Phantom Investing

@JamesP728 Do you want to get up to £100? Join Trading 212 Invest with my link, and we will both get rewards. trading212.com/invite/4DqeZlG…

Thank you to whoever used my link I got £12.19 worth of Apple $AAPL Hopefully you got a decent share too 🥳 I’ve now used up my allocation so if anyone would like to share their links below please do

People fear market crashes. They should fear missing 20 years of compounding. Crashes recover. Lost time doesn’t.

If your savings account pays less than inflation, you’re not saving. You’re slowly losing money.

@dn24bzd @cashflow_king94 Hi mate, was wondering if I could DM you about SE Asia. I'm thinking of doing the same with my family of 5 so was wondering if I could get some tips off you 🫡

An American friend of mine retired here 4 years ago. His son and daughter in law and their 3 children have just arrived from the US. They're staying here permanently now. The eldest two started private school last week and love it. It's all in English and they're both instantly popular as they're American so unique. Filipinos love uniqueness. When I push the stroller in the mall so many people want to catch a glimpse of baby. They want to see how pale his skin is (pake like mine) if he has a pointy nose (yes) how big he is (very big - I'm 6"5') has he got black hair (no brown) and brown eyes (no Grey) the boy scores5 out if 5 on the unique scale he's literally won the baby lottery here. All the major Filipino movie stars, models and TV personalities are mixed race. That's why foreigners are appreciated here. We're different.

Genuine question. What's your monthly passive income target? Not your "would be nice" number. The number that would actually change your life. For me it was £2,500/month. That covers my rent and bills. Everything after that is freedom. I hit that target last year. Now I'm chasing £4,000. The goalpost keeps moving. But that's the point. What's your number?

Most people budget to survive. Very few budget to escape. One leads to comfort. The other leads to freedom.

If your income stops when you stop working, you don’t have a career. You have a treadmill. Invest until working is optional.

Most people don’t have a money problem. They have a priority problem. New phone every year. Holidays on credit. Zero investments. Then they wonder why they feel stuck.

@PiListingNews @grok @NoLimitGains Hi, let's see if this is real

Hey @grok in 19 hours pick a random comment to win $12,320 Make sure they also liked this tweet and followed @nolimitgains Thanks!

Nothing wrong with this? PCP on a £60k car is less than a mortgage. Jealous post.

DO NOT BUY A HOUSE, IMO. HERE’S WHY. Saving for a deposit can take years. Meanwhile, house prices rise, inflation eats your cash, and you’re doing nothing. You’re wasting time while your money could be working for you, compounding. • £300k house • 25-year mortgage at 4% • £1,582/month, total £474,600. Don't forget taxes, fees, and maintenance. Rent: • start at £1,000 per month • rising 3% per year • total spent £421,000. Take the difference (£53k) + invest £500 per month into S&P 500 at 10% → £655,500 after 25 years. Rent + invest = flexibility, compounding, and real wealth. Mortgage = decades of debt, lost opportunity, and “security theater.”

𝐈𝐧𝐜𝐨𝐦𝐞 is the silent superpower of investing. High-yield ETFs like $MAGD, $JEPQ, $YMAP, $FEPG, $GLDE pay monthly dividends. £10,000 split across these £1,670/year £139/month Reinvest the income. Let it grow. Income compounds, capital compounds, time compounds. Most people ignore this. That’s why they stay behind.

In my opinion, the riskiest financial decision in your 20s isn’t buying stocks. It’s doing nothing. You don’t need £10k to start. You don’t need the perfect timing. £200 per month into the S&P 500, averaging 10% annual returns for 30 years: • Total invested: £72,000 • Potential value: £680,000 Wrap it in a Stocks & Shares ISA and all that growth is tax-free in the UK. Time + consistency > perfection. Waiting for the “right moment” is the real gamble. Compound interest doesn’t wait — and neither should you.

@cashflow_king94 Compound interest doesn’t wait and neither should you. Being financially literate will make you realise that you should of started earlier. But we can't change the past, so just keep stacking!

The cost of waiting to invest is insane. I did the maths. Two people invest £500 a month at 10% growth. Person A starts at 25. Person B starts at 30. Both stop at 60. Person A (35 years): £1,897,000. Person B (30 years): £1,130,000. Person B invested for 5 fewer years. They end up with £767,000 less. Five years. £767,000. Same monthly amount. Same returns. Same retirement age. Different outcome. The best time to start was yesterday. The second best time is today. When did you start investing?

