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Simple Investing Guide To FIRE. What the UK Early Retirement Community Knows That Most Investors Don't. A UK Guide. (en Inglés)
Stuart Welch
Simple Investing Guide To FIRE. What the UK Early Retirement Community Knows That Most Investors Don't. A UK Guide. (en Inglés)
Stuart Welch (Autor) · Huttons Publishing · Tapa Blanda
Quedan 54 unidades
$ 363.30Simple Investing Guide To FIRE. What the UK Early Retirement Community Knows That Most Investors Don't. A UK Guide. (en Inglés)
Stuart Welch
Simple Investing Guide To FIRE: What the UK Early Retirement Community Knows That Most Investors Don't. A UK Guide Kindle Edition by Stuart Welch (Author) Format: Kindle Edition Part of: Simple Investing (7 books) See all formats and editions
Here is something nobody tells you about financial independence. It is considerably simpler than the industry would have you believe.
Most people in this country will work until they are told they can stop. Not until they want to stop. Until the government, or their employer, or their failing knees make the decision for them.
A growing number of people have decided they're not particularly interested in that arrangement. The movement is called FIRE - Financial Independence, Retire Early - and for the last decade it has been dominated by American voices talking about American accounts, American taxes, and American healthcare. Almost none of it applies to anyone holding a British passport.
This book is the corrective.
Written by someone who spent twenty-five years inside the industry
Stuart Welch's career took him from Chartered Accountant to Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing and Advice at Fidelity International. He knows exactly what the industry understands about building wealth for early retirement - and how little of it ever reaches the people who need it most.
What's inside
Your FIRE number - the specific, calculable figure that represents your financial finishing line. Most people have never worked it outNot one FIRE, but many - Lean, Fat, Barista, Coast, Slow. Which version you're aiming for shapes every decision that followsThe UK difference - why the NHS is one of the most valuable components of your FIRE plan, and why American FIRE writers would be quietly envious if they knew about the ISAThe wrapper hierarchy - ISA, SIPP, and GIA in the right order, with the tax relief fully capturedThe 4% rule, properly applied to UK investors - why the American number is slightly wrong for a British retirement, and what to use insteadThe engine room - why a single low-cost global index fund, held for a long time, beats almost every sophisticated alternativeThe savings rate secret - the variable that matters more than your salary or your investment returnsWhen the market drops (and it will) - the psychological preparation that separates investors who stay the course from those who sell at the bottomThe tax trap nobody warns you about - the £10,000 MPAA, the 60% marginal band, and the drawdown sequence that quietly saves tens of thousandsCoast FIRE - the quiet milestone that arrives considerably earlier than the full number, and changes everything about the journeyThe state pension as a structural plan component - worth the equivalent of £313,000 in invested assets, and routinely treated as a footnoteThe decumulation phase - because the saving part, hard as it was, turns out to have been the easy bitWhat nobody tells you about actually retiring early - identity, structure, purpose, and the surprising difficulty of spending money you spent a decade accumulatingThe simple plan - start this week - ten steps, executable in a weekend, that put the strategy into motionThe principles are not complicated. Spend less than you earn. Invest the difference in a low-cost global index fund, inside a tax-efficient wrapper, at the highest savings rate you can sustainably maintain. Leave it alone. Repeat until work becomes optional.
This book is how you actually do that, in the UK, without needing to translate from somebody else's financial system.
Start building toward the day the morning alarm doesn't matter.
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