Question, if you relocate to Switzerland, can you still take advantage of UK ISA. i.e. will the UK government still allow you £20K tax free allowance annually for ISA?
That’s awesome. I’m also working in IT. I’m an infrastructure engineer though. I wish you all the best! 
Which two? If you don’t mind me asking
My current ISA can remain as is, you can’t invest more though when not a tax resident. Switzerland has nice laws for investing though (I think 0% capital gains tax)
I don’t invest in property trackers any more so I’ve not searched any ETFs. I used to invest in this though iShares Environment & Low Carbon Tilt Real Estate...|GB00BPFJCF57
Why don’t you anymore?
I just use wide indexes like VWRL rather than specific sectors
I am not giving advice here but it completely depends on what you are looking for. I personally think that most people have shifted from investing to speculating. Owning shares which pay you no dividend and relying on the price of the share to rise is speculating (by strict definition). People also seem to have compressed the timeframe of investments into months or years rather than decades. The choice of stocks on Freetrade is not wide enough to offer a truly diversified portfolio (yet). That being said, I would suggest a few funds to look at would be TRIG (Renewables Infrastructure) and 3IN (3i Infrastructure) with yields of circa 5% and 3% respectively. Both seem to be expanding in low risk areas of Northern Europe etc. into fairly stable assets which will see demand rise (or at least not fall) over the next 5-10 years. Also, unless you are prepared to invest serious time and money into systems and software for stock analysis you are best off buying the large markets (FTSE100, S&P500, STOXX50 and the Pacific ex-Japan iShares ETFs). Whatever people say, most people only beat the market by luck. The rise of the market is, but definition, an average increase and so for everyone who beats the market there is someone who gains less than the m market.
1 Like
True there are a few decent infrastructure funds on Freetrade but there are better ones out there. Also, if you’re referring to ‘BCPT Commercial Property’ for property diversification it is not exactly a great choice. You get charged 2.37% per annum and so far they are down roughly 8% YTD. There are plenty of REITs which destroy the broader stock market as a whole in the USA and the UK. A few of those appearing on Freetrade would be better. In terms of commodities you have spot gold ands spot silver. Useful, sort of, but in a crisis/recession (which is when gold holdings really tend to stand out) you could see a lack of faith in virtual holdings of gold. People who have access to physical commodities in warehouses can command higher prices.
I posted the link above~ iShares Environment & Low Carbon Tilt Real Estate...|GB00BPFJCF57
Sorry, I don’t understand?
What don’t you understand? It’s an index fund focused on the global property market
Sure, but my point was there is nothing suitable on Freetrade at the moment and to invest in these areas you will need to go elsewhere.
I’m not really aiming for any total value but buying dividend stocks. My goal is to have as large dividend income as possible so i don’t need to touch the capital.
Whilst saving/investing i’m reinvesting all dividends and adding additional equity every month.
Goal is to have dividends cover my essential costs when i retire and then any pension i have will be fun funds.
4 Likes
That’s similar to my goal, I aim to get dividends covering all my fixed costs eventually. For example it’s great when you work out that the dividends you get from insurance companies add up to more than you spend in insurance each year
2 Likes
I like having Shell stock for that reason at least when im shelling out £££££££’s on fuel for the car i feel like im getting something back 
4 Likes
I’m the same with Greggs & Sausage Rolls
8 Likes
These are all good ideas. I used to think it was important to look solely for the best return and didn’t understand why people would buy shares in something they use every day and seemingly disregard high valuations or low growth prospects. But I’ve come to think that the way to the best total return over the long term is different for everyone depending on their character and psychology. I think the goal for most people should be to at least invest as a bare minimum so an approach like this that makes investing accessible and palatable is great.
For me I’ve bought a few shares in Dominos
My goal by year 2041 (if I’m still alive) is to have a total portfolio of £1M
SIPP - £500K. I’m keen on FT to have this and a smart autopilot portfolio allocation in the future.
ISA - £500K
Using the 4% withdrawal rule, this will generate £40K a year in income. If we adjust that with inflation it’s probably equivalent to £25K today (just guesstimating).
To get there, I’ll invest at least 30% of my net income no matter what the weather is. It’s not going to be easy, the market will go up and down, there’ll be periods (opportunity to buy more) when volatility will go to extreme levels and there’ll be recessions along the way. To protect myself from self-destructing my portfolio, I won’t trade it actively. I’ll focus on acquiring reputable funds from Vanguard or solid consumer staple companies and pharma companies that survived wars and recessions, the likes of Johnson & Johnson’s, Unilever, Reckitt Benckiser, P&G, Kimberley Clark, Diageo, Coca-cola, Colgate & Pepsi.
Here is a nice article from betterment of how checking your account often can hurt your portfolio’s performance. How To Avoid Common Investor Mistakes
2 Likes
I am aiming for £500,000, maybe a bit low considering I’m 25?
1 Like