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<h1 class="archive_title headline">Finumus</h1>
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<h2 class="headline"><a href="https://monevator.com/pensions-and-inheritance-tax-rugged-by-reeves/" rel="bookmark">Pensions and Inheritance Tax: Rugged by Reeves</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2025-01-09">January 9, 2025</span>
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<p>Think the changes to pensions and IHT are mere details? Think again!</p>
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<h2 class="headline"><a href="https://monevator.com/a-speculative-education-members/" rel="bookmark">A speculative education [Members]</a></h2>
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<span class="post_author_intro">For </span><span class="post_author byline-restricted">MOGULS </span> <span class="post_date_intro">on</span> <span class="post_date" title="2024-11-21">November 21, 2024</span>
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<p>The road to degeneracy is paved with lucky lessons…</p>
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<span class="bracket">{</span> <a class="num_comments_link" href="https://monevator.com/a-speculative-education-members/#comments" rel="nofollow"><span class="num_comments">33</span> comments</a> <span class="bracket">}</span>
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<h2 class="headline"><a href="https://monevator.com/passive-investing-edge-and-market-efficiency-winners-need-losers/" rel="bookmark">Passive investing, edge, and market efficiency: winners need losers</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2024-09-19">September 19, 2024</span>
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<p>Don’t beat yourself up…</p>
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<h2 class="headline"><a href="https://monevator.com/fire-in-the-hole-members/" rel="bookmark">FIRE in the hole [Members]</a></h2>
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<span class="post_author_intro">For </span><span class="post_author byline-restricted">MOGULS </span> <span class="post_date_intro">on</span> <span class="post_date" title="2024-06-27">June 27, 2024</span>
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<p>The traditional way of gearing up to invest by running a mortgage is riskier than you think…</p>
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<span class="bracket">{</span> <a class="num_comments_link" href="https://monevator.com/fire-in-the-hole-members/#comments" rel="nofollow"><span class="num_comments">20</span> comments</a> <span class="bracket">}</span>
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<h2 class="headline"><a href="https://monevator.com/decline-and-fall-of-a-buy-to-let-empire/" rel="bookmark">The decline and fall of a buy-to-let empire</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2024-04-30">April 30, 2024</span>
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<p>Greedy landlord gets his comeuppance?</p>
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<h2 class="headline"><a href="https://monevator.com/which-investment-platform-do-i-use-and-why/" rel="bookmark">Which investment platform do I use and why?</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2024-01-05">January 5, 2024</span>
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<p>You’ve heard of the weeds? Let’s get into them.</p>
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<h2 class="headline"><a href="https://monevator.com/reducing-lifetime-portfolio-risk-with-leveraged-etfs-members/" rel="bookmark">Reducing lifetime portfolio risk with leveraged ETFs [Members]</a></h2>
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<span class="post_author_intro">For </span><span class="post_author byline-restricted">MOGULS </span> <span class="post_date_intro">on</span> <span class="post_date" title="2023-09-28">September 28, 2023</span>
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<p>Dumb leverage can blow you up. Smart leverage reduces risks.</p>
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<span class="bracket">{</span> <a class="num_comments_link" href="https://monevator.com/reducing-lifetime-portfolio-risk-with-leveraged-etfs-members/#comments" rel="nofollow"><span class="num_comments">8</span> comments</a> <span class="bracket">}</span>
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<h2 class="headline"><a href="https://monevator.com/investment-costs-how-low-can-we-go/" rel="bookmark">Investment costs: how low can we go?</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2023-05-04">May 4, 2023</span>
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<p>Flee those fees</p>
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<span class="bracket">{</span> <a class="num_comments_link" href="https://monevator.com/investment-costs-how-low-can-we-go/#comments" rel="nofollow"><span class="num_comments">72</span> comments</a> <span class="bracket">}</span>
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<div id="post-72016" class="post_box grt">
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<h2 class="headline"><a href="https://monevator.com/pensions-and-inheritance-tax/" rel="bookmark">Pensions, the LTA, and IHT: how a middle-class couple can bag £360,000 for free</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2023-03-23">March 23, 2023</span>
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<div class="post_content post_excerpt">
<p>Has your pension just become the ultimate estate planning vehicle for the wealthy masses?</p>
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<span class="bracket">{</span> <a class="num_comments_link" href="https://monevator.com/pensions-and-inheritance-tax/#comments" rel="nofollow"><span class="num_comments">91</span> comments</a> <span class="bracket">}</span>
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<h2 class="headline"><a href="https://monevator.com/family-investment-company-frequently-asked-questions-the-fic-faq/" rel="bookmark">Family Investment Company: Frequently Asked Questions (The FIC FAQ)</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2023-02-02">February 2, 2023</span>
