Joel | 27 | UK | ISA Investing Journey |

If someone gave you £100,000 to buy 1 stock or 1 crypto or 1 etf, What are you buying?

@unusual_whales 👀👀👀👀📈📈📈🙏🏼🙏🏼🙏🏼🙏🏼

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@companytrifecta Thank you for your input bro

Think like your 60. After 30 years annoyingly giving your bank rent in the form of interest, your rent payments stop. Actual rent however never stops and keeps increasing. Which one does your 60 year self wish you had done? If you do rent, you need to factor in the additional retirement income you will need to keep paying rent. The rent plus the additional saving will come to far more than any mortgage payment. For same size house. Not forgetting of course if you need £1,200 a month for rent today, you’re probably going to need £4,000 or more in 30 years

Renting and "throwing money away" vs buying and paying interest to a bank for 25 year🏦🏠 Nobody calls a mortgage "throwing money away" even though the first 10 years are almost all interest. 
Nobody calls rent "flexible" even though it is. Both are just the cost of living somewhere. The argument is a distraction. Change my mind?

JUST IN: JPMorgan reveals its AI investing agents beat a traditional 60/40 portfolio in 20-year backtests.

@Betubfin @blknoiz06

In a few hours, I'll reach 500k impressions

🚨UK HOUSE MARKET 🏠🇬🇧 A 2 bedroom flat near me is on the market for £175,000. With a 15% deposit and today's rate of 5.1% over 30 years, you're looking at £745 a month mortgage. Over the full term that's £268,200 paid back. 
£130,950 of that is pure interest. Compare that to renting the same size flat, which goes for £1,300 a month round here. Stick with that for 30 years and you've handed over £468,000 — with absolutely nothing to show for it at the end. That's a £199,800 gap in favour of buying, And house prices don't stand still either. At a modest 3-5% growth a year, that flat could realistically be worth anywhere from £425k to £756k by the time it's paid off. Yet people will still tell you renting is the smarter move because you've got "flexibility" Do you agree, yes or no?

Is a comfortable retirement realistic for the average British pensioner on the state pension alone? 🇬🇧 Yes or No?

@elonmusk solana:6AVAUKa9uxQpruHZUinFECpXEh1usRVtzQWK8N2wpump

He takes scamming to a whole new level

@sama Shut up solana:6AVAUKa9uxQpruHZUinFECpXEh1usRVtzQWK8N2wpump

homeboy you're the one sellling public market investors on short-term space datacenters

@FifordMatt Oh yes it’s coming home baby 3-2 norway

Anyone else looking forward to the game tonight 🏴󠁧󠁢󠁥󠁮󠁧󠁿🏴󠁧󠁢󠁥󠁮󠁧󠁿⚽️⚽️⚽️🥳🥳 watching it with my sons and family 💙

@FifordMatt Matttttt👀👀👀👀

@JGreenCrypto 👌👌

We eating good tonight.

@ArghoGh32280021 Guess the meat man

@JGreenCrypto What is it?

@harry_210189 Let goooooooo

@JGreenCrypto LETSSSS GOOOO!!!

ENGLAND TONIGHT, Let’s Goooooo

@TheSecretAcct Thanks 🙏🏼 how’s you

@JGreenCrypto Good summary. Even better for higher rate tax payers.

SIPP (Self-Invested Personal Pension) Put £8,000 into a SIPP. 
HMRC tops it up to £10,000 automatically. That's a guaranteed 25% return before your money is even invested. There is no stock, no crypto, no "hot tip" that beats a guaranteed 25%. Higher-rate taxpayers can claim back even more through self-assessment — effectively turning a £6,000 contribution into £10,000 in your pension. Most people leave this money on the table simply because they never file the claim. You can access a SIPP from age 55 (rising to 57 in 2028). 
25% of it can usually be withdrawn completely tax-free. If retirement planning were taught in schools, SIPPs would be lesson one. Anything to add?

@mattwatson100 Nice Matt nice 🙏🏼👍🏼📈

@JGreenCrypto Claim the 60k SIPP pension relief up to 3 years ago and your tax return can specify which year it's allocated to.. so allocate to the oldest pot to carry forward more allowance

@the40investor Thanks Jamie mate, hope your weekend going good

@JGreenCrypto Enjoy Joel 👍🏻

@RunwayToWealth Haha the nicer it is the smaller the portion they give you 😭

@JGreenCrypto That food looks amazing only issue I have is there’s never enough 😭🤣

@excelonman Thank you 👀🙏🏼👍🏼💭🧠📈

@JGreenCrypto People surprisingly don't value understanding money, the basics of tax relief, compound interest over time, tax efficiency. It's your money, you have worked for it, learn to make IG work for you because no one else will.

The "average" retirement age in the UK is 66. 
The average person's pension pot at 65 is £145,900. 
A "safe" withdrawal rate on that is roughly £5,800 a year — on top of the state pension. That's the real number nobody puts in the headline.

@groks1friend 😭😭😂😂😂😂

@JGreenCrypto Plenty for the old cunts to get on with then

@companytrifecta Thanks mate 👀🧠💭

When I were a lad moons ago, I tried to tell young work colleagues how much they should be saving as they’ll need a million pound pot easily, having just worked out the surprising truth myself, which was 30 years away for us then. The disinterest, sometimes disbelief was shocking, and many just said the state will look after me. It won’t. Set yourself some goals in an online savings calculator, and double that savings pot goal which is in today’s money, for every 10 years away your retirement is, and get investing. 4% in a cash ISA is not going to get you there, unless you can save huge sums monthly.

📊MORGAN STANLEY BOUGHT $13.2 MILLION IN BITCOIN THIS WEEK The Wall Street bank has seen only a single 1 BTC outflow in the entire period tracked, with every other movement being an inflow from Coinbase Prime into its MSBT trust. Since early June, over $93 million in Bitcoin has flowed into Morgan Stanley's Bitcoin Trust.