Britain is 100% finished.>being invaded by thousands of third worlders that get everything paid for by the state>old people getting obscene levels of handouts whether they paid taxes throughout their lives or not>National Health Service is a money pit; takes over two weeks to see a GP>San Francisco-tier housing policy throughout the country that totally cripples growth and leaves housing in a disgustingly expensive and shit state >houses are so tiny and expensive>taxes pay for scum of the earth to get handouts in a million different ways, including handouts for fake mental health blue haired tiktok freaks, third worlders getting mansions in central London >government increasing regulations and taxes on employment and housing, leading to less jobs and more expensive housing>all the jobs are in London and the government's response is to increase taxes on London>energy more expensive than everywhere else in the Western world (either Germany or UK are the worst), meaning deindustrialisation is ongoing>government bans new oil and gas exploration >fracking industry banned from the start>mentality of the entire country is that hard work and intelligence are evil, and stupidity and parasitism are the greatest virtue >free speech is illegal, internet censorship and privacy destruction regulations have started and are going to get worse I have totally tuned out all popular culture and all native media. I don't identify with the proles. I don't identify with the middle class. I don't identify with posh people. I don't pay attention to politics in this country and don't know who my MP is or who runs my council.Every tradition is hollow. I die of cringe when I see people cooing over cutesy traditions on Twitter. I'd trade every single tradition and old building for an American pickup truck and a $130k job at Bucees.
>>542796182You voted for it
>>542796234Only leftist shit skin worshipping faggots voted for it.
First poster is right. You voted for itIf you don't want any of this, then don't vote for it. Stupid Angloid fuckers. My region is entirely local and we have to suffer what you vote for. Vote better, retards
>>542796234All the parties support the exact same thing. So no, it was not voted for, there was never a choice.
>voting lol
>>542796450You live in a local town for local people?
>>542796182When the UK was a Christian nation, they were on top of the world. Now you can see the curses pronounced in the Bible for a nation that turns its back on God. “The alien who is among you shall rise higher and higher above you, and you shall come down lower and lower. He shall lend to you, but you shall not lend to him; he shall be the head, and you shall be the tail.”
So why aren’t you preparing for the inevitable collapse? Move away from London, it’s going to be nuked.
>>542796182Lol so glad I'm leaving this sinking shithole island.Electricity prices will go up 2x to 3x BTW.You aint seen nothing yet. Inflation is going to the fucking moon. You WILL house the boatniggers. You WILL have street signs in Urdu. You WILL be taxed more, and finally you as a white man WILL be at the bottom of the hierarchy.
>>542796182All that and still you lot won't chimp out like the Irish did
>>542796742Where are you going?
>>542796802Israel
>>542796182Yeah, we're cooked chat
>>542796600No, my region can only participate in local politics
>>542796182lol mutt hands wrote this post
>>542796802He's not going anywhere. Unless you have enough cash to shield yourself nowhere is safe
>>542796965>mfw someone with a british flag fails to recognise a reference to classic british comedy
>>542796182This was our worstest hour
>>542796965He was making a reference anon.
Exactly no one thinks "hard work and intelligence are evil"
>>542796742Up to 25% predicted this January, but over the next 3 years 2-3 times isn't unreasonable. The Labour Party are utterly treasonous, delusional, corrupt and retarded and will persist with their lefty globalist jew policies regardless of any consequences.
>>542796495Literally this but low iq don't understand it.
>>542797298absolutely *no one* anon?
>>542796450>My region is entirely local and we have to suffer what you vote for.You voted for it though, so it's entirely YOUR fault.
>>542797150good showhttps://www.youtube.com/watch?v=LyQZLvMfDBY
>>542796182yes it is genuinely over. it needs to collapse to get better and start afresh. thankfully, i see collapse coming soon
>>542796182I can’t say what I wanna say so im just gonna say you voted for it
National decline is inexorable and cant be arrested. Learn to live with it and youll be much happier.
>>542796802Hopefully back to his indian shithole.
