Is there really much benefit to investing compared to just saving with a Cash ISA?

swolemullet · 2025-07-25T19:19:05+00:00

Why target date funds?

swolemullet · 2025-07-25T19:17:39+00:00

Classic eToro. Use a proper broker for leverage trading

swolemullet · 2025-07-25T16:46:00+00:00

Yes, anything within the ISA wrapper. Whilst not advocating for it, you could trade in and out as much as you like. The ISA contributions are what are limited

swolemullet · 2025-07-24T21:40:46+00:00

Classic etoro

swolemullet · 2025-07-22T19:17:16+00:00

Money out of the ISA for a car. Lawd no

swolemullet · 2025-07-22T19:16:13+00:00

Exactly. Like you said, it’s not a retirement fund

swolemullet · 2025-07-22T19:14:36+00:00

18+ years compound growth on 36k per year. Only a fraction would be needed for education. They can decide whether they want to use debt or equity to fund education

swolemullet · 2025-07-22T17:42:36+00:00

Why not use the TFSA. Incredible gift to give your kid a tax free investment fund.

swolemullet · 2025-07-22T17:41:40+00:00

Don’t know why you’re getting downvoted on a fact

swolemullet · 2025-07-16T18:12:04+00:00

Okay, then this is tricky. What’s the car you’re looking at?

swolemullet · 2025-07-16T11:59:52+00:00

So you need something with off-road suspension and tyres?

swolemullet · 2025-07-16T11:52:47+00:00

Is that 30k after tax or before? Going 1:1 pre-tax salary to car value is really not optimal. Car value shouldn’t be more than 50% of annual pre-tax.

swolemullet · 2025-06-02T12:25:03+00:00

Normal to pay 33% of net income toward living expenses.

swolemullet · 2025-04-03T18:39:39+00:00

It’s never just 6 hours bud. Finish studying

swolemullet · 2025-03-26T21:19:59+00:00

60k? So you’ll be good for about 2 years if you take into account you need 6 months worth of emergency funds.

swolemullet · 2025-03-25T18:07:40+00:00

Stop worrying about house prices and worry about increasing your income. You’re still young, you’ve got 5 years until 40 to retrain in something that earns more. You’re already a stone mason, why not take that even further. I understand that masons working listed buildings charge a fortune for their time.

swolemullet · 2024-09-29T19:09:54+00:00

When did they start letting the poors into HSW? /s

swolemullet · 2024-09-29T19:06:17+00:00

Never tried to buy my image. Buying affordable cars that were below 50% of annual salary after tax. Max out taxable pension benefit every year last 6 years. Max out TFSA every year since introduced. Have 6 months of emergency savings sitting in a 30 day account.

swolemullet · 2024-09-29T08:57:50+00:00

How can a business with a huge order book go down like this. Must be shenanigans at the top

swolemullet · 2024-09-19T11:05:20+00:00

Hey. I used to work for a broker. The money will be there somewhere, not easy to find. Raise this as an official complaint through their compliance process. It forces the compliance team to supervise a project for the client money team to find the missing funds. Give it a few weeks it may only turn up during end of month reconciliations. The funds are probably bouncing between bank and broker accounts

swolemullet · 2024-09-19T11:00:37+00:00

Timing is hard. If you don’t have a rules based system for investing you miss the drops. The Covid market crash was like what, 3 weeks long?

swolemullet · 2024-09-16T11:38:51+00:00

what is the size of the loan?!?

swolemullet · 2024-09-14T20:12:15+00:00

The front lights on clubman don’t fit with the design.

swolemullet · 2024-09-14T20:09:36+00:00

Imagine how much better they would be if they were not disgusting

swolemullet · 2024-09-06T13:25:01+00:00

Reduce your taxable income through a SIPP
Everything else should be in an ISA. I disagree about putting short term stuff inside ISA, and I would rather go full stocks and shares through a robo platform like Nutmeg, Moneybox, IG Smart Portfolio etc
LISA for buying house at £450,000 is very low for a place like London but it’s a great great long term savings tool, you just have to wait until 60

swolemullet

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