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Rising Star

What is a reasonable investment growth % for the next 20 years?
I have 20 years left on mortgage but have come into a windfall.
I modelled 2 scenarios:
1. invest the returns on investing the lump sum (but only the first £20k would be within an ISA of course) then deduct 25% CGT (who knows how high that will be in 20 years)
2. Pay off mortgage (ca £400k) and then invest the foregone mortgage payment (these would mostly be in ISA each year.
Assuming 5% growth these were almost the same after CGT

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4 months

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I would probably do a split strategy. Depending on how much you have.

Pay down mortgage at 10% per year (typical amount before you incur charges).

Put 20k in ISA per year.

Use wife and kids ISA allowances to prevent taxes.

Put any extra into pension up to £60k per year, get tax relief at 40%+ on that its a good way to boost pot. With 25% coming back tax free and rest likely in lower rate of tax.

Short term could get up to £50k per person into premium bonds as winnings (earnings) are tax free.

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4 months

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Rising Star

Continued: I get that investing is thought of as better than paying off mortgage. I know the maths. I’ve studied economics and finance etc.

But the world is looking quite uncertain, the rate of taxes on wealth could (and frankly, should) go up, and I’m a family man so the feeling of having the house would be great.

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4 months

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L.E.K. Consulting 1

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Contribute to pension annually and make your taxable income close to zero using windfall (or salary sacrifice like 50%+ to reduce your income significantly)

Continue paying mortgage and investing into isa as you currently do

1 reactions

4 months

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a People Organizations Consultant 1

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If it’s a windfall without any tax due, invest it. Way more in compound interest than paying off your mortgage.

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4 months

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Accenture 1

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It’s a no brainer: Pay off the mortgage (and any other debt) first, and invest the rest (or buy some gold :-).

4 months

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works at Deloitte

▸ Technology

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Is commute from herndon(near frying pan road) to ft Belvoir or mead or crystal city or DC really bad? I have some offers but from Google maps it says up to 50 mins one way... not sure if it's too much... but the pay is decent
I do have ts sci with ci poly and have Java experience. Ideally maybe Reston, chantilly,herndon, Fairfax best spots...30 min or so commute. Looking around 200

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works at CGI

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I have received offer from accenture but still I am not accept it as my current company's increment letter is due. Is they consider my increment letter and send me the revised offer letter if I accept it now???? Please help me.

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works at Deloitte

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Any idea how much monthly does Landmark pay to BIMTECH MBA students who they recruit for Dubai?

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works at Thoughtworks

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Thoughtworks Hiring!!!

Use Google Form Link (in Comment Section) to send your resume for referral.

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works at EY

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What type of laptops does BDO give in the US ?

2 reactions

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works at EY

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What provider does BDO use for its 401k plan? (Fidelity, Vanguard etc.)

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works at KPMG

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What corporate card does BDO use?

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works at EY

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I am looking to transfer to BDO London from EY. Can you let me know how’s the WLB and compensation for AM please?

3 reactions

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Rising Star

Can biryani be frozen then reheated? I bought some as takeout, but by the time I got it I could only eat three mouthfuls, and now I’m not hungry. Will the rice go bad frozen?

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works at Boston Consulting Group

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BCG folks, I hear rumors of layoffs happening given the slow pipeline. Is it true?

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UGH I need to get to NYC next year , just feeling stuck.

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Anonymous User

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Coach

What books would you recommend for someone wanting to get better at sales?

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works at Accenture

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Hello,
I got offer from IBM for Application Consultant 7B . Can anyone please tell me if I can tell them to give me senior Application Consultant role . Currently working as Application Development Associate Manager in Accenture YOE: 12+ IBM Consulting

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Dad’s thinking of starting a PC Richard & Son franchise. Bad idea?

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works at McKinsey & Company

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Happy friday y’all

10 reactions

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How do you say pizzeria? Pitz-area or pitz-uh-rea. Also state where you’re from!

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Hi all,
How is KPMG India ? Someone reached out for strategy team at Customer & Operations for financial services practice.
I was told they specifically cater to Indian clients.
Please guide me with the following -
What is the traveling expectation, how are the hours, do we need to work on weekends?
How much salary and designation I can expect.
Current Ctc 30L, Infosys consulting, senior consultant. Expecting 10% hike in August/September.
Thanks in advance.

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works at Thoughtworks

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Any data engineers looking for a referral at Thoughtworks?

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Hi, How's EPAM Systems in terms of wlb and work. Thave received an offer from them and would like to know if someone is working in EPAM. Yoe:7 Tech: Java, Springboot, React, Microservices Offer: 23fixed+1 joining bonus cctc: 13 EPAM Systems

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works at Concentrix Daksh India Service Pvt Ltd

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Hi everyone,

I am looking for a job, in operations or project management background.

I have a total experience of 13 years, my last job was an assistant manager with concentrix.

Any help would be highly appreciated.

You can call me at 9632038124 or email me at Naren_306@live.com.

Regards,
Naren Sadarangani

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People who live with housemates / have a garden. Does it get noisy / do you find people in the garden earlier than (we) finish, that distract you from your work?

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works at ZS Associates

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Any info on salary and bonus for A&M corporate transformation services directors? Glassdoor has v wide ranges..

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Expected salary range for a consultant within Monitor Deloitte?

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works at EY

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works at Monitor Deloitte

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Any fish from LEK London willing to refer? Currently interviewing with other top consulting firms in London and keen to pursue LEK
YOE: 6
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Alvarez & Marsal Is 60k a good base for A&M CPI Associate role. Would like 65, is negotiation generally possible? Alvarez & Marsal

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What careers pay the best in the Uk?

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Contribute to pension annually and make your taxable income close to zero using windfall (or salary sacrifice like 50%+ to reduce your income significantly)Continue paying mortgage and investing into isa as you currently do

If it’s a windfall without any tax due, invest it. Way more in compound interest than paying off your mortgage.

It’s a no brainer: Pay off the mortgage (and any other debt) first, and invest the rest (or buy some gold :-).

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Contribute to pension annually and make your taxable income close to zero using windfall (or salary sacrifice like 50%+ to reduce your income significantly)

Continue paying mortgage and investing into isa as you currently do

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