@TheSecretAcct I only have £10k SIPP annual allowance because I am a high earner.
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speculox
1.3K posts
speculox
@speculox
Noticer of beautiful things, and evil things. 🇻🇦🇬🇧🏋️♂️🏃🏻
Near Oxford Katılım Nisan 2025
1.1K Takip Edilen113 Takipçiler
For individuals I think the ISA allowance and SIPP are sufficient tax free wrappers. If you can invest more than £68k a year (£20k ISA and £48k net SIPP contribution) you can afford income tax on gains after indexation allowance (taking inflation into account).
For owner managers there should be a £1m lifetime allowance with income tax on the excess gain but with indexation allowance. Therefore husband and wife get £2m.
Property and other assets - income tax after indexation allowance.
Main residence no tax.
Those are my thoughts. What do you think?
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It’s sad to watch the slow structural decline of the UK as a global business hub - as yet another FTSE company looks certain to be acquired by a US firm.
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@LittleMermaidKV It beggars belief that we are turning down attractive young female European Christians
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I have been in the UK for over 13 years. When I tried to apply for a citizenship last year I couldn’t because in 2024/25 I spent a lot of time abroad. There is a clause that in the last 5 years prior to applying you can’t be abroad for more than 450 days.
Nobody cares I have been here 13 years, am assimilated and speak the language. And I certainly didn’t want to apply, be rejected, and lose the £1.800 fee. And that is fine, the rules are the rules.
But what really does my head in is the fact that it is then given to people who live in enclaves, don’t speak English, are on benefits, commit crime… When illegal migrants enter, they are given free everything and not even expected to work. Yet, someone who has zero debts, contributed to the economy, owns a property here, is just given a red light.
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@Chubbs85240 @scotlandscoeff1 They sold shandy in the vending machine at my school in the 90s.
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@scotlandscoeff1 In fairness Shandy (0.5% alcohol) used to be in the fridges alongside the cans of juice in the 80s and 90s, people would just have one like a juice.
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Interested in the type of psycho that would buy a 0% can of beer as part of the meal deal to take back to the office
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@cashflow_king94 Yes, this was the Burry thesis. He'll be wrong again.
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"AI capex is just burning money with no returns."
I keep seeing this everywhere... So let me shut it down with actual numbers.
Google Cloud grew 63% last quarter
$20 billion in revenue
Backlog nearly doubled to $460 billion
Microsoft AI revenue hit a $37 billion annual run rate Up 123% year over year
Commercial backlog sitting at $627 billion
AWS grew 28% with fastest pace in 15 quarters
These companies are spending $700 billion combined on AI capex this year, Heading to $1 trillion in 2027 and the revenue is already showing up... Massively.
This isn't 1999 where companies had websites and no earnings.
Google Cloud alone is doing $80 billion a year in revenue
Microsoft's AI business went from nothing to $37 billion in run rate
The backlogs are real, The revenue is real, The demand is real.
People calling this a bubble haven't looked at a single earnings report - They're just repeating what they heard on a podcast 6 months ago.
The data doesn't care about your narrative.
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@hostokyo She is definitely not pretty by any means and not to mention she worships the devil! Only reason yall post this garbage is because she has huge tits.
Someone had to say it 🤷♂️
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£78.17 - all to be reinvested ✅
Total dividends for May = £542.73
Full breakdown at the end of the month.
🇬🇧 Tom - Investor £120K@2147mill
Final dividend of May inbound tomorrow $AAIF A fund that people don’t really talk about. Asian income exposure. Reason is simple really… I want part of my portfolio exposed to Asia long term. The region has: • huge population growth • rising middle classes • manufacturing dominance • growing financial markets This fund gives exposure across Asia-Pacific equities + some fixed income. Feels like a sensible diversification play away from just owning US stocks forever.
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@GarrishPaul @moving_charlie Perfectly rational. So the consequence is the housing stock is not efficiently used, because the government is greedy. Well done.
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@moving_charlie My house has doubled in value whilst I’ve done nothing significant to it but I’ll stay here because the government want me to share a small part of that bounty . FTFY
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Imagine how many more home moves don't happen because of this.
Selling the £1m home will already cost around £25,000 in selling fees, removal costs and solicitors, but at least that's going into the economy and helping to employ people.
Many down-sizers would stomach the £25k, but not £40k
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@ApuSearch @MonicaMAlmaguer She should read more of that makes her want to fuck more.
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@MonicaMAlmaguer I don't think there's a man on the planet who cares about romance novels so long as his wife is still fucking him every day.
