Ryan King

Helping busy Brits invest simply. Author of ‘Stop Waiting, Start Investing’. Free Investing Guide & how I can help 👇

[Ryan King @makingmsimple]

I started investing over 7 years ago.

I started Making Money Simple nearly 6 years ago.

I wrote my first ever book - which was a free ebook - nearly 5 years ago.

Now, as of 26 November 2024, I am a published author.

Unbelievably grateful and absolutely buzzing!

[Ryan King @makingmsimple]

Nearly at £200,000 invested🤯

June portfolio update!

As always, this isn’t financial advice. Just what I do personally, but I hope it helps!

If you have any questions just let me know. I’m happy to help.

[Ryan King @makingmsimple]

@FinanceDocUK Cheers!

[Ryan King @makingmsimple]

Nearly at £200,000 invested🤯

June portfolio update!

As always, this isn’t financial advice. Just what I do personally, but I hope it helps!

If you have any questions just let me know. I’m happy to help.

[Ryan King @makingmsimple]

@IEH4rvey I wouldn’t say concerned, but I do now more consciously try to spread my money across a few different platforms.

[Ryan King @makingmsimple]

@earnlearninvest Cheers Liam!

🙌

[Ryan King @makingmsimple]

‘The great wealth transfer’ could come sooner than planned.

As people with large pensions are passing their money down.

Why? As pensions will soon come into the remit of inheritance tax.

What do people make of this?

https://t.co/gOwSkgyWmY

[Ryan King @makingmsimple]

@Craig_invests Cheers Craig 🙏

[Ryan King @makingmsimple]

Missed last month, so put a bit of extra Limited Company money into my Vanguard SIPP this month.

SIPP is nearly at £50k now!
100% in a low-cost global index fund.

Building it up. Month by month. Brick by brick 🧱

Investing doesn't need to be complicated.

[Ryan King @makingmsimple]

Compared to the cost of investing in thousands of companies through a global index fund…

~0.1% - 0.3% (per year)

Nobody tells you how simple and cost effective investing in the stock market is, now you know!

[🇬🇧 Quiet Wealth | UK Investor @QuietWealth_UK]

Nobody tells first time buyers what buying a home actually costs.

The price on Rightmove is just the start.

Solicitor fees: £1,500-£3,000
Survey: £500-£1,500
Stamp duty: up to £5,000 for a £250k property
Mortgage arrangement fee: £1,000+
Removals: £500-£1,500
Buildings insurance: required from exchange

And this week someone on Reddit discovered their seller was taking the radiators.

£1,000 to replace them. Not in any brochure.

Budget 3-5% on top of your purchase price for buying costs alone.

Nobody tells you this, now you know.

[Ryan King @makingmsimple]

Rich is what you see.
Wealth is what you don’t see.

That will always be true.

[Ryan King @makingmsimple]

100% agree.

Volatile in the short term. Uncertainty is the permanent condition.

But up and to the right over the long term.

[The Secret Accountant @TheSecretAcct]

It’s not a straight line but the line does go from bottom left to top right over time. As the world grows and consumption and productively grows so will the S&P.

We are probably always in or around bottom left.

Don’t complicate investing.

Buy the market.

[Ryan King @makingmsimple]

Budapest!

[Ryan King @makingmsimple]

Wow.

But I reckon this is pretty widespread across most things?

[Watson @Watson_SLdn]

The average UK salary in 1984 was just over £8k a year

The average UK salary now is £39k

Based on the fact that people now earn on average 4.7 times what they did in 1984, a Premier League match should cost between £9 & £11

This is literally what they stole from the people

[Ryan King @makingmsimple]

@earnlearninvest Ballot! Got very lucky.

You over here for the game?

[Ryan King @makingmsimple]

Landed 🇭🇺

Weather looks perfect.

Will be a great few days regardless, but it could be generational!

🤞

[Ryan King @makingmsimple]

@earnlearninvest Yep 🙏

[Ryan King @makingmsimple]

To be clear on the governments new ‘22% Stocks & Shares ISA tax’:

It’s a tax on interest earned on uninvested cash held inside a Stocks & Shares.

Not on gains or dividends.
No impact on Cash ISAs or LISAs.

We’re still awaiting the full details…

Overall - it’s a bad move.

[Ryan King @makingmsimple]

Sorry - not to call think specific person out - but it’s worth tweeting about…

If you have 30 seconds and are concerned about investing, this is worth a read.

I’ve been investing since 2017.
Properly since 2019. I say that, as that’s when I settled on global index funds and understood what I was doing.

I’ve heard ‘the market is overvalued!’’ genuinely every single year. Probably every month. Without fail. From social media, traditional media, DMs/emails I get.

The thing is, the market is regularly at ‘all time highs’. Yes, there are crashes. They are an unfortunate part of investing.

But you need to understand that uncertainty is the permanent condition of the markets (and the world tbh).

If you want to succeed with investing you simply have to start, avoid panic selling, ignore all noise, keep investing every month, and hold for the long term.

Then - in my case 9 years later - you look ‘lucky’.

[Ryan King @makingmsimple]

Literally just global index funds & ETFs

Main holding is the FTSE Global All Cap.

But VWRP ACWI FWRG all good shouts too.

Not financial advice of course.

The funny thing is, I’ve heard that the market is ‘overpriced’ genuinely every single year I’ve been investing. You have to ignore it and keep investing.

[Ryan King @makingmsimple]

8 years and counting in global index funds.

It’s not easy, but it can be made unbelievably simply!

[Ryan King @makingmsimple]

@IEH4rvey Thanks for watching them Ben, really appreciate it.

You’ll get there! I’m getting old and have been at it for nearly 9 years now 😂