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@southernyankee No more like if you know you will be buying stuff anyway, or going to France / Northern Ireland anyway, plan ahead. I’m meaning this is the most simplistic way. For example One person will buy a can of coke every time they get a take away at 2.50 a can. Another would buy a...

@triphip2 Depends on the product I suppose. Examples: Wine run on the ferry to France if you like wine. Musgraves for frozen food, sacks of rice, pasta etc. like nice whiskey? Cask investments if you have the patience.

@4x4toy So contract work means you are self employed. Totally different treatment so make sure you are filling up that pension and have an advisor in your corner so you aren’t paying too much tax. Thats the only area I think you could possibly f-up on. Also have a budget for happiness. An...

@triphip2 average S&P returns were 10%, it’s 12% over the last 10 years. So if you are paying 40% on an ETF 8% probably beats the mortgage. However rates will drop and you get a better rate at lower L2V ratio on the mortgage. Assuming you have no other debt. Look at pre paying for stuff...

@4x4toy TBH those are kinda normal hours for a business owner, are you an employee or owner? Is there potential to delegate some of the work and focus more on the higher earning aspects of the job? If you are happy doing it keep at it. No point in forcing yourself onto a golf course where you...

@triphip2 It’s a time horizon issue. But the answer is, like for like. Pension is the best return, investing in the market like gives you a slight advantage over mortgage repayment but has risk; paying down the mortgage is zero risk and guaranteed results. What I’d suggest is doing a...

@kennyjoede Pension is a no brainer here. Avoids corporate tax and income tax. But only to the point of 2.1M on the date of retirement. Also your partner if married should be set up with the same. Sounds like you need a financial wealth manager.

@cee_the_atheist Pension your doing everything right, retirement is sorted. If you ever move job dont merge the pensions and run two. Landlord thing.. your call but I wouldn’t do that. You don’t really need to. Easier ways to make money these days.

@sicky12 You don’t have to accept there offer. Higher risk loans cost more unfortunately. While you haven’t defaulted before, you might not have built up enough assets and equity to justify the lower rate

@thesartist If you think it’s 18% per year you need to study a bit more 10% on average, 12% for the last 10 years. Dont see any reason not to take profits. But would hesitate on taking losses as you can’t balance the loss off against other investments.

@lightanddark You’re doing well maxing out the pension at your age. Next step would be investing in the market so to get the house deposit, lots of ways of doing this but look at Trading 212 and Degiro. Then I’d choose a range of accumulating ETFs. Buy the house as soon as you can and rent a...

@lightanddark What are you saving for? Have you a pension in place and maxed out?

@kurret Yes. This.

@dinu Then factor in unusual inflation, pandemics and wars. Past does not equal the future as they always say.

@winginit 20% at 25 is a great amount and age to start. Set and forget. Find your risk profile and start filling it up. Until it’s grown for a few years it doesn’t really matter. Just diversify and spread across the global market. As the other commenter said, bear markets are a great time to...

@spiritualseeker1989 Why not just invest in a Vanguard fund through the pension fund so. Fees are the same and some of my pension is in Vanguard funds. Also In single stocks which I manage, not recommended but possible. Ah yes I’ve heard of FIRE, personally have no reason to hate my life or...

@spiritualseeker1989 Saving 54% in tax and worrying about 1% is where you are at. Yes the fees are high but that’s cause you have a tiny investment fund. If you put in a few hundred k fees go down. A tax free 10% investment with 1% fees is better than a post tax investment with no fees. I’m...

@resjudicata What basis or research have you done in relation to this? Bar listening to some short term thinking internet Bros? S&P is significantly weighted with Tesla, Amazon, Microsoft and Apple (7.5%) and a few others at the top. Meta is in the top 10 and really I’m not hot on their...

@submission Be aware of October the student loan repayments in America kick back in. And the stimulus that was pretending they might ever forgive student loans to stimulate spending in a pandemic will be over. Just because the S&P has done so so well in the past that does not guarantee it will...