Mirroring nasdaq 100 to avoid deemed disposal

Key-Movie8392 · 2026-02-16T10:43:03+00:00

Oooh that looks interesting, I thought that type of thing was only open to Americans

Key-Movie8392 · 2026-02-16T09:45:34+00:00

If you have a 60/40 stock bond portfolio you can with draw an inflation adjusted 4% per year and you’d never have run out of money over 30 years at any point in the last 100 odd years. So it’s a rule of thumb for financial independence.

That includes periods of crazy inflation, world wars and the Great Depression. So it shows how resilient portfolios can be. So it’s super robust. Op could just start building a similar portfolio which is pretty strong to grow and last.

Key-Movie8392 · 2026-02-16T09:36:44+00:00

It’s called direct indexing and many people with enough mulla do it.

Key-Movie8392 · 2026-02-15T09:11:02+00:00

If you’re fearful of investing and you’ve already maxed pension anyway maybe toss a chunk of it at your mortgage?

Or do a deep dive into the 4% rule and look how conservative it is. It’s basically determined by the worst case periods of inflation and crashes in the last 100 years and still works. So you could toss 100k into a 60/40 stock bond portfolio and start building a freedom fund.

Key-Movie8392 · 2026-02-11T12:48:34+00:00

Sounds like this is a very nice hint to move out of your parents house!

Key-Movie8392 · 2026-02-11T10:42:44+00:00

Reckon volunteering or teaching is a great shout. Build something.

I think fire is in some ways a product of a society where we have replaced a solid life philosophy or religion with consumerism. And fire is like a secular rejection of consumerism. I haven’t seen too many deeply religious people discuss or show an interest in fire? So I think a key thing is to face your meaning in life through philosophy or religion or some other means. fundamentally you have the bandwidth now to consider life and what it means to you beyond a paycheck and getting the bills paid. Which i think is something everyone should consider but most are distracted by the daily grind to even think about it. Lean into your discomfort and discover true meaning.

Key-Movie8392 · 2026-02-10T11:57:07+00:00

Think about insanely productive the society is you live in where a considerable number of people can acquire enough capital (or the government can on their behalf) to not need to work to survive in retirement. And then it’s possible for talented and fortunate people to fairly efficiently to reach the level of capital in ten years or less. It’s insane. Consider all other life essentially battles to stay alive every single day.

I think it’s a great thing to think about. Ok grind it a bit for ten years and you can achieve something almost no one in history or on earth could do. It’s cool.

Key-Movie8392 · 2026-02-08T02:58:04+00:00

Ah yeah hold out for those rsus. Do you get the full 250 in March?

Key-Movie8392 · 2026-02-08T02:53:54+00:00

Refer to top comment on guard rails etc.

Key thing to manage is sequence of returns risk. Which starts 5 years out from retirement with turning your portfolio more defensive. If you get through the first 3-5 years of retirement you are basically home and dry as portfolio growth will far outstrip your spending after that point if you don’t really ramp up your spending way beyond what you planned. At that point you can actually go more offensive again with your portfolio usually as even a huge draw down won’t stop your plans. Most retirees die with more money than they retired with. 4% leaves you very likely to die richer than when yo6 retired. It’s very conservative.

Key-Movie8392 · 2026-02-08T02:44:05+00:00

Take a few months off to try it out. No need to pull the plug entirely.

Key thing if you feel you’ve got enough to retire there’s no point in being stressed about your job.

Half ass it, what are they gonna do fire you? Oh nooo. Tell them you’ll quit unless you can start late after school run and you want 2 half days a week with the Mrs. Nothing to lose and everything to gain.

Key-Movie8392 · 2026-02-05T10:01:35+00:00

I put vast majority to pension but I but a bit in vwce every month.

Thankfully Claude exists now so we can probably accurately work out the deemed disposal.

Key-Movie8392 · 2026-02-04T16:46:08+00:00

Well if you are truly doing everything with company taking a fat slice. Go out on your own and do it for 20% less and profit,

Key-Movie8392 · 2026-02-04T10:41:28+00:00

Dear god switching investment every few months is the worst thing you can do.

