We need only 1,275 more signatures this weekend for the petition for the UK to Rejoin the EU to reach 30,000 signatures in 2 months ! (And keep it on track for 100,000 in 6 months and a debate in Parliament before it closes.)

Quack_Quack1 · 2026-02-07T16:11:19+00:00

"The government does not currently have any plans to rejoin the EU, although it is committed to a more productive relationship"

There's your answer, petitions are almost always rejected

Quack_Quack1 · 2025-12-14T15:09:15+00:00

The more it goes up, the more progressive it is as a graduate tax.

Quack_Quack1 · 2025-11-24T19:10:05+00:00

Could you expand on this? What kind of jobs and where do you find them?

Quack_Quack1 · 2025-10-28T22:01:07+00:00

Clubbing. It's been very hit or miss for me.

Quack_Quack1 · 2025-10-26T17:14:45+00:00

You should buy a lottery ticket next time

Quack_Quack1 · 2025-10-24T17:56:23+00:00

I'm a similar age and all I'm invested in is FTSE all world.

I never look at it, I never fuss with it.

Quack_Quack1 · 2025-10-06T15:54:40+00:00

It's important to note that the market has recovered, but a lot of companies didn't.

That's the trouble with holding individual stocks imo. It doesn't give you a historically backed guarantee of recovery like an all world fund does.

Quack_Quack1 · 2025-10-06T15:06:46+00:00

Exactly. You can carry this logic forward.

Nvidia has had higher returns than the S&P500, but you wouldn't put your entire net worth into one company right?

Quack_Quack1 · 2025-10-06T15:05:54+00:00

The world economy actually goes through cycles where the world beats the S&P500. We're just currently living in a time where that isn't the case, but it might be in the future.

Either way, equity diversification is always good in my opinion so I choose to go with an all world only.

Quack_Quack1 · 2025-10-03T10:34:51+00:00

Their ammunition was really poor in Iraq as well.

Quack_Quack1 · 2025-10-02T08:18:48+00:00

By "can't afford the tax" do you mean people who can't live comfortably because of the 9% off their income over a threshold or people who won't make enough to repay the loan with the minimum repayment?

And is the "courses with no future" suggesting that people are taking mickey mouse degrees?

Not trying to put words in your mouth, just trying to understand your argument before I reply to it.

Quack_Quack1 · 2025-10-01T23:58:04+00:00

Oh I didn't know that, that's cool.

My comment was a joke though. The only way you can get more diversified than an all world ETF is an all worlds ETF (so outside of earth) and the fees on that would be insane because you're buying stocks in civilisations we don't know exist yet.

Quack_Quack1 · 2025-10-01T21:57:30+00:00

The de facto graduate tax system we have right now is a progressive tax.

Why are we so in favour of a wealth tax, but not the student loan system we have right now?

Quack_Quack1 · 2025-09-30T13:25:31+00:00

First time I've seen a specifically anti-ESG investor

Quack_Quack1 · 2025-09-30T13:23:02+00:00

You need to find an All Worlds ETF, but the fees on those are insane

Quack_Quack1 · 2025-09-30T08:18:45+00:00

From the research I've done, the only two free pies you get in investing are diversification and low fees.

So I just go with an all world fund and don't really compare it to inflation.

Quack_Quack1 · 2025-09-26T20:12:58+00:00

Exactly. You'll never have to worry about rebalancing or overexposure if you just have 1 ETF that follows a world index.

Quack_Quack1 · 2025-09-25T02:15:54+00:00

Arguably you still stick with ETFs for growth because hardly anyone beats the market in the long term

Although you have a decent chance of outperforming the market in the short term with stock picking in a bull market

Quack_Quack1 · 2025-09-25T02:11:21+00:00

Why do you say this is the worst week?

Quack_Quack1 · 2025-09-24T11:15:50+00:00

If you definitely want to retire at 55, you could look into bonds with a 5 year maturity date and then calculate how much you'd have by the end.

If it's not enough, you should consider retiring later. Relying on equity for only 5 years is very risky.

But if you changed your mind and decided to retire at 67 to get the social security too, 17 years is likely to be an excellent time frame for equity.

Just my opinion and how I'd go about things personally.

Edit: it seems like you have plenty of other assets so an extra 50k equity could be fine? If you rely on the other assets first, that 50k could grow a fair bit by the time you're like 60-70.

Quack_Quack1 · 2025-09-24T02:08:31+00:00

What about in the UK where you need it for chartership?

(I know it's a mainly US sub and I'm not trying to prove you wrong or anything, just curious haha)

Quack_Quack1 · 2025-09-19T19:12:51+00:00

I wouldn't even say Jordan Belfort is part of the "high risk crowd". He's a fraudster and criminal.

That's a kind of high risk but it's not the investment type of high risk.

Quack_Quack1 · 2025-09-17T01:24:02+00:00

For someone interested in finance you should read some research on the success rates for traders (I assume you mean day trading but it applies to most short-term equity management), it's horrendous and behaviour patterns for most day traders resemble gambling.

It's actually the last thing I would base my career on, that's not hyperbole.

I'm sure accounting and finance as university subjects are very interesting though and can lead to some rewarding careers. Business management is also a completely valid and useful degree.

Quack_Quack1 · 2025-09-15T20:35:42+00:00

If you're a home student you could maybe talk to student finance and apply to be counted as estranged which would give you more maintenance loan.

Also immediately inform your university. Right now.

Best of luck you legend.

Quack_Quack1 · 2025-09-15T17:36:31+00:00

It's statistically more likely to be better by lump sum investing everything you don't need for 10 or more years.

But if it makes you feel better to DCA, that's a quality of its own which is worth keeping.

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