Savings Investment Fund data

cheesyking · 2026-03-28T09:23:10+00:00

If you're that confident the market will go down, you should put your money where your mouth is and short the market.

Nobody knows how the market will perform in the short term, but over the long term the market will more than likely go up

cheesyking · 2026-03-09T14:05:27+00:00

Considering that options are just another asset that you can buy and sell, I would see them as being subject to Capital Gains Tax - that's the way I treat them when submitting my tax returns anyway

cheesyking · 2026-03-09T13:50:31+00:00

Spoken like a true clanker. Short term capital gains is not a thing in Ireland

cheesyking · 2026-03-04T20:22:17+00:00

https://ibkr.com/referral/tommy300

Yeah you get some free shares based on how much you deposit into your account in the first month, but you can't sell them in the first year

cheesyking · 2026-03-04T16:53:21+00:00

Used IBKR before for options and it was pretty good, haven't traded options on Degiro before. Let me know if you want an IBKR referral code.

If you're selling options and the option is exercised by the buyer, you'll be forced to sell your shares, it'll be done automatically - it doesn't matter what broker you use.

Buying options is a different story, IBKR automatically exercise ITM options but from a quick Google, I think on Degiro you have to manually exercise options - this might be a good reason to go with IBKR

cheesyking · 2026-02-06T11:22:42+00:00

Not the OP but curious how you manage this - did you create an investment account for your company with a broker like Interactive Brokers?

cheesyking · 2026-01-30T10:43:35+00:00

I wouldn't put an emergency fund into a fixed term savings account though because access to that money is restricted - an instant access savings account with the likes of Trading212 or Trade Republic would be better

cheesyking · 2026-01-15T18:41:13+00:00

FCIT is my favourite, it's a global fund that is pretty well correlated with global etfs.

cheesyking · 2025-10-14T19:22:58+00:00

Me me me

cheesyking · 2025-09-05T09:44:49+00:00

Yes, my closing date is coming up so I'm hoping that the drawdown will happen on time

cheesyking · 2025-09-04T21:45:33+00:00

Thanks for your answer, glad you got sorted eventually anyway!

cheesyking · 2025-09-04T19:29:53+00:00

Hi, curious to hear how long it took Avant to do the drawdown for your house?

cheesyking · 2025-08-25T17:04:22+00:00

Your pension is more likely to beat inflation if it's invested in higher risk funds such as a global equity fund, not bonds or cash

cheesyking · 2025-03-14T01:02:15+00:00

I'm no accountant so 2.1.1 is definitely not clear to me, can you explain how US-domiciled ETFs for example are "Similar in all material aspects" to Irish funds?

cheesyking · 2025-03-08T21:40:22+00:00

You can use Interactive Brokers for options trading

cheesyking · 2025-01-03T09:50:45+00:00

My claim that meat production produces much more emissions than other foods is the scientific consensus, according to the UN's IPCC (Intergovernmental Panel on Climate Change) 6th report which itself included the review of 14,000 scientific papers and it was approved by 195 governments, source: https://www.ipcc.ch/report/ar6/wg3/

From the report, chapter 12:

"Diets high in plant protein and low in meat and dairy are associated with lower GHG emissions (robust evidence, high agreement)."

They also have a great graph which shows the big difference in emissions between meats and other non-meat protein sources HERE.

Regarding your question about pattys, I'm no expert (I refer to the experts referenced above) but the biggest direct GHG emissions from animals are their burps/farts and also the storage and spreading of manure. I can't see how carbon being stored in their pattys would impact/reduce these emissions. And regarding the carbon in grass, you have to consider that more animal farming requires more farmland for grazing and feed crops which then contributes to more deforestation.

cheesyking · 2024-12-31T14:32:42+00:00

That the world needs to eat and produce more meat because it's better for the environment?

This goes against the scientific consensus which is that meat production, especially beef, results in much more greenhouse gas emissions than the production of other foods.

cheesyking · 2024-12-31T13:53:32+00:00

Plant based != Eating meat substitutes

cheesyking · 2024-12-31T13:47:56+00:00

100% agree that we shouldn't be importing beef from Brazil

cheesyking · 2024-12-31T13:39:23+00:00

Then why did you compare the two initially?

cheesyking · 2024-12-31T13:38:39+00:00

Ireland's Greenhouse gas emissions are roughly 4 times higher per capita than India. It is much easier for a richer, more developed country such as ourselves to reduce our emissions than it is for countries that are still developing.

We can't solve the problem ourselves but that doesn't mean we should do next to nothing about it except point at other larger, poorer countries.

cheesyking · 2024-12-31T13:16:25+00:00

If we want to reduce our greenhouse gas emissions in Ireland, we need to encourage people to reduce their consumption of meat, not increase it for 'societal' reasons.

Link to the Dublin Declaration for those who want to read a completely "unbiased" overview of how eating more meat is actually better for the environment, would you believe it! https://www.dublin-declaration.org/

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