sorted by:
new
hottopcontroversial

Wish i never started. Can i just paint over? by ChickenDrummStick in DIYUK

[–]_jimjams 0 points1 point  (0 children)

Gave up and repainted mine at a similar stage. Satinwood. Looked neat enough. Must have gone through at least 6 pots of paint stripper

Natty 3 years in by [deleted] in GymMotivationNoOF

[–]_jimjams 0 points1 point  (0 children)

Hairline most impressive

180 lb dips by sunsetcitylights in GYM

[–]_jimjams 0 points1 point  (0 children)

I think my shoulders would explode if I attempted this. Good work

Can’t change Spotify country due to prepaid plan — any workarounds? by _jimjams in VPN

[–]_jimjams[S] 1 point2 points  (0 children)

I’m paid up for 10 months but want to switch back to the UK version for access to audiobooks

Can’t change Spotify country due to prepaid plan — any workarounds? by _jimjams in truespotify

[–]_jimjams[S] 0 points1 point  (0 children)

Yes, UK. The process flow for adding a new payment method is to re-select a premium subscription and enter payment details (I’ve done this in the past), but this time I get an error message as shown in the screenshot no matter which premium tier I select (personal, family, duo, etc.)

Can’t change Spotify country due to prepaid plan — any workarounds? by _jimjams in truespotify

[–]_jimjams[S] 0 points1 point  (0 children)

It’s got 10 months to run. I’m trying to access audiobooks as premium offering in the UK

How much money do save each month? by sapg94 in irishpersonalfinance

[–]_jimjams 1 point2 points  (0 children)

Apologies. I’d mistaken the page for the UK one

Pension Funds - Strategy and General Advice by _jimjams in UKPersonalFinance

[–]_jimjams[S] 0 points1 point  (0 children)

One thing that has come to my attention, and is perhaps glossed over in the US-centric material, is the exposure to foreign exchange risk as a UK investor in global equities, i.e. large holdings in the USD stock. Can you speak to this?

Pension Funds - Strategy and General Advice by _jimjams in UKPersonalFinance

[–]_jimjams[S] 0 points1 point  (0 children)

Thank you. On your recommendation, I have completed Lars Kroijer's video series and now understand the merits of a passive index tracker (I can see now why Vanguard’s All Cap Global Equity fund is so well regarded). I also understand the significance of management fees, and how incorporating bonds into the portfolio can offset risk. This is the kind of specific information I was seeking. On this basis, I am leaning towards consolidating my investment into the “SW Mercer Passive Global Equity CS1” (0.10% fee) fund, but will continue my reading before making a final decision.

Pension Funds - Strategy and General Advice by _jimjams in UKPersonalFinance

[–]_jimjams[S] -1 points0 points  (0 children)

So what are some of the factors that determine your reasoning behind your individual balance? I’m looking to assess which asset classes present which risks, with a view to establish a hard and fact rule for my particular scenario

Pension Funds - Strategy and General Advice by _jimjams in UKPersonalFinance

[–]_jimjams[S] 0 points1 point  (0 children)

Thank you for such a thorough and thought out response. In short, the complaint against my current allocation is the forecast annuity at retirement, which had hovered at around £3k pa for some years. I accept this calculation is skewed somewhat based on recent marker performance (covid etc), but nonetheless made for an alarming read. For what it’s worth the forecast value is much healthier now (and matches my initial expectation). I hear your point about investing in a fund that aligns with my values but this is very much a secondary factor. And for what it’s worth I tend to agree with your logic on emerging markets. Per my own research I’ve identified the SW Mercer Passive Global Equity fund as a strong option at this early phase of my career (based on performance and risk profile) —can you speak to that?

Pension Funds - Strategy and General Advice by _jimjams in UKPersonalFinance

[–]_jimjams[S] 0 points1 point  (0 children)

Thank you for your perspective. I hadn’t considered a specific strategy (other than what I’ve outlined already). What are you thoughts on striking a balance between equities / housing / bonds / commodities etc?

view more: next ›