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How I plan to invest £300 a month in UK shares for a passive income of £20k

first_img Harshil Patel | Tuesday, 24th November, 2020 Everybody has different financial goals. Some are looking to supplement their pensions, some to retire a little earlier than they otherwise could. And some aim to create enough passive income to retire very early. Any of these goals can potentially be achieved by investing in UK shares.The full UK State Pension currently provides just £175.20 per week of retirement income. That’s £9,110 annually. The age at which individuals can claim their state pension is currently 66 and is set to rise to 68 between 2044 and 2046.5G 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…Rising life expectancies combined with a smaller working population are likely to add pressure to State Pension funding. This could result in a further rise in the state pension age.I’d rather not have to rely on the state in my retirement. To provide an additional passive income for life, I’ll need to build a suitably-sized investment pot. I plan to do so by investing in a selection of good-quality UK shares.How much to invest?First I’d need to calculate how much passive income I’d need. As an example, let’s say I require £20,000 per year. Next, I’d estimate when I want to start withdrawing an income from my investment. As an early investor, I assume I have 35 years before I want to supplement my pension.I calculate that I’d need a total investment pot of £500,000 to be able to withdraw a £20,000 income. This is calculated using a commonly used safe withdrawal rate of 4% — that is, the maximum a retiree can withdraw every year without running out of money.Although £500,000 may seem like a large amount, when I have many years for my investment to grow, one might be surprised how small an investment is required. My calculations suggest that I’d only need to invest £300 per month to reach this goal.To reach this figure, I assume my investment in suitable UK shares achieves the long-term average stock market return of 7% per year. However, I believe that by learning more and investing wisely, it’s possible to return a far greater return. I’d say that an annual investment return of 10%-15% is quite achievable.Over a long period like 35 years, the magic of compounding really can significantly enlarge the total investment pot. For example, at a 10% annual return, the investment pot could grow to over £1m instead.Or put another way, it would be possible to build a £500,000 pot eight years earlier. Thus enabling me to have a £20,000 passive income in 27 years instead of 35 years.How UK shares can boost investment returnsUK shares include companies of varying types and sizes. I’d say it’s worth considering diversifying investments across small-cap, mid-cap, and large-cap stocks.By researching UK shares in sources such as The Motley Fool, I like to find companies that demonstrate growing earnings, a strong return on capital, stable cash flows, and a resilient balance sheet.Stable and established large-cap stocks might include Persimmon, Unilever, and Diageo.Growing mid-cap stocks could include Volex, Yougov and Strix.And cheap small-cap stocks might include Sylvania Platinum, Somero Enterprises, and SCS. Our 6 ‘Best Buys Now’ Shares Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! “This Stock Could Be Like Buying Amazon in 1997” How I plan to invest £300 a month in UK shares for a passive income of £20k Enter Your Email Address I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool.center_img Harshil Patel owns shares in Strix Group, Persimmon, Volex and YouGov. The Motley Fool UK has recommended Diageo, Somero Enterprises, Inc., and Unilever. 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. See all posts by Harshil Patel Image source: Getty Images Simply click below to discover how you can take advantage of this. 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. 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

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Hot New Jewelry Trend: Cool Vintage Classics

