UK Investor

Growth and dividend investor from the UK. Portfolio value £170k.
Sharing my journey to financial freedom.
Not financial advice.

[UK Investor @UK_Compounder]

I believe the UK school system is failing young people in not providing them adequate financial knowledge, especially in investing. The government creates wage slaves and you have to fight for your own financial freedom. So, I'm sharing my journey to hopefully inspire others.

[UK Investor @UK_Compounder]

How is it not worth it!

It's a 40/45% win before any investment growth, and the compounding on that additional sum alone is huge.

However, if you don't want to wait until you're almost 60, then that's that.

I still think having both is the optimal strategy. It depends on what you want to achieve with your investments I suppose.

[UK Investor @UK_Compounder]

@ISAmaxxxxxing So it's a no-brainer, unless you plan to use the LISA in buying a property.

[UK Investor @UK_Compounder]

@ISAmaxxxxxing LISA gets you a 25% "bonus* from the gov.

SIPP tax relief for higher rate/additional rate tax payers is 40/45%, respectively.

[UK Investor @UK_Compounder]

@LondonMoneyFS Charming.

[UK Investor @UK_Compounder]

@patienceisfree Of course. I meant I hope it happens soon!

[UK Investor @UK_Compounder]

I hope everyone bought the March dip!..

Those who bought during the "fear" have been rewarded 👏🏼

[The Kobeissi Letter @KobeissiLetter]

BREAKING: The S&P 500 officially rises above 7,350 for the first time in history, now up +16% since the March 30th low.

That's +$9.4 TRILLION in market cap since March 30th.

[UK Investor @UK_Compounder]

@awealthtank 💯

[UK Investor @UK_Compounder]

@steady_profits Yeah long-term it'll be fine

[UK Investor @UK_Compounder]

@b_co_co That's enough for me too!

[UK Investor @UK_Compounder]

If you're from the UK, like me, you can turn this list from @b_co_co upside down (flip the salaries the other way), and it's still quite pertinent! 😅

Holidays are a lifestyle choice, limited by your earnings, but not dictated by them, as you can choose to spend more a less as a proportion of your earnings!

We Brits love a good get away (escaping the rain), myself included. Though I regularly see people go on lavish holidays that I feel I couldnt afford, despite earning more.

There's no judgement at all, everyone is on their own path with their own goals. I think it's just endemic of our values as a nation that we don't put more of these funds away for investments and retirement.

My priority is to invest first, then spend with the surplus. Not the other way around. Finding the correct balance can be a challenge for some investors. Luckily, my wife is a natural spender 🤣 so we even eachother out!.. Lanzarote here we come!

[Marсo | Not-Ideal Investor @b_co_co]

Where can you actually afford to go on vacation?

10% of your annual income on travel looks like this:

$50,000/year — 5–7 days in Miami
$60,000/year — 1 week in Puerto Rico
$70,000/year — 1 week in Hawaii
$80,000/year — 10 days in Italy
$90,000/year — 1–2 weeks in Spain
$100,000/year — 2 weeks in France
$110,000/year — 10–14 days in Switzerland
$120,000/year — 2–3 weeks Europe grand tour

You don’t choose your vacation.

Your annual income does.

[UK Investor @UK_Compounder]

@IndexAndForget Lot's of things change once you understand the magic of compounding!

[UK Investor @UK_Compounder]

@2147mill I'd just like to add, "annihilating Labour" is just as important halting any insanity from the Greens!

Use your vote. Stop the madness.

[UK Investor @UK_Compounder]

The whole position.

After the huge run that Google experienced, I convinced myself that the funds would be better served in $META and $MSFT, given the price corrections they went through at that time.

Long-term, I'm not too upset about it. But as it stands, I've not only missed out on further Google gains, I'm in the red on both Microsoft and Meta.

Regrets.

[UK Investor @UK_Compounder]

@TobyDurant @LondonMoneyFS Well put. You made that point better than I did.

[UK Investor @UK_Compounder]

@MoneyHacks16 I love posts like this.

Not investing doesn't only mean you limit any growth potential..

For a lot of people, they assume the alternative is just no growth. In actual fact, inflation eats away at your existing cash.

So, not investing also means you're losing value!