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@fredmach The deemed disposal calculation in the update is not correct, it's far too big. At the first disposal only the growth on the initial 6000 and first 6000 of monthly contributions should be taxed. The following year the growth on the next 6000 of monthly contributions should be taxed...

@asurfpro Because people are incentivised to upgrade their energy rating.

@fredmach You need to deduct 0.5% stamp duty from the initial and monthly IT investments

@jpete What's the message?

@jakebakes Scottish Mortgage in particular doesn't even remotely follow its benchmark. It's way too volatile to recommend as an alternative to an ETF. https://g.co/finance/SMT:LON?window=5Y&comparison=LON%3AVWRP

@vespertinus So what's the reason for the discrepancy?

@bryness44 Well Covid obviously, look at the dip in Mar-20. But that was only temporary.

@adthrive Yes/no you should/shouldn't choose A/B

@bryness44 That fund returned 14% in 2021 https://www.irishlife.ie/investments/fund-prices-and-performance/#

@trixiefire This is very confusing, your explanation makes most sense but you have the most downvotes

@bryness44 Pretty much impossible not to have made money the past 3 years. What fund are you in?

@noose Why bother answering if you don't know the answer

@jsis Can you put a quick summary at the top?