Investing and personal finance tips 💷 3,000+ students in our 6-week investing programme 🙌🏻
London, England
Joined March 2020
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“Investing is scary, what if I lose all my money?!😰”
The Vanguard FTSE All-World ETF contains over 3,700 companies from all corners of the world 🌍
It would take the collapse of civilisation to bring this to 0, & you’d have other things to worry about 😳
Isn't it funny how differently we react to falling prices?
When clothes go on sale, we get excited.
When house prices fall, it's good news for buyers.
But when the stock market falls 10%, suddenly we're panicking 😅
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What if I told you that one man's affair could trigger a global stock market crash?
And that it could even hit your retirement savings here in the UK?
Here's everything you need to know, in plain English 👉
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You might think this is just a US thing.
But US companies make up over 60% of the global stock market, and many UK pensions are invested in them.
So a crash in America could hit your retirement savings too 👉
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Now I'm not necessarily saying this will happen, so don't make any rash decisions.
BUT.... it is a bit worrying how much of the global stock market's success depends on just a handful of companies 😬
P.S. I hope you found this breakdown helpful. If you did, give it a like and share it with someone you care about 🙌
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🚨BREAKING🚨
The Bank of England just raised interest rates for the first time in over 3 years.
Here's what this means for you and your wallet, broken down in plain English 👉
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3. Other borrowing 💳
Your mortgage rate isn't the only one that can go up.
Interest rates on other borrowing, such as credit cards, overdrafts and new loans, can go up too.
However, if you've already got a fixed-rate loan, your monthly payments won't change 🙌
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1. Your mortgage 🏠
If you're on a tracker mortgage, your monthly payments are going up.
If you're on a fixed deal, nothing changes until your current deal ends.
But nearly 750,000 households are coming off older mortgage deals with rates below 3% this year...
And they're facing an average increase of £170 a month when they remortgage 😳
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People will spend hours comparing savings accounts to earn an extra £50 a year.
But have no idea where their £50,000 workplace pension is invested.
Your pension is one of the biggest financial assets you'll ever own.
Please don't neglect it 🫶
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What could happen if you invest £300 a month within a Stocks & Shares ISA?
🔸 2031 ➡️ £21,500
🔸 2036 ➡️ £50,600
🔸 2041 ➡️ £90,400
🔸 2046 ➡️ £145,000
🔸 2051 ➡️ £219,800
🔸 2056 ➡️ £322,200
🔸 2061 ➡️ £462,500
The crazy part: this is after inflation, and you’d get the money completely TAX FREE!
Don’t have £300 to spare? Swipe 👉
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