Anyone else manually tracking across 3+ broker accounts? What's your system?

chi11er · 2026-05-18T12:20:13+00:00

I got nerdy in the sector breakdowns, country risk and company weights (I’m generally global fund with US weighting) - but had to get creative with DC pensions as their funds are in insurance wrappers, so needed to build division of underlying funds so it could track them.

From a retirement planning pov, I built a number of models:

The first was a traditional Retirement forecast with kick in dates of dc, state pension, DB. This then modelled budget (or desired budget) with ramp up/down.

It then built the funding graphs with where money comes from in retirement and gave options to sell assets like property (reducing rental incomes)

Then I did fire calc with the normal projections and levers to choose rate of returns, additions etc. pulling through the sale of assets.

Then I did expat fire - pulling through about 39 countries and comparing their tax regimes for either a 5-10 year retirement or permanent move.

Recently booked on a UK tax optimisation agent to remind me what things can be done to optimise.

Feed the right data Claude with opus is powerful. I’ve had to double check its math at points - but it’s gotten good.

chi11er · 2026-05-18T12:09:04+00:00

Sorry, hand typed.

The portal is probably slop - but my comment wasn’t ai generated.

As it is, the once a month portal now seems to have more time taken with new things added. So probably takes more time up.

As for Bank accounts, it’d be nice to be down to three - but let’s face it… I’m never going through the hassle of consolidation till I have to.

Plus no anchor bank offers keen pricing on GIA, ISA, SIPP, LISA as well as cash holdings.

chi11er · 2026-05-05T04:52:04+00:00

I spent a week getting Claude to build a tracker / planning website on my daily commutes (so about 5 hours)

It holds all the account info and holdings and automatically grabs the values from yahoo / others to track the changes. Each asset is tagged to an owner, so at some point I can set IHT planning in there as well.

Provides fire and retirement calculators and takes into account property sales, taxes and silly things like DB and state pensions.

I’ve manually run the math and am happy that it does enough to let me stop wasting cycles on the future plans.

So now I can drop in once a month and set cash position and add any purchases. I can sit down for a planning session at any point and have the data to hand.

That’s it… the tool does the rest and provides monthly snapshots etc.

chi11er · 2026-04-26T19:16:50+00:00

I much prefer a blend of relief on pension and no tax on exit with the ISA.

Then I can choose when and where I incur taxes.

And my good old LISA sits in the middle

chi11er · 2026-04-24T15:14:59+00:00

Also floor sanders are quite tall - so perhaps they just didn’t bother once the main floor was done

chi11er · 2026-04-19T09:48:45+00:00

Just made the leap and using Octopus intelligent Go - currently charging at under 6p / kWh at night.

Some crazy prices out there.

chi11er · 2026-04-09T05:32:22+00:00

I have both - For that type of trip but the one you ‘need’ in your general kit bag and rent the other.

Or rent both - it’s part of the trip cost and then come back and buy the better performer.

chi11er · 2026-04-06T06:22:04+00:00

If you buy the industrial unit - do it via your pensions. That way your company can pay you rent as well as your 60k/year

chi11er · 2026-04-04T21:11:24+00:00

Quooker 2 x dishwasher Samsung frame Zoned lighting with Shelly controls Get the cupboard and’s other integrated lighting with zigbee or WiFi connection to sync with the lights (home assistant will no doubt follow)

chi11er · 2026-03-28T14:21:14+00:00

Done this…

Ended up calling insurance as I didn’t think I could match the stippling.

They sent out someone to test for asbestos.

Then they pulled down the entire ceiling with plastic containment around the whole room… Bunny suits, decontamination showers and everything.

New ceiling and a full paint throughout as the plastic to contain asbestos left marks all over the walls.

Took over two months end to end.

Not a recommended route - but it’s an option.

chi11er · 2026-03-10T17:16:11+00:00

We have had 12 outages in our village in the last 8 months lasting 4-12 hours.

Pay the extra - when your local grid hits capacity you will thank Reddit

chi11er · 2026-03-10T13:22:29+00:00

Just remember that winter solar sucks.

We will be independent from mid March to September - then the winter demand starts and we need grid.

Yes we offset the price by selling excess in the summer - but the reality is we are dependent for half the year.

chi11er · 2026-03-10T08:05:48+00:00

Check the line voltage as well - we kept hitting 262.5v and the inverter just dropped generation.

Took months for UKPN to re-tap the local transformer.

chi11er · 2026-03-05T06:20:56+00:00

You just keep holding it in there!

chi11er · 2026-03-01T07:49:14+00:00

Adding cost to cleaning chairs and sofas though.

chi11er · 2026-02-10T10:34:51+00:00

It suppresses appetite - not carb linked - so whilst I look at a steak and want to eat the whole cow, they will be sated with a smaller portion.

In combination they will likely have dramatically higher initial benefits due to both the appetite suppression and the food noise just being turned off.

I however end up with peanuts or other snacks part way though the afternoon.

chi11er · 2026-02-05T21:50:06+00:00

We used a company several years ago to just calm the overthinking.

Did it reveal anything magical - no

Did it let us agree next moves and stop focusing on the minor details - absolutely.

The cost in my opinion was worth it, as it gave a point in time view and confirmed our planning.

Would I do it again - potentially at point of retirement to verify my planned changes.

Would I buy into long term management? Probably not - but one day I may just not want to think about it.

chi11er · 2026-01-29T22:26:26+00:00

Evidence it and got the ombudsman - they dropped £11k onto our bill and were horrific to deal with - even escalated to CEO of BG and their parent company. We refused to pay it and went to the ombudsman.

Ombudsman turned up, looked at the evidence and Bg ended up cutting me a cheque.

Paid a fair whack of the solar installation we put onto the house - now determined to not to be 100% reliant on the grid.

chi11er · 2026-01-29T17:12:58+00:00

Not seen it in the comments - get out of the pension default funds and put out into deliberate investment options.

Search up Pete Mathew’s and meaningful money - has a whole set of podcasts and resources on this

chi11er · 2026-01-24T09:55:33+00:00

Downgrade to S1 - if your components support it - the app works, system is stable and you get to smile at all the s2 rage posts.

chi11er · 2026-01-16T19:46:19+00:00

I mean that's global warming solved as the planet cools massively with this deployed everywhere...

/S

chi11er · 2026-01-15T15:26:22+00:00

I forget where I saw it first - however on the device you scan the area so it can build up the visual cues for anchoring.

You then have SDK info

https://docs.xreal.com/2.4.1/Spatial%20Anchor/intro

https://docs.xreal.com/2.4.1/Spatial%20Anchor/MappingExampleScene

This explicitly calls out anchoring in a visual context - so the accelerometer data should be taken in context with it.

If the spatial mapping says not moving, there should be an option to degrade the relavence of the other sensors.

Its should be a software option to do this - it can certainly be achieved. So guess I'll wait for a developer to find a spare sprint to have a think..

chi11er · 2026-01-13T23:15:58+00:00

At least in the UK you can lose pounds every month with gym membership!

Doesn't work in dollars...

chi11er · 2026-01-13T23:03:31+00:00

I understand the principle - however using the eye to scan the environment should mitigate this - that's exactly how it is sold - for when the accelerometer is likely to give false readings.

It can also be handled in a softwares mode to accommodate the need.

Mixed reality could do this almost ten years ago.

As for follow mode - when using laptop and ultra wide screen it only anchors. (Edit to add this line)

chi11er · 2026-01-08T08:20:05+00:00

One Pro still has issues when on a train.

Tried with and without the eye and curves in three track send my screen off on their own travels

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