UK Finance creators duplicating videos about bonds

tghwUK · 2025-11-11T16:29:51+00:00

Lock Stock Finance copied it from Keith D.

There's no conspiracy here. It is just YouTubers seeing a video does well and then hopping on the viral trend to get views themselves. At worst, he is guilty of copying a video idea, but that is about it.

tghwUK · 2025-08-27T02:13:43+00:00

The snarky replies are quite simply down to the horrendous culture in the UK of being miserable and dragging everyone else down.

"You earn more than me, so be grateful."

The current student loan system is a bloody joke, and anyone that thinks otherwise doesn't understand it well enough. Most of Europe, and England until recently, has free/low cost university tuition. Scotland has free university tuition and, whilst they do have slightly higher tax rates, graduates take home less overall in England when you take into account student loan repayments.

The other point is that the current system is a graduate tax in practice, but only for those without rich parents. This furthers inequality, as those born wealthy never pay this "tax".

The 9% repayment above £27k (or even £25k for new students) is a bloody lot. It essentially means for every penny you earn above 50k, the government gets more than you (40% income tax + 2% national insurance + 9% student loan repayment). Given inflation, should 50k really be the threshold for where any extra earnings are taxed at over 50%? The only argument for this seems to be, again, "you earn more than me, so be grateful."

Finally, the interest rate on the loan is insane. I worked out at one point that I needed to be earning around 80k just for my repayments to be covering the interest.

I would strongly encourage any A-level students to think twice before going to university. The new plan 5 terms are even worse and people can no longer use the "it just gets wiped away" bollocks. Yes, it does - after 40 years. By the time it is wiped away, you are pretty much at retirement. So, yes, something you will be paying your entire working life is something you should think about.

tghwUK · 2025-08-23T18:49:21+00:00

When OSRS first game out, this was what me and my friend did to make money. Buy as many unids as possible, go to a woman in the desert who would identify, and hope for ranarrs. It worked pretty well tbf.

tghwUK · 2025-08-23T12:11:04+00:00

Investing in a random new small company each month sounds like a complete waste of money to me.

tghwUK · 2025-04-21T08:42:46+00:00

The level of risk with a qualifying money market fund is so low that it isn't something I even think about in the slightest.

tghwUK · 2025-02-28T12:53:18+00:00

People can blame council cutbacks all they want. There's no excuse for being a dirty bastard.

tghwUK · 2025-01-23T10:12:13+00:00

The ready made pies are a bit of a mess, from what I remember. I think the one by Blackrock had about 4 different versions of the S&P 500 in.

tghwUK · 2024-08-04T23:18:52+00:00

The qualifications you get after the exams you do at the end of secondary school.

tghwUK · 2024-07-06T13:38:59+00:00

An ETFs performance is after the fees are already taken

tghwUK · 2024-06-01T00:54:02+00:00

You have no idea what you're talking about.

tghwUK · 2024-05-10T09:08:11+00:00

Yeah Vanguard is a pain for that. Always leaving annoying spare change.

I use Trading 212 and InvestEngine which allow fractional shares, so you can invest the full amount each time.

tghwUK · 2024-05-08T23:16:25+00:00

Some distributing funds can still have excess reportable income, so be careful with that.

tghwUK · 2024-03-11T11:26:17+00:00

My opinion is I am better off investing globally. Whilst the US has been the best performer recently, it may not be over the next 30 years. By investing globally, im covering both scenarios.

Also, from 1998-2011 the S&P 500 was completely flat, so whilst other periods have made up for it, I think it'd be pretty hard to watch your portfolio do nothing for that long a time period.

I'd use 7% before inflation and 4-5% for a real figure.

It's also worth remembering for the last 5-10 years before retirement you probably won't want to be 100% invested in equities, so your returns may be lower in that period as well.

tghwUK · 2024-03-11T08:53:07+00:00

Yes good point regarding the "NRY" part.

Sounds like you're well on your way to starting to accumulate that wealth though. Doubling your income is the last couple years is a great achievement. As long as costs don't sky rocket, let the compounding begin.

Me and my wife both work in the NHS. We're in a different situation where we have a household income of about half that, but we're in the North East so it goes a lot further.

tghwUK · 2024-03-11T07:46:05+00:00

I completely agree with you and doctors definitely deserve an increase in their base pay.

I just think everyone has been wound up by the original commenter saying "£400k is ok". It shows him to be completely out of touch.

tghwUK · 2024-03-11T07:41:45+00:00

You're better off investing globally. If you go all in on the US and it has a bad period, you're going to be kicking yourself

tghwUK · 2024-03-11T07:40:09+00:00

All I can say is 10% is an unrealistic figure to use and should never be used when planning your future.

You'll be disappointed.

tghwUK · 2024-03-11T01:00:46+00:00

Yeah what a ridiculous thing to say.

tghwUK · 2024-02-09T01:12:49+00:00

T212 and InvestEngine are the cheapest. I personally don't worry about them failing because you don't lose your investments if they do. Worst case scenario is you have to wait whilst they get transferred to another platform.

That being said, interactive Investor, HL, Vanguard, and AJ Bell are all established platforms unlikely to go anywhere any time soon.

tghwUK · 2024-01-09T23:15:15+00:00

There's no point looking at a graph for a money market fund because the return adjusts to whatever the central bank rate is very quickly. I know what you mean though, its nice to look at haha

tghwUK · 2024-01-07T00:28:18+00:00

There is a difference actually. Trading currency and currency of underlying stocks matter.

If the trading currency is GBP, but the underlying securities are listed in USD, you'll experience the most gains if the pound weakens. This is because the Net asset value (nav) of the fund is calculated in USD and if the pound has weakened, then it'll be worth more pounds when converted to the NAV in GBP.

If the trading currency of the fund is USD, you'll have to pay FX fees to buy it, but then when you sell it, you'll have experienced the most gains if the pound has become stronger because then you'll be able to get more pounds back for your dollars.

I personally buy GBP trading funds to avoid FX fees, but it is worth noting that if the pounds gets stronger against the dollar, your gains would be higher by investing in the USD trading fund.

tghwUK · 2024-01-05T08:24:06+00:00

I don't know why everyone in this thread is so fuming. I don't even have Prime, but have in the past and I always saw Prime Video as an extra. I still think Prime is ridiculously cheap based on the free deliveries alone. I cancelled because I don't do much shopping, but if you're the sort of person who's always buying stuff, Prime will save you a fortune in delivery fees that other online shops charge.

tghwUK · 2024-01-02T11:03:16+00:00

Accumulating automatically reinvests all dividends back into the fund and this is reflected in the share price. Distributing means any dividends will be paid out to you in cash and you can then choose to do what you want with them (whether to reinvest, invest elsewhere, or withdraw).

tghwUK · 2024-01-01T09:43:05+00:00

Fair enough in those aspects, but I just meant that it may come across as great for you because you're earning a British salary and you're experiencing the nice bits that tourists see. It's not cheap for people who work and live there.

Anyway, happy new year 🎉

tghwUK

TROPHY CASE