Retired in 2020 living off #ISAs and #SIPP #pension. Reluctant investor who's picked up more about investing than he ever wanted to
Nov 17, 2022 • 9 tweets • 3 min read
1/9 Better late than never 🧵on where our income derives. We have 4 basic PFs:
Our 2 SIPPs more cautiously positioned than our ISAs from which we draw the tax-free allowances covering basic existing
My ISA meant to cover holidays etc...
Wife's growth ISA meant to be higher risk
2/9 The current values and yields (cashless is yield on holdings)
I don't care about 2 decimal place precision btw. I reconcile my Google sheet quarterly to HL and Sharepad to ensure I'm in the right ball park.
Nov 16, 2022 • 8 tweets • 2 min read
🧵 on why I'm still on Twitter and what I think my USP is. I mainly saved/invested in equity OEICs whilst working and bringing up kids. GFC saw my SIPP drop 40% to 60k and I realised I'd need to get more hands on if I was ever to retire before SPA (67). I'm 57.
2/8 Thanks to @MarkDampier I researched bonds and used Royal London Extra Yield Bond fund to make up some losses. Since then I've tried to learn about these asset classes and their advantages: 1) Cash 2) Equities 3) Commodities 4) Debt 5) Property
You should defo understand 4)!
