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Stocks n Shares ISA


Gyrotechnician said:
Asked this on the pension thread and didn't get a reply. ISA is maxed out got a couple of pay days till it resets. Is it worth keeping the money and sticking it in the ISA next year or putting it in my pension?
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If, for example, you have £100k in a pension and the same in an ISA I'd recommend putting the wad into a pension or SIPP as it is immediately worth £125k.

If your pension is already much larger than the ISA I'd say put a good chunk into ISA for flexibility.
 
cosmicchris00 said:
If, for example, you have £100k in a pension and the same in an ISA I'd recommend putting the wad into a pension or SIPP as it is immediately worth £125k.

If your pension is already much larger than the ISA I'd say put a good chunk into ISA for flexibility.
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Plus if you are a higher rate taxpayer you can claim back another 20% from HMRC.
 
Ned Land said:
EU and U.K. should reciprocate and charge 50% tariffs on shite food chains, and on gadgets made in China that pretend to be American.
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It's tempting to want to hit back and hurt them, but getting into tit for tat is a bad idea for our ISAs.

Europe's biggest trump card is apparently that we own twice as much US bonds and equities than everyone else combined, 8 trillion.

The US relies on the influx of european capital to balance its huge trade deficit and to buy its debt to cover budget deficits.

Europe already began selling off US treasuries earlier in the year when the tariffs began, to reduce their dollar exposure. We could further weaponize capital to pile the pressure on them. In times like these we should be investing more in Europe anyway.
 
Edinburgh Black Cat said:
Bearing in mind that at 63, Mrs Rammstein still has 20+ years ahead of her (taking rough average life expectancies here, apologies if this comes across cold @Rammstein).

And considering the personal & state pension already in place I don't see a great deal of value in buying a significant chunk of cash/bonds in step 3. Steps 1,4,5,6 provide that hedge for you.

Nonetheless a solid plan. Exact preferences come down to risk appetite (importantly weighing up capital risk as well as inflation risk, the latter is often forgotten).
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I think you're right. Depending on risk appetite, sticking to greater equity coverage would make sense. It'd probably also be a really solid choice to put a significant chunk in gold and silver, helping to really strongly diversify then (I did question putting this but wanted to keep it straightforward). Really good point about inflation, especially these days and, as you say, the other steps massively reduce the risk of dipping into the ISA 'riskier' investments anyway.
 
Wakoro said:
It's tempting to want to hit back and hurt them, but getting into tit for tat is a bad idea for our ISAs.

Europe's biggest trump card is apparently that we own twice as much US bonds and equities than everyone else combined, 8 trillion.

The US relies on the influx of european capital to balance its huge trade deficit and to buy its debt to cover budget deficits.

Europe already began selling off US treasuries earlier in the year when the tariffs began, to reduce their dollar exposure. We could further weaponize capital to pile the pressure on them. In times like these we should be investing more in Europe anyway.
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Thanks for that. Unfortunately the USA Trump ( :lol: ) card is owning cloud services and data centres?
 
Gyrotechnician said:
Asked this on the pension thread and didn't get a reply. ISA is maxed out got a couple of pay days till it resets. Is it worth keeping the money and sticking it in the ISA next year or putting it in my pension?
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I've also maxed my ISAs but doubt I'm buying in more at these prices with the market being so high. I am expecting the bubble to burst any day now and don't want to buy more of a fund when the market is at its peak, especially one with loads of tech stocks. I've just been buying old world blue chips with good dividends, though sorting the taxes out is a bit of a lark.
 
cosmicchris00 said:
It's only taxable if you make it taxable.

If you draw it down at an appropriate rate you can make it work to your advantage.

There's a balancing act to perform
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There is, which does involve retiring early as state pension pretty much now covers person allowance. Then its balancing the trade off between ISA flexibility & the effective 5% tax deduction you get on the tax free lumper. This of course is based on being basic rate tax payer. If higher rate, its a no brainer.
 
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Gor advice from a st james' place guy other week for pension set up. I have a ltd company and need to create a pension.

Wise option or best to seek alternative advice? Keen to invest etc but want to be aware of options 1st
 
dave hedgehog said:
Gor advice from a st james' place guy other week for pension set up. I have a ltd company and need to create a pension.

Wise option or best to seek alternative advice? Keen to invest etc but want to be aware of options 1st
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Put the advice you got into Google Gemini (or Chat CPT etc.) and ask it to evaluate the advice and propose alternative options.

St James Place don't have a great reputation, hit or miss. If it's a big decision then a 2nd opinion may be wise.
 
Edinburgh Black Cat said:
Put the advice you got into Google Gemini (or Chat CPT etc.) and ask it to evaluate the advice and propose alternative options.

St James Place don't have a great reputation, hit or miss. If it's a big decision then a 2nd opinion may be wise.
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Thanks i'll try that. Im aware of their reputation its one of the reasons thats made me question committing to them
 
dave hedgehog said:
Gor advice from a st james' place guy other week for pension set up. I have a ltd company and need to create a pension.

Wise option or best to seek alternative advice? Keen to invest etc but want to be aware of options 1st
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Are you a one man band or will you have employees?

Most small companies use
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The provider was the one that was created when auto enrolment came in.

However the choice of funds I believe isn't great & they don't have a 100% equity offer.
 
Just about to sort out my pensions & retirement planning now I've hit that age. S&S ISA's are also on the radar as an option. Using the Trading 212 CFD account so I'm up to speed on the global markets, but I do think that "investing in the UK" could be a very risky option, so I'm more tempted to keep my savings close to hand in the form of gold and silver. I bought a load of silver coins during covid, and I mean loads! In the past 5 years silver has risen by almost 400%, and compared to the price of gold it's still well undervalued. Spread it about, give yourself flexibility; pensions ISA, stocks ISA, bullion & property.
 
The Fitter said:
Just about to sort out my pensions & retirement planning now I've hit that age. S&S ISA's are also on the radar as an option. Using the Trading 212 CFD account so I'm up to speed on the global markets, but I do think that "investing in the UK" could be a very risky option, so I'm more tempted to keep my savings close to hand in the form of gold and silver. I bought a load of silver coins during covid, and I mean loads! In the past 5 years silver has risen by almost 400%, and compared to the price of gold it's still well undervalued. Spread it about, give yourself flexibility; pensions ISA, stocks ISA, bullion & property.
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CFDs are a disaster waiting to happen. Avoid.
 
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