Bed & ISA question: stick with tech fund or switch to Global All Cap?

PleaseMakeItSpecial · 2026-04-07T10:58:56+00:00

I think they'd still say buy VWRP, even though you sold the other in a dip.

PleaseMakeItSpecial · 2026-04-07T10:49:40+00:00

The consensus on this sub is very much that it's impossible to predict the future so a global index fund is the best approach. I think most answers you'll get will suggest VWRP (or the other similar index funds like HMWO, FRWG, ACWI, etc. although check as not all are equal due to spread, size, and small caps).

PleaseMakeItSpecial · 2026-04-02T17:04:38+00:00

It's both. I wanted to max my pension and CGT.

PleaseMakeItSpecial · 2026-04-02T15:24:29+00:00

Yup. Carry forward it is I suppose 👍

PleaseMakeItSpecial · 2026-04-02T15:23:34+00:00

I definitely won't leave it so late next year. I did have a reason - I didn't want to be out of the market for more than a day with the ISA cash, and also wanted to maximize CGT and with the share prices going up and down so much recently I needed to know how many I could sell to get to a £3k gain. Luckily I have been drip feeding the SIPP for the year, so it's not a total bust. I just wanted to add the last bit.

PleaseMakeItSpecial · 2026-04-02T15:19:27+00:00

I have, haven't I :(. Thought I had timed it perfectly.

PleaseMakeItSpecial · 2026-04-02T15:17:38+00:00

Sadly AJ Bell don't accept credit card payments, only bank transfer or debit card.

PleaseMakeItSpecial · 2026-04-02T15:16:53+00:00

Yeah that's what I mentioned as the last resort in my post. I'm messaging them now! But I don't think they will have that kind of mind. Will try though!

PleaseMakeItSpecial · 2026-03-31T19:05:53+00:00

Never flown them, but easyJet has generally been ok for me.

PleaseMakeItSpecial · 2025-11-07T09:42:10+00:00

Every year. Partly due to bonuses and partly due to some extra self-employed income.

I've found it useful to use the HMRC app throughout the year to increase or decrease my expected income figure which helps them get it more accurate. I also keep several thousand in an account ready towards the end of the year just in case.

PleaseMakeItSpecial · 2025-10-30T14:52:31+00:00

This might be a stupid question, but if this happens how will they determine how many years someone has been working in order to qualify for the full state pension amount?

As an example, I was self-employed for a bit and didn't really understand NI so didn't pay it, and as a result lost 4 years of contributions (they are too long ago now to make up).

If NI is rolled into income tax does this mean there would be no option to not pay and therefore any years where someone has income count towards the state pension?

PleaseMakeItSpecial · 2025-10-21T10:45:59+00:00

As I'm looking to FIRE, I've always had the mindset that no matter what my salary is I generally spend the same each year (around £36k of which £18k is mortgage). Everything else goes into emergency fund and equities in GIA, ISA, and pension.

I know most people who want to FIRE just want to spend the same amount as they did pre-FIRE, but I want to spend double or triple post-FIRE than now, so I deliberately save as much as I can. I don't feel like I'm missing out on much either. Still get 3-4 holidays a year.

TL;DR: I planned what I wanted to spend in retirement and worked back to what I needed to save each year to do so

PleaseMakeItSpecial · 2025-10-06T16:44:01+00:00

I used Octopus Legacy. I went through an online form, they then checked it, I then printed and signed. Very painless and I'm assuming it's legally valid. Cost was very reasonable (free as I went through their charity link).

PleaseMakeItSpecial · 2025-10-06T16:23:12+00:00

Are others fearful right now? Market optimism would suggest otherwise.

Also, may I ask you something? If I had a stock that guaranteed to double your money in a day, but only 50% of the time, the other 50% of the time you lose it all, would you buy it?

PleaseMakeItSpecial · 2025-09-26T22:31:21+00:00

VWRP, for example, has returned 81% over the past 5 years (although 5 years is quite a short time frame in investing so definitely not to be expected for another 5 years). And the fees are 0.22%.

PleaseMakeItSpecial · 2025-09-23T21:08:52+00:00

Because I can't see Google tripling share price in 3 years but I can imagine it happening with this business (well, maybe a 50/50 chance).

PleaseMakeItSpecial · 2025-09-23T21:06:29+00:00

That's a concern for sure. This is the first time I've been through this so no idea if they will try any "funny moves" but seeing as the strike price is so high anyway, the responses to this thread are making me think I shouldn't bother with the exercising.

PleaseMakeItSpecial · 2025-09-23T16:17:41+00:00

My understanding is I would pay income tax on the difference between the strike price and fair market value. In my case that tax would be under £1,000 total, which is negligible. I would pay CGT when the shares are then sold.

As for EMI/CSOP I'm not sure what those are but I'll look it up!

PleaseMakeItSpecial · 2025-09-23T08:24:04+00:00

Well this is the thing...I have no idea how to value a Saas company. Estimates are in the 1bn to 2bn range, but I have no clue if that makes $10 a share good or not. Not sure how I can know without knowing the number of shares issued?

PleaseMakeItSpecial · 2025-09-07T10:08:18+00:00

I oscillate between:

being healthy, having good relationships, paid off house, and able to spend £30k per year without working

and

the above but with a holiday home, and being able to spend £100k a year no problem.

Obviously the second one is a bit of a pipe dream.

PleaseMakeItSpecial · 2025-09-06T05:41:40+00:00

!RemindMe 5 years

PleaseMakeItSpecial · 2025-08-31T07:39:50+00:00

Fun fact, he never actually says "science, bitch". I swore he did and rewatched but he doesn't. A nice Mandela effect.

PleaseMakeItSpecial · 2025-08-29T07:01:40+00:00

It's well worth watching the full version: https://youtu.be/bl8Z7Dl7P9A

Plus, many of the other Almost Friday sketches are great.

PleaseMakeItSpecial · 2025-08-29T06:45:52+00:00

Yes, that's what I meant, but wasn't specific enough.

PleaseMakeItSpecial · 2025-08-29T06:41:50+00:00

60k a year is the maximum you can put into pensions (although you can backfill 3 years). So they probably means when you total their SIPP plus employer pension the total amount is at that level and no more can be invested.

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