Thereās a limit of Ā£2000 per year for salary sacrifice from April.
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Better to do the defense ETF than individual stocks as theyāve been all over the place in recent years.
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April 2029
I am unfavourable here but I donāt believe tax avoidance schemes should exist - why pay tax on it later when we need it now?
Scrap them all, the Ā£2k cap is a good start, but also remove it for those paying funds elsewhere to not pay higher tax or gain access to the benefits system. 
Trouble is that new schemes are being advertised all the time. As one loophole closes another one is exploited. There is a whole business of people selling these schemes to people that are happy to take the risk
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Yeah very much in disagreement here especially as there is taxation that could be levied that doesnāt hit workers. I feel enough of my pay packet is eaten up by taxes and basic living costs. No way am I willing to pay more tax to prop up things like the triple lock. While that exists there is zero support from me in terms of levying more taxes on workers.
I imagine my resistance to the triple will make more unpopular thoā¦ 
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I have mine held in a Weekly Paying ETF thatās linked to the price of US Treasury Bonds.
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True, but the laws should change and everything but the max matching employer/employee pension % is post tax, that solves some of it, and then no tax back on SIPPs and stuff save paying it later down the line.
The rich could also be taxed, along with the corporations who pay very little tax here.
Yeah, a defense ETF that I they were talking about I the Boring money email today.
Iāll look into a few of the ETFās on T212 later. My stocks for today at least performed well
Youād be surprised how long it can take to implement changes in tax law
Only because someone hasnāt got the front to change those laws too
Thereās not enough backbone in government, the people will moan but the people will also move on from it.
We already have a very progressive tax system - ie the rich already pay disproportionately more than lower earners
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It will be interesting to see whether the proposed changes to salary sacrifice actually happen.
There will likely be a general election leading up to when they kick in and all governments want to be popular with voters.
On the separate subject of defence stocks, some of the YouTubers are commenting that, that ship as sailed. ie the best growth in those stocks has been had already. Not sure if thatās true or not
While this may be true, itās not really apples for apples. This particularly isnāt one of my strong subjects and itāll probably show here.
We have ~6.5 times more people than Sweden for example, and they have a better standard of living than us here in the UK.
We need to do better to live better, those %pts arenāt really working for us.
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For anyone new to investing i would recommend you start here.
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Never heard of them before but I love the look of their UI. I take it you would recommend? Iām not a fan of trading 212ās clutter!!
Donāt forget youāre currently seeing a version of the app which is about to be rolled back to the previous (better) version any day now.
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That means no more pension schemes or ISAs which are both tax avoidance schemes.
Triple lock is definitely unaffordable in the long term. However, in the short term, it is just getting our pensions more comparable to whatās paid out elsewhere. Donāt forget that those benefiting from it paid into the system for 40 or 50 years. They are former workers.
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Very nice app but you canāt buy fractional shares with puts me out the picture 