first_imgHome of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena 7 recommended0 commentsShareShareTweetSharePin it HerbeautyThese Are 15 Great Style Tips From Asian WomenHerbeautyHerbeautyHerbeautyYou Can’t Go Past Our Healthy Quick RecipesHerbeautyHerbeautyHerbeauty6 Fashion Trends You Should Never Try And 6 You’ll LoveHerbeautyHerbeautyHerbeautyBohemian Summer: How To Wear The Boho Trend RightHerbeautyHerbeautyHerbeauty10 Most Influential Women In HistoryHerbeautyHerbeautyHerbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeauty Subscribe First Heatwave Expected Next Week EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Community News A vintage Marquis cut diamond, yellow gold brooch and 14-karat gold cross circa 1890 available at Single Stone, Mission St., San Marino More Cool Stuff faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Gorgeous model Noelle Reno talked to Vogue magazine recently about her absolute faith in the trend toward vintage looks.“Vintage is the best way to capture one’s own unique style,” Reno said. “The craftsmanship and authenticity of one-off items means you never chance anyone wearing the same item – so it’s the easiest way to make an outfit pop. Also it’s a long-term investment as key vintage items can be handed down and retains – or even increase – their value.”At Single Stone on San Marino’s Mission Street, where Reno’s words ring true as gold (and silver!), owner Corina Madilian stocks enchanting vintage pieces from the 1920’s, 1930’s and 1940’s.• Vintage Marquise cut diamond set in a Platinum vintage setting. Circa 1920.• 14kt yellow gold Victorian cross, with pearl accent on yellow gold filled chain. Circa 1890.• European cut diamond center with 0.95cttw of old European cut diamond accents set in a 14kt yellow gold vintage brooch. Circa 1930.The boutique invokes the comfortable and cozy atmosphere of a ladies lounge while showcasing some of the most eminent designers in contemporary jewelry.The boutique offers its own unique designs, while also carrying notable designers Temple St. Clair, Gurhan, Irene Neuwirth, Elena Votsi, and Stephanie Albertson.Single Stone on Mission Street is located at 2527 Mission Street. San Marino, call (626) 799-3109 or visit www.singlestonemissionstreet.com. Community News Name (required)  Mail (required) (not be published)  Website  Top of the News Your email address will not be published. Required fields are marked * Fashion & Style Hot New Jewelry Trend: Cool Vintage Classics By BRIAN CHANCE Published on Tuesday, May 8, 2012 | 3:57 pm Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Business News Make a commentlast_img read more

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Wenger confirms Arsenal interest in Lyon star Grenier

first_imgArsene Wenger has confirmed Arsenal’s interest in Lyon star Clement Grenier.The midfielder, a product of the club’s youth academy, has represented France at Under-21s level and featured regularly for his side throughout the 2012-13 Ligue 1 season.Wenger has admitted that the Gunners are monitoring the 22-year-old, who has drawn comparisons to Samir Nasri from the Emirates Stadium boss.“We are following him,” Wenger told Telefoot. “His intelligence of play pleases me. He has interesting qualities. He reminds me of Nasri.”The Arsenal boss also once again denied that he has had any contact with Paris Saint-Germain over the possibility of replacing Carlo Ancelotti in the summer.He added: “PSG never offered me the manager job. [Club president Nasser] Al-Khelaifi didn’t contact me. “In a year? You must accept the idea that a coach who is named will continue the year after. This is how it works in football.”last_img read more

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Five persons including civic volunteers killed in Balurghat road mishap

first_imgBALURGHAT: Five people, including three civic volunteers were killed, when a loaded truck hit a roadside tea stall on morning Monday. The incident took place on National Highway No. 512 at Gangarampur about 48 km from here. Two people were also injured in the incident.The deceased were identified as Binay Haldar (45), Nimai Roy (54), Tofajjal Mian (27), Ayan Das (23) and Prakash Barman (31). The injured persons were admitted to Malda Medical College and Hospital as their condition was critical. The police said civic volunteers Prakash, Tofajjal and Ayan were posted in the area for night patrolling. They were all the residents of Gangarampur. Also Read – Bengal family worships Muslim girl as Goddess Durga in Kumari PujaPolice investigation is on in the case. The driver of the truck escaped from the spot immediately after the incident. A search warrant has issued against him. According to an eye-witness, the incident took place around 3 am while the truck coming from Balurghat rammed the tea-stall and crashed the deceased on the spot. The owner of the stall managed to survive. Locals rushed to the spot and informed police. Police later had rescued the bodies of the deceased and sent them for post-mortem at Balurghat district hospital. Two injured people were referred to Malda. Also Read – Bengal civic volunteer dies in road mishap on national highwayPrimary investigation reveals that the truck was moving at a high speed and perhaps the driver lost control while crossing Punarbhaba bridge. The driver fled the spot leaving his vehicle. “This was an example of reckless driving. We are trying to nab the driver to know what exactly had happened. Four people died on the spot and one succumbed injuries before reaching hospital. The injured ones have admitted to Malda. They have been struggling to save lives there till the last report came in,” said a police officer. There was huge traffic congestion after the accident. Normalcy was however restored after one hour following police intervention.last_img read more

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