Liam Chapman

insert interesting facts

[Liam Chapman @Chappers_L]

@T9Weir They can suck a fart out of my arse. They've given us shit for years told us to stay humble and win it first, blah blah. Now we have so its our turn to give it back.

[Ashy @AshyCompounds]

Half of X is losing its mind over the new ISA rule.

Let me explain what's actually happening, because the outrage is mostly people misunderstanding their own ISA.

From April 2027, a 22% charge applies to interest earned on CASH sitting inside a Stocks & Shares ISA.

Not on your investments. Not on dividends. Not on capital gains. Just on cash you're leaving idle in an account designed for investing.

Here's the bit nobody's saying out loud:

if you're using a S&S ISA to just hold cash, you're using the wrong wrapper.

Want to save? Use a Cash ISA. Tax-free interest, zero risk, simple.

Want to invest? Use a Stocks & Shares ISA. That's literally what it's built for.

The reason this rule exists is because they assume people will quietly parking cash inside S&S ISAs to dodge the lower cash ISA allowance, rather than actually investing it. The government is closing that loophole before it even exists.

Now let's talk about why investing in the first place matters so much more than people parking cash realise.

£10,000 in a Cash ISA at 4% for 20 years: £21,911.

£10,000 in a S&S ISA invested in a global index fund averaging 8%: £46,610.

Same tax-free. More than double the outcome.

That gap is the entire reason this policy exists, to nudge people out of cash and into growth.

And here's what actually annoys me about the outrage.

You CAN still hold cash-like exposure in a S&S ISA, completely unaffected by this charge.
Money Market Funds are explicitly exempt from the 22% charge entirely, as long as your account isn't 100% cash-like assets.

So if you want stability inside your S&S ISA, you've got real options:

Money Market Funds: short-term, low-risk, currently yielding close to the base rate, fully exempt from the new charge.

Short-dated gilts: UK government debt, extremely low risk, still counts as a genuine investment.

Gilt or bond ETFs: diversified, low volatility, still doing what an ISA is meant to do.

None of these get touched by the new rule.

The only thing being taxed is literal idle cash sitting doing nothing.

This is a nudge to actually invest - and fix our high-saving, low investing culture.

Stop overreacting to a headline you haven't read the detail on.
Are you holding cash in your S&S ISA right now? What for?
What have I got wrong ?👇

#ISA #InvestingUK #PersonalFinance

[Liam Chapman @Chappers_L]

@Northerngooona Lets fucking have it! CHAMPIONS!

[Liam Chapman @Chappers_L]

@T9Weir It's best people just delete social media!

[🚨The Celebration Police🚨 @PLCPolice]

Arsenal celebrating like they’ve won the league

[Arsenal @Arsenal]

This belongs to all of us.

[Adam Keys @adamkeys_]

Say nothing, just retweet. Share this moment far and wide.

[Liam Chapman @Chappers_L]

@Northerngooona Also the age old "Champions of Europe" at the start as well.

[Liam Chapman @Chappers_L]

@NVIDIAGeForce Love the Founders Edition, had them in the last two series. So lets make it a hattrick.

#GeForceRTX50

[Liam Chapman @Chappers_L]

@NVIDIAGeForce Were the memes true, does it need its own dedicated psu? 🤣

#GeForceRTX50

[Liam Chapman @Chappers_L]

@PLCPolice Will I get priority with 2 pints and a side of chips? 🤣

[Farrukh @implausibleblog]

Rishi Sunak appears to say, "For f*cks sake"

After Keir Starmer says, "We have to rebuild a country that is fit for them (young people) to live in and realise their aspirations and their dreams, and I'm determined we will do that"

Please only RT this is you want more people to hear what Rishi Sunak really thinks about young people

[Liam Chapman @Chappers_L]

Let's go! #COYG

[Adam Rowe @adamrowecomedy]

The M&S Bank Arena

[Liam Chapman @Chappers_L]

Congratulations to the two people who got two tickets to the Wolves home game at 11:50am. PSA for those wanting to enter the ballot, don't be an idiot like me and use a credit card not a debit card 🤦🏻‍♂️

[Robeytech @robeytech]

We have another one! Want an @StarfieldGame special edition @amdradeon 7900xtx and @AMDRyzen 7800x3D? Thanks to @AMDGaming I am giving away a full kit right here on @X!

Follow, Like and RT for your chance to win! Winner will be chosen on 9/30/2023 😀

[XBOX Ireland @XBOX_IE]

Cyberpunk 2077: Phantom Liberty is now available on Xbox Series X|S 🤖

To celebrate, we're giving away 1x digital code for Cyberpunk 2077 AND the new Phantom Liberty DLC, to win:

✅ Follow @XboxIE_Official
✨ Like & Repost this post

Winner picked 27th September. 18+ only!

[XBOX UK @xboxuk]

Cyberpunk 2077: Phantom Liberty is now available on Xbox Series X|S 🤖

To celebrate, we're giving away 1x digital code for Cyberpunk 2077 AND the new Phantom Liberty DLC, to win:

✅ Follow @XboxUK
✨ Like & Repost this post

Winner picked 27th September. 18+ only!

[Starfield @StarfieldGame]

To celebrate over 10 million players exploring in #Starfield, we're giving away another custom AMD GPU + CPU!

Follow and repost to enter - a winner will be selected in one week!

Rules: https://t.co/r8QboPWAMf