Fresh

@dontdelay @AshyCompounds I’d also go to be my boss/HR and explain that there are better options. You won’t necessarily end up with 212 but you can get around the initial fee elsewhere.

Find the best platform based on security, then cost, then functionality. But for now that is simple, e.g. I don't need any income drawdown functionality. One that can hold my pre chosen funds. For me that's global equity index funds. You cant change who your employer chose for your workplace pension, and contributions are usually better there, assuming salary sacrifice offered, which gives NI saving on top of income tax. But I would look if I can do partial transfers out, while still working. Not advice. Just what I would look at for myself.

Just discovered my workplace pension has: • 1.8% deposit fee • 0.3% ongoing AUM fee The Trading212 SIPP can not come soon enough with seemingly: • 0% deposit fee • 0% ongoing fee On a £100k pension pot, that's saving £300-500/year in fees. Over 30 years? That's tens of thousands. Also allows me to choose index funds based on costs! Check your pension fees. You might be getting robbed. 💷

@2147mill How far do you think your £120k gets you if something serious happens?

Controversial opinion: The UK should have no NHS. We should take responsibly for our own health, our own emergency savings and not be so reliant on the state.

@rosierevenant @jzrdan @HLInvest That’s not my experience- what were you trying to do? Funds take 3 days to settle but it’s still executed at the earliest opportunity

@jzrdan @HLInvest Like I'm sorry but taking 3 days to execute a market order is not acceptable tbh

Hargreaves Lansdown being down and unable to operate on a Friday morning during market hours is an absolute disgrace. The so called “scheduled maintenance” should surely take place on a weekend when markets are closed. Unless there’s something you’re not telling us… @HLInvest

@dontdelay @DanNeidle @juniper_jon I’ll add a scenario of keeping income below thresholds but taking a loan from the business and just accepting the s455 charge… I have been told the same principle applies here.

@DanNeidle @juniper_jon I think it's achievable. But less advantageous than previously, with frozen allowances and pensions coming into estates.

1/ Pension and Tax nerds - I was asked by a client this week about deliberately exceeding their annual allowance, by some margin, to recover their Personal Allowance and retain Free Childcare Hours for children My initial instinct was it wouldn’t work but the more I look into it

@BenKentish Financial adviser here, but can’t DM.

If anyone is an expert in social care funding rules, please could you DM me?

@TJiMTS The oldest year does go first but only after you have used the current year… it creates an efficient minimum contribution amount. This is my LinkedIn post on the matter.

£40,000 of unused pension allowance from 2022-23 expires on April 5. If you're a higher-rate taxpayer, that's up to £16,000 in tax relief you'll never get back. Basic rate, it's £8,000. Here's how carry-forward works. You can use unused annual allowance from the 3 previous tax years. The oldest year goes first. In 2022-23 the cap was £40,000 (it went up to £60,000 from April 2023). If you contributed £20,000 that year, you have £20,000 unused. That can be added to this year's £60,000, giving you up to £80,000 in pension contributions this year. Tax relief is at your current marginal rate. 40% taxpayer = 40% relief. 20% = 20%. Check your 2022-23 pension statement. Work out what you contributed. The gap is what you can carry forward. But only until April 5.

@cyc1one1000 @TJiMTS There is no earnings test on company contributions & it’s the 3 previous tax years so £220k at the moment, with 22/23 being £40k. Soon to be £240k in April.

@TJiMTS Won't a business owner be paying themselves 12.5k approx? Limiting 3 years of pension contribution to 37.5k

I promise you I have at least 1 client a year in this position. Business can grow quickly

@stuartberry09 @DPJHodges Goal difference might matter

@DPJHodges Ironically it would have suited both sides for the goal to have been given. City won the game anyway and Liverpool wouldn’t have had their player suspended.

On the 3'rd City goal. I don't understand what people are talking about. You can't just ignore the rules for "moments". If that was the case, why not just get the refs to set the score of every game to 4-4 going into injury time. That would give us some great moments.

