March Update – Lots going on, but not much to say

It’s been almost two months since I last posted, so rather than leave it any longer, I wanted to say something. But I’ll keep it quick – my attention has been focused elsewhere, although I hope that to change again in the coming months. First off, work has been busy. 80% in a good way,Continue reading “March Update – Lots going on, but not much to say”

S&S ISA Experiment – January 2022

I don’t usually post about my ISA experiment every month (previous updates here), but January has been an interesting month. Obviously not just for my ISAs, but across the market. Some headline figures, to set the scene for those who haven’t been watching closely (good for you!): Market Representative ETF January Performance All World VWCEContinue reading “S&S ISA Experiment – January 2022”

IRA Contributions in UCITS ETFs through Interactive Brokers

One of my financial experiments for this year was was to use one of the lesser-known options for US citizens abroad to buy index funds – buying a non-US UCITS ETF inside a US IRA. Depending on exchange rates and my employer’s performance, I may also be within touching distance of the Roth IRA incomeContinue reading “IRA Contributions in UCITS ETFs through Interactive Brokers”

Interactive Brokers ISA – A New Option?

I saw on Reddit yesterday that Interactive Brokers now offers an ISA. Potentially, this could be exciting news, opening up a new ISA option for Americans in the UK. Why? Because IBKR is both a) generally very low cost and b) friendly to US citizens outside the US. I already have Roth IRAs with IBKRContinue reading “Interactive Brokers ISA – A New Option?”

S&S ISA Experiment – December 2021

Now that the London market has closed for the year, it’s time for another update on my S&S ISA experiment – no huge changes since September 2021, but good to look back on 2021 and see how it’s gone. Very quick background – because of the PFIC limitations in holding index funds in an ISA,Continue reading “S&S ISA Experiment – December 2021”

Bridging to Retirement – Splitting SIPP & ISA Contributions

Edit 06Dec21: I realized that this is all completely wrong! You can get the same effect, without paying National Insurance, by just putting part of the money to the pension, then taking the 62% hit on the take home cash for an ISA. For example, for £1,000 of pre-tax income, put £475 in your salaryContinue reading “Bridging to Retirement – Splitting SIPP & ISA Contributions”

A Phased Approach to Emergency Funds

In my recent post on my approach to bonds and cash, I mentioned that I don’t have any dedicated emergency fund at all. I know this flies in the face of conventional personal finance wisdom, but I think I’ve got a pretty sound justification. My personal approach is not quite so aggressive as somebody likeContinue reading “A Phased Approach to Emergency Funds”