Ryan King

Chartered Accountant sharing his investing journey. Author of Stop Waiting, Start Investing 📕. Get started with investing (free guide, cheat sheet & course👇)

[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]

Honestly I don’t blame Craig.

In my opinion, with stock picking: picking the right stock is hard, but not impossible. The harder part? Knowing when to actually sell.

Many stocks will have a run up, drop, then never recover. Most will never realise their gains.

A small few will go on to produce 100X+ returns. Most will realise their gains far too early.

It’s truly impossible to know ahead of time, and it’s so hard to time when to sell correctly.

[Craig Lawrence @clawrence]

I invested $5K into Apple stock in Sept 1997 when I had my first real job after graduate school. It was a gigantic bet for me back then, most of my liquid savings. Steve Jobs was coming back as interim CEO and I just had a feeling. I sold it sometime later for a 3x gain and thought I was a genius. Proceeded to lose most of that gain in the dot com bust. That stock would be worth $8M+ today. 🤷‍♂️

[Ryan King @makingmsimple]

Interesting. But isn’t this just an annuity?

[Torsten Bell @TorstenBell]

NEW: We are going to resurrect genuine pensions for millions of private sector workers

[Ryan King @makingmsimple]

How many ETFs you actually need at each level:

💸 0k-10k: 1
💸 10k-100k: 1
💸 100k-500k: 1
💸 500k-1m: 1
💸 1m-10m: 1
💸 10m+: 1, maybe 2

Investing doesn’t need to be complicated.

[Ryan King @makingmsimple]

Shocking, really.

[The Martin Lewis Money Show Live @itvMLshow]

Student loan repayment thresholds were not mentioned in Wednesday’s budget 📚

Martin put Matt’s question to the Chancellor.

Watch tonight’s full show back on ITVX📺

#MartinLewis

[Ryan King @makingmsimple]

Another nice and simple addition to the UK tax system.

Good luck to the pensioners trying to work this out!

[Paul Lewis @paullewismoney]

Low income pensioners face 53.33% tax! The new Pension Tax Allowance (it's a refund not an allowance) means an extra £10 of income between £13,037 and £13,319 has £2 income tax taken and loses £3.33 PTA which is withdrawn £1 for £3 above £13,037, leaving just £4.67 of that £10.

[Ryan King @makingmsimple]

You never, NEVER, know what will come.

[Brew Markets @brewmarkets]

What a chart.

[Ryan King @makingmsimple]

Frozen repayment threshold at £29,385

And still being charged up to 6% interest.

Graduates shafted again, ole ole.

[George Eaton @georgeeaton]

Govt wrong to keep the Plan 2 student loan threshold frozen at £29,385 for three years.

This means more graduates on low incomes paying a 37% marginal tax rate and no effort to repair a breach of trust.

[Ryan King @makingmsimple]

Give 3:10 - 5:37 a watch.

This was my thoughts yesterday.

A lot of good, little things, but probably not enough impact.

[Sky News @SkyNews]

'The minister has very bravely offered to go through some of the charts from the budget'

@dantomlinsonmp joins @EdConwaySky at the screen to talk through the numbers behind today's announcement

https://t.co/UbdOIQ4Qqg

📺 Sky 501, Virgin 602

[Ryan King @makingmsimple]

Genuinely impressive how we manage to overcomplicate every single tax, in every possible way.

[Dan Neidle @DanNeidle]

Let’s welcome into the world the UK’s new 53% tax rate, for pensioners earning between £12,570 and £13,037:

[Ryan King @makingmsimple]

Mate you’ve copied my tweet. Almost word for word

At least tag me. Very bizarre

https://t.co/7J3JwdHtXg

[Ash Davidson @AshDavidsonUK]

UK new minimum wage: £27,456 per year.

Higher-rate tax bracket: £50,270.

1.8x difference today.

It was a 5x difference in 1997.

[Ryan King @makingmsimple]

Wait, isn’t this actually a downgrade?

With the current LISA, there’s no ‘max’ on the bonus you can get.

And it’s paid straight away, not at the end, so it has a chance to compound as well.

[Martin Lewis @MartinSLewis]

A welcome change to the First Time Buyers ISA due to launch in 2029. The original plans meant you only get the 25% bonus on the contribution not interest, we and many others said this was a downgrade. Now at exchange you get a 25% on everything in your account up to £20,000 (so £5,000 max bonus). #budget2026

[Ryan King @makingmsimple]

@luvfatoom Agreed!

[Ryan King @makingmsimple]

Three government U-turns in the Budget today:

1. Cash ISA cut to £12k

2. Banning transfers from Stocks ISAs to Cash ISAs

3. 22% tax on uninvested cash inside a Stocks ISA

Now ALL scrapped ❌

[Ryan King @makingmsimple]

How the UK Budget will impact your ISA, pensions and investments

👇
https://t.co/vGpKLciiUO

[Ryan King @makingmsimple]

Genuinely is insane how the government can threaten something, scare people, then pull the plug last minute.

Will see what they announce officially later today.

[Martin Lewis @MartinSLewis]

UNCONFIRMED: Reports in FT 2027 cash isa reduction for under 65s to £12,000 to be scrapped so it will stay at £20,000.

[Ryan King @makingmsimple]

UK new minimum wage: £27,456 per year.

Higher-rate tax bracket: £50,270.

1.8x difference.

In 1997 there was a 5x difference.

Mind boggling.

[Ryan King @makingmsimple]

Your favourite stock picker who never shows their losses online

[Polymarket @Polymarket]

JUST IN: Anthropic says they’re highly profitable if you take out some of their biggest expenses.

[Ryan King @makingmsimple]

🚨 BIG - and fantastic - news for UK investors.

Vanguard’s new ETF has massive global diversification. For a rock bottom 0.07%.

The full details, what brokers offer it, should you switch to it, & more 👇

https://t.co/woR4ADXxgt

[Ryan King @makingmsimple]

🚨 BIG - and fantastic - news for UK investors.

Vanguard’s new ETF has massive global diversification. For a rock bottom 0.07%.

The full details, what brokers offer it, should you switch to it, & more 👇

https://t.co/woR4ADXxgt