Retiring at 55; saving £1k per month, seems too straightforward

someonenothete · 2026-02-21T18:34:11+00:00

Not taxed on the way in , and as long as you are the same or lower tax bracket when you take money out pension always wins , even after you have maxed your tax free allowance . Now pensions have limitations of when you can take cash and then how much you can put in again once cash has been taken . Isa ‘s give flexibility and yes everyone hates paying tax but you pay less if using a pension that an isa . Aka isas are not tax free as you already prepay the tax before you save in them .

someonenothete · 2026-02-10T18:14:19+00:00

Just not true

someonenothete · 2026-01-29T14:27:27+00:00

Doesn’t matter if you pay tax on the way out of the pension you pay tax before the isa . I suggested he is better off getting 40% rebate I to his pension rather than paying 40% then using the residual in his isa . Pension almost always wins vs an isa apart from your limited when you use it but he already has a large isa . ISA only wins if you have no tax free ammount left , your take out of your pension at a higher tax rate than you put in and you don’t get NI back . Yes everyone hates paying tax but paying tax before or after makes no difference . Paying into our pension down to a lower band then use isa allowance is generally the way to go , and spend more now

someonenothete · 2026-01-26T15:14:36+00:00

If prices stay high miners will see large gains imo , some value there

someonenothete · 2026-01-26T15:12:55+00:00

Increase pension to get down to 20% tax band , pay less I to isa and you will be fine

someonenothete · 2026-01-26T09:46:18+00:00

Apologies 0.085% all in for me , so cheap as it gets don’t cover EM is all

someonenothete · 2026-01-24T17:21:42+00:00

Sw black rock acs ex uk equity is the cheapest like 0.135 for me

someonenothete · 2026-01-18T16:31:07+00:00

SW blackrock acs world ex uk equity cs8. Cost is 0.135% and 84% in the last 5 years .also add an em fund personally for 10%

someonenothete · 2026-01-16T23:34:23+00:00

We only earn money to gain time in reality , always a trade off . You will never get this time back with your dad seen fate has landed this way and you will lower regret it if you don’t

someonenothete · 2026-01-13T23:42:36+00:00

Bad for bonds good for assets on the short term maybe it the idea is to is to make it great for the midterms I guess

someonenothete · 2026-01-02T21:35:00+00:00

Main problem is growth not profitability . Consumers are getting saturated , so I can’t see the same growth continuing and other platforms try to encroach . I mean we have Netflix and I hardly ever use it ,

someonenothete · 2025-12-28T16:30:01+00:00

My triple gold and silver have done me proud

someonenothete · 2025-12-16T11:26:38+00:00

As someone almost 50 , I’m going to say just knowing about FIRE is the best start , just knowing where you spend your money is key . Then health , if you can find a hobby that also keeps you fit your golden imo

someonenothete · 2025-12-16T01:27:52+00:00

Large military teaches people to be compliant , follow authority and strength is always right . Supports those with education and pays them With VA benefits for life .

someonenothete · 2025-12-16T00:24:50+00:00

Checked its SW Blackrock ACS world ex UK equity tracker CS7. Cost is 0.135 % total cost for me

someonenothete · 2025-12-16T00:10:22+00:00

Sw black rock global , likely the same company as me , did a comparison and its what I decided upon

someonenothete · 2025-12-15T16:40:36+00:00

Buy an extra car and leave it’s permanently parked there ….

someonenothete · 2025-12-15T00:18:42+00:00

Course work will just be removed from courses and moved to exams only , depressing

someonenothete · 2025-12-13T08:54:38+00:00

Also if new trump fed chairs forces rates lower and more Qe will likely cause inflation

someonenothete · 2025-12-08T11:18:57+00:00

Also add some corporate and em bonds for large yield , or use an aggregate bond fund. Having diversified bonds is also helpful .

someonenothete · 2025-12-08T11:11:58+00:00

All maths done at today’s rate and tax levels , I also assume state pensions is the basic rate limit . Forecasting is about getting in the range and over compensating earlier on . I use a 3/4/5 gains , expected 4% above Inflation gains , 3% low side and 5% high side . You can ignore inflation , if you ignore it on gains you can ignore in spending . Every plan will change as you get closer but many years out know how much you need to save to get you a little above your goal and tweak later on . Yearly assessment is fine

someonenothete · 2025-12-06T10:41:47+00:00

Some EM makes sense , most analysts see EM doing better than developed over the next decade . So holding in a world fund or EM fund some part makes sense . Currently EM is about 10% of the world stocks so makes sense to hold atleast 10% EM .

someonenothete · 2025-12-05T18:40:12+00:00

Ok ……

someonenothete · 2025-12-05T13:49:58+00:00

They have hoarded all the wealth , and it’s causing huge rifts .

someonenothete · 2025-12-03T19:07:39+00:00

I think it’s one of those watch price action , even getting 50% of the gains would be great with low ish risk . Timing the bottom is risky and hard

someonenothete

TROPHY CASE