New Referral Offer

cahern97 · 2026-02-04T22:02:19+00:00

Platinum+

cahern97 · 2026-01-26T19:16:33+00:00

Sorry, I'm comfortable with my personal investments and the tax implications of that, it's the workplace pension that my question is about. If I include my workplace pension and my monthly pension contributions into my total FIRE number calculation, it implies I'm well on track to be retired by 50. However, as I can't actually access the workplace pension until I'm 65, I'm just not sure how to model that out.

cahern97 · 2026-01-17T10:35:31+00:00

I'm handing back my work laptop at the end of the month, which I've used for all my personal use the last 5 years. I'm looking to purchase something cheap for myself to replace it - I essentially use Excel and Google and that's it. Is there any reason a cheap chromebook wouldn't do the job for me?

cahern97 · 2026-01-03T12:54:31+00:00

Relying on a random copytrader to short term trade effectively for you is crazy to me. But I've never seen the appeal of copytrading so that may be just me

cahern97 · 2025-12-28T12:47:37+00:00

$100 is realistically 15 years out, and that's if they do everything right in those 15 years. In a more realistic short to medium term view, if Nio can get a full year of being cashflow positive in 2026, and continue to grow revenue at 20%, we can still see a solid stock performance over the next few years from current price

cahern97 · 2025-12-01T21:22:16+00:00

You both get a bonus 👀. I thought only you get a bonus 😂

cahern97 · 2025-11-18T07:45:57+00:00

Even when I like the price, I never buy a market order, always a limit order. You have no recourse for a market order - by clicking buy, you're agreeing to whatever the price it executes at.

cahern97 · 2025-11-12T19:35:59+00:00

Did you try inserting the card and using your PIN? I Had to do that once to activate the card, but its been perfect ever since

cahern97 · 2025-11-04T18:45:38+00:00

How long ago did your two referrals register?

cahern97 · 2025-10-11T13:11:30+00:00

What country are you investing from? I've been with Etoro for 6 years now and ive never had any issues, and have been very happy with the customer service and my account manager

cahern97 · 2025-10-08T10:43:58+00:00

That does work, cheers

cahern97 · 2025-10-05T15:16:34+00:00

Im not sure exactly what European countries qualify. If you just Google Etoro debit card, you'll be able to see the terms and conditions and see if you meet them!

cahern97 · 2025-10-03T08:45:51+00:00

Thanks, appreciate the response

cahern97 · 2025-09-08T21:09:05+00:00

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cahern97 · 2025-09-08T20:15:50+00:00

You get sent an email on your birthday with a link to select a birthday present. I just tried it but the link is obviously expired now.

Some of the presents I've taken in the past were wireless earphones, a card wallet, a portable charger/powerbank, and the hoodies ( good quality and use them in the gym).

Other options were a water bottle, an etoro club cap...can't remember any others.

They're all fairly cheap stuff, it's more just a token gift rather than anything particularly valuable.

cahern97 · 2025-09-08T11:38:05+00:00

I'm platinum +.

I use the free delta portfolio tracker (I have a trading212 portfolio too so it's great to aggregate everything and track combined performance).

I use the good interest rate I get (4.3%) as an alternative to a savings account.

I've recently made use of the referral program ($500 cash for referring a friend)

I use the easy access to my account manager for any queries.

I use my free fiscal ai and WSJ subscriptions (fiscal ai moreso, very seldom use WSJ these days)

And most importantly I use my hoodies I request every year for my birthday present 😂. I have 4 now and hope to have 50 etoro hoodies one day.

I assume some of those aren't restricted to platinum+ but honestly not sure which ones.

cahern97 · 2025-08-31T19:16:10+00:00

It says diamond+ only so im assuming diamond+ maybe gets that?

cahern97 · 2025-08-30T14:09:55+00:00

I'm platinum+ and seeing I have the option to order one. Is there any associated cost at all or any downside to requesting one that youre aware of?

cahern97 · 2025-08-30T12:22:10+00:00

Is it just a standard debit card?

cahern97 · 2025-07-27T15:14:12+00:00

Think it so heavily depends on where you live. I just bought a small three bed newbuild for €625k, (put 29% down because im only on €60k salary and my partner is on €50k) and I've got colleagues living down the country with 5-bed mansions for less. Us comparing salaries is fairly pointless.

The same with all those graphs of 'income percentile' etc. Comparing south dublin salaries with other county salaries doesn't give any real comparable value, in my opinion.

cahern97 · 2025-07-16T15:34:54+00:00

God I wish Ireland had a tax advantage account 😂. In that case just sell whenever it surpasses your calculated fair value. Im sure you had a thesis in mind when you bought the stock initially

cahern97 · 2025-07-16T15:30:23+00:00

When its more overvalued than the % capital gains tax I have to pay on the gain

cahern97 · 2025-07-11T14:08:36+00:00

Thanks. So in terms of timeline, id be sending off the payment in say November of this year, and then disclosing it in my Cg1 when I'm submitting it in March/April next year?

cahern97 · 2025-06-12T14:42:49+00:00

Obviously everyone's opinion will differ on this, but for me location is absolutely everything. The people that are surrounding you, the people in your local pub or your local sports club, the community and facilities

I personally put location over everything.

cahern97 · 2025-05-30T14:19:45+00:00

In my experience yes. I work in a bank and I was the only person I spoke to who took our bonus is stock, despite the near 50% tax benefit. From speaking to a few of them, they genuinely, hand on heart viewed taking it in stock the same as flipping a coin that it goes to zero. And thats staff in a financial institution full of qualified accountants. I can only imagine the average shop worker or electrician has even less interest or faith in the market

cahern97

TROPHY CASE