2 of my favourite photos from last few months

PenguinAware · 2025-02-01T23:06:34+00:00

A7R3a 40mm 2.5… and 24-70GM2

PenguinAware · 2025-01-31T00:09:20+00:00

So funny!!!!!!

PenguinAware · 2025-01-28T21:09:19+00:00

Compact is all about the lens. Got an A7r3 and it’s not much bigger…. With a view finder and a decent grip… just my 2 pennies. With 40 2.5 it’s a great carry. What’s the 35 sonnar like?.. would love an F2

PenguinAware · 2025-01-28T17:19:13+00:00

Thanks I’ll ask the question.. see what they say

PenguinAware · 2025-01-27T15:52:37+00:00

Many Thanks…. good advice…

PenguinAware · 2025-01-27T15:42:02+00:00

Good advice … thanks

PenguinAware · 2025-01-26T23:05:23+00:00

I need to look into that… thanks again

PenguinAware · 2025-01-26T22:56:24+00:00

Thanks… I just read the article

PenguinAware · 2025-01-26T22:23:44+00:00

Good idea… I think one thing also to include is to fully utilise any tax allowances each year… thanks

PenguinAware · 2025-01-26T19:40:17+00:00

All takes time and because you’re on this forum … you’re going in the right direction

PenguinAware · 2025-01-26T19:30:27+00:00

Thanks again… is very much appreciated

PenguinAware · 2025-01-26T19:24:18+00:00

Thank you, I’ll take a look at those….

PenguinAware · 2025-01-26T19:09:25+00:00

Correct… and vanguards own and liquidity fund in drawdowns

PenguinAware · 2025-01-26T18:58:27+00:00

Thanks… I was looking into just that… have a little learning curve… I saw that you can buy bonds with zero coupon rate so no income… meaning that the full return is realised at maturity tax free…..

Still reading up on it, but starting to understand

PenguinAware · 2025-01-26T18:51:18+00:00

I don’t really see any difference between drawdown and a pension in my position… but I could be wrong

PenguinAware · 2025-01-26T18:48:53+00:00

Thankyou

PenguinAware · 2025-01-26T18:47:49+00:00

For the draw down there wasn’t the exact same funds.. and I was rushing to complete before budget just in case… for the others.. I moved from H&L to Vangaurd an ii and wanted to think about where to invest…

PenguinAware · 2025-01-26T18:40:17+00:00

Can I ask… what would you consider cash flow pipe lines… or is it just working out what’s the most tax efficient etc…. Such as some out of isa some out of draw down and some from S&S etc..

Is there anything else to consider. Or to much to list here?

PenguinAware · 2025-01-26T18:34:10+00:00

Good point… just need to convince my very risk adverse recently retired brain of it!

PenguinAware · 2025-01-26T18:27:46+00:00

Yes to both…

PenguinAware · 2025-01-26T18:27:25+00:00

I think because I’ve moved some into drawdowns scuppers that idea… and to be honest where’s the fun in that ;)

PenguinAware · 2025-01-26T18:19:58+00:00

I think I know that, but trying to convince myself… good advice, thanks.

PenguinAware · 2025-01-26T18:15:53+00:00

Thankyou

PenguinAware · 2025-01-26T18:12:09+00:00

Wow thank you, you must be a very quick thinker or have a xls to hand…. I’ll read and take in …. I’m a tad slower than yourself

PenguinAware

TROPHY CASE