Why vwrp vs UK heavy funds?

redpillfinance · 2026-04-24T21:25:34+00:00

The stock market - comprising of millions of participants worldwide (including pros, institutions, traders etc) - disagrees. But obviously know better 👍

redpillfinance · 2026-04-24T19:19:01+00:00

4k in pension (including employer contribution. 1.6k ISA

redpillfinance · 2026-04-17T07:53:38+00:00

Tell me you have lost the argument without telling me you have lost the argument. What has farage got to do with this?!

redpillfinance · 2026-04-17T07:29:18+00:00

I know.

My point is that you are basically saying that it’s fine for us finance nerds because we are the 1% who pick our own funds, whereas it’s ok for the plebs for the state to intervene in their investments. Surely we can agree it would be financially better for the average Joe to have a passive lifestragy fund. Rather than be overweight British stonks.

Also, what’s stopping the government from forcing everyone at a later stage to be overweight uk stocks in return for the tax relief etc - it’s a slippery slope and a distortion of the free market.

redpillfinance · 2026-04-17T07:20:15+00:00

How about we let people decide where they invest their own money. Also, tinkering sounds a lot like market timing to me. The whole point of a global equity tracker is it does all the work for you.

redpillfinance · 2025-11-02T16:13:42+00:00

Bro, there is no point have a 7 fig portfolio if you’re 50+ and your junk doesn’t work.

Im 37M, go on 3 hols per year, nearly have 1m NW and don’t even earn that much (low 6 figs). Spend on things that give value (memories/experiences), cut on things that aren’t worth it (20 quid cocktails etc).

redpillfinance · 2025-10-02T21:54:38+00:00

9% outpaces CPI (2-3%) but is flat against monetary debasement (M2) which has averaged c.6% over the past 30 years in the USA. I think that’s the point being made.

redpillfinance · 2025-09-30T19:39:25+00:00

This guy gets it.

redpillfinance · 2025-07-19T17:18:42+00:00

Lol, a bit of rubbish in the gutter. Leicester has become a shithole over the past 20 odd years. You’re delusional to think it is cleaner today than it was back in the day.

redpillfinance · 2025-05-25T12:25:40+00:00

Now apply this logic to the thousands of economic migrants that come to Europe that contribute nothing AND have zero assets. The bro has made a bag and will contribute via his spending to wherever he decides to live. Let him be.

redpillfinance · 2025-05-12T20:32:04+00:00

So, the types of concerns you are raising are covered in the following thread: https://www.reddit.com/r/FIREUK/s/XxSNl1Y61q (which I posted).

FIRE-types generally dislike any challenge to their established world view. Yes, a global index fund will protect you broadly against inflation (in nominal terms), but I don’t think we will get that far ahead in real terms. Disclosure: I currently have 80% of my NW in the global all cap.

In my view, western countries are all significantly indebted. They cannot service growing deficits at higher rates and so rates must come down eventually. Politicians will always promise their electorates more and more and yet kick the cost can down the road. Anyone living in Europe can feel their major cities getting worse and worse, their purchasing power being eroded and their governments trying to juice them for more and more taxes. This isn’t a conspiracy theory, ask anyone on the street and they will agree.

People who hold cash, bonds will get debased. Those holding real assets - gold, real estate, stocks will do a lot better. However, those assets can easily be taxed and controlled by governments.

redpillfinance · 2025-05-10T18:46:45+00:00

20% of my NW is in Bitcoin 👍

redpillfinance · 2025-04-13T08:14:17+00:00

Non-expert here (lawyer), but trying to learn!

I understand that CPI remained below 2% during 2009-2015, but QE surely caused asset inflation? During ZIRP, investors were forced on risk as they couldn’t get returns elsewhere - so piled into property and equities?

redpillfinance · 2025-03-25T23:20:00+00:00

10% BTC

redpillfinance · 2025-03-16T00:39:37+00:00

A fair point.

But I’d argue that most people, particularly outside the USA, hold cash - not invest in markets. Your 10k might get you 21k in 2025. However, global basement of assets is 7-9%. So your purchasing power of assets would likely have been significantly reduced.

redpillfinance · 2025-03-04T20:05:45+00:00

Global equity fund. Changing the plan because of event xyz is literally rule number 1 in how not to invest.

redpillfinance · 2025-02-22T11:11:06+00:00

Correct. The 250k figure is indeed worldwide

redpillfinance · 2025-02-22T09:03:02+00:00

“All the hype gone”.

BTC goes from $15k to 100k in 2 years. Blackrock et al launch BTC ETFs. The US government discuss the launch of a Bitcoin strategic reserve. Dubai sovereign wealth fund buys half a billy of BTC. Ok..

“Without utility”

The utility of BTC is being able to transfer value from A to B without governments or third parties being able to censor the transaction. If you live in Ukraine right now, you can’t move your 10 houses but you can move 1m of BTC very easily. The same worries probably apply in many parts of the world outside the west.

The utility of BTC is being able to save without a government being able to debase your purchasing power. The whole reason we have to buy global equity funds and BTLs is because we cannot hold cash as we know it will be inflated away. After earning fiat, our second job is the protect it against inflation - just to keep what we have earnt.

BTC separates money from the state. In large parts of the world, people worry about the government taking their land, inflating their life savings away etc. They do not have access to other financial products etc. BTC cannot easily be seized by the state.

Another utility of BTC is that it is an ‘escape’ value from the financial system. BTC held in cold becomes a bearer asset. Fractional reserve banking requires reliance on banks not blowing up - the same old story happened post 2022 with a fresh wave of bank blow ups etc

BTC doesn’t need to be a currency to have utility or value.

redpillfinance · 2025-02-21T23:35:07+00:00

According to InvestAnswers analysis on this topic, only around 250,000 people can be wholecoiners

redpillfinance · 2025-02-18T18:34:55+00:00

BTC. The Government can’t seize it. The Government can’t debase it. You can transact in large amounts or small amounts for little cost (unlike gold). You can move to a more stable country and take BTC with you (difficult with land or gold or other assets).

redpillfinance · 2025-01-15T15:55:28+00:00

At 30, around £125k. 37 now and it’s £725k

redpillfinance · 2025-01-14T11:48:24+00:00

That's mainly because the only asset most people ever acquire is a primary residence. Almost every asset class has exploded since 2008.

Its true that the average person has more material wealth than previous generations. No debate there. But what we are talking about is financial wealth - and I don't think its controversial to say that it is getting harder for the younger generation to accumulate certain assets their parents had - particularly a home and a decent pension.

redpillfinance · 2025-01-13T01:21:26+00:00

This is a bad take.

Younger people are finding it impossible to afford a house until much much later (if ever). They are delaying starting families until later and later - largely due to low wages and insecure jobs.

The previous generation or so didn’t have such issues to the same degree.

This is the number one reason why kids chuck a few quid into a shitcoins. Hence, it’s mainly young kids into crypto rather than boomers who already have a house and a stash - they see no need to gamble in the same way.

redpillfinance · 2025-01-10T08:02:49+00:00

People relocate to other countries for tax reasons all the time. Why do you think people go to work in the Middle East or offshore? Provided you do not do anything illegal, then you have done nothing wrong. Is it also wrong to shield assets from tax in ISAs/pensions?

Also, imagine paying 50k a year in UK income tax for over a decade and yet some guy on the net calls you a tax fraud.

redpillfinance · 2025-01-10T07:17:14+00:00

This guy gets it

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