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Paninistickers

Investments, stocks, shares

By Paninistickers, in General Chat

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The Bear

The Bear

Posted
Posted (edited)

If you have the cash to invest now then S&P500 (VUAG) is always good and reliable. 

 

Coca Cola (COKE) was flying until they dipped recently. Same with Physical Gold (SGLN). Consumer Staples (SXLP) is another that has dipped the last 2 weeks but will recover. 

 

I have some in US Realty Income (DIVERSIFIED REIT) that has taken a hit the last few days but will definitely recover. 

Edited by The Bear
Spiritwalker

Spiritwalker

Posted
Posted

SML ( a junior miner ) is on a charge just lately mainly due to tungsten prices going through the roof,

at some point it will peak and drop back but big gains in the next couple of weeks is a strong possibility.

dyor.

 

CornwallFox

CornwallFox

Posted
Posted
54 minutes ago, The Bear said:

If you have the cash to invest now then S&P500 (VUAG) is always good and reliable. 

 

Coca Cola (COKE) was flying until they dipped recently. Same with Physical Gold (SGLN). Consumer Staples (SXLP) is another that has dipped the last 2 weeks but will recover. 

 

I have some in US Realty Income (DIVERSIFIED REIT) that has taken a hit the last few days but will definitely recover. 

VUAG has fallen back a bit recently so a good time to buy tbh, was thinking of chucking some more at it on Monday morning 

The Bear

The Bear

Posted
Posted
3 minutes ago, CornwallFox said:

VUAG has fallen back a bit recently so a good time to buy tbh, was thinking of chucking some more at it on Monday morning 

Yep me too. Will probably stick some more in all those I mentioned tbh. 

Zorrovolpe

Zorrovolpe

Posted
Posted

This is a query about tax / finance rather than "investments", but this seems the best thread for it. I'd really appreciate any thoughts about hiring (tax) accountants regarding income tax returns.

 

HMRC think that I should move from simple assessment to self assessment. I suspect that exceeding the 10K annual bank interest threshold has triggered this.

 

My tax return shouldn't be that complex. Income from a (very) part-time job until July '26, then early retirement and an occupational pension kicking in at that point. Other income will be interest from around a dozen different building societies. Nothing remotely complex like shares, foreign assets, etc.

 

I don't particularly want to try and do the return myself (I can see myself making errors / losing patience).

But then again, some people who use tax accountants complain about the sheer volume of information that they request; if you're spending so much time digging up info and figures for them, mightn't you be better off doing it yourself...? 🤔

 

Any advice much appreciated - many thanks. 👍

The Bear

The Bear

Posted
Posted
3 hours ago, Zorrovolpe said:

This is a query about tax / finance rather than "investments", but this seems the best thread for it. I'd really appreciate any thoughts about hiring (tax) accountants regarding income tax returns.

 

HMRC think that I should move from simple assessment to self assessment. I suspect that exceeding the 10K annual bank interest threshold has triggered this.

 

My tax return shouldn't be that complex. Income from a (very) part-time job until July '26, then early retirement and an occupational pension kicking in at that point. Other income will be interest from around a dozen different building societies. Nothing remotely complex like shares, foreign assets, etc.

 

I don't particularly want to try and do the return myself (I can see myself making errors / losing patience).

But then again, some people who use tax accountants complain about the sheer volume of information that they request; if you're spending so much time digging up info and figures for them, mightn't you be better off doing it yourself...? 🤔

 

Any advice much appreciated - many thanks. 👍

Try tweeting Jimmy Carr. I hear he knows a good one!

 

Sorry, I have nothing informative to say. 

Bellend Sebastian

Bellend Sebastian

Posted
Posted
3 hours ago, Zorrovolpe said:

This is a query about tax / finance rather than "investments", but this seems the best thread for it. I'd really appreciate any thoughts about hiring (tax) accountants regarding income tax returns.

 

HMRC think that I should move from simple assessment to self assessment. I suspect that exceeding the 10K annual bank interest threshold has triggered this.

 

My tax return shouldn't be that complex. Income from a (very) part-time job until July '26, then early retirement and an occupational pension kicking in at that point. Other income will be interest from around a dozen different building societies. Nothing remotely complex like shares, foreign assets, etc.

 

I don't particularly want to try and do the return myself (I can see myself making errors / losing patience).

But then again, some people who use tax accountants complain about the sheer volume of information that they request; if you're spending so much time digging up info and figures for them, mightn't you be better off doing it yourself...? 🤔

 

Any advice much appreciated - many thanks. 👍

Having recently helped my wife with hers I think, given what you've said about your circumstances, it's worth having a go yourself. As everything you've mentioned is either income or interest it should be pretty straightforward, and whilst some of the return is worded slightly technically, it's not that bad and there's nothing you wouldn't get a straightforward layman's explanation for it if you Google it (frequently from the HMRC website itself)

  • Like 1
  • Thanks 1
Spiritwalker

Spiritwalker

Posted
Posted
3 hours ago, Zorrovolpe said:

This is a query about tax / finance rather than "investments", but this seems the best thread for it. I'd really appreciate any thoughts about hiring (tax) accountants regarding income tax returns.

 

HMRC think that I should move from simple assessment to self assessment. I suspect that exceeding the 10K annual bank interest threshold has triggered this.