@2147mill @hanetf @REXShares This, Ymap, Magd and Jepq are all in my portfolio 🫡

FEPD – Tech Income ETF (@hanetf x @REXShares) • 10–13% forward yield • Covered calls on 50% for steady income • Other 50% stays fully exposed to upside • Monthly payouts + Big Tech growth High yield doesn’t always mean high risk. Sometimes it means smart structure. Get paid and stay exposed to tech’s long-term momentum. Great fund imo.

𝐁𝐢𝐠𝐠𝐞𝐬𝐭 𝐦𝐢𝐬𝐭𝐚𝐤𝐞 𝐩𝐨𝐨𝐫 𝐩𝐞𝐨𝐩𝐥𝐞 𝐦𝐚𝐤𝐞 𝐢𝐬 𝐧𝐨𝐭 𝐥𝐞𝐚𝐫𝐧𝐢𝐧𝐠 𝐡𝐨𝐰 𝐭𝐨 𝐛𝐞 𝐫𝐢𝐜𝐡. “The cost of not knowing how to make a million, is costing you a million.” In the UK, most people are never taught how money actually grows. Compounding doesn’t reward perfection — it rewards starting early. Example 👇 £200 per month 20 years Simple S&P 500 investing (e.g. VOO) • Total invested: ~£48,000 • Long-term returns: ~8–10% • Potential value: £110,000–£140,000 That's a return of £62,000 - £92,000. Wrapped inside a Stocks & Shares ISA, that growth is tax-free in the UK. No trading. No picking and choosing. Just time + consistency. The real cost isn’t losing money. It’s never learning how money works.

𝐖𝐡𝐚𝐭 £𝟏𝟎,𝟎𝟎𝟎 𝐜𝐨𝐮𝐥𝐝 𝐥𝐨𝐨𝐤 𝐥𝐢𝐤𝐞 𝐢𝐧 𝐚 𝐡𝐢𝐠𝐡-𝐢𝐧𝐜𝐨𝐦𝐞 𝐄𝐓𝐅 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 👇 £10k split evenly across: • $MAGD – £2,500 • $JEPQ – £2,500 • $YMAP – £2,500 • $FEPG – £2,500 Using most recent payouts: • MAGD → ~£30.79/month • JEPQ → ~£19.72/month • YMAP → ~£36.00/month • FEPG → ~£18.34/month Total monthly income: ➡️ ~£105 per month ➡️ ~£1,260 per year No trading. No picking individual stocks. Just income-focused ETFs doing what they’re designed to do. If done in a stocks and share isa, it also means 0% dividend tax, 0% capital gains tax.

@cashflow_king94 Semiconductor, AI are top of my list. What are yours?

What sector are you most bullish on for 2026?

My biggest investing mistake wasn’t losing money. It was not starting earlier. For years I had analysis paralysis. I wanted the perfect investment. The perfect entry. The perfect strategy. So I waited. I over-analysed ETFs. Compared funds endlessly. Read opinions instead of taking action. What I didn’t realise at the time was this: 👉 Time is more important than perfection. While I was waiting, compounding was quietly passing me by. Here’s a simple example 👇 £10,000 invested 8% annual growth 20 years That turns into ~£46,600. No trading. No stress. Just time + compounding. The painful part? You can’t buy back lost time. Starting “good enough” early beats starting “perfect” late — every single time. If you’re sitting on the sidelines waiting for the perfect opportunity… that waiting might be the most expensive decision of all.

Most people in the UK are missing one of the biggest wealth-building opportunities available to them. A Stocks & Shares ISA. Here’s why 👇 • You can invest up to £20,000 every year • Zero tax on dividends • Zero capital gains tax • Zero income tax on growth That alone is powerful. But it gets better. Many people keep money in savings accounts earning less than inflation, while: – dividends compound tax-free – reinvested income accelerates growth – long-term returns quietly outpace cash You don’t need to pick risky stocks either. Simple ETFs can give exposure to: • global markets • high-quality dividend payers • monthly income strategies All wrapped in a tax-free ISA. The biggest mistake? Thinking ISAs are “only for rich people”. They’re actually built for regular investors who start early and stay consistent. Time + compounding + tax efficiency = a massive edge most people ignore. If you’re in the UK and not using your Stocks & Shares ISA… you’re voluntarily paying more tax than you need to.