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Is this porn? Because society can't simply point the finger at guys, without also calling out women who happen to consume erotic content through different means. Personally I think it's "worse"..it involves ACTIVELY creating the scene with her imagination. While men passively consume.
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I haven’t added to my @Trading212 SIPP yet (not including the £1 test)
Was wondering what stocks or ETF’s people would invest in
Obviously this is for the LONG term
Any suggestions welcome 🙏
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@PolemicTMM @RollingHedge Yes - that house is only worth more in nominal terms, likely decreased in value in real terms.
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If Capital Gains Tax is to be at the same level as income tax then the capital gain needs to be inflation adjusted otherwise it becomes a tax on inflation not real asset return.
Government incentives to control inflation then adjust. They are rewarded for higher inflation.
Steven Swinford@Steven_Swinford
Wes Streeting has this morning set out his tax plans - specifically bringing capital gains tax into line with income tax He says that the current system is unfair because it penalises work Higher or additional rate taxpayers will pay 24% on gains in the current financial year. Streeting said that the rates should mirror income tax bands - so 40% for higher rate taxpayers and 45% for additional rate taxpayers He says that the approach could raise £12billion a year Streeting said: “A member of my family is a cleaner in Lancashire. She pays a higher tax rate on her salary than her landlord pays for the growing value of the home she lives in. She slogs her guts out, he puts in far less effort, yet the state rewards him more than her. And we wonder why people are angry. “The system is penalising work. It’s not fair and it’s bad for our economy. We need a wealth tax that works. A pound made from simply owning assets should not be taxed less than a pound made from a hard day's work. We can do it in a way that is pro-growth, pro-entrepreneur and pro-work.”
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@fivepointscap @GlassLensRes Defensive stock really. Not high growth.
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“If all you ever did was purchase high quality stocks on the 200-week moving average, you would outperform the S&P 500 by a large margin over time” - Charlie Munger
Here’s a list of high quality stocks around or below their 200W MA
- Sea Limited $SE
- MercadoLibre $MELI
- Blackstone $BX
- S&P Global $SPGI
- FICO $FICO
- Chipotle $CMG
- ServiceNow $NOW
- PepsiCo $PEP
- Home Depot $HD
Which ones are you buying at these levels?
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@Ashton_1nvests Good luck catching a falling knife with NKE. There's more competition than ever in sports/leisure apparel with new brands being launched daily on social media.
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My current buy list is very small.
Not because I cannot find stocks I like.
Because the mistake I am trying not to make right now is chasing every dip.
There are a lot of stocks that look interesting.
$CELH looks interesting.
$ADBE looks interesting.
$NKE looks interesting.
But interesting does not always mean I need to buy more today.
Right now, I want to put new money into the few names where conviction, valuation, and opportunity all line up the clearest.
For me, that is mostly $SOFI, $NOW, $ZETA, and $SNAP.
Those are the names I am most comfortable adding to at these levels.
Everything else can stay on the watchlist until the business gives me more proof.
The goal is not to buy every dip.
The goal is to put money where the risk/reward makes the most sense.
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@ModernDayInves Concern is high capex overstates current PE ratios... I'm backing management to make money like they always have...
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@DrewCohenMoney LULU doesn't surprise me. There are hundreds of athleisure wear brands now advertising to girls on Instagram. What does LULU uniquely offer?
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A beginning investor usually learns that they should avoid apparel businesses because it is very hard to judge consumer's taste in the long-term.
Sometimes it makes sense to just follow the sterotypes instead of hoping for exceptions.
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@PoloniusCrambe @TheSecretAcct @CheshireWealth @RussOxley Would be interesting to show the scenario of annuitise half of a SIPP and draw down the rest at different ages
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@TheSecretAcct @CheshireWealth try this - interesting stuff
thetontineengine.substack.com/p/the-annuity-…
@RussOxley
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Pensions are the best savings vehicle we have in the UK and it isn’t even close 👌
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@clintoptions Do you know what $NOW does and what is your thesis for why an enterprise would want to replicate it?
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$NOW is still down -36% over the past 6 months.
Shorting this shit
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@tw_crypto_ Did my own research last week and stocked up on $NOW instead (plus $MSFT and $ADBE). Glad I did.
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Kevin Xu
- $HIMS was a loss ❌
- $QS was a loss ❌
- Gave up on $IREN ❌
- $BOT was a loss (currently trading -25%) ❌
$199 a month subscription to lose money. Stop getting farmed by this guy
TW@tw_crypto_
Kevin Xu - $HIMS was a loss ❌ - $QS was a loss ❌ - Gave up on $IREN ❌ - Multiple pumping post to buy while only risking .5% of his own port Who is paying $199 a month for this clowns sub? Shameless
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