>>542797153>outdoors>start of summer>beach>only white lads aboutQuite a holiday
>>542796353>>542796495You relaxed
>>542796182>Rothschild's live and rule from Britain their entire live>Go full pajeet and shit up your houseDid their inbred bloodline chimp out?
working class rightoids are honestly getting worse than the damn immigrants. They speak only in slogans they learned from watching right-wing slop content on YouTube >you voted for it>yookay >millions>christ is king! >weefaawn>weestaaaawSit down fellas and stay in the pub. We'll call you when we need your vote. Just try not to say anything crass and/or shit yourselves.
>>542796182To be honest i don’t believe the invasion stuff, it really doesn’t bother me much and reads very much as divide and conquer. The only real thing I’m worried about is internet censorship and laws and regulations that affect our privacy and anonymity that results in less self sovereignty. The real invaders are those with eyes in your phone and a hand in your bank account. Every piece of data and tracking that you hand over in the name of convenience. Even just to post here you have to jump through hoops. it is the state of the world and if you see it on the news it is a distraction being presented by corporation, government and the billionaires who own the news. Divert your anger into higher places, brown people and leftists are the least of our worries, and if you’re either angry at or destabilised by other people who have no idea what they are doing,( much like any of us) rather than government, and laws and legislations then the system is fucking working on you and all the bad shit in the world benefits from enough people believing the bullshit.
I just got a pay rise why is it over?
>>542797962>my non-elite co-ethnics are a bit too gauche so my ethnocide is not that bad, actually
>>542796182If I were a bong, I would be doing everything in my fucking power to immigrate to the U.S., getting any kind of visa I could under any circumstances, but you all seem far too inhibited for that and would rather continue complaining than do something about it. Good luck in We Happy Few: Paki Edition, it's only going to get worse from here.
>>542797150The only British comedies I seen were Steptoe and son, inbetweeners, father ted and Monty Python
>>542797467I did not vote for it. Actually
>>542798321The funny thing about living in this country is that tax goes up so steeply with a pay rise that almost everyone is on the same effective income regardless of actual pay level
>QUICK! VOTE HARDER LADS!Lol
>>542798458>not in the 40% tax bracket yetI'm doing better. It's looking up
>>542796182ok ranjit ₽100 has been deposited in your account
>>542796182The best of the anglos need to collectivise from all across the anglosphere to carve a new future for ourselves. No American, No Brit, No Aussie, just Anglo, and we must fight the hardest fight in history to ensure our futures.
>>542798398>nooo you have some brown people>come to our melting pot country >our brown people (mexicans) are better>apparently they're all terrorist rapist murdering gang members (According to republicans)>come to america!No tanks.
>>542796182>Britain is 100% finished.FINALLY SOME GOOD NEWS!!!
>>542798604Congrats, and on the assumption that you're young, please start putting money into your pension like I didn't at your age. You don't get do-overs for this and this country is frighteningly financially illiterate about investing.
>>542798745>replaced manosphere with anglosphere>cringelordI hope you're not British, I'd be sad that bullies in school didn't do a good enough job at making you less cringe.
>>542798376you reach like a third world'er reaches for a bag of rice from an aid worker, my friend. Why? Is this all you're capable of?Is it safe to assume you also have the political IQ of a small, brown child as well?
>>542798398>I would be doing everything in my fucking power to immigrate to the U.Slol nobody is that fucking stupid
Is this the new britpol?
>>542798830I'm not young but I'm alright with money, Just nice to finally get some half decent pay for the shite work I do. Makes you feel good inside.
>>542798984I also like how you get free pension advice from the government at 55 and not before, which I assume goes something like>You should've started saving 30 years ago, bit late now mate
>>542798398>all that cool haroldary symbols >brown people everywhere Big oof
>>542798830>this country is frighteningly financially illiterate about investing.this is largely true, although the uk is far from being alone in this>please start putting money into your pensionthe only time pensions are actually worthwhile is if you get matched contributions through your job. over and above that amount, self investment is a better option
>>542798967is your dad a bender
>>542799057Jobs automatically give you pensions now and have for like 10 years, dunno why you don't have one. Think I got like 6 of the fuckers floating around, need to put them all back into 1 really.
>>542799069They don't teach you enough about investing imo. Like the idea of it "put it into vanguard or some shit" YEA BUT HOW I DONT KNOW HOW SHOW ME.
