Member Info for RazorShultz

Fixed Protection 2016, and yes that's well done for stumbling across it yourself. There is definitely value in the peace of mind that comes with a guaranteed income for many. I'm still a long way off retirement but hopefully I can have at least some stock market success. My pension is invested in a large passively managed index tracker fund, but the ISA is my play money for AIM

To be fair Goatman the fact your clown reference was to me completely went over my head, quite funny looking back so happy to let it stand!

And I'm in agreement with your comment about ISAs and SIPPs, generally there's no point going between an ISA and SIPP in my opinion, the money in an ISA is tax-free when withdrawn (for now, who knows what changes the cash-hungry governments of the future will bring in).

The main benefit of making a contribution from your own bank account into a SIPP is that personal contributions get tax relief, i.e you deposit £80 and £100 goes into your SIPP because the provider claims the relief from HMRC and adds it to the account. Currently you can withdraw 25% of a pension tax free, up to the limit of £268,275.

Money that goes from your bank account into an ISA has already been taxed before you got hold of it via your paycheck, but on the withdrawal side ISAs are better in my opinion. When my money is already in one of the tax-wrappers, i.e an ISA or a pension, that's good enough for me.

The idea is to get as much money out of the bank/general trading accounts and into ISAs and pensions which are both tax-efficient in various ways. Obviously this isn't advice, so people should do their own research, but it's good to have a basic understanding of the products

Well goatman can't argue with that, if it's one thing I hate in CEOs its big ego, one of the things that absolutely tanks any company. Look at Boeing lately.

I'm not paying to read that, what does it say in summary?

I add my condolences to the rest of yours. RIP Pdub, I am holding here and very much hoping for the upside to come for vanadium batteries. Good to hear from some of you old posters again too.

Sadly Goatman I cannot overly disagree with you, I've met some absolutely terrible advisors

Rishi Sunak mentioned Harland & Wolff in PMQs today!

Well Goatman congratulations on your career in investment banking. Did you stare at charts mostly or issue documents for M&As you underwrote? My financial career is client-facing and managing their money, which is why I try to be polite to people most of the time.

Back on topic, I'm not worried about the outcome here, it's either a recovery play or I lose the amount I've risked in the company. I'm building positions in other ones currently, I mostly do this for fun in the hope I'll nail share investing at least once. Haven't managed it yet, but I'm young enough it doesn't really matter that much

Goatman, background in finance doesn't mean background in accounting. I'm a financial professional and I don't care about accounting at all beyond it helping us value our shares and to post our accounts. If you've ever met an investment manager, discretionary fund manager, financial analyst, etc, those people are usually more impressive than accountants.

Goatman you're a fool if you think accountants run anything but accountancy firms generally.

Small top-up coming from me

Opinions would be nice. Most of my investing is index funds, shares are my play money.

Alleycat do you have any opinion on MIRI or OCTP? I could do with investing in a company where my money will go up rather than down. Thankfully I'm still young so I can afford to lose money. I'm not selling out of BMN, I've come too far for that, and I'm pinning my hopes here on Coltman

Thank you very much Floyd!

Is there a way to watch the investor presentation without signing up to anything?

I'd like for this one to 100 bag. New investor here, hopefully you won't see me as a bad luck charm, I've not been too successful in recent years.

I'd like for this one to 100 bag. New investor here, hopefully you won't see me as a bad luck charm, I've not been too successful in recent years.

**** off wildtiger, filtered

Small top up from me

Coffeecups and goatman must be running out of things to say, this thread seems like a desperate attempt to try and get in any bit of negativity possible. It however looks like the market is having a positive reaction to Coltman cleaning house.