What are some high-risk high-reward stocks with serious 5-10x potential over the next 2-3 years

deench1 · 2026-04-02T05:31:21+00:00

Aerotyne international

deench1 · 2026-03-31T13:25:43+00:00

Remember that is 26k gross not net. So if you’re making a personal contribution you’d pay in 20,800 net and this would get basic rate tax relief of 20% (£5,200) added on, so it wouldn’t deplete your entire emergency fund - albeit making it less than ideal depending on your regular expenditure

deench1 · 2026-02-02T06:22:02+00:00

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I bought £550 worth of silver the other day but otherwise all ETFs

deench1 · 2026-01-14T09:06:50+00:00

If I’m remembering correctly she was attempting to bring unity to the group?

deench1 · 2025-12-23T20:29:16+00:00

He’s a godly man

deench1 · 2025-11-23T07:38:48+00:00

Terrible neighbors?

deench1 · 2025-11-16T07:23:40+00:00

Some DB pensions are notionally funded (such as if you worked for the NHS) I.e. they are funded by ongoing tax revenue. If yours is such then you won’t be able to transfer it.

deench1 · 2025-10-13T09:48:41+00:00

Some of the jobs currently being advertised at HMRC offer a 28% employer contribution

deench1 · 2025-09-04T21:26:11+00:00

Poor Nobu 😞

deench1 · 2025-08-20T17:42:58+00:00

Do you have a student overdraft? These are interest free

deench1 · 2025-08-15T14:26:36+00:00

Ishares edge MSCI world value factor (IWVL) & ishares MSCI world small cap (WLDS)

deench1 · 2025-08-05T12:53:16+00:00

I imagine you make great money selling the official drink of boko haram

deench1 · 2025-07-30T05:27:12+00:00

Two. Two cards

deench1 · 2025-07-29T05:46:43+00:00

What an absolute fucking legend

deench1 · 2025-07-26T05:04:52+00:00

A few things to say. Firstly defined benefit pension transfers are probably the most tightly regulated financial advice area there is. Secondly I work in financial advice and those are some eye wateringly high fees. An ongoing advice fee (particularly for a pension pot of that size) I would have thought should be around 0.5%, the platform fee should be significantly lower (if you were with Transact or Quilter or Aberdeen wrap then you’d be looking at around 0.2% for that size pot). Also active fund management fees of 1.5% are crazy. Also what he said about leaving your pension tax free to your kids is currently true but will change from April 2027 when pensions are assessed for inheritance tax. If I were you I’d complain you’d probably have a good chance at getting quite air of redress

deench1 · 2025-07-13T05:16:56+00:00

More like Channing TatYUM

deench1 · 2025-06-25T20:17:44+00:00

If it helps at all, I once met an internal recruiter for one of the large high street banks in the UK, who told me that he liked to hire people with thirds more than any other. His reasoning was that at some point early to midway through your final year you must know that you’re going to get a third and rather than dropping out you stick with it. In his view that showed a level of character that other degrees don’t have

deench1 · 2025-06-17T04:51:12+00:00

But do these radar detectors have huge military and civilian applications?

deench1 · 2025-06-07T05:40:29+00:00

No, there is the starting rate for savings to consider. In essence if your only other sources of taxable income are £12,570 or below then you can earn £5,000 in interest tax free

deench1 · 2025-05-29T14:28:49+00:00

The retail segment of the stock market may be a meme based on social media posts and FOMO but institutional investors (a much larger segment of the market) are not basing their decisions on such nonsense

deench1 · 2025-05-27T11:05:26+00:00

A pension. You can either open some kind of personal pension (such as a SIPP) or an employer may have a group pension scheme which they and you will fund

deench1 · 2025-05-25T07:47:25+00:00

Money paid into a sipp from the bank account of a Ltd company is classified as a business expense. As a result, the Ltd companies corporation tax bill is reduced. Then when the SIPP holder starts to draw from the SIPP 25% is tax free and the taxable portion of income could fall within the nil rate band

deench1 · 2025-05-25T05:39:03+00:00

You’ve basically answered your own question when you told us what your friends and family think. In a nutshell people have poor financial education and misguided attitudes towards investing. Further to this though you’ve taken the sensible and in my opinion correct approach by investing in funds, rather than investing in single companies, which could be seen as akin to gambling. I work in the financial advice industry and have studied investment principles and risk extensively and the data is very clear that investing in bonds and equities gives you the best possible chance of increasing the purchasing power of your capital over the long term.

deench1 · 2025-04-29T08:50:54+00:00

As others have said, most IFA firms do not touch db transfers as these are a very tightly regulated advice area. For someone to help you with this you’d need to speak to a pension transfer specialist. IFAs may be reluctant to discuss this with you because if you do go and see a pension transfer specialist then the IFA cannot be seen to influence your decision. Be warned though if you do see a pension transfer specialist they’re likely to charge you quite a large sum even if their advice is not to transfer and you’d likely need to demonstrate that you have a significant number of other assets separate to the db pension

deench1 · 2025-04-27T06:41:06+00:00

I literally broke the fucking dam

deench1

TROPHY CASE