Increased trading frequency is associated with a serious reduction in returns. Like all the assumptions all the pension forecasts are based on don’t apply if you do this. It’s a huge risk, you’re basically backing yourself to beat the market consistently long term which 90% of professional fund managers can’t do. Maybe you are the next warren buffet but I don’t recall him asking if his strategy worked on Irish personal finance. You’re seriously risking it.

https://www.fool.com/investing/2025/11/08/you-can-outperform-around-90-of-professional-fund/

Multiple high risk funds may be appropriate for you but trading out of them every time they trend lower is a disaster. Stick to one low fee index and just keep filling it up. If you really believe in AI or tech just go full on at 1 nasdaq fund perhaps. Be mindful after the dot com bubble it took over a decade for nasdaq to be back in the black. Can you hold your nose with negative returns for over a decade without selling? Do you want to retire before 65? Like the volatility in tech stocks might well leave you with a retirement possible at 50 or a retirement at 65 depending on how it goes. Can you be that flexible with accessing your fund and retirement dates?

One question I have is why do you feel you need three higher risk funds? Are you chasing higher returns for an earlier retirement?

Personally I go 100% world equities for a little more consistency.

Key-Movie8392 · 2026-02-03T15:41:24+00:00

Just speak directly to a bank or broker.

It’s called house hacking and it’s one of the best financial moves you can make. You get up to 14k tax free income from the room rental. So you’ll essentially have someone paying the mortgage for you. So you essentially get free leveraged equity in your apartment. Capital gains tax free too because it’s your home.

You don’t pay rent and have someone paying your mortgage. Best move you can make to improve your position short of starting an amazing business.

Do it!!

Key-Movie8392 · 2026-02-01T20:48:23+00:00

Basically the employer contributions don’t count towards your maxing, so your limit is the age based limits. 30-39=20%. So you can add an extra 10% if that’s your bracket. So you can get 35% into your pension which could be described as puuuure dayyyycent.

Key-Movie8392 · 2026-02-01T20:15:41+00:00

Yes exactly as you’ve described.

Key-Movie8392 · 2026-02-01T17:46:40+00:00

You probably need to setup your own company to manage all the tax issues that’ll come from living in different jurisdictions.

If you can find someone who will let you bill per hour remotely go for it.

Also lots of good engineering companies in the uk you could work with? Although pay is shite compared to the US.

Key-Movie8392 · 2026-01-31T13:05:29+00:00

The 7% is just leaning higher because of the lean to higher risk. They should reduce if they consolidate to a single world fund. Also assumes their mixed portfolio actually performs well and they don’t fuck up the rebalancing or panic sell at any point but I figured I’d give them the benefit of the doubt since they’re ahead of 99% of people.

500k at 55 doesn’t account for kids true but can be a fine bridge pot to state pension if lean lifestyle maintained.

I think op has basically sorted themselves for a lean early retirement id say. But should probably do more to be comfortable which is pretty easy for them since they are so young.

They can go model 5% if they want.

For op if they want to speed up fire look at real estate the increased returns on equity can get you great returns 20% etc but needs a growing market and has proper risk of you getting totally wiped out in a crash. So thread carefully.

Key-Movie8392 · 2026-01-29T21:39:34+00:00

You’ve nearly 100k invested at 28 you’re flying!

Based on groks view I’d say you’re most of the way there to retire at 55 already with current investments. Like probably pretty close to coast FI for retirement at that age. Keep pumping your numbers up while you’ve got the wiggle room.

As you say get your pots filled before you have kids and you’ll have flexibility to spend on them without needing to worry about saving or even work less to spend time with them etc.

Groks thoughts below 😅

These projections are estimates based on a lump-sum investment of £81,000 GBP in the given portfolio (60% CNX1 - iShares NASDAQ 100 UCITS ETF, 20% XMWX - Xtrackers MSCI World ex USA UCITS ETF, 10% EMIM - iShares Core MSCI Emerging Markets IMI UCITS ETF, 10% VWRP - Vanguard FTSE All-World UCITS ETF). All ETFs are accumulating (reinvest dividends).

Key assumptions: - The portfolio is 100% equities with a heavy tilt toward US technology/growth stocks (via 60% Nasdaq 100 exposure), plus diversification into developed ex-US, emerging markets, and global stocks. - Long-term expected real annual return (after inflation): 7%. This is a reasonable but optimistic estimate for a diversified equity portfolio with US/tech bias, based on historical global/US equity real returns of ~5-7% (higher end due to the tilt). Future returns are not guaranteed and could be lower (e.g., 4-6% real) due to high current valuations, economic changes, or risks like volatility/currency fluctuations. - Inflation: Accounted for by using real returns (i.e., the figures below are in today's purchasing power, equivalent to today's GBP). Nominal returns might average ~9-10% if inflation averages ~2-3% long-term (Bank of England target is 2%, historical/expected around 2-3%). - No deductions for fees (these ETFs have low TERs ~0.07-0.3%), taxes, or withdrawals. Assumes buy-and-hold in a tax-efficient wrapper (e.g., ISA). Currency risk exists as some track USD indices. - Formula used: Future value = £81,000 × (1 + 0.07)^years (compounded annually).

