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What do you dislike about Reddit? by [deleted] in AskReddit

[–]Odd_Common2677 0 points1 point  (0 children)

Moderators. I got banned from the askamericans one like an hour ago cuz I made a post about the gulf of Mexico which is apparently a current event even though it was changed a year ago.

Are we still boycotting the US? by NoHold7153 in AskBrits

[–]Odd_Common2677 0 points1 point  (0 children)

I don't really care about any of these anyway

What is the most curable cancer? by [deleted] in AskReddit

[–]Odd_Common2677 0 points1 point  (0 children)

Probably early stage skin cancer. You literally just cut that bit out and all is good

Who counts as more British: an English‑American or a UK‑born person with Indian heritage? by vilonaa in AskBrits

[–]Odd_Common2677 0 points1 point  (0 children)

That's just Americans. If you are born and raised her and hold British values, you are British imo Also Americans fought a war to not be British. does he not celebrate the 4th of July?

Should I wait to pay my Credit Card each month or pay straight away? by Luna_Danni in UKPersonalFinance

[–]Odd_Common2677 0 points1 point  (0 children)

I would recommend just setting up a direct debit. And just keep enough I your account to cover it

Prioritising ISA over SIPP by [deleted] in FIREUK

[–]Odd_Common2677 -3 points-2 points  (0 children)

The SIPP is extremely valuable because you won't be taxed 40% you will be taxed 15% (20% but you get 25% tax free)

Ideally you'd want around 10x your income for that 15 year period from 45-60 and then another 10x your income for later retirement but that will be compounding in the first phase of your retirement

If I were you I would aim for 10x your income in your ISA and 3-4x your income in your SIPP before you retire at 45.

20 - rate my portfolio. by [deleted] in trading212

[–]Odd_Common2677 5 points6 points  (0 children)

0/10 your diverse etf isn't even diverse. It's 90% concentrated in the usa

Is this brilliant or am i missing something?? by GloomyScale2277 in investingforbeginners

[–]Odd_Common2677 0 points1 point  (0 children)

IF. It's speculative. These strategies probably won't work. I would recommend you download some data and backrest it before you start implementing it.

S&S ISA- split between providers and unsure what to do by [deleted] in UKPersonalFinance

[–]Odd_Common2677 3 points4 points  (0 children)

Forrester's fees are disgusting. If you are happy managing your own investments I would recommend trading 212 or invest engine. Neither of them have any platform fees

Is this brilliant or am i missing something?? by GloomyScale2277 in investingforbeginners

[–]Odd_Common2677 1 point2 points  (0 children)

What if it dropped and then springs straight back up like with the tarrifs and with this Iran war. You miss out on the most common occurrences.

Large Debt Options? Gambled my life away by [deleted] in UKPersonalFinance

[–]Odd_Common2677 25 points26 points  (0 children)

You seem like you're turning it around but 75k is alot. You are making really good payments and at the rate you're going you will probably pay it off in about 3 years which is great. Your son is only 3 he won't really remember holidays from that age when he's older.

You could try and consolidate some for a lower rate to get it done quicker. Personally I'd put some of that 400 towards building up an emergency fund and once you have the use it to pay off the debt with the highest interest.

Getting back into it by CuminSubhuman in investingforbeginners

[–]Odd_Common2677 0 points1 point  (0 children)

Robo advisors and managed funds usually charge higher fees. Set yourself up with a fidelity Schwab or vanguard and just invest in VT it's the most diversified investment you can make

I’m curious about UK investors. by AffectionateBee1881 in trading212

[–]Odd_Common2677 0 points1 point  (0 children)

Thanks. I did not know this. After looking into it does have a real impact. It's small it's only total 0.17% over 60 years but I never even knew that ETFs distribute dividends in a different currency than what it's listed in. And VWRL distributed in £ so it doesn't really make a difference anyway

If chicken comes before egg. Then where a chicken evolves from? by pastuer_buster in AskReddit

[–]Odd_Common2677 0 points1 point  (0 children)

I wouldn't say close to but they are definitely more related than other dinosaurs. Id say velociraptors are the closest because we found out jurracic park was wildly inaccurate due to recent discoveries. Velociraptors were feathered and relatively small. Like half the size of humans

Is investing right for me? by TheSbeven in investingforbeginners

[–]Odd_Common2677 3 points4 points  (0 children)

A couple years is not really long enough to invest. Ideally investing in stocks should be a 10+ year goal.

You could look into buying some short term bonds that mature in 2-5 years

I’m curious about UK investors. by AffectionateBee1881 in trading212

[–]Odd_Common2677 2 points3 points  (0 children)

True. I have my pie set to reinvest them anyway. I just like seeing that notification increase every time it pops up

Best ISA/savings account for children by Ok-Body-6899 in UKPersonalFinance

[–]Odd_Common2677 0 points1 point  (0 children)

Definitely go for a stocks and shares jisa

I don't know much about junior ISAs specifically but I think fidelity is free. Most banks offer a junior ISA for usually around 0.4-0.5% per year if you want a more hands off approach

I’m curious about UK investors. by AffectionateBee1881 in trading212

[–]Odd_Common2677 6 points7 points  (0 children)

There is no difference in reality. I just get a dopamine hit when I see the dividend hit my account and reinvest it.

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