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@bowtokingjesus It sounds like you're just picking up funds as you hear about them. There is substantial overlap between your three funds. I'd go back to basics and read a book about investing from https://ukpersonal.finance/recommended-resources/, then think about your investing strategy and...

@bowtokingjesus Can you tell us more about why you originally chose this allocation?

@someone12 Porting means moving your existing mortgage to a new property, not necessarily borrowing more. Yes, with a 'second charge mortgage' if there's a problem the second lender can only get repaid after the first lender does. They're usually more expensive to account for this. I think...

@glow63 This one is easy, don't do it. When you retire, this one year in the scheme at a £42k salary will be worth £778 of income every year of retirement. By opting out, you opt out of receiving this £778/year. (Note that this £778/year is in today's money - the amount will actually go up...

@jessicasa Are you a homeowner? If not then be aware that you'll lose your first time buyer benefits such as the stamp duty discount.

@someone12 Your notation is a little confusing. Let's say you have a £200k flat with a £100k mortgage and are looking to upsize to a £400k house. Don't think of 'equity' as money in the bank - it's simply the difference between what you owe and what you'd get if you sold. Anyway the google...

@scaredtodeath Please stop saying this :( I'm just gutted that as a result of the (successful!!) industrial action around the USS, people seem to trust it less than before.

@honoluluwindow That was a WIP sorry! And yeah you're right, the MSE calculator is weird. I'll see if I can replicate what they're doing tomorrow maybe, otherwise interested to know what you find.

@honoluluwindow From a quick poke around I'm pretty sure they're making the same error that I misunderstood you to be making - letting the mortgage accrue hypothetical interest for the full term while cutting off the savings interest at the end of the the shorter mortgage term. Would have...

@fromtheearth OP DO NOT OPT OUT WHAT DO WE NEED TO DO TO STOP YOU FROM CLICKING THIS BUTTON TELL US RIGHT NOW

@eliquinn Ultimately whether it works out to be financially optimal to buy or stay where you are depends on what happens in the future, which you can't know for sure. If you can stay in a below market rate situation and house prices stay stable, you definitely can win out by taking advantage...

@honoluluwindow Hi, we talked in modmail :) I'm a bit surprised by some of these responses, that wiki update is definitely overdue. Does this spreadsheet illustrate it clearly? I would really value your feedback. Edit: or anyone else's, I see you clicking 'Anonymous Turtle', Jackal, Quokka and...

@rodrigwest So does interest on savings. If they're at the same rate, they're exactly equivalent. If not, higher rate is the most financially efficient.

@pcippy Yep since you have a flexible ISA this will work.

@jgal Take a look at https://ukpersonal.finance/living-costs/