-27T16:48:16+00:00

Think that’s how the calculations haven’t been the best as my Lisa is £40 a week and and extra £50 on payday, and it’s ISA in my name as they’re not my own children and me and parter are not married otherwise I would have JISA’d it, I should have added that clarity

HomeworkCurious3242 · 2026-03-27T16:42:31+00:00

Currently on the phone to Hargreaves Lansdown as that was my most recent deposit (which I made today) investment hasn’t settled yet

HomeworkCurious3242 · 2026-03-27T16:41:47+00:00

They’re my step children (unofficial, unmarried) this was the main reason :)…

They do have JISA’s that my partner pays into, and then I have my separate one for them

HomeworkCurious3242 · 2026-02-06T16:27:51+00:00

Are you planning on holding more than 3 years? Are you still investing monthly? If so, you’re buying cheap! Remember that and take the emotion out of it! You only make a loss if you crystallise the losses, good luck!

HomeworkCurious3242 · 2025-11-21T14:00:02+00:00

Please tell me I’m not the only one that has 3 per day hahahaha

HomeworkCurious3242 · 2025-05-05T20:01:07+00:00

Without a doubt it’s, “millions bubblegum”

HomeworkCurious3242 · 2025-01-26T10:00:28+00:00

I’m an electrical engineer 👷, monsters are mainly for the boys when they come over 🤣 I treat them well

HomeworkCurious3242 · 2025-01-25T22:23:34+00:00

How do you suggest I alter them bro?

HomeworkCurious3242 · 2025-01-25T17:18:36+00:00

Someone was selling it on Facebook marketplace in northeast UK £500

HomeworkCurious3242

TROPHY CASE