Toph

In a world of conflict, a world of victims and executioners, it is the job of thinking people, not to be on the side of the executioners..

@PolitlcsUK Bro your B52’s and B1’s have been taking off from fairford every fucking day to strike Iran… 🤣

🚨 WATCH: Donald Trump says he's unsure if the US will "be there" for the UK in the future "We're always going to be there. Well, at least we were. I don't know about anymore, to be honest with you"

@freedombill3 You’re one of the first people ever to refer to me correctly as Toph when shortening Topher.. do I know you somehow? 🤣

You have absolutely nailed the maths there Toph. A 25% minimum deposit means that £25,000 cash pile is swallowed by the deposit alone, leaving nothing to cover the stamp duty or solicitor fees. It just proves how incredibly high the barrier to entry is for physical property these days. The stock market lets you start building wealth immediately without needing a massive lump sum, and the passive income side is just as powerful. Even if you only invested fifty pounds a month over ten years, $VWRL brings in roughly £650 in dividends. $VUSA adds roughly £550. $EQQQ chips in roughly £250. That is an overall total of roughly £1,450 in dividends for all three too. The barriers to entry for equities are virtually non-existent compared to bricks and mortar.

From an early age, we are told that the only way to become truly wealthy is to buy physical property. We are conditioned to look at buy-to-let property as the ultimate financial finish line. However, today, the actual math behind that dream is completely broken. Meanwhile, we are warned that the stock market is just a massive casino designed to lose all your money. It is the biggest financial lie we are ever told, and it keeps millions of people trapped in a stressful second job. Let us look at the actual numbers over a thirty year timeline. Imagine you manage to save up £25,000 in cash. You follow society's advice and use it to cover the deposit, stamp duty, and solicitor fees on a basic £100,000 rental apartment. For the next 30 years, you are effectively a part-time landlord. You pay for broken boilers and burst pipes, you replace ruined carpets, and you constantly worry about the tenant paying their rent on time. After 30 years of hard work, your property might perform brilliantly and grow to be worth £400,000. Your property has increased in value by £300,000. However, when you finally go to sell it and claim your reward, the reality of Capital Gains Tax hits you. The government treats your property profit as a massive payday and demands their cut. They take 24% in Capital Gains Tax on residential property profits for higher earners. You are forced to hand over roughly £72,000 straight to the taxman just for the privilege of selling your own bricks. Once you clear the original mortgage with the bank and pay that 24% tax bill, you are left with around £253,000 of actual cash in your hand. Now look at the alternative..... You ignore society's advice, take that exact same £25,000, and push it straight into a Stocks and Shares ISA. Instead of buying bricks, you buy slices of the biggest tech companies on the planet through the Nasdaq 100 $EQQQ. You never fix a single leaking roof, and you never chase a single late payment. Historically, the tech heavy Nasdaq grows your money by an average of 13% every single year. You just leave it alone for 30 years and let the 13% mathematical snowball do the heavy lifting. Over three decades, that silent machine turns your original £25,000 into just under £975,000. And because it is wrapped securely inside an ISA, the taxman is legally locked out. Your Capital Gains Tax bill is exactly 0%. Let us look at what you end up with at the finish line. The property leaves you with £250,000, but it costs you 30 years of stress and a 24% tax penalty. The Nasdaq 100 leaves you with nearly a million pounds in pure, tax-free cash, and required absolutely zero effort. The stock market crushes the buy-to-let property, leaving you with around £700,000 more in the bank. Which machine are you building? Stop fixing toilets. Buy the assets.

@2147mill Wait?! Hasn’t much saved but can afford £1100 to invest each month…. That’s a lot of pints currently then 🤣

In other news 🤣🤣

@2147mill What I mean is. It’s quite easy to sit back and say when you’re in profit. It’s comfy. Market dips you buy more.. when you’re in minus and it dips further it’s gut wrenching to press buy AGAIN know this could also be another -10% or -20% buy…

@2147mill Sure that’s the mindset of course… but I can tell you it’s hard when your portfolio is down 15% or so.. while you’re happy for gains I’m out here fighting for break even to then even begin to think about gains.. more should be said about those in the same position as me..

