Only issue is that the top 10 companies are outside of the UK, so you would miss out on a lot of exposure.
I am a brit, but live in Spain - sadly there are no ISA or similar products that allow you to invest anything meaningful annually that is tax exempt.
Kinda miss my UK ISA days 
Itâs just the times we live in that this has gone from personal finance into a play-by-play of the current economic situation, which I donât believe is ideal and may need to be reined in at some point soon.
Regardless, letâs stay away from politics and stick to discussing the consequences of the tariffs (not whether you believe they are justified, not whether theyâre weaponized incompetence or the art of the deal, you get my point).
Itâs a bit tricky to discuss without those things because it very much is politically driven. Thereâs a very strong view with everyone I know that the US is now a much more unreliable partner because of the tariffs, the threatening of allies and so on. Thereâs now a lot more thought into pivoting away from investment, travel and so on as a result. Short term there will be a bounce back as weâre already seeing, but I think this has done a lot of damage long term. People are more questioning if there is so much difference with China and the US in terms of risk/investment and so on.
There has certainly been a pivotal shift in the complexion of how The U.S is viewed by its allies. Not so much these ânegotiations,â more so in the (perhaps naively) presumed schism between The U.S administration and the electorate.
This will inform all of finance, of course.
But this is the Personal Finance Megathread.
Why are some mods + forum members so afraid of political discussion?
Itâs like having that weird aunt over for Christmas dinner and being told by your mom not to say anything political, even if it is just a constructive discussion, as she would get upset.
At the moment personal finance and politics are absolutely linked - and hey, politics seems to be affecting collecting too.
Itâs informative and educational also.
Because of how quickly it tends to descend into unproductive chaos. To be honest, E4 is actually pretty relaxed and very fair compared to other online venues, especially Reddit. Iâm open to be corrected, but I believe itâs been made clear numerous times before that a bit of gentle political discussion is fine as long as itâs in relevant context and not deliberately directed in a way that leads to political debate. Thereâs a difference between talking about the technicalities and implications of political/economic strategy (e.g. Trumpâs tariffs) or referencing political strategy in a broader point, versus just outright stating you think X politician or party is stupid. Iâve been guilty of toeing the line, as have others, but as long as good judgement is used while putting forward ideas, arguments or points, itâs normally fine.
Donât think anyone has called anyone stupid and 99% of discussions here have been tame (some great memes though).
As thatâs the case, I donât see why the reminders are needed - especially as itâs still on topic.
I dunno man, itâs not that big a deal.
Apparently this ended up being basically the most important/relevant point to be raised yesterday 
First and foremost E4 is a Pokemon forum not a political discussion forum. It has been proven time and time again that when politics is brought up, it never ends well. Political discussions almost instantly devolve into arguments, divide members, and distract from what E4 should be. Iâm glad to have at least one place on the internet where people arenât constantly talking about their political opinions.
In some cases political topics like tariffs are so impactful upon the hobby that we have no choice but to discuss them. But, it is very difficult to talk about a topic like tariffs without getting somewhat political. In order to allow discussion to continue, we have to draw a line somewhere. In this case, weâve drawn the line where we should talk about the consequences and developments of tariff policy and not whether they are justified, the strategy (or lack thereof) behind them, or oneâs personal opinion of the politicians involved. I donât blame people for going over the line (I am guilty of it too) because it is inherently very hard to not get somewhat political. This is why nobody has been disciplined over the tariff discussion and all we do is remove posts. Ironically, you likely donât see anything wrong because all the most political posts have been removed by the mods.
Iâm not disagreeing with you.
Just donât think there should be a blanket approach, especially when itâs a healthy discussion.
If there is some discretion, then thatâs good.
Plus we are likely all grown men within a PokĂ©mon forum, but this is in the personal finance thread, so itâs implied itâs not all gonna be PokĂ©mon related?
In an ideal world sure, we would allow political discussion in topics like this as long as it doesnât go âoff the rails.â But then you have an even more unclear line: when is political discussion âhealthyâ and when is it not? This invites even more subjectivity, discretion and inevitable arguments when someone says âwhy was my political post removed but not their political post?â
When you moderate with high levels of subjectivity and discretion, people often feel like they are being singled out or held to a different standard than other people. Regardless of whether this is actually true, the best practice is to have a clear and specified rule for whatâs okay and whatâs not so everyone is on the same page, and thereâs a clear justification for any mod action.
Trying to keep this thread on track, so if you have any further questions, youâre welcome to PM me.
I think a lot of it has to do with US treasuries held by China. Since thatâs now become one of the bigger outstanding issues after the past few days, they are most likely going to continue to dump US treasuries over the next while potentially, and already have been (US Rally at Risk as China May Be Dumping Treasuries).
Yields will generally rise in anticipation of this because the market thinks more debt/dollars returning to US = higher inflation in US = Fed will be forced to maintain and/or increase rates in anticipation of the increased inflation, so this sends yields higher. The USD has also been dumping for weeks due to this as well, and Gold of course has been soaring as a result of all this going on.
This is the trap the US & Fed have been in for the past while, and China has a massive amount of US debt that they can send back to the US by dumping treasuries to attempt to balance/offset the trade/tariff impacts that could come from this current negotiation.
I donât come to e4 to talk about politics. Itâs everywhere else in the world, why bring it to a hobby forum?
People in America can get really passionate about politics, I think the mods are just trying to prevent unnecessary tension in the forum over peopleâs political opinions, letâs just continue the thread and ignore politics, it might be interesting to some people to hear about politics or discuss them but to others it only causes unnecessary stress and anxiety
I had to report a couple of fraudulent charges on my debit card two days ago. I got the replacement via UPS today. I really hate a lot of things about these giant mega banks we have in the US but there are some things they do well.
Whoops, this wasnât intended to be a reply to RabidSquirtle.
You wake up to find that youâve come into $1,000,000. Some aunt you didnât really know left it to you, or you won the lottery, or your sugar daddy is feeling generous, who knows.
You have the option to take the $1,000,000 as a lump sum, or receive $100,000 for the next 10 years. What should you do?
There are many factors that can be considering here, such as:
Once you understand tax implications and what youâd end up with after a lump sum/annual payment, you can assume an average rate of return and calculate out how much money youâd have at the end of each year to see what comes out on top from a pure numbers standpoint.
If this happened to you, what would you do? How would you handle it?
