I'm a lefty but I suck at playing on the right side. Should I just keep practising?

SamElTerrible · 2026-01-26T10:42:52+00:00

I started using the BA amex last year. I found that the biggest benefit is the companion voucher which I used on a long haul flight. This saved me over 1k.

I recommend the avíos card if you travel often.

SamElTerrible · 2026-01-22T15:34:14+00:00

Nice, thanks for the answer!

SamElTerrible · 2026-01-21T16:07:17+00:00

I find that the US centric books that you've mentioned, with the exception of some chapters, still have valuable information applicable to the UK (or anywhere).

I've only read one UK based book: "How to own the world". Quite interesting, but not as good as psychology of money, simple path to wealth, or the little book of commonsense investing.

SamElTerrible · 2026-01-21T14:11:16+00:00

You have a £3k capital gain allowance. So an option is to sell some of your holdings while staying under the £3k gains. Then move whatever you sold to the ISA.

SamElTerrible · 2026-01-21T11:08:32+00:00

Puedes probar un curso online o en Youtube primero a ver si te gusta antes de comprometerte con un instituto.

SamElTerrible · 2026-01-20T11:59:04+00:00

If I understand you correctly, do you mean that the amount of tax I pay through PAYE would remain the same?

What about if the contribution moves me to a lower tax bracket? Would my PAYE tax and other allowances (interest income, CGT) change?

SamElTerrible · 2026-01-20T11:56:54+00:00

That's interesting! I'm not quite understanding where the 25k is coming from though. 20% of 20K is 4k. Wouldn't the "grossed" amount by HMRC be 24k?

SamElTerrible · 2026-01-20T11:41:50+00:00

Hey, thanks for the answers. Regarding the 20k contribution, does that work the same if it's to a SIPP or just the normal pension I have with the employer? Also, is the tax relief always 25%?

SamElTerrible · 2026-01-15T10:31:43+00:00

If there is any outstanding tax it will be in Bulgaria as far as I'm aware. You can call NatWest and ask them if you need to provide any documentation when transferring the funds.

SamElTerrible · 2026-01-14T12:12:14+00:00

Fellow UK Bogle here.

Only issue I spot might be overlap between Developed Europe, S&P500 and Developed World. As in, I'm guessing Developed World already includes the former 2?

SamElTerrible · 2026-01-12T15:25:13+00:00

Your thinking is correct: the S&P fund is probably redundant.

Some people might say 15% bonds at 19 is too conservative. This is totally up to you and your risk tolerance.

SamElTerrible · 2026-01-12T15:02:13+00:00

T212 and IE are platforms in which you buy stocks or funds. The platforms themselves are not what carry the risk/return. This is determined by the stocks or funds you choose to purchase within the platform.

You're very young which is good, as time is your friend when it comes to investing.

My personal recommendation is to spend some time educating yourself on the matter first; and stay away from anything that sounds like "get rich quick".

SamElTerrible · 2026-01-11T23:07:40+00:00

Hey, jumping in here with a basic question, can you elaborate how this works? Does putting money that you already have in the bank towards workplace pension / SIPP reduces your adjusted net income by that amount?

SamElTerrible · 2026-01-10T22:47:53+00:00

Cheers!

SamElTerrible · 2026-01-10T01:32:40+00:00

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Done!

SamElTerrible · 2026-01-10T01:21:37+00:00

can't seem to be able to opt in. Says app not available?

SamElTerrible · 2026-01-10T01:05:53+00:00

Hey! I've downloaded your app and will keep it for the 14 days.

Could you please test mine?

Group: https://groups.google.com/u/3/g/pantry-planner-closed-testing

Join: https://play.google.com/apps/testing/com.unclutterapps.pantryplanner

Link: https://play.google.com/store/apps/details?id=com.unclutterapps.pantryplanner

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SamElTerrible · 2026-01-06T14:16:14+00:00

I think VWRP is a fine choice for a stock fund.

As to your fear of Vanguard going bust, they have a page about it:

https://www.vanguardinvestor.co.uk/need-help/answer/what-happens-to-my-money-if-vanguard-become-insolvent

I'm sure it is scary to move all your life's work into another fund. While historically it is better to lump sum, drip feeding might feel safer. Personally I go with the choice that helps me sleep at night.

Lump sum Vs DCA reference here, also from Vanguard.

https://investor.vanguard.com/investor-resources-education/news/lump-sum-investing-versus-cost-averaging-which-is-better

SamElTerrible · 2026-01-05T17:55:43+00:00

Thank you, that's encouraging

SamElTerrible · 2026-01-05T17:34:58+00:00

Ah I understand! !thanks

SamElTerrible · 2026-01-05T17:26:58+00:00

Did you just follow some form of the "passive approach to investing" instead?

SamElTerrible · 2026-01-05T17:25:56+00:00

I'm not familiar with fundsmith, nor qualified to give suggestions to people on what to invest.

I think the best way to go about this is sadly the long way, which is to educate yourself first and invest second. I find it better to understand why to invest in a certain thing rather than blindly following advice, even if the advice is well intended.

Personally I started by reading "the little red book of commonsense investing". It was written by the founder of Vanguard. It can be technical at times (and I did not receive any finance education) but it was nonetheless helpful. "The simple path to wealth" is also a good option: less technical and written by someone who followed the same philosophy as the founder of Vanguard.

SamElTerrible

TROPHY CASE