>>542797948These aren't living inside their mansions and they have their own personal guard
>>542799186The default contribution rate of 3% from the employer will get you little by retirement age and the default investment strategy of "medium risk" can be fatal to your growth, so "jobs automatically get you pensions" is not a good way to look at it>>542799069most pensions are worthwhile because the benefits of the tax shelter are hugethe advantage over a private pension depends what you're invested in, but many large workplace pensions in global equities can be decent and have lower fees than you could get in a SIPP
>>542799397>pensions bad>pensions goodyou're confusing us.
>>542798871Fuck off non-anglo, you're not invited
>>542799493>pensions are better than sticking money into a savings account>you should still pay attention to what your money is actually invested inis this too nuanced?
>>542799397They'll just keep extending the normal pension age. Before you know it workplace pension will be 70 before you can claim it, and the state pension won't exist. Fuck the political establishment, they all deserve to die.
>>542799251>YEA BUT HOW I DONT KNOW HOW SHOW ME.1 first make sure you have a cash emergency fund. about 2-3x your monthly salary. don't skip this step2 open an isa. an isa allows you to invest up to £20k per year tax free. 3 put money into your isa each month. about 10% of your salary. this will hurt at first but you will get used to it4 3-4 times a year buy new investments in your isa. aim for a diverse basket of ETFs (exchange traded funds). e.g. 1x ftse100, 1xs&p500, 1xeuro, 1x high yield etc etc5 repeat until you have about 10-12 different funds and are maxing out your isa every year6 watch dividends roll in. reinvest them, inside the isa. don't take things out of your isa unless your life depends on it. don't stress over small fluctuations in the prices of the ETFs themselves. diversity is your friend overall.7 rebalance the investments if any of the funds gets overweight etc8 once you have this system working, you can work on other things. precious metals, cryptocurrencies, more risky stocks, whatever you want as long as you are prepared to lose the money9 relax, have a beer10 when your dividends become enough to live on, retire if you wantthere ya go anon, you are now more financially literate than most of the population
>>542799549Thank fuck for that. >>542799582Ok I understand better. Should you be asking your employer to put more of your wages into your pension (even if it's above their contribution rate) or should i just take that money and open a stocks and shares account in my bank?
>>542799397>most pensions are worthwhile because the benefits of the tax shelter are hugeyes, that is why you should take advantage of workplace pensionsbut you can also invest tax free outside a pension and have more control over your investments
>>542799709We're going to plunder your pension account and spend it on bombs to blow up non-anglos.
>>542799679and I'd do this ISA through my bank or some trading app?
>>542799799I'm taking my pension and fucking off to Asia goodluck finding me when im sucking vodka from a chinks asshole.
>>542799835>and I'd do this ISA through my bank most likely, yes, although it is not strictly necessary. my isa is with halifax, but i don't have any other kind of account with them>or some trading app?no. do not touch trading apps
>>542799870You will be murdered by some shark eyed browniods for your pension money and nobody will give a fuck. because you're a scumbag that went there to abuse their women.
>>542799907so basically open a stocks and shares ISA with my bank and figure it out. Can i have a LISA and ISA?
>>542799934I'll tell your mum hello for you when im sucking pingpongs from her vag.
>>542799679look the tax advantages of contributing via pension are truly massive so prioritizing pension over ISA usually makes sense>4 3-4 times a year buy new investments in your isa. aim for a diverse basket of ETFs (exchange traded funds). e.g. 1x ftse100, 1xs&p500, 1xeuro, 1x high yield etc etci disagree with this bit, a single global equity fund VWRP or VALL (maybe wait till 2027 to get VALL, it's a new fund) is all you needthese are very, very diverse funds, anything else isn't really "buying the whole market' but gambling and picking stocks.>5 repeat until you have about 10-12 different funds and are maxing out your isa every yearjust keep buying VWRP but OK>6 watch dividends roll in. reinvest them, inside the isa. don't take things out of your isa unless your life depends on it. don't stress over small fluctuations in the prices of the ETFs themselves. diversity is your friend overall.VWRP is an accumulation fund so the dividends are automatically reinvested. VWRL is the income/distribution version and if u held this the dividends would be periodically deposited in ur brokerage account as cash.bear in mind that you can invest outside your 20K ISA limit in a GIA but will have to pay dividend tax on profits.>7 rebalance the investments if any of the funds gets overweight etcdon't bother, just buy a single global equity fund>8 once you have this system working, you can work on other things. precious metals, cryptocurrencieskeeping a small percentage in gold ETFs can be a good ideai wouldn't bother with anything else, investing is supposed to be boring.
