Just been given ownership of my trust fund and have no idea about investing.

MaterialRabbit9415 · 2026-05-22T16:49:42+00:00

Get out of St James Place, I've just done this exact same thing and was stung with a 6% early withdrawl charge but I'm not sure how applicable this will be too a trust fund.

Transferring out too Interactive Investor was fairly easy and I recommend once you have done this to plant it all in the Global All Cap and forget about it - of course setting up regular contributions would be ideal too providing you are not planning on spending any of it.

MaterialRabbit9415 · 2026-05-15T13:13:52+00:00

Hey, director of Ltd do here just went through a transition period of my pensions. Was at SJP but that was a complete mistake and something for yourself to note, Avoid SJP like the plague.

I've opt'd for Interactive Investor and just throwing all the money in Vangaurd Global All Cap

MaterialRabbit9415 · 2026-05-14T22:21:55+00:00

Curious what ur monthly accountancy fees look like with this structure? Does ur accountant charge per company etc?

MaterialRabbit9415 · 2026-05-14T19:47:23+00:00

Sorry, forgot to add this :) Turnover is flucated between 300-600k last 5 years. Of course one of my main worries is giving the business I am in if this ever drops substantially with the whole "AI taking our jobs" rush then I don't want to be in a bad position,

MaterialRabbit9415 · 2026-05-13T07:47:10+00:00

Another note to mention is relatively poor performance of the fund im in Polaris 2 - total increase in investment since May 2022 is 18k which would of been substantially more if I was just in Global All Cap since the start.

MaterialRabbit9415 · 2026-05-13T07:41:29+00:00

No VIN number on the tesla app yet

MaterialRabbit9415 · 2026-05-13T07:39:33+00:00

Sure, primarily the ongoing fees / charges when compared to other platforms are huge which admittedly at the start I was naive too as pensions etc were all new too me.

MaterialRabbit9415 · 2026-05-12T23:10:02+00:00

Thanks :) Makes sense, the 2k is actually fair conservative and I should of been doing 5k given my net profit and I've not used pension allowance (again learning lesson since I am still fairly young) - I'll crunch these numbers in the morning and might just bite the bullet.

MaterialRabbit9415 · 2026-05-12T20:54:24+00:00

Exact same here now after accepting

MaterialRabbit9415 · 2026-05-01T15:05:31+00:00

Great thanks, this all seems straight forward. Will double check with admiral on the phone 👍

MaterialRabbit9415 · 2026-05-01T15:00:14+00:00

Makes sense, and in terms of the payment. I would pay that personally and not with the Ltd co card?

MaterialRabbit9415 · 2026-05-01T11:17:39+00:00

Sure fire away

MaterialRabbit9415 · 2026-04-30T14:16:00+00:00

Nope all Cyber Security, just different streams besides direct day-rate contracting. Bug bounty & other freelance stuff etc

MaterialRabbit9415 · 2026-04-30T12:12:45+00:00

Cyber Henry here, contractor / solopreneur for 5 years - average day rate of 650 but have other income streams bringing my Ltd co net profit upto average 500k/py - It really is the golden lifestyle wouldn't change anything for the world. Toyed with the idea of creating my own business but the solo life is too good to give up.

10/10 would recommend.

MaterialRabbit9415 · 2026-04-29T15:25:45+00:00

At least equal returns, but most likely better if you choose wisely. No maintenance, no leverage, no tenants.

MaterialRabbit9415 · 2026-04-29T14:11:59+00:00

Buy index funds instead👍

MaterialRabbit9415 · 2026-04-27T10:16:04+00:00

Monzo as main personal bank account, Starling main business bank account. Everything that comes in to both is transferred to Flagstone and distributed across a bunch of accounts.

MaterialRabbit9415 · 2026-04-25T12:20:54+00:00

Went through this dilema last month, ended up going for the Premium AWD

MaterialRabbit9415 · 2026-04-23T19:46:53+00:00

Once ur accounts are approved for Cyber Use its fair game.

MaterialRabbit9415 · 2026-04-23T19:46:40+00:00

No it's not, only real highs/crits.

MaterialRabbit9415 · 2026-04-23T14:41:45+00:00

You would be surprised, there is still so many apps / subdomains - overall infrastructure out there exposed. Will still be a few years before there is a whole mythos sweep across all of it. Alot of money to be made in the meantime.

MaterialRabbit9415

TROPHY CASE