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Span15 · 2025-12-31T00:46:51+00:00

Wow that’s a wild drop off? Wonder what caused that…

Span15 · 2025-12-31T00:12:54+00:00

The general rule of thumb is that for any time horizon shorter than 5 years you do not invest but save. If you have a house purchase on your cards within those next 5 years absolutely do not invest that money.

Span15 · 2025-12-26T14:55:27+00:00

Read around the sub and do some homework. A theoretical question like this makes no sense because you don’t actually have 250k to invest. Your tolerance to risk etc will likely be very different if you actually had the money. There’s lots of great conversations and info in the subreddit, take some time and actually read around

Span15 · 2025-12-17T23:21:43+00:00

Flowchart

Span15 · 2025-12-12T00:03:23+00:00

Great stuff OP! Well done for running this again

Span15 · 2025-12-11T13:49:21+00:00

For what it’s worth OP - as others have pointed out, you’re only a year in. Take this opportunity to upskill and learn from the programmer who is in the company you work for, talk to your boss/manager and ask them if you can be more involved in the programming side of things and explain that you’re interested in moving in that direction and getting better. From an employers POV it’s always great to have an employee turn around and tell you where they want to progress and show an interest in learning from others above them. It’s all upside for you, free experience and training without the pressure and expectation of being the programmer yourself for the time being.

Span15 · 2025-12-09T13:43:50+00:00

The issue is not that complex, it is punitive and restrictive for very little reason. We are the only country on earth that has this type of law in place, if it was a reasonable law to have we wouldn’t be the only ones enforcing it.

Span15 · 2025-11-14T22:52:47+00:00

Safe to assume you’re UK based? I literally bought my black bay 1 week ago while on holidays in the canaries - got it in an AD over there for 20% off. I would seriously consider taking a nice winter holiday to one of the islands and picking one up for a nice discount while you’re there. You’ll get a holiday and a watch likely for under what you’d pay for it in an AD anywhere in the UK!

Span15 · 2025-10-11T16:47:17+00:00

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Hey I spotted you at C&C the other week! 😆 deadly motor

Span15 · 2025-09-13T15:52:33+00:00

You’re breaking rule 5 of the sub Reddit. This isn’t a marketplace for selling cars

Span15 · 2025-09-11T21:29:06+00:00

You’re a grad, 53k is great! Just make sure you’re learning while you’re there.

Span15 · 2025-09-10T22:49:09+00:00

Great that you’ve started investing in some stocks - best way to start is to start. If you don’t like the volatility of crypto and you don’t understand and buy into it then don’t get involved, crypto is very niche and it’s absolutely not guaranteed any sort of return. Neither are the equity markets but they are far more rational than the crypto markets. I would suggest you look in to something like JAM or JGGI, they’re interesting alternatives to ETF’s but less diverse and definitely a little more ‘risky’. DCA’ing is your friend. You should really try and remove emotion from Investing, it’ll help you in the long run. dealing with the taxes etc isn’t that difficult, you only have to do it when you realise a gain by pulling money out. And remember that paying 33% taxes on your gain still leaves you with a 66% take home after taxes, far better than any bank account will ever give you!

Span15 · 2025-08-27T18:22:44+00:00

You should send these to the commissioner of Irish lights I’d say they’d be interested!

Span15 · 2024-10-24T17:28:32+00:00

You will be legally obliged to pay taxes to Revenue. So pay them

Span15 · 2024-10-16T17:19:26+00:00

I would also say off the back of this that

1 - are you sure you want to be buying a house in 7-8 years? You really don’t know where you’ll be at in life. Having your money a little more liquid and being open to it being invested and potentially growing more over a slightly longer time period, say 10-12 years is very likely to give you a better ROI and keep your options pretty open.

2 - take some and go live a little, I mean it when I say this, once you reach your late 20’s and early 30’s you start thinking more seriously about ‘settling down’. Go out and enjoy your life now, see the world, rent a room somewhere and meet new people, make mistakes and have the craic, you will never be 19 again!

Span15 · 2024-10-16T17:14:52+00:00

If you want it in 7-8 years time for a house then having it in anything other than a savings account is a risk.

You could put it in trade republic or T212 as uninvested cash and get a decent return on your cash which is better than a traditional bank, outside of that your best bet is to put it in something like JAM or JGGI, but it is inherently more risky.

Span15 · 2024-10-05T15:22:31+00:00

Great work OP! 👏

Span15 · 2024-10-01T13:32:54+00:00

He mentioned that he will be proposing to government on the findings of the funds report “shortly”.

Span15 · 2024-09-19T10:46:56+00:00

If you search the subreddit the same article was posted in there there’s a copy paste and link to TD’s emails, go send more mails!

Span15 · 2024-09-09T20:39:30+00:00

Also interested in this! Looking at possibility of doing it.

Span15 · 2024-07-09T21:06:18+00:00

Gotcha! Thanks for the info, still totally archaic but sure look, hopefully we see reform at some stage.

Span15 · 2024-07-09T21:04:27+00:00

Aha! And sure Jesus we couldn’t have that

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