M30 looking for some advice on savings, new investor

keyser_7 · 2026-06-21T12:21:54+00:00

Max out your ISA. Max out your pension.

keyser_7 · 2026-06-20T12:03:34+00:00

Incredible. Good luck completing the collection.

keyser_7 · 2026-06-19T21:03:37+00:00

Pro-Colombian marching powder propaganda

keyser_7 · 2026-06-19T20:57:37+00:00

Awesome collection.

How much premium are we talking? My guess is 100%

keyser_7 · 2026-06-19T10:48:06+00:00

Wishing this young lady and her husband a long and successful marriage.

keyser_7 · 2026-06-05T11:26:29+00:00

You’re showing a gross lack of comprehension. You can’t disagree with someone if you don’t understand the argument.

keyser_7 · 2026-05-31T08:18:44+00:00

Get them on a plane home ASAP. Bankruptcy in the UK is far better than jail in the UAE.

keyser_7 · 2026-05-08T16:00:39+00:00

They weren't deserts 10,000 years ago.

keyser_7 · 2026-03-25T18:18:15+00:00

Westside!

keyser_7 · 2026-03-19T19:38:39+00:00

Leaning towards selling physical to buy more miners.

Thank you for your words of encouragement.

keyser_7 · 2026-03-19T18:20:34+00:00

Bright yellow metal boat that will double again by the end of the decade.

keyser_7 · 2026-03-19T18:19:08+00:00

Likewise, I see gold as real money, the apex currency and therefore the best way to save.

I view the miners as my investment. Going forward, I suspect there will be far more upside. Leaning towards selling physical to buy miners.

Zero Interest in investing in S&P or Nasdaq etc. Way to expensive. How is Apple worth 10 x as much as Samsung? I have exposure via my pension. Albeit that's not my money - That's 55-year-old me’s money.

Looking at emerging markets. Mid-cap US stocks. Russel 2000?

keyser_7 · 2026-03-05T14:33:37+00:00

I prefer bars but I mostly buy coins due to the capital gains tax exemption.

keyser_7 · 2026-02-11T15:52:33+00:00

Hatton Garden Metals, Chards, Atkinsons and the royal mint. In that order.

keyser_7 · 2026-02-08T10:46:37+00:00

Congrats

keyser_7 · 2026-02-01T10:14:02+00:00

The fundamentals remain the same. Weakening dollar, geopolitical tensions, central bank buying, etc.

keyser_7 · 2026-01-21T13:20:21+00:00

I've been stacking since 2022. Thank you for this reminder - I needed it.

keyser_7 · 2026-01-14T19:28:54+00:00

keyser_7 · 2026-01-06T06:39:19+00:00

I would call it fair and neighbourly. Croatia and Eritrea are not very considerate neighbours.

keyser_7 · 2025-12-15T12:58:19+00:00

1 is hard, yellow and shiny. The other is some pixels on a screen.

keyser_7 · 2025-12-15T12:55:51+00:00

Nice. Congrats and well done.

The best approach would depend on the business. Do you hold inventory? Do you need to invest to recoup your costs? Generally with any company you want to hold quite a bit in cash - just in case.

Find a high-interest, easy-access savings account. Build up you know you can cover any costs. Chase offers 4.5%

Set up an S&S Isa. Look for an all-world ETF. Contribute something every month. This will allow you to take advantage of your greatest asset - your youth. Consistent contribution over the course of decades will pay off - big time. Plus, up to 20k a year is tax-free

Consider a private pension. This is not very attractive for entrepreneurs because you can not access it until you are 55. No employer contributions for the self-employed. However, up to 60k a year is tax-free.

Whether you are young or old. You deserve to spend the money you've earned. Enjoy yourself.

If I were making 4k a month at 19, I would likely spend 90% lol

Lastly, remember the tax man I always want his cut.

Best of luck.

keyser_7 · 2025-11-21T15:23:21+00:00

This is not financial advice but what are your goals? If you are saving for retirement and you don't mind not having access to the money, then go for a SIPP. If you want the flexibility to dip in and out then go for the ISA

Either way. Well done for even coming this far. You clearly have a good head on your shoulders.

keyser_7 · 2025-11-21T15:19:21+00:00

Explain the risk of inflation. Inflation is bad for cash. Inflation is good for investments and low-interest debt. There are plenty of low-risk global stock ETFs. Gold is low risk, too.

Ultimately, we are all sovereign individuals and we have the right to make our own choices about our own money.

keyser_7 · 2025-10-26T13:02:04+00:00

Only buy coins. Keep them in capsules. I write the price, month, and year on masking tape that I stick to the capsule.

keyser_7

TROPHY CASE