@petercandy1234@Tgarratt10 I mean, it does matter. Mbappe left PSG and they’ve won back to back champions leagues with everyone running their socks off. It’s not necessarily negative
@oliverhenry it’s good in theory but limited speeds and Vodafone network concerns me. I’m with Mozillion who uses EE masts, it’s cheaper and been great. Obviously depends what signal is like in your area, though
@DAZNBoxing@ringmagazine Absolutely fucking horrific night for boxing. Pound for pound number 1 battered all night then stopped early via corruption. Absolutely tragic
@Therichardralph@CompoundingISA of course looking at returns stock market is better, but no one knows what is going to happen. Yes if you have a super long time frame it’s almost a certainty you’d win, but there’s no shame in diversifying and willing dropping a few % here and there to hedge
@earnlearninvest@freedombill3 why would you do that? It’s essentially the same thing, you’re getting the tax back that you’ve paid when adding to the SIPP
You’re also paying tax when withdrawing from a SIPP, it’s one of the more infuriating things about these posts, it’s not magically added, taken on way out
@CBTsportsfan@Tgarratt10 You can look at any betting exchange, betfair, smarkets, it’s just people betting on both sides of the result so it’s the legitimate probability. Of which they’re 3rd favourites
@Nathanv4_@PervyHerby1@mcandidate point doesn’t stand at all haha, that’s an absurd assumption, you can get them at 130/1.
That’s like saying the Swedish league winners aren’t underdogs for the Champions League as they won their domestic league
@mkaur28120539@wih_archives@hewantswealth X is just 🤦🏻😂? You replied to a pension post asking😂 also you can choose what you invest in within your SIPP, hence why I answered
@mkaur28120539@hewantswealth Stocks and shares ISA, use your allowance first before considering a SIPP. Also wouldn’t focus too much on S&P500, if you’re a passive investor just invest in vanguard all world global cap or something.
Unless you’re in the 40% tax bracket, in which case SIPP worth looking at
@CashfloCrusader @2147mill@JamesP728@Trading212 it’s definitely a utility. I just think you’re better off filling your S&S ISA initially though. It’s basically the same apart from you can have access to it whenever you want
@2147mill@Trading212 People hyping the SIPP 'free 20% top-up' are missing the point. You pay in £80 net (your post-tax money), provider claims 20% basic-rate relief from HMRC → £100 in your pot. But when you withdraw, it's taxed as income (bar the 25% tax-free lump sum). Not free cash, it’s deferred
@CashfloCrusader @2147mill@JamesP728@Trading212 This doesn’t make sense to me, you’ll pay the tax on the way out when withdrawing anyway. Only way a SIPP makes sense to me is on any income that’s in the 40%+ tax bracket.