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  • Can I ask a question. I had a good H1 and want to do something useful with the bonus (c £20k). I currently pay £500 per month into a Nutmeg ISA and started it with £3k. So I have £11k left for this year's allowance? I can't really pay more per month than I currently am for now but where there's a will there's a way.

    I have 2 BTC which I bought aaaages ago but don't want to do anything like that. I'd describe my appetite for risk as medium - high . I would like to use this pot to do something like a loft extension within the next 18months.

    Should I just pony up for a IFA or can a bunch of random internet bikers help me out?

    (n.b mentioned numbers to help people with context not meant to come across as a dick)

  • Should I just pony up for a IFA or can a bunch of random internet bikers help me out?

    An IFA should pay for itself - but the trick is finding a good one. I’ve never got very far on that.

  • At the end of the day the client pays for everything. Whether it's direct to an Ifa or through fees that the company charges later.
    The key to long term investing is minimising expenses.

  • I should also have said I want a stress free option. I've started a business on the side of working an already relatively stressful/long hours job. I want to put my money somewhere and earn more than a bank/under my mattress.

    Or should I put it all into my pension and not pay tax on it?

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