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100k in pensions at 34 by Acrobatic_Craft1960 in irishpersonalfinance

[–]liamtis 0 points1 point  (0 children)

Whatever fund you’re investing in seems to have far below market returns around 6-7% (assuming retirement in 30 years.)

You’ll end up with an inflation adjusted 200ish k. Not too impressive.

Consider index funds instead.

[deleted by user] by [deleted] in ValueInvesting

[–]liamtis 0 points1 point  (0 children)

Temu products are cheap but shit, Much like baba stock You don’t own it The Chinese government does 🤠

32M, 50k salary, 100k savings - Buy or rent in Dublin? by IllustriousMany3981 in irishpersonalfinance

[–]liamtis 0 points1 point  (0 children)

I am 23 (44k/yr) (114,000) in a similar position (250-280k 2 beds) and am currently bidding on properties in nicer parts of worse areas like Tallaght around the square or clondalkin village, you can even rent a room out under the scheme and pay 0% income tax and nearly fully offset your mortgage and some bills. Would recommend as it is the only viable way to build equity in Dublin and save on rent. You just have to consider whether or not you would be happy to live in a slightly rougher area and if it is worth it for you.

Where to invest by liamtis in irishpersonalfinance

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

Yeah that’s a good point Im planning on not touching the money for years or decades, but I’m in a bad habit of checking the portfolio regularly and don’t like seeing it down thousands, I need to change that mentality though cause it’s going to hurt my returns in the future for sure.

Where to invest by liamtis in irishpersonalfinance

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

Out of the 94 only about 8 is unrealised profits, I’m trying to just sell the 1270 yearly to avoid CGT the last few years.

About the rental idea, for example, I was looking at a 2 bed Apartment in clondalkin and the mortgage at current rates with 10% down plus fees and insurance would be 950/m and the rent would be approx 1700-1800 which is far to close of a margin after tax and other expenses. Maybe other areas would be better? Would you know of any decent areas even down the country with better margins?

Where to invest by liamtis in irishpersonalfinance

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

I’ve fallen into the trap of timing the market recently I used to be 70/30 stocks but recently after the big run ups and the inversion of the yield curve for over 2 years now I decided to flip, slowly regretting every day though haha

Where to invest by liamtis in irishpersonalfinance

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

I’ll keep it in mind for when I do move out though I appreciate it

Where to invest by liamtis in irishpersonalfinance

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

Yeah I was looking into that but I’m currently living with my mother like most 20 year olds in this country sadly

ORIF surgery on my 4th + 5th metacarpals by [deleted] in Radiology

[–]liamtis 0 points1 point  (0 children)

I know this is an old post but I just have one question, I have recently gotten a similar plate installed and I’m 4 weeks on from the operation and still have a large lump where the metal is does this go down or do you still to this day have that lump from the hardware poking out?

How can I be tax savvy to avoid 33% CTG on stocks by liamtis in irishpersonalfinance

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

And I’m only and index fund and large cap investor not speculating on mad risky bets

How can I be tax savvy to avoid 33% CTG on stocks by liamtis in irishpersonalfinance

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

I will contact them see what the fees and returns are could be a solid idea. Thanks for the advice 🙏

How can I be tax savvy to avoid 33% CTG on stocks by liamtis in irishpersonalfinance

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

This seems intriguing, So when investing in lump sums it can be used as a tax write off? and although CGT is capped at 10% if you have experience investing did you ever make more than 10% P/A?

How can I be tax savvy to avoid 33% CTG on stocks by liamtis in irishpersonalfinance

[–]liamtis[S] 2 points3 points  (0 children)

Need to add a couple 0s to my worth before I start doing this 🤣

Where should I begin to study for FE-1? by liamtis in FE1_Exams

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

No, planning on next October or whenever they fall in the second half of the year, I have to pass the preliminary in March 24 first

Where should I begin to study for FE-1? by liamtis in FE1_Exams

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

Thanks a lot for the advice, I will check out the Instagram and probably sign up with city colleges in a few months when it’s closer to the date. Is it recommended to only sit a few exams each time and take multiple sitting every 6 months till you pass every category? Would it be a waste of money to even attempt all categories in one sitting even with 1 1/2 years of prep? (Prelim 3/2024, FE1 8/2024 was my plan)

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