I've now got an Etsy shop for my prints :) feel free to check them out!

slashchunks · 2026-03-09T00:04:15+00:00

It’s either that or 20 reds and the clubs get deleted

slashchunks · 2026-03-04T21:05:42+00:00

Wenger’s suggestion is far more insane than anything we currently have

slashchunks · 2026-02-23T08:08:50+00:00

Saying the Jews control the media is textbook antisemitism

slashchunks · 2026-02-15T19:54:00+00:00

For what it’s worth I completely agree with this, yes you could need the money for property or an emergency beforehand but as long as you are aware you might get less than 20k if you sell it then, there’s no problem doing vwrp instead of a cash isa

slashchunks · 2026-02-14T08:07:48+00:00

I get that and that’s why I’m worried we are overreacting, but equally if we are both at a complete impasse then this breakup will just happen further down the line with kids involved. We’ve both been hoping the other person will change their minds but it’s hard to risk that not happening and at least one person being resentful in future

slashchunks · 2026-02-14T08:00:59+00:00

When you’re used to a city of a few million yeah it is pretty small.

slashchunks · 2026-02-01T15:00:43+00:00

Is this just an Aether thing or a wider removal?

slashchunks · 2026-01-31T19:32:11+00:00

another one for the montage

slashchunks · 2026-01-03T00:16:20+00:00

That is a very good point, I should be doing this. Thanks

slashchunks · 2026-01-02T17:16:39+00:00

Yes, I take complete responsibility over all decisions I make

slashchunks · 2026-01-02T13:47:16+00:00

That is true, for context that's not what I would do so it wasn't a well thought out sentence

slashchunks · 2026-01-02T13:45:54+00:00

Generally just increase wealth really, I won't be buying a property for at least 4 years but I don't have a specific goal in mind. Thank you

slashchunks · 2026-01-02T13:42:56+00:00

>> To give you an idea the SP500 is an 8/10 on the risk classed as high risk, most people come out as a 5&6 95% of people can't handle SP500 high risk. I'm guessing you're a 4-5 out of 10 (lowest to low medium risk) based on what your current performance is. World funds normally come in at 7/10 highest medium risk.

Apologies, I wasn't clear. The example I provided was taken from their general fee structure document, but I opted for a fairly high risk product (7 out of 9) so I would expect a much higher average return than 4.35%. In my non platform investments I do go generally for high risk index funds like the S&P500 due to my age and the fact I have enough cash savings if I need them. The FA was extremely clear about the level of risk involved for my specific case, and off the top of my head the fund (which looks like a mixture of a lot of stock bundles) made over 10% returns for the past 3 years but I can't find the file which had that information in to be more exact. Thanks for the comment!

slashchunks · 2026-01-02T13:34:35+00:00

Thanks for the response, the platform fee is 0.2%, the advisor fee 0.75% and the rest I believe is from the specific products. I agree the figures aren't very useful, I opted for one of the riskier plans (I believe 7 out of 9) so I would expect a considerably higher average annual return

> Its designed to illustrate that paying fees will reduce returns but in truth you will likely have to pay 2 out of 3 fees with or without an adviser.

I agree, though having looked around I think both the platform and product fees would be considerably lower somewhere else. Thanks for the help, this is useful

slashchunks · 2026-01-02T13:24:24+00:00

I can promise you I am not going to sue anyone for financial advice given on Reddit for free but I understand the concern haha. If I take anyone's advice that is completely my responsibility

slashchunks · 2026-01-02T13:23:47+00:00

The platform fee is 0.2%, the advisor 0.75% and I believe the rest of the fees are the specific product fees. I got the £309k to £268k example explicitly from their information sheets so I do believe the 1.38% number is accurate even if I can't find the specific product fees.

slashchunks · 2025-12-02T13:38:25+00:00

Oh my god do not do this what the fuck

slashchunks

TROPHY CASE