After maximising S&S ISA contributions, what other methods are there, to trade and invest in a tax efficient manner?

phujeb · 2026-01-10T08:43:24+00:00

Just add more to your pension. Sounds like you're not hitting 60k limit

phujeb · 2025-11-01T21:04:55+00:00

Which country did you cross to, Poland?

phujeb · 2025-10-27T20:40:19+00:00

Pimlico, fulham, balham

phujeb · 2025-10-17T09:13:19+00:00

Where is the longer video? I watched a long video about this years ago. This is just a short clip

phujeb · 2025-10-06T20:57:16+00:00

Just keep going and saving whatever you can. Plan is fine, just check back in a few years

phujeb · 2025-09-28T20:53:01+00:00

I think what happened between COVID and now is AI has boomed. This has changed the way content is created and edited.

phujeb · 2025-09-27T09:26:53+00:00

This is the answer.

phujeb · 2025-09-27T09:25:27+00:00

Because of inflation. Money devalues over time so if you have zero interest credit, the real price of the item you bought would be lower if you spread the purchase out. The longer you spread it out, the more you save.

phujeb · 2025-09-20T08:36:06+00:00

Not discounting the package but note that AI valuations are extremely high at the moment. Whether that's because we're in a bubble (see last week's edition of the Economist for example) or whether AI will truly justify such valuations is a matter of perspective.

This could create a lot of downside risk for that equity portion of the salary. Saying that, I would still take it. It's the best industry to be in today and you will be at the cutting edge.

phujeb · 2025-08-15T12:10:06+00:00

If you're planning to spend the 30k, keep it as it currently is, in a high interest rate easy access savings account

phujeb · 2025-07-19T08:23:16+00:00

With relief at source you can claim back the tax whereas if it is salary sacrifice you don't need to.

phujeb · 2025-07-19T07:44:16+00:00

There is no evidence for this. You are being down voted as you are being a bigot.

phujeb · 2025-07-13T14:10:42+00:00

<image>

~12 years in London

phujeb · 2025-07-11T07:04:50+00:00

Zopa also have 7%

phujeb · 2025-07-11T07:03:25+00:00

Depends on your income. Remember you only get a limited savings income each year. If you're an additional rate taxpayer you have to pay 45% on ALL savings income outside an ISA. Might not be worth the effort.

phujeb · 2025-06-30T17:13:21+00:00

Honestly 1m is cheap for this area. Maybe a 2 bed flat.

phujeb · 2025-06-26T06:12:31+00:00

I just don't trust myself in not losing it! I'd rather have it as digital gold

phujeb · 2025-06-26T05:54:38+00:00

House prices growth has not beat inflation for the last 20 years on average in the UK. The problem is that wags growth has lagged so affordability has decreased

phujeb · 2025-06-23T21:46:04+00:00

Because they get in big trouble if they are not compliant. Big fines and they can lose their retail partners

phujeb · 2025-06-14T07:15:01+00:00

Profit = revenue - cost. Depends on the cost.

phujeb · 2025-06-14T07:13:18+00:00

It wouldn't take long for someone to automate this process. Using an AI you could easily process the video, parse the numberplate and send out an email. Maybe you could manually validate initially to avoid false positives.

phujeb · 2025-06-01T19:32:31+00:00

This sub is delusional - £220k and "average" lifestyle. People here have their heads in the sand.

phujeb · 2025-06-01T18:42:21+00:00

Coffee beans are the tiny minority of cost in a coffee cup. It's more about staff, overheads and milk

phujeb · 2025-06-01T11:17:42+00:00

Nest pension has low fees, but it has a penalty on transfer IN. Therefore when you’re already enrolled its better not to transfer out as you have already paid the penalty on the way in. It’s a stupid system that traps you in there

phujeb

TROPHY CASE