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Savings and Investments thread

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  • Just 10 days to go:

    NameLevel
    bobmunro8452
    HardyAddick8548
    CAFCWest8621
    PragueAddick8725
    holyjo8810
    Pedro458925
    Rob7Lee9000
    Solidgone9021
    BalladMan9058
    wwaddick9104
    fat man on a moped9116
    guinnessaddick9152
    valleynick669165
    RalphMilne9168
    Addickinedi9176
    Carter9212
    CharltonKerry9234
    blackpool729245
    Housty9254
    WHAddick9335
    cafcpolo9395
    Diebythesword9400
    Addick Addict9424
    Friend or Defoe9657
    Jints9750
    Thread Killer9761
    @TelMc32 
    aitchyaddick 
    Arsenetatters 
    Bangkokaddick 
    CAFC, we hate palace 
    cafc7-6htfc 
    CAFCsayer 
    Covered End 
    Daarrrzzettbum 
    Er_Be_Ab_Pl_Wo_Wo_Ch  
    Exiledin Manchester 
    Fortune 82nd Minute 
    Gary Poole 
    golfaddick 
    happy valley 
    Hoof_it_up_to_benty 
    Hornchurch 
    Huskaris 
    IdleHans 
    Jamescafc 
    Jon_CAFC_ 
    KentAddick 
    Killer Kish 
    LargeAddick 
    Lenglover 
    Lonelynorthernaddick 
    meldrew66 
    Morboe 
    MrWalker 
    Name 
    oohaahmortimer 
    Redman 
    Salad 
    StrikerFirmani 
    thecat 
    TheGhostofTomHovi 
    WishIdStayedInThe Pub 
  • Quite the wide range!
  • Hi Rob - been a bit busy lately.

    9101 for me, please.
  • 8876 please. Too much optimism around 
  • 9025 please 
  • Huskaris said:
    First read about "Henry's" in a great article in The Economist, Standard have done a good article below. I find this area and this group of people fascinating. 

    https://www.standard.co.uk/lifestyle/henrys-high-earners-not-rich-yet-london-struggling-b1238642.html

    First World problem. Privileged group moaning about their lot and expecting sympathy.

    If this is the biggest problem in your life you don't have too much to worry about.


    The point is it’s no longer a “privileged group”. £100k a year in London isn’t a lot. You can have highly specialised relatively junior roles popping into £100k territory. I want people to earn as much as they can so the tax man can take as much as they can without hurting productivity. The 65% tax trap doesn’t do either.
    I think a lot of people would think it was a lot. There are plenty of people doing valuable jobs who get paid peanuts because society doesn't value their roles - they'd love to get a decent wage. 


  • Huskaris said:
    First read about "Henry's" in a great article in The Economist, Standard have done a good article below. I find this area and this group of people fascinating. 

    https://www.standard.co.uk/lifestyle/henrys-high-earners-not-rich-yet-london-struggling-b1238642.html

    First World problem. Privileged group moaning about their lot and expecting sympathy.

    If this is the biggest problem in your life you don't have too much to worry about.


    The point is it’s no longer a “privileged group”. £100k a year in London isn’t a lot. You can have highly specialised relatively junior roles popping into £100k territory. I want people to earn as much as they can so the tax man can take as much as they can without hurting productivity. The 65% tax trap doesn’t do either.
    I think a lot of people would think it was a lot. There are plenty of people doing valuable jobs who get paid peanuts because society doesn't value their roles - they'd love to get a decent wage. 


    Sure, and the answer to that is to try and get them to a point where they are being paid more for what they do. That’s (provably, as it’s currently the case) not done by suppressing the wages of everyone else. 
  • Huskaris said:
    First read about "Henry's" in a great article in The Economist, Standard have done a good article below. I find this area and this group of people fascinating. 

    https://www.standard.co.uk/lifestyle/henrys-high-earners-not-rich-yet-london-struggling-b1238642.html

    First World problem. Privileged group moaning about their lot and expecting sympathy.

    If this is the biggest problem in your life you don't have too much to worry about.


    The point is it’s no longer a “privileged group”. £100k a year in London isn’t a lot. You can have highly specialised relatively junior roles popping into £100k territory. I want people to earn as much as they can so the tax man can take as much as they can without hurting productivity. The 65% tax trap doesn’t do either.
    I think a lot of people would think it was a lot. There are plenty of people doing valuable jobs who get paid peanuts because society doesn't value their roles - they'd love to get a decent wage. 


    Sure, and the answer to that is to try and get them to a point where they are being paid more for what they do. That’s (provably, as it’s currently the case) not done by suppressing the wages of everyone else. 
    Unfortunately that would lead to higher inflation, which would lead to higher interest rates, which would mean higher mortgage payments.....and for those that rent (which are a lot of the lower paid) will mean higher rents as landlords who have BTL mortgages increase the rent.

    No easy answer I'm afraid. Average income is around £32k pa so anyone affected by the reduction in the PA is earning 3x the average. 

    And it will get worse. Taxes need to rise. No idea where Rachel Reeves will go to next but I suspect it wont be from the low paid.  
  • Came on here to say the FTSE finished above 9000 for the first time ever & the S&P500 hit an intra-day high earlier today. 
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  • Came on here to say the FTSE finished above 9000 for the first time ever & the S&P500 hit an intra-day high earlier today. 
    Crazy crazy times.

    Ever since I moved my pension earlier in the year (as cash, which was a little risky) my top performers are (all ETF's):

    NASDAQ up 17.1%
    FTSE250 up 12.81%
    S&P500, FTSE100 with up just under 7.5%

    The others range from 3.5-4.5%.

    Happy days, just wish I'd have invested more! (still have a bit under half in cash)
  • 8301 again please 
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