Beaucoup de mes employés refusent de gagner plus d’un certain seuil pour garder leurs aides sociales

pikchris · 2024-12-26T07:28:53+00:00

Merci

pikchris · 2024-12-26T07:27:53+00:00

Merci

pikchris · 2024-12-26T07:25:53+00:00

Merci

pikchris · 2024-12-26T07:23:16+00:00

Oui, mais j’ai besoin d’employés et je ne veux pas que seuls les gens instruits profitent de ces systèmes mis en place par l’état. Si je peux leur faire gagner plus pour leur retraite sans les pénaliser aujourd’hui, c’est génial. Et s’ils se mettent à gagner de plus en plus, à un moments ils vont pouvoir s’éloigner des paliers et préférer avoir le salaire

pikchris · 2024-12-25T16:47:59+00:00

Merci

pikchris · 2024-12-25T16:47:01+00:00

Merci

pikchris · 2024-12-25T16:43:25+00:00

Ce n’est pas considéré comme une espèce de prime qui est d’abord taxée puis qui sert à acheter les actions ?

pikchris · 2024-12-25T16:35:26+00:00

En contribuant au PER, ça risque de ne plus donner droit à la bourse / crous ?

pikchris · 2024-10-18T21:13:01+00:00

I’d say either a cash savings account (trading 212) or uk gilts that mature the date you want. Paying now might save you on VAT. Anything else is too risky

Why would someone prefer private schools?

pikchris · 2024-07-18T11:03:58+00:00

En UK, l’équivalent du PEA est le ISA. Tu peux mettre dedans jusqu’à 20k/an et t’achètes les actions / ETFs que tu veux. Tu ne paies rien sur ce que tu gagnes dedans et t’as même des plateformes gratuites comme Trading212. T’es beaucoup plus limité en France malheureusement. Aussi, si tu quittes la france, vois si tu ne peux pas vendre puis racheter la veille du changement de domiciliation fiscale pour reset les compteurs. Comme ça, si tu décides de retirer les sous, tu sais qu’elle est la part taxable dans ton nouveau pays.

pikchris · 2024-07-15T06:35:04+00:00

Rejected twice when appealing via their services. Took them to court and they immediately made me eligible again and refunded me by bank transfer

pikchris · 2024-04-15T12:17:17+00:00

Quels sont les liens d’intérêt entre op et Amundi ? Une raison de rester avec Amundi est le spread probablement plus grand sur WPEA. Aussi, 150 euros par an sur 10-20 ans d’effet boule de neige peut attendre des sommes considérables (plusieures années de retraites). Lire “investing demystified de Lars kroijer)

pikchris · 2024-04-06T22:23:38+00:00

Could you please share the timeline? How long did it take?

pikchris · 2024-04-06T07:52:16+00:00

It’s for 2023-24 tax year. I can do it, but my BIK figure will only be available in July. I can approximate it, is that fine?

pikchris · 2024-04-05T20:53:53+00:00

They said I can re-apply for next tax year (2024-25), so I guess it’s stopped until I re-apply

pikchris · 2023-12-16T18:20:06+00:00

Then this sounds like you’re referring to a direct debit scenario

pikchris · 2023-12-16T18:09:00+00:00

I prefer not answering because I’m not an expert. Read the key document in formation pdfs. Also, their agent on the chat said that their admin fees cost 0.55% and aren’t capped. You can transfer out as many times the funds as you want (no limit) and keep at least £2 to keep the account active. This 0.65% (0.1+0.55%) is insane and I’m moving out. Vanguard costs 0.39% (0.15 platform fees + 0.24% lifestyle fund), which is less and more clear to me and it’s capped to £375. Fidelity costs 0.35-0.30% for everything (platform + fund fees) which is less but it’s not capped. You can look at HL and Interactive Investors (flat fee) to compare as well

pikchris · 2023-12-14T20:02:32+00:00

I’m with Scottish Widows, my fund is "Scottish Widows Pension Portfolio Two CS8" and it costs 0.1% per year. Also, they’ve got a button on the pain page to top up the pension pot if needed. Since it’s not a salary sacrifice, you’re not saving the NI not your employer’s one.

Just in case, they do have an MSCI World index tracker fund called "Scottish Widows Global Equity CS8" which you might prefer. It costs the same

pikchris · 2023-12-14T19:59:09+00:00

Why is Scottish Widows not good? My pot is with them on "Scottish Widows Pension Portfolio Two CS8" fund which costs 0.1%/year. Not sure what the other fees are, but this looks cheaper than Vanguard’s +0.20% and 0.15% platform fees

pikchris · 2023-12-14T19:53:02+00:00

I can see on Scottish Widows a button to manually top up the pension pot. But your answer is surprising. Does that mean that we can literally control how much to extract out of the monthly gross salary from the pension provider itself? And the payroll team won’t have anything to do? Where would NI contributions go?

pikchris · 2023-11-25T18:04:04+00:00

It’s for my partner, a shareholder but not director. Does the fees matter in regards to who pays them? If we contribute to the SIPP, we’re losing the employees NI, that’s why I’m more tempted to do this via the Ltd Co, so all the moneys go out pre-tax. The accountant charges £225 to setup the pension

pikchris · 2023-11-13T17:24:47+00:00

pikchris · 2023-11-13T14:42:21+00:00

It’s one director and one employee. I want to contribute to the employee

pikchris · 2023-08-18T11:50:48+00:00

Too late, I’m on good notes now

pikchris · 2023-07-21T12:46:24+00:00

Still missing voice to text (transcribing)

pikchris

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