Should I Stop Investing? £300,000 Portfolio

While this video is asking whether I should now stop investing, a few years in, we really want it to be inspiration for people not yet sure of whether they should start, or who have only recently started and need to know where this journey is heading.

Even though we are both a long way away from our target investment pot sizes of around £1m, once you’ve started to build up a decent sized portfolio you start to have a lot more options than when you had nothing.

We’re going to look at whether hitting the milestone of 1/3rd of your target pot size is good ENOUGH to just leave it to its own devices and let compounding grow the pot to its target size.

With the alternative being potentially decades of diverting your disposable income into investments, is it better to divert your focus away from investing at this point and focus on living life to the max instead? We’ll look at the arguments for stopping, as well as those for why investors might want to stay the course. Let’s check it out!

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[chrisharris]

One of things COVID did was force me to look at my finances in detail, before this I really didn’t pay attention, such a shame. I started by stripping back all the things I really didn’t need (planning for the worse case scenario) and quickly realised I had a lot of extra money. I am now ‘investing’ a lot in a mix of different ways, mainly large pension contributions. Thank you for the channel, it’s great

[Oldgeedayoutuber]

If you want to invest in US listed stocks, which stocks would you choose and why?

[LondonHistory]

Thanks for another relevant and informative video lads

[ladymallowyt]

This video (like all your other videos) was really informative. Congrats on getting a third of the way on your investment portfolio. I'm only at the beginning of my investment journey so I can't really say if I will stop investing or continue

[rosemarywalker]

Great video guys. Makes so much sense. You help us investigate our options in an easy to follow way. Love all your information and offers, great website too! I have learned so much from you both, thank you - dont retire too early please! 😊

[jamesbingham]

I hope in my lifetime I get to meet you both. Solid advice week in week out on this channel.

[ryand]

Hi chaps, you mention how you would invest your equity release cash into property in the other separate video but what about if you were to invest, ask you say, in stocks and shares? would this be through efts or individual stocks? also would you go all in with the 45k or drip feed into efts/s&s? Many thanks

[moray]

When I'm confident that my portfolio will generate enough income for me to live on I will retire. As you said, time is the most valuable thing.

[AnubisOda]

Remember penny sweets? 50p would get you a massive bag of sweets, loved those days. Inflation sucks.

[rosalindcharles]

I’m in a sprint phase now to build that initial pot. Once I hit my coast fire number, hopefully by 2025 as I’m still quite young, I’ll reduce my contributions. I’ll still get that sweet pound cost averaging, but I’ll also get more cashflow to enjoy or invest into smaller projects and businesses.

[jaminns]

I’m looking for an answer to this, run my own business putting £40k pa into my pension as company contribution. Was thinking of just running this for 5 years to £200k input then leaving it to roll till I take out in about 20+ years. My thought was anymore & ill end up being higher rate tax on drawdown. Would it be better to make a pension pot sit just below higher rate tax & then once you’ve hit that region then put the rest of your money into other investments like ISA’s to give you the extra? Also if you run your own business surely you can find a more tax efficient way of extracting money by utilising a business for lifestyle enhancements. Running vehicles, travel etc all through a lifestyle business in later life? I’m not sure I see the point in putting yourself into higher rate tax as a pensioner!

If you don’t have kids then the 4% is out of the window! Surely the goal will be to run a retirement / pension pot to empty in an ideal world!

[Andy-ucju]

I just heard about 'Factor investing' I'm not 100% sure what it means. To me it just feels like allocating more of your portfolio to Small Cap stocks. A video idea mybe if there's more too it.

[charlottephillip]

*Fighting 7.9% inflation (more like 15%) with a 1% Fed funds interest rate is like stopping a forest fire with a bucket of water. Folks prepare accordingly. Make investment in other not to depend on the government for funds.*

[hvybhiw]

Thank you for the video :)
My concern with transferring from my ISA provider to invest engine is that my old provider would sell my holdings when the market is low, loosing money.
But what you said it sounds like I could sell it now for example to avoid a possible drop in the market. Is that correct ?:)

[boombustinvest]

Why not control the level of dollar-cost averaging on the way down though?

[catleo]

But noone is talking about the upcoming CBDC... will portfolios even be around once they switch to the new government-controlled currency? Theoretically, they could block people from investing in the stock market anymore, then what... :s interested in thoughts on this

[garycroft]

Perhaps morbidly to some extent I consider, estate planning and IHT.

You mention stopping at £300k? Well there is some logic in that, presently under the UK IHT a person gets £325k allowance outside of IHT and a further £175k for main home allowance - for a couple this is x2 so a £1m estate and anything above subject to 40% tax - however unlikely you think you are to die how much should you risk HMRC taking any of your estate?

I'm planning on managing mine and my wifes assets (property and ISA's) to this limit, and then using child ISA's and pensions (which we already contribute to).

We are also going to ensure some headroom for LTA on pension - I know some say forget it but I don't want to effectively pay higher rate tax at 55.

When you think about it the maximum wealth (without special measures from financial planners) are about £1.5m individual and £3m couple - this sounds alot but with FIRE that might have to last 40 or even 50 years.

[downshift]

I stopped working at 52 after several years of investing. My intention is to continue building net worth rather than "retiring" in the true sense of the word.

The problem with forecasting from decades earlier, considering coasting, relying on compounding etc is there are likely a number of assumptions taken that probably aren't reliable. You are also likely to have black swan events in the future that can derail your financial plans.

So I see it as a life long activity with the first step being leaving the job / state pension "retirement" culture.... then continuous learning and living below your means.

[peacepage]

Do u think NIO could be the next Tesla? I bought 2100 shares at 20.66 and am up 9%

[dantae]

15000a year would let you live very well in southeast Asia and if you put in some low risk corporates bonds or something like realty income the 4% dividend/ bond interest would mean you never need touch the capital