 

My tax return shouldn't be that complex. Income from a (very) part-time job until July '26, then early retirement and an occupational pension kicking in at that point. Other income will be interest from around a dozen different building societies. Nothing remotely complex like shares, foreign assets, etc.

 

I don't particularly want to try and do the return myself (I can see myself making errors / losing patience).

But then again, some people who use tax accountants complain about the sheer volume of information that they request; if you're spending so much time digging up info and figures for them, mightn't you be better off doing it yourself...? 🤔

 

Any advice much appreciated - many thanks. 👍

I used to do my wife’s, it’s time consuming but not difficult.

  • Thanks 1
Tommy G

Tommy G

Posted
Posted
23 hours ago, Zorrovolpe said:

This is a query about tax / finance rather than "investments", but this seems the best thread for it. I'd really appreciate any thoughts about hiring (tax) accountants regarding income tax returns.

 

HMRC think that I should move from simple assessment to self assessment. I suspect that exceeding the 10K annual bank interest threshold has triggered this.

 

My tax return shouldn't be that complex. Income from a (very) part-time job until July '26, then early retirement and an occupational pension kicking in at that point. Other income will be interest from around a dozen different building societies. Nothing remotely complex like shares, foreign assets, etc.

 

I don't particularly want to try and do the return myself (I can see myself making errors / losing patience).

But then again, some people who use tax accountants complain about the sheer volume of information that they request; if you're spending so much time digging up info and figures for them, mightn't you be better off doing it yourself...? 🤔

 

Any advice much appreciated - many thanks. 👍

I’m an accountant but not a tax accountant - mainly through being lazy I get someone to do mine - for just over £200 to make sure it’s right is a sensible price for peace of mind. Useful if you have capital gains, or any kind of complexities around your employment. 
 

Id move that money so you avoid the £10k of interest that’s being taxed 

  • Thanks 1
richardsfoxes

richardsfoxes

Posted
Posted
On 21/03/2026 at 15:04, Spiritwalker said:

SML ( a junior miner ) is on a charge just lately mainly due to tungsten prices going through the roof,

at some point it will peak and drop back but big gains in the next couple of weeks is a strong possibility.

dyor.

 

Sold all of mine today, 1,471% up got in at 0.35 of a penny last year. 

  • Like 1
Spiritwalker

Spiritwalker

Posted
Posted
18 hours ago, richardsfoxes said:

Sold all of mine today, 1,471% up got in at 0.35 of a penny last year. 

Yeah it’s dropping now, looks like a few are selling on the pending news.

DDub

DDub

Posted
Posted
On 21/03/2026 at 15:39, Zorrovolpe said:

This is a query about tax / finance rather than "investments", but this seems the best thread for it. I'd really appreciate any thoughts about hiring (tax) accountants regarding income tax returns.

 

HMRC think that I should move from simple assessment to self assessment. I suspect that exceeding the 10K annual bank interest threshold has triggered this.

 

My tax return shouldn't be that complex. Income from a (very) part-time job until July '26, then early retirement and an occupational pension kicking in at that point. Other income will be interest from around a dozen different building societies. Nothing remotely complex like shares, foreign assets, etc.

 

I don't particularly want to try and do the return myself (I can see myself making errors / losing patience).

But then again, some people who use tax accountants complain about the sheer volume of information that they request; if you're spending so much time digging up info and figures for them, mightn't you be better off doing it yourself...? 🤔

 

Any advice much appreciated - many thanks. 👍

Give it a go yourself, most things it’s worth paying a professional for, a simple self assessment isn’t one of them.

 

My main concern for you would be you’re holding far too much cash if you’re generating over £10k in interest a year. 6 months is generally sufficient whilst working, 2-3 years in retirement to ride out market volatility. Anything extra and your inflation risk, alongside opportunity cost is truly hurting your long term net worth growth. 

  • Like 1
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  • 2 weeks later...
lcfc sheff

lcfc sheff

Posted
Posted

It was written in the stars wasn’t it, markets start to improve so off course another country feels to continue the bloodshed. 
 

I was shocked to see how much the markets moved today initially, quite clearly some people were tipped about Israel’s plans as I’m sure we’ll see a dip in the market again tomorrow.

 

sigh 

Paninistickers

Paninistickers

Posted
  • Author
Posted
12 hours ago, Tommy G said:

Anyone buy the dip, suspect FTSE and global markets will rocket now with the ceasefire. 

Tbh the dip never really took hold. I think as a whole my 'portfolio' (sounds absurd for the few K I have invested) went from around returning a steady 7% of recent months to at worst a dip of 1.5% and it's back up at 2% up now. 

 

I think the real dip/adjustment is yet to come, based around overvalued speculative tech stocks. 

 

 

Officer Doofy

Officer Doofy

Posted
Posted
On 08/04/2026 at 21:54, Paninistickers said:

Tbh the dip never really took hold. I think as a whole my 'portfolio' (sounds absurd for the few K I have invested) went from around returning a steady 7% of recent months to at worst a dip of 1.5% and it's back up at 2% up now. 

 

I think the real dip/adjustment is yet to come, based around overvalued speculative tech stocks. 

 

 

Undoubtedly tech stocks are in for some turbulence at some point. 

 

 

All about the minerals and resource stocks for me atm. 

Stadt

Stadt

Posted
Posted
3 hours ago, Officer Doofy said:

All about the minerals and resource stocks for me atm. 

Me too, AI, arms and  renewables are all downstream - so if one tanks the others are likely insulated 

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