@dontdelay @LBC Would they have done it in London sounds like equivalent of asking if messi could play in Stoke on a wet Tuesday night

@LBC Huge numbers of people who work in London don’t live in London That’s why we have commuter towns

'One has a £30,000 deposit. The other four all own their own homes in their 20s.' Matthew Wright is happy for caller Mark's children, but asks if they would have been able to achieve this in London.

@LoganTGott Playbook

LinkedIns algorithm changed dramatically in 2026. Only a small group realized and is taking advantage currently I decided to compile EVERYTHING needed to grow and sign clients on LinkedIn: → Profile optimization that positions you as the authority → Content strategy that brings in qualified followers → Lead magnet framework that brought me 500+ leads from ONE post → Outbound system that booked 5 calls from 122 DMs in a week → Hook frameworks and visual strategies that 10x engagement → Implementation timeline to execute everything properly One client increased quality impressions by 1,117% in 90 days. Another generates 30+ qualified leads monthly with this system. The founders who understand how LinkedIn actually works are eating while everyone else posts AI slop that gets ignored. Want the full 2026 LinkedIn Playbook? Follow me & comment "PLAYBOOK" I'll DM it to you soon

@W98AB Bought a house within her means twice, decided to save into her workplace share scheme .. moved location to get a higher paid job. Worked through uni. You make you’re own luck in life

This is why we have great pensions, ISA, highlight tax efficient gains on property and UKs upper middle class isnt insanely rich.

peak uk investment advice, works in tech, isnt diversifying into more stocks, selling stocks to pay off a house *checks notes* fucking bolton

@TJiMTS Basic rate being £37700?

Community noted by people who THINK they know more than me on the thing I do all day every day Messing up my branding 😂

@InvestorFront I’m not sure you’re actually better off - global equities did well.

One of the easiest investments I ever made was the simplest. Do not over complicate it. In April 2025 I sold all of my Vanguard global all cap fund as I was not pleased with the returns as it was too diverse. Sold it for £102,541.76 I spotted this opportunity with the $VUAG fund seeing it had over a 20% pullback. This was obvious it would hit ATH in the near future. So I purchased this fund with the money I had just sold my previous fund for. Today it sits at over £130,000.00 meaning I’ve profited just shy of £25,000 in this short time. All of it under at Tax ISA meaning all of the profits are Tax Free. Investing doesn’t have to be complicated 🤔 💭 💸 📈

@joshembling @InvestorFront You can have more than £20k in an ISA. The £20k is just the annual limit

@InvestorFront How did you invest 105k in one go in an ISA and not recieve a massive penalty?

@hewantswealth You can often do this without changing job

Moving jobs regularly just so that you can move your workplace pensions into your SIPP to buy individual stocks >>>>>

@Kathryn_Cura @WHATSFORDlNNER How did you even stumble across this combination ?

@WHATSFORDlNNER No butter. Tomato ketchup, English mustard, vinegar.

What sauce are you adding to this? 🤔

@AlanJLSmith Schools use it

I don’t understand how Microsoft became so successful – most of their products are sh*t!

@samswoora it's like £12k a month after tax, 60% tax is only on a small section of their income.

Wife and husband combined earning 260k pre-tax in the UK is considered a “staggering amount of money”?? And their tax rate is 60%?? Take home of 100k is not staggering lol. Is the cost of living in UK lower?

@JoeMasterplan @antonosika What did you do?

@antonosika Built a tool over the course of about 2 hours on Friday that automates about 25 hours of really tedious admin work a month for our financial planning business and it works perfectly . Incredible stuff

Companies' internal tooling will become a set of Lovable apps with dependencies between them, all built by the people who actually use them.

@dontdelay I think the term is clickbait

@craighartCH @AlanJLSmith Exactly. Me too. A perfectly good example. I just don't understand why Alan described a business with 100% net margins, with someone in the top 2% of earners. And then used it to suggest that was a sign of why small businesses are struggling.

Spoke with a small business owner this morning He broke down his numbers: When he sells £100 of work, the customer pays £120. Here’s who ends up with the money: VAT: £20.00 Corporation Tax: £25.00 Dividend Tax: £29.51 ——— Total to HMRC: £74.51 No wonder small businesses are struggling.