Member Info for TomE

RA hey, thanks for your thoughts 👍

I am already thinking about investing into another property and for many years now I make sure that my direct family and their Children are well looked after.

I am not in anyway trying to avoid tax and all my taxes are paid each and every year through "self assessment " and they do not miss out on anything for sure. There is no point in trying to avoid as one day you will get found out so that road is not worth the bother or risk that road holds.

The tax I pay is interest on savings and taxable pension above the allowance although a fare amount but its only a % of your income so no big deal. And I have a very good professional that advises me in the right direction, silly not to have one with the sums involved.

Anyway thanks and take care,

Tom 👍🎅🌲❄️

Aqua hey, and a very happy Christmas to you🌲🎅👍

BB, they may then raid our own fort Knox ie:- our Britanias / the Gold stock. We may not even be around in a year or two if Putin gets his arris in gear 😂

Aqua hey,

My main point was about the "TRADING account syndrome" that is CGT taxable. My Trading account is now empty thank hevens and all proceeds sent to my NS&I direct saver. In April I can now simply remove the max ISA allowance £20k and put that into my GGP ISA account and so on. Forgive me if you thought I was selling up some shares as all I am doing is transfering from one basket to the other to ensure I reduce the CGT we have all had to pay in the past.

Personally I have way too much invested here and need to spread it into safer baskets, as I have done but without selling any of my current shares in my ISA account, that is still nearly 400K, and you may agree that is quite a large sum to have in any single account.

From past Trading account sells I am 75% on the way to get to the max in the NS&I direct saver that I can remove very easy to top up the £20k ISA allowance each year or buy some more Britts as and when.

I wish I knew more about trading when I opened up my first account ( Trading Acc ) as I did not know so much about the ISA positions and I wish I had done a lot of research to save years having to reduce the cash that was in the T/A, one big mistake on my behalf.

Anyway I have my road planned now and I am in first gear ready for the future to ensure my family will be well looked after I pop me clogs.

Take care bud and the very best of luck.

ATVB

Tom 👍🎅🌲

Hey Speedy, Just a quick question. I hold Britts and they are stored away in a secured & safe haven for a rainy day, and I am collecting more, somewhere to save safely and not letting it be robbed by tax.

The problem is that many LTH investors here in GGP bought in at under 1p in my case averaging around 0.01 back in 2018 and a lot at that.

For an examlpe. ( THIS IS NOT FINANCIAL ADVICE IT IS MY OPINION ONLY )

1. You have sold all from the old GGP trading accuount that were open to CGT. And keeping your active GGP S&S ISA account and not touching it.

2. All proceeds after paying any taxable interest from the T/A is put into NS&I direct saver accout that is then at hand very quickly to invest more or to take some out if you want for any reason, at least you have in this case say up to £2 mil, SAFE + interest.

3. You are allowed up to £2 mil in that Direct saver account and any Interest at 3.30 % per Annum is taxable at your taxable allowance / rating. Thats a wopping £ 66,000 pounds per annum and nothing to be sneezed at as happily retired and you still have your full stake.

4. Point is your savings are safe and so is your interest after paying tax.

5. If you are loaded up to say £2 mil in Gold Brits just say the Gold price for any reason crashes, lets hope not say just for example 50%, you then only have £1 mil in physical gold and paying for a small storage fee etc.

So my opinion is,

1. Yes keep say 25% in physical gold. Brits 👍

2. keep up to the max in NS&I direct saver account plus interest and taxable. £2 Million, plus 3.3% interest per year.

3. Keep the remainder in your S&S ISA account ( Non Taxable ) and if this runs away in a northerly direction as many expect you will be covered in all 3 cases mentioned.

Finally as some have said dont put all eggs in one basket and personally my opinion is sound and in three baskets.

As said this is my way forward and in no case financial advise.

1. Basket one, Brits held in a secure safe store. IMO 25%

2. Basket two, Maxamise the NS&I Direct saver account.

3. Basket three, GGP S&S ISA account, the way we are going, who knows how much this basket will be in the next few years, maybe have to get a few more Baskets. 🤔😂

BOL all GGPers and this is my personal thought and what road I am taking and of course others have different plans, as I suppose your age must be considered and taken into account including personal circumstances.

Hope for a good result for the rest of the week.

Excuse any spelling as it was supposed to be a quick question

ATVB

Tom🎅🌲👍❄️

Aqua hey, you’re right after some thought I cancelled my £20k limit sell of £5 (only just over 4000 shares small amount of my holdings) will wait now for the £7.

It’s wonderful to see our SP rising again so have to keep my hands in my pocket and away from any buttons 👍🤶🎄🌲👍

Cheers

Tom🎉

Aqua hey, yes that’s it we are only talking about a small % now and again not a total sell out as some may assume.

It makes sense at a certain £ value say £5/£6 it only makes sense to save a wee bit and do the same if the SP increases.

We are not multi companies but normal day to day share dealing customers and to make a bit here and there and save most of it for their families is what I think is all about including a great life style if you can, no point in losing it .

E1 hi,

Yes I agree and I was talking about a small % now and again to withdraw from a very large investment when the SP is right and not sell out as you say.

My plan is to remove a % when the SP say gets to £5 to £7 and to save that into a firm savings account or keep into the ISA account.

