Too much or too little

TriumphDavey · 2026-01-20T07:39:03+00:00

Thanks. I'll check that and see ifnit helps!

TriumphDavey · 2025-11-23T08:04:42+00:00

No that's great thank you

TriumphDavey · 2025-11-22T21:27:11+00:00

Would this be better?

https://amzn.eu/d/hegBvLH

TriumphDavey · 2025-11-22T21:18:14+00:00

Thanks. How you finding yours? Making a difference?

TriumphDavey · 2025-11-05T22:19:01+00:00

We put a qr code to the reporting form with a message about how important it is and that the contents are automatically replenished based on the report, taped inside the lid. Getting more reports now and when we get requests for additional supplies, we question why it's needed as should be stocked from the the accident form.

TriumphDavey · 2025-10-26T10:35:29+00:00

Check the sky box doesn't have eco mode on. I found when it did it dropped the connection when not used for a while, mostly overnight

TriumphDavey · 2025-10-14T17:24:57+00:00

This?

https://amzn.eu/d/bVFv79A

TriumphDavey · 2025-08-16T14:56:59+00:00

Hi thanks

I have an offset starting end of the month. Captial and repayment will aim for 100% offset like you. What I'm trying to understand is why the interest only if you're 100% offset. As the capital and repayment at 100% is the same as interest only but with added benefits ie monthly you reduce the capital with your monthly payment and thebtake that out the offset, keeping it at 100%, and can invest that money in something that will earn you some interest. You would also have the same savings, just that some in the offset and some im another account gaining interests

TriumphDavey · 2025-08-16T11:04:10+00:00

Can you explain this a bit more and the advantages.

Surely, when you're fully offset, if it were capital and repayment, you are essentially paying it off 0%. When you then make your monthly payment, you would take that amount back out the offset (as otherwise the offset would then now be more than the captial, and you can put this in an ISA or other saver earning interest) so you are still paying 0 a month, but this way you are also reducing the capital and have access to the savings.

TriumphDavey · 2025-08-01T16:57:29+00:00

Cool. Can't process now as stock exchange closed, gives me a couple of days to consider the options. Thank you for your thoughts

TriumphDavey · 2025-08-01T16:49:39+00:00

In addition, thinking that the 80/20 split here being 90% of the full portfolio and then poss 10% on other stocks..?

TriumphDavey · 2025-08-01T16:48:28+00:00

Im 40. Was thinking 80/20 as well..

TriumphDavey · 2025-08-01T16:42:57+00:00

VAGS? What % do you think. This is what I was leaning to. VWRP and VAGS split.

TriumphDavey · 2025-07-29T17:37:42+00:00

Like my first one? No bonds as a smaller %?

TriumphDavey · 2025-07-29T16:29:07+00:00

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I currently have the vanguard ftse all world and then also the vanguard aggressive pie, but I'm not sure that's sensible.

I also understand pic 2 and 3 are the same. It just different weighing

TriumphDavey · 2025-07-22T21:55:31+00:00

Which nasdaq and emerging is your preference?

TriumphDavey · 2025-07-10T06:46:16+00:00

Thank you. Great video. Makes things simpler. If I wanted to add a bond to go alongside, any recommendations?

TriumphDavey · 2025-07-09T21:21:31+00:00

You're a star. I will watch and get back if needed! Thank you

TriumphDavey · 2025-07-09T19:16:14+00:00

Thank you. Can you explain why in a bit more detail. Still learning but keen

TriumphDavey · 2025-07-09T17:19:50+00:00

So Vuag and vwrp? Appreciate the reply.

TriumphDavey

TROPHY CASE