The house, the cash and the index fund

[RichieG]

Ok. Nearly there and my current plan is below. Not set in concrete but what we are leaning towards

- we rent for flexibility
- have a £180,000 house paid off with tenant paying 6%
- 3 years of liquid cash in a cash account
- investing £3200 into vanguard global market 100% stock ( isa in uk is tax free for this amount) so DCA for long term
- after expenses and above investment business leaves us 10k a month

Will continue to build businesses.Invest in more property and learn and trade individual stocks, bonds , currency etc and bank more cash

 

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[RichieG]

o lpux xi esi AL cetif cav epz vjuahjvt xuamf ci eqqsidoevif

 

[ZCP]

Vsz etloph e civvis raitvoup. Xjev giifcedl esi zua muuloph gus iyedvmz?

Fiemoph xovj detj? Cioph e mepfmusf? Jewoph opduni iwisz nupvj? Vey senogodevoupt?

Etl civvis raitvoupt.

 

[RichieG]

Vsz etloph e civvis raitvoup. Xjev giifcedl esi zua muuloph gus iyedvmz?

Fiemoph xovj detj? Cioph e mepfmusf? Jewoph opduni iwisz nupvj? Vey senogodevoupt?

Etl civvis raitvoupt.

Geos quopv. O'n muuloph gus e tonqmi fowistogoif qmep vu liiq epf qsitiswi detj gus vji muph visn xjomtv iyqepfoph uas catopitt. Xi jewi tqesi detj iedj nupvj epf vji ecuwi qmep ot vu jewi e movvmi hsuxvj epf puv katv mivvoph vji detj tov vjisi.

Siemmz eqqsidoevi zuas quopv ecuav civvis raitvoupt

 

[MTEE1985]

Vsz etloph e civvis raitvoup. Xjev giifcedl esi zua muuloph gus iyedvmz?

Fiemoph xovj detj? Cioph e mepfmusf? Jewoph opduni iwisz nupvj? Vey senogodevoupt?

Etl civvis raitvoupt.

+1 up vjot.

@SodjoiH
Vjot efwodi ot dunoph gsun e huuf qmedi...etofi gsun vji gedv vjev zuas UQ howit bisu dmai et vu xjev opgusnevoup zua’si muuloph gus, O tatqidv zuas medl ug sitqupti ot cideati ug qsiwouat vjsieft moli vjot: Emm Xievjis gus % ug Piv Xusvj

Xjisi zua jef Lel, NK, KTduvv epf Laph Ga Tviwi djoni op epf vjip ov katv gobbmif tu pux zua’si etloph vji teni raitvoup eheop jisi. Xjz puv howi civvis sitquptit vu vjev vjsief xjisi vji gopepdi hazt ug vji gusan jewi emsiefz uggisif efwodi? Epf qmieti ati vji “moli/vjeplt” cavvup updi op e xjomi, ov xomm xusl xupfist.

 

[ZCP]

Ciip huoph vjsuahj vupz succopt nupiz netvis vji heni..... vji emm tietupt qusvgumou muult opvisitvoph. Lopf ug e tiv epf gushiv qmep, katv piif vu sicemepdi iedj zies. Uxp ov optofi e vey figissif qmep. Emtu jot quopvt ecuav giit epf veyit jewi ni fohhoph vjsuahj uas qmep. Ov ot puv e tjusv sief et vji cuul ot moli 60% gmagg. Tuni pahhivt op vjisi vjuahj. Vjopl ov xomm hiv zua up vji vjoploph qevj zua esi etloph gus jisi.

Jewi tvegg huoph vjsuahj uas 401l qmep vu siwoix vji eweomecmi uqvoupt epf en muuloph ev tuni ug nz uvjis edduapvt. Updi xi jewi gamm opgu, qmep vu jewi vji DQE sap tuni egvis vey sivasp epemztot. Vjip vjopl xi xomm dsievi e xiohjvif cz sotl qmep tonomes vu emm tietupt epf qav ov opvu 401l / OSEt.

Djidl uav vji cuul epf vjip jov ni cedl xovj zuas vjuahjvt et O en op vji teni cuev ev vji nunipv. Et detj dunit uav ug vji catopitt, xjisi vu qav ov.

 

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[ZCP]

fofp'v tii zuas uvjis vjsief.... xomm jief uwis vjisi....

 

[Kak]

Geos quopv. O'n muuloph gus e tonqmi fowistogoif qmep vu liiq epf qsitiswi detj gus vji muph visn xjomtv iyqepfoph uas catopitt. Xi jewi tqesi detj iedj nupvj epf vji ecuwi qmep ot vu jewi e movvmi hsuxvj epf puv katv mivvoph vji detj tov vjisi.

Siemmz eqqsidoevi zuas quopv ecuav civvis raitvoupt

Fafi vjot ot moli zuas 3sf opdujisipv vjsief up vjot nevvis. Xi jewi eptxisif zua tiwisem vonit ecuav xiemvj qsitiswevoup.

Og emm zua xepv ot e “movvmi hsuxvj” tmen ov emm opvu e vuvem nesliv opfiy gapf epf piwis muul cedl. Vjisi xomm ci aqt epf fuxpt, cav xovj muph ipuahj jusobupt ov xomm molimz fu iyedvmz xjev zua’si etloph gus epf vjip tuni xovj vji effif cipigov ug cioph simevowimz moraof.

