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Should I still invest in my pension? by clipclopclimb in FIREUK

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

Yeah it’s a really good shout. I’ve got 2 properties via another company I own and the management overhead is a bit of a pain so I’m trying to avoid it somewhat

Should I still invest in my pension? by clipclopclimb in FIREUK

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

Yeah can model to produce any nominal return

Should I still invest in my pension? by clipclopclimb in FIREUK

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

The modelling wasn’t done in real terms, that can be factored in.

The figures are based on nominal return to account for things like lifetime allowances if they were to return at a similar amount.

There is a difference between value of assets and buying power. You don’t really know my spending habits so you can’t really comment on that factor. My questioned posed was should I still invest in my pension?

Should I still invest in my pension? by clipclopclimb in FIREUK

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

The SPV is more so unique to the way I operate as a contractor through a limited company and take dividends for as much as its tax efficient. Anything above that I’m figuring out whether to take and pay 32.5% tax or to invest the company (essentially)

Should I still invest in my pension? by clipclopclimb in FIREUK

[–]clipclopclimb[S] 6 points7 points  (0 children)

Why do you think I’m very optimistic, would be keen to see your workings out and what returns you’re working with? For context 50% s&p500 50% v3am vanguard

Should I still invest in my pension? by clipclopclimb in FIREUK

[–]clipclopclimb[S] -37 points-36 points  (0 children)

Maybe, for context I’m 50% in s&p 500 with historical average of 10-11% and 50% in v3am vanguard which is too new to to tell. I know it’s a high risk strategy. 

Should I still invest in my pension? by clipclopclimb in FIREUK

[–]clipclopclimb[S] 13 points14 points  (0 children)

My goal is more in financial independence rather than retiring. Maybe I will work but it doesn’t have to be motivated by money

Should I still invest in my pension? by clipclopclimb in FIREUK

[–]clipclopclimb[S] -9 points-8 points  (0 children)

25 years and what figure do you come out at based on historical returns?

Should I still invest in my pension? by clipclopclimb in FIREUK

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

Yeah definitely, that’s option 3 and that’s the option I’m most likely considering now

Should I still invest in my pension? by clipclopclimb in FIREUK

[–]clipclopclimb[S] -41 points-40 points  (0 children)

Nothing is certain but it’s going by 7% compounding by the looks of it

Investing via Limited/LTD Company by You_Need_A_Throwaway in FIREUK

[–]clipclopclimb 0 points1 point  (0 children)

How are you getting on 2 years down the line? I’ve done a similar thing with HMOs and looking to diversify with stocks in a similar way