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@pastorjustin I think this is what you're asking... but it seems too obvious, so just double checking. Are you asking if you invest monthly into the stock market, would it beat a savings account? Yes. I think, somehow, you may have stumbled upon dollar cost averaging. Google it. As for...

@mtk2010 Yes. Every April, they increase their prices by CPI plus a percentage... They do this for existing customers. If you signed up in Feb, then your contract is until Feb. But in April it will increase. You'll have to deal with it. 10 months of a higher price for you. However if you sign...

@pjv I think it might be worth breaking a contract in April and joining up again just so you won't have this problem again for the rest of your life

@kitty80 Why though? If he is buying in cash?

@lazy_pink_nights I would think you are using these accounts backwards, no? To me, IB is the better platform. Are you paying €10/month for IB?

@brightman Rebalancing! If Apple slide, and you need to rebalance your portfolio to better track the index, then you will have to pay the tax (yes, it is 33%) on this gain. This does not happen in ETFs. Also, check out The Myth of the 30 Stock Portfolio What if Stock number 51(or 101)...

@feudum There are also cars in between bangers (sub €3,000?) and nearly-new (around €25,000) that you could consider... Like the €15,000 mark. Maybe

@jlamb1 I saw this on a FB Group too recently - https://www.smartelectricitycalculator.ie/ Fairly handy, and it helped me shop rates. It uses your actual usage from www.esbnetworks.ie (needs a smart meter)

@flossie8 Check out www.smartelectricitycalculator.ie too

@ecsid What? Surely after the 4 years were up, they would fix their mortgage again? The variable rate should not really be considered here tbh. To me, this is the problem OP is tasked with: After 4 years, will they be able to fix for less than 2.5%? It is difficult to say. I myself choose...

@lyn02 This is not the case for ETFs (hence why OP called it out). I'd suggest googling "deemed disposal" to learn more about it (and then search this sub too)