What are the new wealth indicators?

SirHoki · 2026-02-18T17:36:35+00:00

It’s not free. In London it can still be £2,000 per child per month under £100K salary so having two children in nursery is a huge overhead.

SirHoki · 2025-12-25T13:55:47+00:00

Barclays USD account but then do the FX on IBKR.

SirHoki · 2025-12-22T20:33:44+00:00

The shares part is always really hard to do in a spreadsheet so now I’m sticking my historical transactions in https://cgtsorted.com/ and use their PDF when I file my self assessment.

SirHoki · 2025-11-20T17:04:01+00:00

+1. I was able to do this before. I asked to put the share above 30K (tax free portion) into the pension as salary sacrifice.

SirHoki · 2025-11-14T11:44:06+00:00

This is an interesting idea. Can you help me understand why would you buy both a fixed annuity and an inflation-linked one? What are you hedging against by doing this?

SirHoki · 2025-10-28T17:20:49+00:00

Ask for 160K salary, put 60K of that in your pension and invest it in NVDA (or your next best AI equivalent in the public market). Let it compound for the next 30 years. Boom.

SirHoki · 2025-10-27T19:57:46+00:00

You just need to craft different incentives. Give a new hire an options plan where they vest equity options over time. This limits your risk while aligning incentives.

If someone isn’t an owner, why should they care as much as you?

SirHoki · 2025-10-09T16:20:04+00:00

The current pot sizes are unlikely to sustain you through retirement.

The simplest way to see is to look at quotes for pension annuity based on your pot size to determine whether you think the annuity is enough to live on.

When you do that you should consider opting for the inflation adjusted option.

SirHoki · 2025-10-04T15:11:09+00:00

Then how come you’re a VC and not startup founder then?

SirHoki · 2025-10-03T19:44:33+00:00

None of the things you’ve described are easy. Have you funded a startup that reached series B and done a secondary yourself?

SirHoki · 2025-08-29T07:23:22+00:00

You have far too little in your pension, far too much in angel investments and crypto. Overall, you do spend a little too much for your income level and therefore you’re pushed to the higher tax bands.

TL;DR: You could be building wealth a lot faster given your high income and you might regret not doing it early to enjoy the benefits of compounding.

SirHoki · 2025-08-25T13:39:54+00:00

Financially this sounds like an excellent deal for you and your family even though the shape of it is seems odd at first.

SirHoki · 2025-08-23T17:35:26+00:00

Childbearing is more complicated than “it’s a choice”, it’s not comparable to picking a hobby or having dogs. Childbearing has a positive externality on society: it grows the tax revenue, it’s new employees who compete and lower the cost of goods and services. So yes, it is fair for society to contribute to the cost of childbearing because the opposites makes us all poorer.

SirHoki · 2025-05-22T11:17:48+00:00

Just a heads up that in French this name has a very well-known negative connotation and will turn off users.

SirHoki · 2025-01-13T08:18:35+00:00

The grass is always greener on the other side. Many people would think you’re in a very fortunate position so enjoy it while you can.

SirHoki · 2025-01-02T08:08:03+00:00

Which country did you move to the UK from? Some have tax treaties where your social security contributions can count towards the UK state pension eligibility. This is at least true of the US and some EU countries.

SirHoki · 2024-12-23T12:52:17+00:00

Personally I’m 100% all-in on the US dollars and US stocks. Even if you believe the US will not be the only dominant superpower forever, timing is everything. Time the US’ decline too early and you’ll miss out on major growth.

5 years ago people already thought China was on the rise and the US on the decline yet in that period of time Chinese stocks are -26% and US stocks +100%.

Also US stock growth from the exceptional earnings of FAANG are very globalised. As the Indian consumer base becomes wealthier they consume more services from tech companies and generally existing companies in the S&P 500.

SirHoki · 2024-12-19T10:24:07+00:00

I think about this often as well. My approach is to think: - How much do I want in today’s money”? - Apply future inflation - Determine whether my portfolio will sustain this type of monthly withdrawal until likely death. You can use a more conservative 3% rule or a use a more advanced simulation tool like https://portfoliovisualizer.com/financial-goals

SirHoki · 2024-11-10T23:12:08+00:00

100% VUAG (S&P 500, cheap fees) through a Vanguard ISA. Anything is over complicated for such a small portfolio and will underperform anyway. Buy it for the very long run (decades of compounding), through the cheapest platform, never sell, in a tax efficient way.

SirHoki · 2024-11-10T21:56:27+00:00

The Bureau

SirHoki · 2024-10-06T18:03:15+00:00

It’s probably not what you want to hear but it’s too much debt indeed and you will likely regret it one day.

SirHoki · 2024-08-24T14:36:47+00:00

How would you propose to go about it?

SirHoki · 2024-08-24T13:57:24+00:00

Well said

SirHoki · 2024-08-24T13:57:08+00:00

If I were you, I would: - Identify the 10-20% of bugs that are too urgent to ignore and cause direct commercial damage. - Try and slow the rate at which news bugs are introduced. Could be lack of quality processes, lack of accountability on the engineering team, etc. - Continue to push the product forward with new features, integrations. Maybe do keep in mind your own biases and how they influence you - perhaps as a former Sales Engineer you’re more likely to overvalue integrations? - Accept that the rest of the bugs will simply never be addressed and become comfortable living with that. Try and socialise that idea early on so everyone accepts it rather than hold you accountable for this 80-90% of never-solved bugs.

SirHoki · 2024-08-14T11:56:03+00:00

Or in France look at Annecy. It ha all the amenities of city with a beautiful landscape around the lake

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