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<div class="post_content post_excerpt">
<p>Can setting up a Family Investment Company reduce your dividend tax bill – and even if it does, is it worth the extra hassle and costs?</p>
</div>
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<div id="post-69304" class="post_box grt">
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<h2 class="headline"><a href="https://monevator.com/greedy-buy-to-let-landlord-or-mortgage-prisoner/" rel="bookmark">Greedy buy-to-let landlord or mortgage prisoner?</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2022-12-08">December 8, 2022</span>
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<div class="post_content post_excerpt">
<p>If you want to be a rapacious landlord in London these days you’ve got your work cut out…</p>
</div>
<span class="bracket">{</span> <a class="num_comments_link" href="https://monevator.com/greedy-buy-to-let-landlord-or-mortgage-prisoner/#comments" rel="nofollow"><span class="num_comments">51</span> comments</a> <span class="bracket">}</span>
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<div id="post-67422" class="post_box grt">
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<h2 class="headline"><a href="https://monevator.com/dont-currency-hedge-your-equity-portfolio/" rel="bookmark">Don’t currency hedge your equity portfolio</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2022-09-29">September 29, 2022</span>
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<div class="post_content post_excerpt">
<p>After decades of working in financial markets I just can’t think of GBP as real money at all.</p>
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<div id="post-63974" class="post_box grt">
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<h2 class="headline"><a href="https://monevator.com/student-loan/" rel="bookmark">The student loan: how the government provides low-cost career insurance to graduates</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2022-05-23">May 23, 2022</span>
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<div class="post_content post_excerpt">
<p>The Finumus household is enjoying its first interaction with the student loan scheme in 30 years.</p>
</div>
<span class="bracket">{</span> <a class="num_comments_link" href="https://monevator.com/student-loan/#comments" rel="nofollow"><span class="num_comments">30</span> comments</a> <span class="bracket">}</span>
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<div id="post-60177" class="post_box grt">
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<h2 class="headline"><a href="https://monevator.com/defi-down-the-decentralized-finance-rabbit-hole/" rel="bookmark">DeFi: down the decentralized finance rabbit hole</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2022-01-31">January 31, 2022</span>
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<p>There are lots of new ways to make money in whatever crypto is right now. Which means lots of new ways to lose it too…</p>
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<div id="post-57774" class="post_box grt">
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<h2 class="headline"><a href="https://monevator.com/oops-ive-gone-over-the-pension-lifetime-allowance/" rel="bookmark">Oops! I’ve gone over the pension Lifetime Allowance</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2021-10-18">October 18, 2021</span>
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<p>Sometime back in the 1990s I began putting all my earnings above the higher-rate tax threshold into my pension.</p>
</div>
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<div id="post-56949" class="post_box grt">
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<h2 class="headline"><a href="https://monevator.com/should-you-borrow-to-fill-your-isa-each-year/" rel="bookmark">Should you borrow to fill your ISA each year?</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2021-08-16">August 16, 2021</span>
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<p>Even on a good middle-class income, it’s not easy to fill your ISA. </p>
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<span class="bracket">{</span> <a class="num_comments_link" href="https://monevator.com/should-you-borrow-to-fill-your-isa-each-year/#comments" rel="nofollow"><span class="num_comments">35</span> comments</a> <span class="bracket">}</span>
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<div id="post-56071" class="post_box grt">
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<h2 class="headline"><a href="https://monevator.com/its-too-late-to-get-into-buy-to-let/" rel="bookmark">It’s too late to get into buy-to-let</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2021-06-23">June 23, 2021</span>
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<p>You’re 27 years too late to the party…</p>
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<h2 class="headline"><a href="https://monevator.com/do-you-have-an-investing-edge/" rel="bookmark">Do you have an investing edge?</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2021-04-22">April 22, 2021</span>
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<p>Investing edge is (mostly) a fantasy concocted by people that (mostly) don’t have it, in order to make you pay.</p>
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<h2 class="headline"><a href="https://monevator.com/the-secrets-of-the-isa-millionaires/" rel="bookmark">The secrets of the ISA millionaires</a></h2>
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<span class="post_date_intro">on</span> <span class="post_date" title="2021-03-25">March 25, 2021</span>
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<p>The platforms would have you believe nearly anyone can become an ISA millionaire. What do you think?</p>
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