MS

Self described genius. Biased towards Islam Makhachev. YNWA 🧣

[MS @unknownuserx88]

@Hassan241 Shits are coming out so much smoother too

[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

[MS @unknownuserx88]

@SteveBa99880334 Why the fuck are you going out complaining when you could’ve made the simple cut of ‘2x child’ 🤔

[🇧🇷 ₇ @roryrmfc]

eu te amo.

[fan 🇵🇹 @NoodleHairCR7]

How do you solve a problem like Kane?

[ITV Football @itvfootball]

"Why would you ever doubt him" 🙌

Roy Keane reacts as Cristiano Ronaldo becomes the first man to score at 6 different World Cups...

[The CR7 Timeline. @TimelineCR7]

🚨

Were you just saying to the cameras now, "I've come back, I've come back?”

CRISTIANO:

“Just so they don't forget, just so they don't forget.”

Is this the best response you can give to the criticisms?

CRISTIANO: “Always, 23 years it’s been like this.”

[محمود مجيد @MMajeedX]

A U R A https://t.co/MTkvXp0g4J

[MS @unknownuserx88]

When it’s Ronaldo they’ll make him out to be the dirtiest dictator but oh of course when it’s the golden boy messi they’ll suck his bollocks clean dry fucking bunch of cunts

[MS @unknownuserx88]

DID YOU EVER FUCKING THINK???????

[OpTic Shotzzy @Shotzzy]

SIUUUUU

[Fabrizio Romano @FabrizioRomano]

🌎🇵🇹 The first Cristiano Ronaldo ™️ celebration of the 2026 World Cup. 💥

[MS @unknownuserx88]

SUIIIIIIIII

THE GREATEST EVER 🐐🐐🐐🐐🐐

DID U EVER FUCKING THINK HE WAS GUNNA LEAVE QUIETLY HAHAHAHA

THE GREATESSTTTTTTT SUIIIIIIIIIIII

[Liban @LibanLDN]

.@Cristiano

[MS @unknownuserx88]

@AdamJSchwarz Do you sleep by any chance Adam?

[R @rjb_1998]

"I don't know what hakimis done to upset the locals" fuck off ally mccoist you stupid fucking cunt

[~ @mercyl4s]

People who achieved nothing in their footballing career are advising Cristiano Ronaldo how to play football and be a team player. This irony of this is very hilarious

[MS @unknownuserx88]

@JamesPearceLFC All this negative reposting and tweeting about one of the greatest to play. Has he hurt you James?

[skywalker.🅴🇵🇹 @ntmgfrvr]

REMEMBER WHO YOU ARE, @CRISTIANO.

[The Athletic | Football @TheAthleticFC]

As brilliant and utterly irrepressible as Lionel Messi is, there have been a few occasions during his illustrious career when opponents — and certainly opposition fans — have suggested that he has received “special treatment” from referees.

What is certain is that, between scoring his first and second goals against Algeria, he got lucky. A challenge on Algeria captain Aissa Mandi, who was caught by Messi on his right calf and Achilles tendon, could have earned at least a yellow card — and plausibly a red card — but Polish referee Szymon Marciniak was content to award a free kick.

It was a strange incident. Mandi was in control of the ball, going nowhere fast, and there was little prospect of dispossessing him from Messi’s position. To make a lunge like that, with his studs up, seemed incomprehensible, never mind dangerous.

Special treatment? At the very least it was lenient refereeing. A yellow card would perhaps have been the most widely expected outcome — a red card second — but Messi was certainly lucky to get away scot-free.

✍️ @OliverKay

FREE TO READ: https://t.co/qmXtQ0ErQN

[MS @unknownuserx88]

Bitch boy didn’t have the balls to show his face, immediately went to cover. Truly a coward 😗

[SportsCenter @SportsCenter]

Ilia Topuria was helped out of the Octagon by his brother and left on a cart.

#UFCFreedom250