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Best Of
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Re: Gilt Ladder In Pension Fund
Yes if the generally expected inflation rate happens. I've noticed there seems to be a group-think where people seem inclined to convince themselves that inflation will be around 1% less than r…1 -
Re: Gilt Ladder In Pension Fund
I'd argue that a gilt ladder is still technically diversification in the portfolio but it's basically money you are no longer taking market risk on if you intend to hold to redemption so th…1 -
Re: Gilt Ladder In Pension Fund
I suppose my question would be why you would use a ladder as a diversifier? The purpose of a Gilt Ladder is to secure guaranteed timed cashflow, not to diversify. If you want to diversify into bonds,…3 -
Re: 10 years to clear £334K - our FIRE journey
Channeled my inner @Cheery_Daff and booked a two night YHA break in Wales in January. £120 for two nights en suite single room, including breakfast and EV charging. Looking forward to some time to my…5 -
Re: Gifts from Income
Dividends & interest received in the ISA are income whether the amounts are actually withdrawn or not. Cash that comes from sales of funds & shares is going to be capital, not income.2 -
Re: 5 OS pleasures in your day today - part 3
Pleasures for today (Christmas Eve Eve) 1) Not a bad sleep but woke early. 2) Wrapped the remaining presents and stocking fillers. 3) Cleaned the bathroom. 4) Popped to Sainsbury's for smaller s…6 -
Re: Pension switching incentives
I received this by email at the start of the month: We’ve updated the T&Cs for the SIPP transfer offer you’ve joined. Effective today, an annual Plus subscription is no longer required for this …1 -
Re: Help to buy ISA transfer
Amazingly being incredibly unpopular no longer seems to be a barrier in the decision making. At this stage they could have just said there would be a transition path to ensure that LISA users were no…1 -
Re: Best data-only sim for 4G router
Another thing to consider is that your router is only Cat 4, this means that it is unable to combine multiple network bands that would allow for increased speed. At my home my Cat4 router on Three of…2 -
Re: The Cutting Down Alcohol challenge for December & 2025 :)
20/25 please @cathybird3