Some here have say for example £1 / £2 million pounds invested in GGP and others more.

To remove say £20 k / £50k when the SP gets to those prices is a good thing IMO to do to ensure your part investment. Just think if the SP rises you have not only secured your money but you have still have the same amount invested. If it falls you have not lost anything as you still have the cash invested.

Hope that makes sense

ATVB

Tom👍🤶🌲🎄🎄🎅🍾

Sorry forgot to say :-

If you have a mega amount and happy, do not let the old greed factor worm its way in as it does and be happy with your decision and make sure your waiting pays off in your interest and IMHO that’s the way I see my future as well safe and I hope many sit down and think about theirs.

👍🌲🤶🎅🍾

ATVB GGPERS Tom🌅

Aqua hey,

As you say selling a few as the SP rises and say if you hold the cash in your account if the sp falls you can always buy them back at a lower price. You can always keep your cash in your account until you decide to move that cash into a firm savings account.

Either way you keep your cash and may make more with the small amount that you are dealing with and no risk at all.

Many of us have a large amount of shares some in the MILLIONS so to take out a few to a safe haven is IMO now a good time to think about it. I am 👍

Everyone has to work out what the best way forward is but to have say 300k to 400k shares in an account needs to think hard especially at your age and if reducing the amount of shares held is in your interest.

Cheers Snorkler 👍👍👍👍

Well said Bamps and thats what its all about 🌲🎅😎

Spades / Speedy, hey guys, 40p old money would do me fine :-)))))))))))))))))))))))))))))) Time for a big long holiday. 😎 and spades the sticker really made me cry, brillient cheers.😂

That made me laugh and thanks for your posts, appreciated big time .

Kind regards

Tom 🎅🌲🌲🍺😎

Paddy hey,

Pease have a great Christmas and New year to all your family and thanks so much for your continued efforts / support to our great board and friends, cheers Paddy and good health.

sláinte

Tom

Leslieby hi, GOOD POST thanks.

Yes I agree with your thoughts as I have a similar plan.

I have recently closed down my trading acc ( Tax reasons ) and put the proceeds into a good Savings account NS&I, leaving my ISA acc fully in tact that seems to be growing by the day so yes I am going to start reducing the amount of shares ( at my age ) and start building up my savings account for my family.

I know it sounds silly but you can only have enough shares in a company that may be a " POSSIBLE" risk ?? in my case now 400k shares that is a frightening amount of money left in any account at my age. 😟

I have come to the conclusion the amount I have will give my family and I everything we want / need, so as you say I have already put in a LIMIT sell at £5 for 20k today ( until Friday ), a small sum but I feel at my time in life it is best to take a small amount each time and invest in a good saving account, even a small amout as said it will take me years to reduce.

So in my case, yes a little transfer when the SP is around £5/6 to reduce my share holdings to a less frightening amount, yes I know it sound strange but its the time in life syndrome I am considering as I would like to sort it in the next few years and not to wait longer when it will become a lot more difficult to sort out if I pop me clogs as they say.

Well that me done and I hope it may help others.

GLA GGPERS

Tom. 🌲🎅👍😎❄️🍺

Zoros hey bud, yes I am still here each day hoping to see the mystical £5/6, see my post to Snorkler Today 12:49.

At nearly 75 I really do not think I will be around in 2032 but you never know ??? blimey thats years away but as you know doesn't time fly at least I will have enough saved for a zoomer mobility rider to get me down to the local 😂great start to life !!

Take care mate and all the very best.

Tom 🎅❄️😎🌲👍

Snorkler hey bud,

To be fair truthful, sincere, at the age of nearly 75 in Jan 2026 £ 6/7 would tell me to part with a good 75% of my shares and put the money into a safe and trusted savings account for my family. The remainder I will leave in my GGP ISA account for a good send off when it happens, God Forbid.🙏

GGP have been the best investment I have ever been involved in thanks to a good mate Bamps from our old days in Taylor Woodrow where he gave me a heads up towards GGP and I have never looked back.

So my time frame is £6/7 "ASAP" then I can start to relax in my old age and enjoy.

Keep safe and well, and the best of luck here on our great board.

Kind regards

Tom 🎅👍🌲😎❄️🎅

Hey Bamps, thanks for your welcomed reply and that to me sounds great, and reassuring.

By the way well done with your meeting and presentations of late what a trooper and I am sure Shaun and team really thank you for your brillient support, effort and unselfish contributions to GGP the Board and its members, well done and the best of thanks from me as an old buddy from TW.

I bet our old friend Neil is looking down on us bless him and family.

Keep safe and thanks again.

Tom 😎🌲👍🎅

Afternoon all, just a quick question for some.

Over that last month there has been a number of members that have predicted a SP of £ 5/6+.

My question is what do they think now with all the things going on througout the World.

We are not far from £5 but IMHO I really can not see £6, but that is my look / opinion on the current circumstances.

Maybe this could be discussed sensibly ( No trolls allowed ) over the next week or so before the Christmas Break.

Could be a mind opener to many including me.

Have a great week all.

Tom 🌲🎅👍😎🌲🎅

H4 ???

Come again🤭🤭🤭🤭 once was enough !!

Say again in English please 😂