Johnny Gibbins

Rotherham United fan | Friend of the Ramble

[Johnny Gibbins @royalfunkness]

@RossM450580 @chrismillson91 For 5 games a season?

Absolute cult hero, but never adjusted to full time football. A shame, because he clearly knew where the net was.

[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

[Johnny Gibbins @royalfunkness]

@lucyjaynewhite1 Get in the sea you fucking cretin

[Johnny Gibbins @royalfunkness]

@paulm_davis Love the final line 👍

[Johnny Gibbins @royalfunkness]

@LukeHensby @HazRufc He kept it simple as well. Always available at throw ins. Think he's one of the players we've missed massively

[Johnny Gibbins @royalfunkness]

@CinemaPrincipia @DarkI3INARY @GuyonLI @OchoYMedioGama @CyrilH44 Manchester by the Sea is the best film of the century. Nay, of all time!

[Johnny Gibbins @royalfunkness]

@paulm_davis He'll get about 5 minutes of football with Curaçao

[Johnny Gibbins @royalfunkness]

@paulm_davis At the start of this season, there was no way I thought we'd be in a relegation battle. Was hopeful of a play-off push.

I've now started to think along the lines in this column; we could feasibly be out of the league soon. We can't seem to arrest the fall 😕

[Johnny Gibbins @royalfunkness]

@RothersMatt @paulm_davis Not just the formation. Benson and Watmore adding some actual quality in areas where it has been seriously lacking

[Johnny Gibbins @royalfunkness]

@TurkTalksFC Harry Kane should be much higher

[Johnny Gibbins @royalfunkness]

@paulm_davis Cheers Paul

[Johnny Gibbins @royalfunkness]

@WestStandWindy @paulm_davis *2008 and you're spot on 😂😂

[Johnny Gibbins @royalfunkness]

@paulm_davis Let's be honest, he's been good for us. But he isn't anywhere near the quality of a Man Utd starter.

Hope we can pick him up for nowt, or next to nowt.

[Johnny Gibbins @royalfunkness]

@paulm_davis You only have to look at the job listings that club puts out to realise why they can never get staff.

They want a fully qualified person with experience and pay them a Pukka Pie plus bonus of mash & peas if they hit the KPIs.

The club behind the scenes is shocking

[Johnny Gibbins @royalfunkness]

@joe_thomas18 @aide_dews He was never fit, really struggled for minutes.

Looked good when he played, if a little raw. Needs to become more robust - but he was just one player on a long injury list this season

[Johnny Gibbins @royalfunkness]

@paulm_davis Think that's the best side we can put out today tbf.

Was thinking perhaps a T Holmes start, but it's probably too soon. UTM

[Johnny Gibbins @royalfunkness]

@nocontextfm1 Juninho Pernambucano

[Johnny Gibbins @royalfunkness]

@miller83862 So the comment from the article needs explaining then...