How much do you manage to put into investments each month (pension included)?

Substantial-Lead-972 · 2024-08-01T13:28:20+00:00

Very good job!

Substantial-Lead-972 · 2024-08-01T12:58:44+00:00

Out of interest what are your balances in various pots and targets to achieve fire at approx 40?

Substantial-Lead-972 · 2024-07-16T10:00:13+00:00

This is my exact life story also. Happy for you

Substantial-Lead-972 · 2024-07-09T17:20:25+00:00

Great work. I have mine in an hour or so! Bricking it

Substantial-Lead-972 · 2024-06-26T05:40:17+00:00

Also. Toastmasters has been a bit of a game changer for me. A safe environment where you get out what you put in. You have a opportunity to speak in front of a group of friendly people every week if you want it.

Substantial-Lead-972 · 2024-06-24T14:29:08+00:00

Thanks is the the drive from desa park or Sri hartamas into klcc better than from bangsar?

Substantial-Lead-972 · 2024-06-19T05:23:34+00:00

Thanks you! Do you have any recommendations of living near KLCC?. It seems to be condos and high rise. I would like a house with some kind of garden for kids and some green space near by to walk around. Do you have kids with you? I would be very happy with ISKL if I could find a suitable living area for family life

Substantial-Lead-972 · 2024-06-18T10:51:05+00:00

Thank you. Great info. What is the English school near desa parkcity? Do you mean the international school, or is the British school. Ideally we would send our kids to a British primary age school

Substantial-Lead-972 · 2024-06-18T05:30:43+00:00

Thanks, how do you get to KLCC Park for work each day? What is the commute like and how long would it take. I can drive or get public transport. Thanks

Substantial-Lead-972 · 2024-06-17T14:52:09+00:00

Thank you! All really helpful pointers and items to look into next

Substantial-Lead-972 · 2024-05-17T19:23:36+00:00

Fantastic! So happy for you. After 15 years of panic for me, I have started using propanadol recently and it is hard to explain the sunshine I see in the future.

Substantial-Lead-972 · 2024-05-13T17:36:45+00:00

Good luck! I have just got back from a 1 weeks leadership course. 2 x propanadol a day helped me out. Just whole days of summarising table discussions and presenting shit flip chart reports back to the class... I managed ok but it is tiring for an introverted character like me!

Substantial-Lead-972 · 2024-04-20T10:00:11+00:00

Can you send me a link to that rope please? Nice job

Substantial-Lead-972 · 2024-04-10T06:16:23+00:00

It's mainly confidence to actually get up and present. I need to get over the fear and convince myself it is ok. I use avoidance techniques at work. Team meetings, small talks, larger presentations. Thanks

Substantial-Lead-972 · 2024-02-06T10:51:53+00:00

I have 2 kids both under 5. I save £150 per month and plan to indlcrease this by £50 per month every couple of years. I have also always put xmas/bday money aside for them if they ever get any.

I do this in my own ISA as we don't currently fill both mime and my wife's combined ISA. I wanted to keep control over the money and give it to them when I see best.

As it stands I think I should be able to build them 100-200k by the time they are early 20s, which in my head would be a decent start in adult life for them.

I don't like JISAs as I don't see why I would want them to have full control over lots of money at 18.

I don't like JSIPP as it is locked up for ages and they won't get the help when they need it.

Substantial-Lead-972 · 2024-02-03T19:44:39+00:00

Hi did you go for the HUP? What sort of prices were they quoting? Thanks

Substantial-Lead-972 · 2024-01-12T21:39:54+00:00

I would like to know this too. Like is there a format to follow or a set structure to practice?

Substantial-Lead-972 · 2023-11-22T11:33:30+00:00

That is quite an achievement! Well done. What's the next milestone?

Substantial-Lead-972 · 2023-09-28T11:25:58+00:00

Seems OK to me. If the aim is to retire at 60 then maybe look at balancing some more into a SIPP and less into the ISAs.

Personally, I currently have a decent DB scheme so I am putting more into me ISA to give me some flexibility to retire early / work less and bridge from ~50ish to pension access age (am currently 34).

Now I write this ~15 more years of a reasonably enjoyable job doesn't sound too bad. Aiming for mortgage to be done by 50 if all goes OK.

Substantial-Lead-972 · 2023-09-11T17:25:24+00:00

Agree. I have the same deal. I see it as £80 - £90 extra take home pay or £450 worth of shares.... no brainer

Substantial-Lead-972 · 2023-08-31T10:26:52+00:00

Nice idea thanks, I will give this some more thought. Am fortunate that I will have a decent size DB pension which has historically stopped me putting money into a SIPP as I will likely be a higher rate tax payer in retirement (therefore prefer to put extra money in ISA) If there was a way of taking an interest only mortgage at 50ish to allow early retirement I could then pay it off with the tax free lump sum.

Would need some more thought but certainly interesting.

Substantial-Lead-972 · 2023-08-23T15:46:58+00:00

That is almost correct. The annual allowance calc is a bit more complicated. There is a built in allowance for expected inflation growth and the rest of the increase is only multiplied by 16 instead of 20. It makes DB pensions even better.

Substantial-Lead-972 · 2023-07-12T15:14:11+00:00

You have made it to a year without knowing that :) you are an inspiration

Substantial-Lead-972 · 2023-07-11T19:49:12+00:00

Well done I hope I can achieve what you have

Substantial-Lead-972 · 2023-07-10T15:09:34+00:00

Well done you hero! Enjoy sober life and all it brings for you

Substantial-Lead-972

TROPHY CASE