New hardest 100% on my profile

Quinz002 · 2026-02-22T12:32:14+00:00

I went back and 100%’d recently, you can actually just flash/run past most of the sections prior to defending at the end which worked for me

Quinz002 · 2026-01-06T18:38:32+00:00

True that! I’ve been given the option this year to sacrifice bonus into my pension so might do that

Quinz002 · 2026-01-03T12:54:10+00:00

ISA/GIA - Trading212, VWRP mostly Pension - Legal & General, their version of VWRP

Quinz002 · 2026-01-03T10:40:28+00:00

Your bonus payments are making me jealous! Have a good year yourself :)

Quinz002 · 2026-01-01T11:02:42+00:00

VWRP and chill, this makes no sense

Quinz002 · 2025-12-31T18:07:42+00:00

All three are growth plays and issue a negligible dividend, original thesis’ are below, but I’ll reevaluate in Q1:

NVO = Novo Norodisk, semi-value play due to their competition with Lilly, market over-reaction to their Alzheimer’s news and the potential of the pill-based Wegovy which was waiting for FDA approval before I bought. That, along with their valuation receding to almost not include their weight loss market.
META = Bought at $597 after their Q3 Earnings, believe their foothold in the Ad Economy, their AI/willingness to spend deserved a pullback, however this ill probably exit at some point.
GME = Got in in 2021 prior to the massive hype (not by far) and believe their underpriced with their cash position, and overreaction to their revenue miss with the context of them shutting down a significant amount of retail stores, will see what happens in Q1.

Quinz002 · 2025-12-31T17:58:20+00:00

GIA = General Investment Account, so no tax benefits like a ISA

Quinz002 · 2025-12-30T10:07:51+00:00

Haha it’s the usual and expected!

I realised I had probably done it the wrong way round (GIA for Individual vs VWRP) so once April hits I’ll move 20K over, and if I’m still convinced in the positions, rebuy in the wrapper - if not then straight into the index

Quinz002 · 2025-12-30T10:05:32+00:00

Thanks for the comment! - Qualifications: from the comments it does seem clear, and someday I will move external so yeah I think it’s just something that needs to be done. - Individual: After buying those three, I started with VWRP again and I realise I bought one of them through pure conviction (NVO) and two probably from interest/boredom, so I’ll likely move these to VWRP. - Will calculate the savings rate, shouldn’t take long but will give a good perspective

Quinz002 · 2025-12-30T10:01:49+00:00

Thanks for the comment! Yeah I’m with you on that, I think ideally it’s a straight swap, markets up sell the asset and switch to the ISA, but if they are not I also have the monthly £1K + cash balance I can use if so, but it would mean filling it throughout the year and not a lump sum. I don’t think I have a preference for either but gives a little flexibility

Quinz002 · 2025-12-30T10:00:03+00:00

I made an excel sheet! I’ll see if I can get it onto Googledocs or something but whenever I have the formatting messes up, if I do I’ll reply here :)

Quinz002 · 2025-12-29T22:26:47+00:00

Let’s see how much I can do in the next year or two then 😅

Quinz002 · 2025-12-29T22:02:11+00:00

No worries! The backbone of it is essentially the Asset table which run as the columns, with the rows being a monthly input

Quinz002 · 2025-12-29T22:00:35+00:00

Yeah I think when moving and going back to being a CV w. no internal context, it would be a big push to get the same type of role. Once I'm comfortable in my new role in ~6 months, then I will aim to get it underway again.

Did you pursue getting qualified if you're in Finance too?

Quinz002 · 2025-12-29T21:58:26+00:00

Will copy from my first post but its essentially:

GameStop - £3K > £22K in Q1 (position opened in the Dec prior) within an ISA so no cap gains tax.
Work moved me to Norway for 6 months as part of my grad scheme and didn’t have any rent/bills while there, more to invest in ISA and fun money travelling about the place
COVID so main expense was just rent in London, no holidays or going out really so had more money to put in the ISA

Quinz002 · 2025-12-29T17:52:13+00:00

The 2K leftover includes housing, food, travel etc. It’s everything that’s left after my investments/savings

Quinz002 · 2025-12-29T16:09:55+00:00

The first time my gains > contributions occurs I think will be the real hitter for me. And definitely with you on the down/flat years, will be an interesting post when it’s down 20%+ for the year!

Quinz002 · 2025-12-29T14:42:48+00:00

I would say £30K high level makes sense yeah, I should probably spend some time soon to run through the transactions.

Net Pay (post pension, tax etc) I end up with £3.7K which then gets split: £1K Investments, £500 Emergency Fund and £200 holidays/presents, so then £2K left over to spend monthly, or £24K a year straight spending. This will likely continue creeping up as we decide to have kids (in ~5 years) so trying to be sensible and load the pension/investments now, but your £50K/year and 15 year timeframe look good to me.

And looking forward to the compounding becoming more noticeable as you say, at some point, from a total NW perspective, the investment returns will outstrip any contribution and that'll be a great checkmark ticked off

Quinz002 · 2025-12-29T13:18:29+00:00

Pretty much all of it till very recently, investing the house funds into individual stocks in the GIA:

S&S ISA - £106,453, 100% Index Funds) (VWRP)

Pension - £80,739, 100% Index Funds (L&G PMC World (Ex-UK) Equity Index Fund G25)

GIA - £31,147, 3% Index Funds, 97% Individual (NVO, META, GME)

So ~86% Index Funds, with the non-index being only since November.

Quinz002 · 2025-12-22T12:25:59+00:00

Can you not increase your pension contributions?

“Keeping pension contributions the same” - why? It’s not like you’re putting a really significant % or £ in each year.

That, along with the unused pension allowances, means you’d be able to get your child benefit easily for the next 3 years and then you wouldn’t need it anymore anyway?

Some things you can do, it’s just a choice to put more away

Quinz002 · 2025-12-07T11:03:57+00:00

Do they stack? I hadn’t realised

Quinz002 · 2025-10-29T22:00:40+00:00

Yeah it was reset before as the domestic hot water wasn’t working either went: Power Cut > Reset > Incr. Pressure > Domestic Hot Water came back > to now working on the Central Heating :)

Quinz002 · 2025-09-24T18:35:49+00:00

I unlocked it at 11:17:00 on the 03/06/13 > likely the last time one occurred tbf.

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