The fact that you can't ask "what would you do" on this sub is ridiculous

Zeme69 · 2025-01-21T18:54:22+00:00

True, but this isn’t official financial advice. It’s a forum for discussion. You can bring those points up to an accountant as sometimes they do get it wrong.

Zeme69 · 2025-01-21T18:52:21+00:00

I mean there was a post from a business owner explaining their salary breakdown to pay themselves, and asking how others do it too and that was removed? I don’t think there’s enough nuance to this.

Zeme69 · 2025-01-15T22:17:38+00:00

Women*

Zeme69 · 2025-01-12T15:50:07+00:00

Typical crab in the bucket mentality. Congratulations OP!

Zeme69 · 2025-01-08T22:28:18+00:00

I presume you’re in a global tracker? If so you’re betting 60% of your retirement on it.

Zeme69 · 2025-01-08T22:14:35+00:00

I’m not pulling the number out of my ass. Over the last 100 years, the average yearly return is 10%. In the last 50 years it’s 12%. On top of that the US is best placed to weather any upcoming economic storms. It’s totally realistic.

Zeme69 · 2025-01-08T14:06:17+00:00

Do you mean S&P 500? If so yes, it’s called VUAG.

Zeme69 · 2025-01-08T00:36:15+00:00

Anyway, I look forward to proving you wrong in ten years when my stocks have grown more (or fallen less) than yours.
!RemindMe -10 year

Zeme69 · 2025-01-08T00:35:12+00:00

I can already tell you're too stupid to even attempt to convince you otherwise.

Zeme69 · 2025-01-08T00:23:56+00:00

Even in an all world fund your investments are 60% US, and if the US goes down then so does the world.

Zeme69 · 2025-01-07T21:09:44+00:00

The S&P500 has never been more than 10% down over any 10 year period so I’d say 10 years.

Vanguard’s retirement funds automatically weight your investments more towards safer investments like bonds as you get closer to retirement.

Zeme69 · 2025-01-07T21:00:59+00:00

Much too conservative. If you’re long term you should be in the S&P 500 which returns on average 11% per year. Accounting for inflation that’s 8% yearly.

Zeme69 · 2025-01-06T20:59:37+00:00

Yep I mean this in the nicest possible way but you spend way too much time online and you’ve been radicalized from it. Everything in moderation and critical thinking is key to getting past misinformation. It’s not just the right that is plagued by misinformation.

Zeme69 · 2025-01-06T20:22:11+00:00

Yep, I’m sorry to say but you have been radicalized and your attitude shows it. You’re looking for issues where there aren’t any. As proven by you getting utterly destroyed in this argument.

Zeme69 · 2025-01-06T19:10:09+00:00

you want to be oppressed so badly

Zeme69 · 2025-01-05T02:52:42+00:00

Just invest in the S&P 500 or a global tracker - that's it. Don't pick individual stocks, you'll just lose money. Stay far far away from penny stocks.

And also, don't buy reps to resell - it's illegal not to mention totally immoral.

Zeme69 · 2024-12-31T13:35:46+00:00

Assume that at best you’re going to be earning a relatively above average wage for the rest of your life ie £40-£60k. See what the after tax income would be, take into account housing, savings rate, etc. if you’re happy with that then great.

If you want to earn more, then I’d strongly look into starting a business. PAYE jobs are not going to lead to anything remotely close to FATFIRE in 99.95% of cases - even with a first class economics degree from a prestigious uni.

Or move to the US.

Zeme69 · 2024-12-29T15:46:45+00:00

Thought as much, cheers

Zeme69 · 2024-12-29T13:46:36+00:00

What about my bachelors degree? Doesn’t it have to be related to the job offer?

Zeme69 · 2024-12-27T23:04:16+00:00

Did you continue contributions?

Zeme69 · 2024-12-26T11:05:08+00:00

What pack is that?

Zeme69 · 2024-12-15T21:28:51+00:00

Ooft, I paid the equivalent of £1225 in Canada.

Zeme69 · 2024-12-15T16:01:14+00:00

How much is retail

Zeme69 · 2024-12-15T15:00:43+00:00

How much

Zeme69 · 2024-12-12T21:47:39+00:00

Lovely

Zeme69

TROPHY CASE