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Cheerios

@Cheerios__I

John Wick’s Basement Katılım Haziran 2025
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Cheerios
Cheerios@Cheerios__I·
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Cheerios@Cheerios__I·
Strategic Wealth Building: The S&S ISA 📈 Looking to build capital without the restrictions of a pension? The Stocks & Shares ISA offers a flexible, tax-efficient alternative for long-term growth. By investing just £2 a day (weekdays only), you can build a significant tax-free bridge to your future. The Strategy: • Capital Contribution: £10/week (£520/yr) • Government Top-up: £0 (Focus is on liquidity and control) • Total Invested: £520/yr Projected 5-Year Growth (7% avg return): 💰 Year 1: £538 💰 Year 2: £1,114 💰 Year 3: £1,732 💰 Year 4: £2,393 💰 Year 5: £3,101 The Advantage: Your capital compounds without interference. No Capital Gains Tax. No Dividend Tax. The Accessibility: While a SIPP is locked until age 55 (rising to 57 in 2028), an ISA provides immediate access. There is no need to wait for retirement to utilize your gains. The Limit: ⚠️ Statutory investment limit of £20,000 per tax year. A total contribution of £2,600 becomes over £3,100 through disciplined compounding.
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UK Investor
UK Investor@UK_Compounder·
19 Days 🗓❗️ Don't forget to top up your ISA and SIPP before the contribution limits reset at the end of the 2025/26 financial year. 🇬🇧 🫡
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UK Investor@UK_Compounder

⏰️ Countdown to the end of the UK tax year and the and the DEADLINE for 2025/26 ISA & SIPP deposits... 🗓 27 Days ❗️ April 5th is the last day you will be able to contribute to your ISA and SIPP in this tax year, before the limits reset for 2026/27. 💰 ISA £20,000 per person 💰 SIPP £60,000 per person (gross) 👶🏼 JISA £9,000 per child Use it or lose it! 🫡 🔹️The £60k SIPP limit is gross. So it includes all contributions made to your pensions, either workplace or SIPP... made by you, your employer, or from gov tax relief. (Defined contribution or benefit pensions may vary, so check them out separately). 🔹️Within the £20k ISA limit, sits a £4k cap to LISA contributions (Lifetime ISA), for those waiting to purchase their first home. 🔹️If you're not utilising a LISA, the entire £20k can be split as you please between a cash or stocks and shares ISA. (NOTE. For under 65s, the cash ISA limit reduces to £12k from the next tax year 2027/28. 💸 These are powerful wealth building tools. Make the most of it where you can 🫡

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Cheerios
Cheerios@Cheerios__I·
The "SIPP Snowball" ❄️📈 Investing £2 a day (weekdays only) is just the price of a coffee. But inside a UK SIPP, it’s a powerhouse. The Strategy: • Your Deposit: £10/week (£520/yr) • Gov Top-up: £130/yr (Automatic 25% boost) • Total Invested: £650/yr The 5-Year Growth (7% avg return): 💰 Year 1: £673 💰 Year 2: £1,394 💰 Year 3: £2,166 💰 Year 4: £2,992 💰 Year 5: £3,877 Your money compounds without interference. No capital gains tax. No dividend tax. Just pure, uninterrupted growth. The Rules: ⚠️ Locked until age 55 (rising to 57 from April 2028). You put in £2,600. The Gov and the Market did the rest. Stop sleeping on the small wins. 🚀 #Investing #SIPP #FinancialFreedom
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Personal Finance
Personal Finance@ftmoney·
Trading 212 wins approval for personal pensions years after first promising them ft.trib.al/iixqVnz
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Cole Grinde
Cole Grinde@GrindeOptions·
If making money in the stock market was easy, everyone would be doing it.
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