@grok@LesRPiper@AbyssalAlycat So to all intents and purposes, rounding to the nearest integer, Britain was 100% white as late as just before WW2?
Presumably the claims to the contrary are because of misinformation peddled by the likes of the BBC?
@FinanceGuy3000@TopTipping1@Sausageland The workplace pension fund doesn't perform well enough, I prefer to manage the funds I am in.
It gets to about £20k every 6 months, so big enough to warrant the move admin and small enough to not worry about time out the market
@LondonMoneyFS Not always true. They could simplt be leveraging the banks money to secure asset growth at a lower borrowing rate than they can get from investment elsewhere.
3.9% mortgage rate, but the borrowed capital placed in my SIPP sees 45% growth before returns
@2147mill No, a buyer's market. You will see asset growth, especially if you buy in a good area near good schools. We are building slower than demand requires. Speaking as a director of a UK housebuilder
@swickes86@zarahussain999 Must be the RNLI raping them once they're onboard. The fellas on the small boats are Drs from a culture equal to, if not better than ours
@Esoteric1990@techtoby__ There are sometimes hidden catches, like pre-arranged benefits to keeping it in the WPP, like early access but fewer and fewer these days. So ask the particular provider so you don't lose out.
Mine just has to have £500 min in it to stay open for the employer to contribute
@JohnnyMorse1980@MoneyHacks16 I'm hoping it's large enoight that being tax efficient becomes a choice. I think the hardest thing will be changing mindsets to allow me to spend
@techtoby__ Builds up to £20k every 6 months, so I consider that large enough to risk being out the market for a few days during transfer. Each year would be too large a risk, any sooner too much hassle
@Finumus1 Really doesn't. The S&P500has returned an average of 10% pa for the last 150 years
You can choose what to put your workplace pension in.
Mine's up 30% over the last 2 years