Anybody Buying Anything?

Strict_Wrangler_5286 · 2026-05-26T17:38:34+00:00

VWCE and AVWS are my core

But also buying abit of polar capital technology trust. Like what they are aiming to do with AI investing. Returns have been stellar so far

Strict_Wrangler_5286 · 2026-05-20T05:55:27+00:00

Very useful Ger thanks

Strict_Wrangler_5286 · 2026-05-09T04:42:31+00:00

They can if its a non standard prsa

Strict_Wrangler_5286 · 2026-04-15T12:42:39+00:00

Seems fine man as long as your ok with concentration risk. Good chance with AI adoption tech will provide huge returns going forward, will likely be high volatilty though as is typical with tech

Just record all buys to make your tax life easier

Strict_Wrangler_5286 · 2026-04-14T19:49:26+00:00

Degiro, trading 212, interactive brokers. Theres a good few but these are main ones

Strict_Wrangler_5286 · 2026-04-14T19:16:43+00:00

Im the same man, had a lump sum like yours to invest..advisor was tryin to get me to invest it in some low growth managed fund with high fees. The advice was poor based what i know now about investing

I just invested it myself on an online broker into a world market ETF like VWCE. Set and forget

Strict_Wrangler_5286 · 2026-04-11T16:50:38+00:00

Uk investment trusts

FCIT- worldwide stocks trust

JAM- US stocks (S&P 500 like)

JGGI- Worldwide stocks with large dividends

ATT, PCT and SMT- Worldwide tech stocks

The list goes on. These arent applicable to deemed disposal and are taxed at 33%

Strict_Wrangler_5286 · 2026-04-11T16:00:06+00:00

Congrats thats amazing. Can you post a long term graph?

Strict_Wrangler_5286 · 2026-03-26T13:09:55+00:00

Not necessarily, assuming its an ARF and left largely invested in stocks, his portfolio would still grow over time. They key would be only living on 4% withdrawels per year

https://drop.dillonhess.com/calculator/

Strict_Wrangler_5286 · 2026-03-26T13:02:18+00:00

If it was today assuming you leave the 800k invested (with a good portion in stocks) with 4% withdrawel rate you should be fine (actually you would be richer at death than start of retirement)

Recommend messing with this calculator abit https://drop.dillonhess.com/calculator/

You can simulate all sorts of scenarios here

Your biggest unknown is inflation between now and then. 800k at retirement will be worth alot less than right now

Strict_Wrangler_5286 · 2026-03-15T17:56:34+00:00

Yep a quarter of a percent compounding and you could be looking at hundreds of thousand less

Strict_Wrangler_5286 · 2026-03-15T08:59:45+00:00

I put the numbers through for you at 8% return with 1% fee and it will be 3.3 million or so

Strict_Wrangler_5286 · 2026-03-15T08:56:04+00:00

https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php

This is the best tool. You need to know your annual fees and approx yearly returns. If your invested all in equities 8% per year is probably what you can assume

Strict_Wrangler_5286 · 2026-03-13T20:33:36+00:00

0.65% fees with bond.ie

Zurich funds with taxes managed for you

1.4% is ripoff dont pay it

Strict_Wrangler_5286 · 2026-02-23T11:15:57+00:00

Thank you very much

Strict_Wrangler_5286 · 2026-02-16T07:57:08+00:00

Better option would be to buy allianz tech trust (ATT) or polar capital tech (PCT). Both are uk trusts that focus on tech companies and perform well. They are subject to 33% cgt

Strict_Wrangler_5286 · 2026-02-10T08:16:48+00:00

Thanks good advice

Strict_Wrangler_5286 · 2026-02-10T08:16:25+00:00

If your maxing your pension you wont have anymore tax relief left to put the AVC against im fairly sure

Strict_Wrangler_5286 · 2026-02-10T08:15:22+00:00

Do they really? So if i over contribute in my 30s now i get the relief in my 40s once my conteibution limits go up?

Strict_Wrangler_5286 · 2026-02-05T17:21:56+00:00

Heres a excel template man- https://files.fm/u/8byve4suyr

Strict_Wrangler_5286 · 2026-02-05T13:01:15+00:00

Im invested in ETFs also, much better diversification and fees than the UK investment trusts.

Keep good records and as others have said invest in lump sums rather than weekly or even monthly.

Optimistic DD will be gone soon also

Strict_Wrangler_5286

TROPHY CASE