James Harvey
@keepof4worlds.bsky.social
Liberal. Gay. Green. Countryman. Living in Ebernoe, Sussex and Kennington, London. he/him
This: also, I’m sorry, but the only business qualifications that count generally are the better MBAs and professional qualifications (e.g. accountancy) i.e. post grad. A first class economics degree from LSE will get you somewhere I guess.
November 29, 2025 at 3:24 PM
This: also, I’m sorry, but the only business qualifications that count generally are the better MBAs and professional qualifications (e.g. accountancy) i.e. post grad. A first class economics degree from LSE will get you somewhere I guess.
Reposted by James Harvey
70% of the additional spending from removing the two-child limit will go to families who are in work. This is targeting support for low-income working households who are being priced out of a decent standard of living despite doing everything asked of them.
November 27, 2025 at 4:38 PM
70% of the additional spending from removing the two-child limit will go to families who are in work. This is targeting support for low-income working households who are being priced out of a decent standard of living despite doing everything asked of them.
*footnote: If you were planning to buy an annuity then the effects were muted: because a fall in the value of your bond investments is largely matched by an equal and opposite improvement in the value of the annuity you can buy - which is why pension funds move you to fixed income on that assumption
November 29, 2025 at 11:00 AM
*footnote: If you were planning to buy an annuity then the effects were muted: because a fall in the value of your bond investments is largely matched by an equal and opposite improvement in the value of the annuity you can buy - which is why pension funds move you to fixed income on that assumption
Exactly. And if you were planning to move to drawdown (rather than an annuity) in early 2023, and your default fund had blindly moved you into bonds, then the Truss/Kwarteng debacle triggered a ~30% fall in the value of your pension overnight…
November 29, 2025 at 10:56 AM
Exactly. And if you were planning to move to drawdown (rather than an annuity) in early 2023, and your default fund had blindly moved you into bonds, then the Truss/Kwarteng debacle triggered a ~30% fall in the value of your pension overnight…
As posted elsewhere, I heartily recommend the videos by this chartered financial planner, which are brilliant. youtube.com/@jamesshack?...
James Shack
A financial planner making videos about money, financial independence and living a good life.
Disclaimer: All of my views are my own, and not representative of any company. Any personal opinions, id...
youtube.com
November 29, 2025 at 10:51 AM
As posted elsewhere, I heartily recommend the videos by this chartered financial planner, which are brilliant. youtube.com/@jamesshack?...
It’s clear that you aren’t interested in having a sensible fact based conversation, so goodbye
November 29, 2025 at 10:49 AM
It’s clear that you aren’t interested in having a sensible fact based conversation, so goodbye
Genuine belly laugh
November 29, 2025 at 9:03 AM
Genuine belly laugh
Exactly: if you *need* accessibility to your funds in the short term, you are entirely sensible in investing in lower volatility, lower return assets. Because those are low risk assets for that purpose, as well as being high risk assets for long term investing.
November 29, 2025 at 8:59 AM
Exactly: if you *need* accessibility to your funds in the short term, you are entirely sensible in investing in lower volatility, lower return assets. Because those are low risk assets for that purpose, as well as being high risk assets for long term investing.
No one could have predicted this
November 29, 2025 at 8:45 AM
No one could have predicted this
…very soon they’re going to have to exclude *their own short dated government debt* from the things you can invest in…
November 29, 2025 at 8:35 AM
…very soon they’re going to have to exclude *their own short dated government debt* from the things you can invest in…
Well that’s going to be easy to police…
November 29, 2025 at 8:24 AM
Well that’s going to be easy to police…
It’s also a flawed understanding of risk per se: equities held over the long term have a very *low* risk of underperforming inflation: cash in interest bearing accounts has a much *higher* risk of so doing. The riskiness of an asset is not an absolute characteristic, but changes…
November 29, 2025 at 8:14 AM
It’s also a flawed understanding of risk per se: equities held over the long term have a very *low* risk of underperforming inflation: cash in interest bearing accounts has a much *higher* risk of so doing. The riskiness of an asset is not an absolute characteristic, but changes…
This is brilliant and inspiring teaching!!!
November 29, 2025 at 6:55 AM
This is brilliant and inspiring teaching!!!
It’s all very confusing. I always recommend this chap as an introduction. He’s a Chartered Financial Planner, and his videos are *excellent*. youtube.com/@jamesshack?...
James Shack
A financial planner making videos about money, financial independence and living a good life.
Disclaimer: All of my views are my own, and not representative of any company. Any personal opinions, id...
youtube.com
November 29, 2025 at 6:49 AM
It’s all very confusing. I always recommend this chap as an introduction. He’s a Chartered Financial Planner, and his videos are *excellent*. youtube.com/@jamesshack?...
Do also consider what you plan to do with the money when you retire: if your plan is is buy an annuity, a target date fund is very sensible. If not and drawdown is your aim, putting all your chips on a fixed income bet close to retirement is a bad decision - and very risky (see: Liz Truss)
November 29, 2025 at 6:45 AM
Do also consider what you plan to do with the money when you retire: if your plan is is buy an annuity, a target date fund is very sensible. If not and drawdown is your aim, putting all your chips on a fixed income bet close to retirement is a bad decision - and very risky (see: Liz Truss)
Do bear in mind that your retirement could easily last over thirty years! Unless you are planning on buying an annuity (why?), you will still be holding the majority for > 5 years at retirement, so keeping most of it in equities is perfectly sensible.
November 29, 2025 at 6:42 AM
Do bear in mind that your retirement could easily last over thirty years! Unless you are planning on buying an annuity (why?), you will still be holding the majority for > 5 years at retirement, so keeping most of it in equities is perfectly sensible.
Though also, if he wants to save >£12,000 a year in an ISA with extremely low risk, saving it in a stocks and shares ISA, but investing it in money market funds will achieve an almost identical result to a cash ISA. (So again the whole debate is made redundant with a little knowledge.)
November 29, 2025 at 6:33 AM
Though also, if he wants to save >£12,000 a year in an ISA with extremely low risk, saving it in a stocks and shares ISA, but investing it in money market funds will achieve an almost identical result to a cash ISA. (So again the whole debate is made redundant with a little knowledge.)
They’re just vainly hoping she’s going to refer back to them as “my big Zweihänder” 👀
November 28, 2025 at 2:22 PM
They’re just vainly hoping she’s going to refer back to them as “my big Zweihänder” 👀
“… Baron Vladimir Harkonnen…”
November 28, 2025 at 2:16 PM
“… Baron Vladimir Harkonnen…”
This is the same magical thinking that assumes putting huge amounts of employer NI on lower paid workers is just a tax on wicked capitalists. Er, no: it means lower pay for lower paid workers and fewer jobs.
November 27, 2025 at 10:16 PM
This is the same magical thinking that assumes putting huge amounts of employer NI on lower paid workers is just a tax on wicked capitalists. Er, no: it means lower pay for lower paid workers and fewer jobs.