Neil Invests

Focus your energy on increasing income not returns, it should be on what you're able to achieve with your invested amount rather than worrying on how to outperform and be the best.

Once your strategy is right and well planned out, it's easy to get things working the way you want.

Not sure this is going to fit into the average kid’s £5 a week pocket money budget 😅


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The UK beat the US in 2025 which was the first full calendar year the FTSE 100 outperformed the SP 500 since 2022.

Before that the US had dominated most years.

The FTSE 100 had its best year since 2009 in 2025

Around 70 of global stock markets beat the US in 2025

The all world index still delivered over 20 despite the US lagging

Investors rotated away from expensive US tech stocks into cheaper international markets

UK stocks still trade at far lower valuations than the US market

Being Diversified globally meant better returns again in 2025 after years of US dominance

Let’s go over the basics of how a Stocks & Shares ISA actually works 💷📈

A Stocks & Shares ISA is simply a tax-efficient investment account available in the UK. Instead of paying tax on your investment gains, dividends or interest, everything inside the ISA grows tax free.

You can invest in things like index funds, ETFs, individual stocks and bonds depending on the platform you use. Many people use them for long-term investing because over time, compounding can become incredibly powerful.

Each tax year, you get an ISA allowance which is the maximum amount you can contribute. Once money is inside the ISA wrapper, any growth or withdrawals are generally free from UK capital gains tax and dividend tax.