Yes, I have just topped up, was going to anyway, but when I saw the dip I had to jump in.
I also have a small amount of my RR holding outside of my ISA so am looking to sell that before the end of the tax year to avoid capital gains and to put into my isa next year.
So trying to wait for the best time between now and end of March to sell...was tempted to sell at 3.60+ last week, but hoping there's another little boost in the next couple of weeks, anything above 3.70 and I'll probably press the button.
Then leave my much larger isa protected holding for the foreseeable :)
I have the majority of my RR holding safely tucked away in my ISA that I will be holding at least towards the end of the year with anything over £4 being a bonus.
But I have a smaller holding outside of my isa that I want to take profits and sell this tax year (for tax reason), stuck between selling now or holding on for a couple more weeks to see if it goes any higher...
Very similar levels to me. I bought 17k worth at an average of 1.06, so around 140% up.
I did sell 2k at £2 thinking it might drop, but happy it carried on upwards.
Only dilemma now is when to sell and how long to hold... If it goes over £3 before end of tax year it will be tempting to sell most of it, but would be [prepared to hold longer if outlook is good. Will probably hedge my bets and sell a small amount this FY, but interested to hear what other people's strategy / holding timescale is.
Metom, very nice move on the 1.12% fix until end of 2026 - played a blinder there.
I split my mortgage when they started going up to hedge against risk - I have 60% of my mortgage at 1.92% expiring June 2024 :(
And the other 40% at 3.2% expiring 2027
Undecided what to do when the 60% @ 1.92% goes up to probably 5/6% in June. I could now afford to pay all or most of it off, but I want to stay invested in RR and a few others until at least 2025. Might go interest only and stay all in, or hedge my bets and maybe pay 10 or 20k off to take the edge off the interest rate hit and leave the rest invested.
Come 2025 I want to go travelling for a year too, and then come back to work for a couple of years and then hopefully be able to retire or semi retire at 40 in 2027...that's the dream anyway!
Nettles - I've paid plenty of tax and nearly paid off my student load, and I wouldn't be against paying more tax if I was ever in that fortunate situation too. Was just calculating the most money and time efficient way. Realistically, I'd probably quit my job, have some time off, travel, then find a more enjoyable/wholesome job and do that until I get bored, have some time off and repeat, as long as I'm enjoying the job I'll still go over the threshold and pay tax of course.
Cheers Laverda, yes hopefully after kod I can de-risk, diversify and find one or 2 more big winners.
dutch - my shares are all ISA protected so no tax there, but it would leave me free to still earn up to the 12.5k a year taxfree personal allowance through working a few months and then use a passive income through my s&s isa for the rest of the year... that's the dream anyway
Yeah, I was working more on the 4% rule and only needing 20k, topped up with earning the 12.5k tax free allowance per year and then putting my feet up for the year, so only 500k. Probably wouldn't be brave enough to go with that though, let it grow a few more years...
Currently putting 17% into my salary sacrifice pension as well, so it can build up to something decent by the time I'm 55
5pish here would just about make me financially independent at 36yo with my 7.5 million shares, assuming only very average performance from the rest of my portfolio.
Depending on what you would consider a safe figure to retire/semi retire at at such a young age?
I'd probably still work a but when I get bored, something like 6 months every 2 years straddling 2 tax years and then take 18 months off, as my shares have all been built up in my ISA :)
Been toying with the idea of topping up for the last few days and finally done it at 39.3p, gutted I could have got in at 33p yesterday, brings my average up to 0.278.
Sorry if it tanks now guys! My fault!
I didn't have a stop loss, but was online at 8am frantically trying to sell, but it only let me place a negotiated order, that took about 10 mins to go through and got a price of 1.1p. Whilst I was painfully watching the price go from 3p...2p...1.5p... etc.
Did you all get out at?
I was logged in at 8am trying to sell, but would only let me place a negotiated order, that went through about 10 minutes later at 1.10p :(
Will probably have a red nose in this weather anyway!
#PUSB
Any win would be wonderful, and a fitting tribute to Snoz. But if you can guarantee winning by a last minute I'd take it everytime, Bournemouth was unreal - and that was just a draw! I'm block 14 row JJ, and yeah Dhillons has been a game changer for prematch drinks and atmosphere
=fillitforsillett
Hoping for another Sky Blue last minute winner against the Baggies on Saturday!