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  • I currently don't have an ISA or a pension but I do have a place to live that's almost all mine.

    Your eggs bro - look at the one basket they be in.

    Stocks and Shares ISAs are great ways to put your eggs in different baskets easily and cheaply. You don't have to be a guru - Nutmeg will do it for you but charge you a tiny bit for the ease.

    If you lost it all - or even a really significant bit of the return - you'd probably have more to worry about like not having a job, empty supermarkets and the riots on the streets.

    But yeah I get ya it's way too easy to put that shit off in a rising property market combined with good take home pay.

  • Can limited companies take advantage of pensions somehow? ie. company matching employee contributions to reduce tax?

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