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How I’d invest £10k in an ISA to make a million by retirement

first_imgHow I’d invest £10k in an ISA to make a million by retirement Click here to get access to our presentation, and learn how to get the name of this ‘double agent’! Rupert Hargreaves | Sunday, 8th November, 2020 Simply click below to discover how you can take advantage of this. Image source: Getty Images Don’t miss our special stock presentation.It contains details of a UK-listed company our Motley Fool UK analysts are extremely enthusiastic about.They think it’s offering an incredible opportunity to grow your wealth over the long term – at its current price – regardless of what happens in the wider market.That’s why they’re referring to it as the FTSE’s ‘double agent’.Because they believe it’s working both with the market… And against it.To find out why we think you should add it to your portfolio today… I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Rupert Hargreaves has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.center_img Our 6 ‘Best Buys Now’ Shares See all posts by Rupert Hargreaves Many investors dream of being able to retire with £1m in the bank. The good news is my figures suggest this is possible with a stringent savings and investment plan. Today, I’m going to explain my strategy to make a million using an ISA for retirement. Make a million At the core of my millionaire-maker strategy is the stock market. Over the past few decades, the stock market has produced an average annual return for investors in the region of 8%. I see no reason why the market cannot repeat this performance in the decades ahead. That tells me stocks could be one of the best assets to own to build wealth in the long term. 5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…In my opinion, owning stocks in an ISA is one of the best ways to hold this asset class. You can only contribute £20,000 a year to an ISA, but its tax benefits more than make up for these limitations. Any income or capital gains earned on assets held inside one of these wrappers doesn’t attract tax. You don’t even need to declare the income on your tax return.Following the recent increase in the dividend tax rate to 7.5% on any dividends over £2k a year for basic-rate taxpayers, these tax benefits could potentially be worth tens of thousands of pounds in the long run. This is why I think an ISA is a perfect tool to make a million. ISA investing To replicate the performance of the stock market over the past few decades, I’d buy a low-cost passive tracker fund. After the initial investment, I’d set up a monthly investment plan to make the most of the wealth-creating power of the stock market in the long run.According to my calculations, £10,000 invested in the stock market at an average annual return rate of 8% could grow to be worth £220,000 after four decades.However, with the addition of an extra £100 a month, the final total could hit £541,000. An additional £200 a month would provide an absolute value of £870,000, according to my calculations. And an extra £300 a month could potentially yield a final investment value of £1.1m. Straightforward process I think these figures show just how straightforward it can be to make a million in an ISA. Even at the higher target of £300 a month, the total outlay is only £3,600 a year. That’s easily under the annual ISA cap of £20k. The £1m nest egg would easily provide enough cash to retire on in comfort. The market’s current dividend yield sits at around 4%. This level of income on a financial nest egg of over £1m could provide an annual income in retirement of more than £40,000 a year. That’s the strategy I’d use to make a million by retirement. Indeed, I already have a regular investment and savings plan in place. All I have to do is make sure the money is available each month, and the market takes care of the rest. There’s a ‘double agent’ hiding in the FTSE… we recommend you buy it! Enter Your Email Address Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee.last_img read more

Hotshot: Ireland U20 hooker Ronan Kelleher

first_img Hotshot: Wasps centre Jacob Umaga Collapse An exclusive Q&A with Wasps centre, Jacob Umaga… Ireland U20 hooker Ronan KelleherDate of birth 24 January 1998 Born Dublin Province Leinster Country Ireland Position HookerWhen did you first play rugby? At about four for Bective. My older brother, Cian, was playing and I got into it.What positions did you play? I was in the backs and slowly transitioned – wing, centre, back-row, then front-row. I’ve been at hooker since I was 16.What do you like about the position? You’re like a fourth back-row on the pitch – you get your hands on the ball and have to be defensively strong.Did you play other sports growing up? Lots – Gaelic football, tennis, basketball. The school I was in, St Michael’s College, is a big rugby school and everyone played, so from the age of six I’d be out playing rugby after school with friends.MORE RUGBY WORLD HOTSHOTS RW VERDICT: A mature prospect. His leadership qualities are evident while he has the perfect mentors in an older brother who is also a pro and the hookers at Leinster. Off the field, he is studying commerce at UCD.This article originally appeared in the April 2018 issue of Rugby World magazine. Follow Rugby World on Facebook, Twitter and Instagram. Hotshot: Edinburgh wing Darcy Graham An exclusive Q&A with Leinster’s up-and-coming wing Jordan… Expand Hotshot: Leinster wing Jordan Larmour What’s been the best advice he’s given you? That you have to back yourself.What Ireland honours do you have? My first interaction was with the U18s when Noel McNamara was head coach and it’s pretty cool that we have the same core group with Noel at U20s. He’s been with us since the start of the journey.What are your strengths? Ball-carrying and defence. Those would be my points of difference and what I try to work on.Do you get to work with senior players at Leinster? I bounce ideas off Richardt Strauss. We train with the seniors two or three times a week. It’s cool to see how they manage their bodies and prepare. There are good learnings I can implement into my life.What are your goals for the rest of the season? Individually, I’d love to get capped by Leinster. That’s a big goal. And come World Cup time to give it a really good crack – we’re in a group with France, South Africa and Georgia. Hotshot: Leinster wing Jordan Larmourcenter_img Up-and-comer: Ireland U20 hooker Ronan Kelleher in Leinster training (Getty Images) Cian is at Connacht now. Has it helped having an older brother follow the pro route? He went to the same school as me and from there went to the Leinster Academy, so I look at his progression and think that’s what I have to do. Find out more about highly-promising Scottish winger Darcy… Hotshot: Wasps centre Jacob Umaga TAGS: Leinster He’s been a regular hooker for Ireland U20 in recent years and you can find out more about Ronan Kelleher in our Q&A LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Expand Hotshot: Edinburgh wing Darcy Grahamlast_img read more