Kel Galavan

On top of that is deemed disposal.

I would still argue it is worth fighting for yourself.

I would argue it is still worth learning the skill of investing because

You may not have a huge amount of money now, but you don't know in time how your life will turn out.

And I'm talking from experience here because I had the six figures of debt.

And when I did start investing over 20 years ago, I was the person with the 50 euro painfully trying to ring up my guy and say, look, I need to put this on.

And 20 euro went on the cost of actually putting on the trade and the rest was hopefully invested.

You don't have those costs have come down a huge amount now.

So there are savings to be made.

from a platform, from an actual investing perspective.

It is the tax system that is causing the bottleneck here.

There's no correct answer to that.

Damn it.

But what I would say is start where you're starting.

So look, a lot of people might be in the lucky position where they have a lump sum.

And I would say, do your due diligence.

Please do not listen to just a random person on the internet.

Like make sure you understand what you're doing and do not hand your money over to anybody.

You manage it yourself unless they're a regulated entity.

Absolutely.