>>542796182I suspect there will be a lot of British people moving to the USA soon. You will be most welcome my friend.
>>542799960>Can i have a LISA and ISA?lisas give you a little bonus but the money is locked up. lisas are basically a way of encouraging people to save a bit more for their old age and not pissing away all their money. you can decide if the extra bonus is worthwhile for you. personally i'm not that bothered as i would prefer to use the lisa allowance in my main isa
>>542800056>investing is supposed to be boring.shit hurts my head desu senpai
>>542799835you can just open a vanguard account and use their app and websiteor hargreaves landsdown is another good broker with more choicealways pay attention to the fee though, Vanguard charges 0.14% for VWRP which is barely tolerable
>>542796234Shut that fuck up you stupid anglo dog and KYS
>>542800185this is kind of the problem, we have a population that still knows jack about investing but we're now supposed to manage our own pensions and will get blamed if they go tits up
>>542800056>putting all your eggs in one vanguard basketyeah no
>>542800304I know about LISA's and ISA's a little bit but managing it all, keeping up with it all is a fucking headache for me. God help me when i get into stocks and shares accounts but I'm writing all your shit down and the other anon helping me
>>542796182
>>542796600Lmao checked
>>542800369>keeping up with it all is a fucking headache for methis is the beauty of it all anonyou set things up so you don't have to keep up with it all the timei spend about 15-30 minutes a week looking at my investmentsday traders and the like are just fucking stupid
>>542800304Let's say i open a LISA and i put 4k into it to get the 1k from the government can i use the other 16k in a S&S ISA so it all stays in the 20k range?
>>542796182yeah, bout time you guys had another revolution or civil war it seems.
>>542800625yes
We've been on managed decline mode since Theresa May imo. Absolute shitshow, I'm glad I have a small mortgage and good pension with 30 years till retirement.
>>542800691thanks for the help bros im learning, Let's see how well this goes for me.
>>542800369i'd even have a chat with AI about it, don't ask it to pick stocks for you but gemini is okay on general financial advice in my experiencealso see the leddit personal finance flowchart at https://ukpersonal.finance/flowchart/ I personally didn't ever bother with LISAs since it didn't store that much but your main tax shelters in the UK are your pension contributions via employer match and salary sacrifice and your ISA, so use them.the smart thing to do if you get a house is also to use mortgage as leverage, by that i mean, put the money you might use to pay off your mortgage fully into your pension, then use part of the tax free growth to pay the whole mortgage off when you retire. >>542800358if vanguard fails the world's probably ended
>>542798458I'm on £55k but do everything to stay under the 40% just because fuck the gov
I wonder what the goberments plan is once europe is fully deindustrialized and effectively useless in contrast to the outside world (we're going there fast), without competitive production you have what? gibsmedats? You'll just have a bunch of nations with unemployed goyims and golems roaming around
>>542800843>put the money you might use to pay off your mortgage fully into your pension, then use part of the tax free growth to pay the whole mortgage off when you retireYea but like if you're paying monthly towards your mortgage I wouldn't exactly have a lot of wiggle room to live off of if i just chucked a huge chunk of my wages into my pension.
Live your life as if things are going to get worse, because they will.
>>542801110well mortgages have an affordability test, you should be able to contribute to pension to take advantage of employer match while paying it downfor most people a mortgage is the cheapest money you'll ever get, so you can make yourself better off by taking advantage of that fact plus the government's quite generous (for now) incentives for DC pension savings
You're a kike.
>>542796182>We don't want to give israel any more money!>Oops, all breakups!!!what an amazing cohencidence.