A mindset that has helped me with investing is realising there is no need to ever cash out or sell. The plan is to eventually live on the income from my investments so removing the thoughts of selling really does ease the mind. Literally keep buying whenever I can and each buy gets me one step closer to being able to stop working at the fiat mine. Agree?

@JulieChivers61 @Jenny_1884 And the mad ones is sun cream… the ones you’d think are good are like 10/100 and there are some right up into the 80’s/100 and 90’s/100 and again you’d never expect those ones to be that good. Crazy how insightful that app is

@Jenny_1884 I’ve downloaded the Yuka app, if you scan the barcode on anything, food, toiletries it will tell you what’s in it and if it’s bad for you and why. Very interesting x

Has anyone else started checking the ingredients of products that they are buying nowadays especially if it has palm oil in which is supposedly bad for us? It’s a real eye opener what is being put in our food.

@2147mill How much does that pay you? Genuine question? Congrats also put it in the pie

2147m impressions on this one fucking Tuesday. Biggest day ever. Gn friends

@2147mill I copy your pie but I actually made some small changes and this is one I upped the allocation percentage on it 😎👌🏻

This is a fund I hold and see it doing well over the coming years as space travel and exploration ramps up. Anyone hold it?

@freedombill3 But genuinely it’s a cool experiment just maybe be a bit clearer with the info 😎👌🏻 all the best hope you succeed

@freedombill3 Which platform even allows you to invest 2pence or 3 pence etc…

The penny machine has officially smashed through the £100 milestone. For anyone new to the timeline, the mechanics behind this system are incredibly simple. On day one which was January 1st, the strategy moved a single 1p into the stock market for each holding. On day two, it moved 2p. Today is day 83, meaning 83p was pulled from my bank account and invested in the background into each. The total portfolio value has now crossed the triple digit barrier to sit at £102.26. However, the actual amount of cash in the pot is irrelevant. The entire point of this challenge is to force the physical habit of buying assets. So many people wait until the end of the month to invest whatever wages they have left over. That usually means they invest absolutely nothing. This system forces you to pay yourself first, every single day, completely on autopilot. Once you prove to yourself that the daily investing habit actually works, scaling up the cash amount becomes effortless. That daily pocket change is split across three different pots, buying up slices of the global market. Even with tiny amounts, the passive income machine has already started working. The $VHYL and $VUSA pots are currently building their foundations with zero dividends received so far. The $JEPQ pot has already paid out 8p in pure free cash. Automate the habit, and the wealth will naturally follow.

@freedombill3 I use the same.. but yeh you have confirmed as I thought. You can’t invest pennies.. Thanks.

@2147mill Whilst it’d be great I struggle to comprehend you think a US / Israel led campaign would align with the UK tax year… unless you weren’t aware the US tax year isn’t April to April?

Markets down until April 6th. New tax year. Max buying. Pump. It’s written in the stars

@WitnessDecline @2147mill @Trading212 He says confidently with years of hands on industry experience… Note to self…. People were saying this in the 70’a, 80’s 90’s 2000’s and so on..

@2147mill @Trading212 Nope. The UK will be failed state status in 5 - 10 years and the currency will be worth less than toilet paper. Any money you put into a pension, you may as well set on fire.

Here’s the SIPP on @Trading212 Will you be using it?

@ShardiB2 Hahaha I know I know.. I genuinely feel like apologising it was so bad 🤣 can laugh about it when I look back at $200+ 😎🤙🏻

@TopherKIS Great job! Next time don't chase!!

$SWMR UP $10!!!!!

@bige198 @ShardiB2 Dude I had an average buy price of $63.80 only a week ago… now averaged down but come on we all know this stock is set for Billions.. BLACKWATER … say no more

@ShardiB2 I’m a bag holder now :). My avg. cost is 41

This is a huge move on $SWMR Getting it all back from yesterday.... KILLING myself for not adding more yesterday SHIT but thought we could see $15-$20 In one day a small company like this was in Barron's and featured on Cramer, crazy