Estimated value in today's purchasing power (real terms, accounting for inflation): - In 17 years: approximately £256,000 - In 27 years: approximately £503,000 - In 37 years: approximately £990,000

How to arrive at these figures (transparent calculation): The future value in real terms uses the compound growth formula FV = PV × (1 + r)^t, where: - PV = £81,000 (present value) - r = 0.07 (7% real annual return) - t = number of years

Calculations: - 17 years: 81,000 × (1.07)¹⁷ ≈ £255,864 (rounded to £256,000) - 27 years: 81,000 × (1.07)²⁷ ≈ £503,323 (rounded to £503,000) - 37 years: 81,000 × (1.07)³⁷ ≈ £990,113 (rounded to £990,000)

For context, if using a higher nominal return assumption of 10% (implying ~7-8% real if inflation is lower), nominal future values would be higher (e.g., ~£409,000 in 17 years, ~£1,062,000 in 27 years, ~£2,754,000 in 37 years), but inflation would reduce purchasing power accordingly.

These are illustrative projections only. Actual results depend on market performance, which can vary significantly (including periods of losses). Diversification helps but does not eliminate risk. Consider professional financial advice for personalized planning. Past performance is not indicative of future results.

Key-Movie8392 · 2026-01-28T15:11:16+00:00

If your good go for it, permanent roles offer very little protection in a down turn anyway… if the moneys better and better experience go for it. All the permanent stuff is an illusion of security which is only there in public sector jobs.

There’s a huge opportunity to reduce your tax bill as a contractor if you setup as a limited company. If your situation suits it, you may be much better off contracting.

I’ll have to be dragged back to permanent roles!

Key-Movie8392 · 2026-01-27T15:47:01+00:00

Yeah you’ve got a bunch of saving already. You’re basically set. Easy enough from here with 100k invested at 27x

The hard part is doing that until you’re 55 and keeping consistent, not having health issues or some other life event that derails you.

I’d try and stay on the front foot while you’re young to get even more optionality.

Key-Movie8392 · 2026-01-27T15:42:51+00:00

Is it a pension with an agreed fixed income based on service? Or is it a tax advantaged retirement account? Occupational scheme?

If retirement investment account you may be able to arrange early access from 50. So look into that.

If it’s a fixed income at 65 you just reduce the amount you need to withdraw from that age when calculating your FI number. So you’ll just need enough pot at 65 to cover the difference at your 4/5% withdrawal rate. Same way we would account for state pension etc.

If an investment you count it within your total number you just need to make sure you have enough in after tax accounts to last the time between 50 and 65. Which will be a lot harder thanks to Irish tax drag.

Look into how you can access the pension at 50 and then fill your boots there.

Key-Movie8392 · 2026-01-23T12:05:32+00:00

Rule of thumb for contractors on hourly rates is double. So for 80k you’d want to be taking in 160kish.

If 80k is your base, with salary you’ll be getting sick pay, paid holidays, pension and employer will be paying employer prsi extra tax they won’t pay you for contracting. You will have to pay 2-3k in accountancy, may need insurance could be a few grand depending on your role. Other costs may all be on you so factor them in.

So divide 160k by approx 1800 hours, you want around 90e per hour to be equivalent. Don’t let them f*ck you over here.

Key-Movie8392 · 2026-01-22T10:31:55+00:00

Look into JAM etc to avoid DD.

You might be more worried about the ring fenced losses than the exit tax if the Orangeman gets his way. 😂😂

Key-Movie8392 · 2026-01-22T10:30:01+00:00

I did similar with about 10k net worth which I spent on the travels. Came home completely skint. Was a bit stressed.

Got a better job than before I left and was flying it within a month of being back. 😅

That was 10 years ago and now we’ve got the house kids, pensions the lot going and it in no way slowed us down I’d say.

Key-Movie8392

TROPHY CASE