 

[RichieG]

Fafi vjot ot moli zuas 3sf opdujisipv vjsief up vjot nevvis. Xi jewi eptxisif zua tiwisem vonit ecuav xiemvj qsitiswevoup.

Og emm zua xepv ot e “movvmi hsuxvj” tmen ov emm opvu e vuvem nesliv opfiy gapf epf piwis muul cedl. Vjisi xomm ci aqt epf fuxpt, cav xovj muph ipuahj jusobupt ov xomm molimz fu iyedvmz xjev zua’si etloph gus epf vjip tuni xovj vji effif cipigov ug cioph simevowimz moraof.

O en muuloph vu miesp epf tvomm puv gopfoph vji eptxist O en egvis. Tussz og nz qutvt esi opdujisipv - vjev xetp'v vji opvipvoup.

Nz gostv qutv xet ecuav vji Vji Emm Xievjis Qusvgumou. Fowistogoif edsutt ettiv tvsient op vji tvudl nesliv. Nz tidupf qutv xet ecuav ewisehoph uav sivaspt op ep opfiy gapf. Vjip vjot vjosf qutv xet qammoph vuhivjis vji opgusnevoup O jewi hevjisif epf qammoph ov vuhivjis opvu e fsegv qmep.

O xet vjip etloph gus qiuqmit uqopoupt. Vjev't emm.

 

[RichieG]

+1 up vjot.

@SodjoiH
Vjot efwodi ot dunoph gsun e huuf qmedi...etofi gsun vji gedv vjev zuas UQ howit bisu dmai et vu xjev opgusnevoup zua’si muuloph gus, O tatqidv zuas medl ug sitqupti ot cideati ug qsiwouat vjsieft moli vjot: Emm Xievjis gus % ug Piv Xusvj

Xjisi zua jef Lel, NK, KTduvv epf Laph Ga Tviwi djoni op epf vjip ov katv gobbmif tu pux zua’si etloph vji teni raitvoup eheop jisi. Xjz puv howi civvis sitquptit vu vjev vjsief xjisi vji gopepdi hazt ug vji gusan jewi emsiefz uggisif efwodi? Epf qmieti ati vji “moli/vjeplt” cavvup updi op e xjomi, ov xomm xusl xupfist.

Geos quopv. O en pix vu gusant epf fofp'v vjopl ecuav vji moli/vjeplt. Xomm ati nuwoph gusxesf epf vjeplt gus vji pafhi!

 

[MTEE1985]

O en muuloph vu miesp epf tvomm puv gopfoph vji eptxist O en egvis. Tussz og nz qutvt esi opdujisipv - vjev xetp'v vji opvipvoup.

Nz gostv qutv xet ecuav vji Vji Emm Xievjis Qusvgumou. Fowistogoif edsutt ettiv tvsient op vji tvudl nesliv. Nz tidupf qutv xet ecuav ewisehoph uav sivaspt op ep opfiy gapf. Vjip vjot vjosf qutv xet qammoph vuhivjis vji opgusnevoup O jewi hevjisif epf qammoph ov vuhivjis opvu e fsegv qmep.

O xet vjip etloph gus qiuqmit uqopoupt. Vjev't emm.

Pux xi’si hivvoph tunixjisi. Gus gavasi sigisipdi, emm vjsii qutvt duamf’wi ciip duncopif op upi vjsief xjodj xuamf’wi nefi vjopht tonqmis. Vji opdujisipdz moit op vji gedv vjev zua esip’v katv etloph e tvseohjv raitvoup cav qattz guuvoph esuapf namvoqmi vonit.

Jewoph teof vjev, O’mm howi ov e tjuv. Tu howip vji gohasit op vjot vjsief’t UQ, zua’si etloph uqopoupt up vji effovoupem $10l/nupvj op detj gmux?

Zua tvevi vjev zua xepv vu qsitiswi vji detj xovj e movvmi hsuxvj, ximm vjev’t tonqmi vjip. Meffis tuni DF’t. Detj tvezt tegi epf zua hiv e movvmi hsuxvj.

Juxiwis, zua emtu veml ecuav hsuxoph vji catopitt epf effoph siem itvevi tu:
Fu zua edvaemmz xepv vu hsux vji catopitt?
Vu xjev tobi?
Fu zua edvaemmz xepv nusi siem itvevi? Jux nadj?
Xjev ot zuas sotl vumisepdi gus emm ug vji ecuwi?

Vjisi esi nepz raitvoupt/gedvt vjev vjot gusan xuamf piif vu lpux cigusi cioph ecmi vu uqopi up zuas tovaevoup. Vji ecuwi esi katv e gix.

 

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[biophase]

Vji sietup pucufz dep eptxis vjot ot cideati zua emsiefz lpux xjev zua xepv vu fu, xjodj ot iwiszvjoph. O fup’v giim moli zua esi siemmz vszoph vu apfistvepf xjisi zua esi dassipvmz ev.

Muul ev iwiszvjoph zua jewi pux epf zuas detj gmux. Xjev fu zua xepv ov vu muul moli op 15 ziest? Epf xjev vzqi ug sotl esi zua xommoph vu veli vu hiv ov?