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@roger5599 I appreciate the effort that went into this, although I think it’s unfair to say the wiki doesn’t cover this. In the specific link you posted it highlights that the timing of tax relief doesn’t matter for basic growth (your first points) but specifically says it does matter when you...

@michael93 I don't really understand this approach if you only get the transfer bonus Ince. What are you gaining from it?

@liamxx7 Yeah thinking fresh - the EV is a bit complicated actually. My understanding is that you will need to add 2% of the P11D value (list price of car and any extras) onto the income at that first part. So assuming 9k was the list price then £180.

@liamxx7 The guidance isn't too simple, you've just added stuff to it that isn't part of the calculation...! Your net (non-adjusted) income is: Salary: 45k (60k minus your £15k in salary sacrifice; salary sac happens before all of this) Savings interest: 2k Dividend income: 1.5k Rental...

@resjudicata The bigger difference is that OP's fund doesn't include emerging markets

@johnboy99 Theyre not really like for like funds. The main difference is that the developed world fund doesn't include any emerging markets, it's only developed economies. It's a perfectly reasonable fund to invest in but it's taking a decision that you believe that developed economies will...

@reporter94 The rental income will be taxable, but will be within your personal allowance so you won’t pay any tax. You do, however, have to fill in a self assessment tax return each year. Your tenant or estate agent is legally obliged to withhold tax on your behalf unless you register as a...

@jgal Personal spending seems too low. Haircuts, clothes, random things you need to buy, having a life (socialising), travelto see family, etc all add up. Are the rest all based on real costs or guesses? Car insurance seems to low but maybe you've found a great deal. Have you found...