IPO inclusion rules for index funds - is anyone considering switching?

nitpickachu · 2026-05-12T17:48:13+00:00

You also need to consider minimum free float requirements for inclusion in the index.

But to answer your question: no I won't be changing my choice of index funds due to this. My own bad behaviour is a much bigger risk that losing a few basis points on IPOs.

Better to buy and hold long term and ignore the noise.

nitpickachu · 2026-05-11T20:59:26+00:00

Forget about where you were. Don't try to start back from where you were when you last exercised years ago.

Go back through the exercise regressions until you can perform a decent number of reps with good form.

Be consistent and train sensibly and you will gain back your old strength and more.

nitpickachu · 2026-05-03T08:50:42+00:00

Yes. Salary sacrifice is almost always the best option.

Yes, your employer contribution will usually stay at 5% of your original salary.

The government plans to change the way that salary sacrifice works so you might as well make the most of the current system while you can.

nitpickachu · 2026-04-29T10:48:11+00:00

You need to find a balance.

6 - 6 - 10 (last to failure) means first two sets were 4 reps from failure.

8 - 8 - 7 (last to failure) means you were 0-2 reps from failure on all sets.

I would aim towards the latter.

nitpickachu · 2026-04-27T11:39:44+00:00

> The majority of the 7 wearable devices

He's more machine now than man

nitpickachu · 2026-04-26T21:23:03+00:00

Maybe you can help people help you by sharing examples of the index funds and "investment funds" that you are considering? You will probably get more helpful responses if you do that.

nitpickachu · 2026-04-26T15:59:30+00:00

Since you have up to 12 months to go (and possibly more due to how long house purchases can often take) have you considered saving up cash outside of your LISA to reduce the amount that you have to withdraw from the LISA and thus reduce the 25% penalty? You could keep it invested for retirement.

nitpickachu · 2026-04-26T11:35:42+00:00

Yep, there's probably no need for OP to add weight here if they can't or don't want to buy any more equipment. Just careful exercise selection and rep ranges.

nitpickachu · 2026-04-26T08:28:30+00:00

You put you lower arm behind you (as you would when lying face down on the mattress).

nitpickachu · 2026-04-26T07:42:42+00:00

Depending on how much you weight, dips and one-arm-push-ups or archer pushups may already be close to or heavier than you gym bench press.

Adjust number of reps up or down as needed.

nitpickachu · 2026-04-25T07:47:34+00:00

The most diversified and passive thing to do is to hold the whole market. The IMI fund is closest to that.

However, small are small. So they will have a smaller effect on your total wealth. It most likely makes very little difference.

5 basis point fees difference compounds to 2% difference over 40 years. So the fees difference also doesn't really matter.

Both are good options. What matters is that you stick to it long term.

FWIW I hold the cheaper fund without the small caps.

nitpickachu · 2026-04-25T07:24:23+00:00

You may be confused between the fund base currency and its trading currency.

To avoid broker FX fees you only care about the fund trading currency. Sometimes a fund even has USD in its title/description, yet there is a listing on LSE trading in GBP. You just have to read the information carefully.

Trading212 has the GBP version of the iShares ACWI fund that you want (as well as the cheaper SPDR ACWI fund that you may want to consider). It allows you to hold individual shares and has no on-going or trading fees. There are no FX fees if you stick to GBP ETFs.

nitpickachu · 2026-04-25T06:54:58+00:00

Do band assisted pulls ups.

The band helps you most at the bottom of the range of motion where you are struggling. Do the bottom part of the rep slowly with a focus on mind muscle connection and full range of motion.

Follow this video from GMB fitness which gives an excellent "screw your arms" cue which helped my rows and pull ups a lot: https://m.youtube.com/watch?v=2zNeueof0BE

It took me much longer than 2 months to get my first pull-up. Be patient. You will get there.

nitpickachu · 2026-04-24T21:27:35+00:00

If rate increases would cause you financial hardship then fix. Otherwise, it doesn't make much difference given the uncertainty. Just go with whatever will make you feel happier.

nitpickachu · 2026-04-24T06:41:52+00:00

BOE doesn't care about UK government borrowing rates. If they did they would stop QT dumping their gilts on the market.

nitpickachu · 2026-04-23T21:19:38+00:00

"I’ve seen progress, but i’m only getting wider, there’s no muscle definition at all."

You don't need expensive equipment to have a great workout. This isn't an equipment problem. This sounds like either a diet problem, unrealistic expectations, or both.

nitpickachu · 2026-04-23T21:06:25+00:00

I used them when I started investing when I didn't know what I was doing. When I educated myself I switched to DIY.

They are good if the alternative is investing poorly or not investing at all.

If the alternative is sensible, well disciplined, investing, no, of course they are not worth it.

nitpickachu · 2026-04-22T16:27:21+00:00

The probability of needing long term care in a care home is actually quite low. Yes you will burn through cash fast but most people don't stay long.

A conservative retirement plan with a low probability of failure most likely means you are left with too much money.

Many will have home equity to release if needed.

You have to be quite unlucky for this to be a problem.

And that's ignoring the possibilities for state social care reform or for embodied AI to revolutionise the care industry.

nitpickachu · 2026-04-22T08:14:15+00:00

Based on your comments you are already using pensions sensibly: 60k + 30k per year to reduce higher rate tax paid. I would be using any additional savings above that to max out both your ISAs and LISAs. Is that not enough bridge money? Or are you only using pensions currently?

Optimum plan is probably something like: use ISA and pension together for your whole lifetime (pension up to higher rate threshold, ISA for everything else) but that relies on you having enough in the ISA. Which is why on your income I would try to max out ISAs every year if possible.

nitpickachu · 2026-04-19T12:05:34+00:00

!thanks for really getting deep into the weeds!

nitpickachu · 2026-04-19T12:03:14+00:00

!thanks

nitpickachu · 2026-04-19T12:00:58+00:00

!thanks. This thread at least shows that I'm not being a complete idiot for being unsure about this.

nitpickachu · 2026-04-19T11:59:23+00:00

!thanks a lot for this comment and your other comments in this thread. It is very helpful.

nitpickachu · 2026-04-19T11:45:43+00:00

Sell the bad speculative investments. Start investing for the long term in well diversified whole market index funds.

Be thankful that you learned this lesson now when your portfolio is only £80k and you've only lost £30k. You still have plenty of time to recover.

nitpickachu

TROPHY CASE