The Freedom Investor

🇬🇧 NI dad documenting the £0 → £100K S&S ISA journey in real time | No inheritance, no windfalls | Currently: £65K | Long-term wealth for my family

[The Freedom Investor @NorthCoastFi]

@GuyTalksFinance Everyone is different and you must do what is right for yourself and your family. I am in a similar boat

[The Freedom Investor @NorthCoastFi]

@JamesP728 @BobRealistBTC I’d love to see £110 per share or else anything below my sell price which was £111.36

[The Freedom Investor @NorthCoastFi]

@MoneyHacks16 That’s amazing! Well deserved

[The Freedom Investor @NorthCoastFi]

@BobRealistBTC @JamesP728 I’m hoping vuag drops a bit because I’m looking a re-entry for a portion of it

[The Freedom Investor @NorthCoastFi]

@DividendDrip I hope the next 10 and 20 years are as prosperous

[The Freedom Investor @NorthCoastFi]

Mortgage dilemma I can’t seem to shake. 🤨

£43k left. Fixed at 1.4% until April 2027, when it jumps to around 4.8%. Eight years left on the term.

Option A: leave the £43k invested in VUAG. Based on long-term average returns, it could grow to around £67k over the next eight years.

Option B: clear the mortgage. Get rid of the biggest monthly outgoing before the rate hike lands, then put everything that’s freed up into higher SIPP and ISA contributions over the next decade to try and make up for some of that lost growth.

The maths says Option A wins. Cheap debt, a long investment horizon, and compounding do the heavy lifting. On paper, that’s the rational choice.

But life isn’t lived on paper. A mortgage rate reset arriving while you’re raising two kids and running a business changes the equation. There’s a part of me that thinks being completely debt-free would change how every other financial decision feels.

I’m still going back and forth.

Has anyone here actually faced this decision with real money not just in theory? Which way did you go, and looking back, would you make the same choice again?

[The Freedom Investor @NorthCoastFi]

@ItsJamesHall What you thinking of pivoting to?

[The Freedom Investor @NorthCoastFi]

@cryptorover Anyone delaying this needs to go!

[The Freedom Investor @NorthCoastFi]

@DefendDark I really hope America 🇺🇸 pulls this off! I have a nice juicy sell bag waiting for this cycle

[The Freedom Investor @NorthCoastFi]

@DividendDrip Every little helps !

[The Freedom Investor @NorthCoastFi]

@JackJamesPR It feels like a little bonus each time! Great to have multiple per day

[The Freedom Investor @NorthCoastFi]

@OptimoResearch Thank you m8, hope you’re getting on well too!

[The Freedom Investor @NorthCoastFi]

Checked the ISA and did a double take — £66.8k.

3 years ago this was £0. Same boring £200/month into VUAG the whole way.

Nobody tells you how anticlimactic wealth building actually is. It’s just… showing up.

Thanks Crypto for the boost!

[The Freedom Investor @NorthCoastFi]

@JE_Investing I must admit I did well on crypto and it propelled me forward. Absolutely glad of it

[The Freedom Investor @NorthCoastFi]

@JE_Investing Thank you m8 hope you’re going well too

[The Freedom Investor @NorthCoastFi]

November 2024. Trump wins. I made the call to go in heavy on crypto with way more risk than I’d normally take on.

Screenshot below: portfolio just crossed £250k 🇺🇸📈

Breaking down exactly how I got here in a future post, the wins, the risk calls, all of it.

[The Freedom Investor @NorthCoastFi]

@cryptorover Yes and going to play a little defence with an idea I’m planning

[The Freedom Investor @NorthCoastFi]

@GrahamStephan It usually means that the next 10 years or so lags badly compared to the previous history which is why I played a little defence today

[The Freedom Investor @NorthCoastFi]

@Marcus_F_Nero Yes m8! I didn’t multiple times and regretted it later but planning an idea as we speak. I tend to be quite fluid where there’s opportunities

[The Freedom Investor @NorthCoastFi]

@JE_Investing Well done 👏

[The Freedom Investor @NorthCoastFi]

@ALIGNbyRD_ Great minds! That’s a healthy chunk. I am speaking to the wife later about an idea so I will post up what I decide going forward. When Warren Buffett says everything is overpriced etc that echoes in my brain! So I might play a bit of defence shortly!

[The Freedom Investor @NorthCoastFi]

Sold my entire ISA VUAG position today. £67,261.92 out, £4,095.25 of that pure gain — tax-free thanks to the wrapper.

Method in the madness: watched this thing print new all-time highs for years and never banked a penny of it. Not this time.

What I do with it next is a different post. 👀

GIA still there, SIPP still there, 67.2K parked in cash at 4.26% while I investigate an idea!

[The Freedom Investor @NorthCoastFi]

Great minds! That’s a healthy chunk. I am speaking to the wife later about an idea so I will post up what I decide going forward. When Warren Buffett says everything is overpriced etc that echoes in my brain! So I might play a bit of defence shortly!