Akshay Bilolikar
@akshayb.bsky.social
YIMBY urbanist, regulatory lawyer
So why are you taxing salary sacrifice pensions then
November 30, 2025 at 2:39 PM
So why are you taxing salary sacrifice pensions then
Hang on isn't there a difference between old tired rolling stock and graffiti? cf central line
November 30, 2025 at 1:56 PM
Hang on isn't there a difference between old tired rolling stock and graffiti? cf central line
because it reduces flexibility, makes it harder to derisk (eg if you're using an ISA to FIRE), and not sure how it's consistent with the principle that only the annual flow is subject to new rules not the existing stock (that last bit is supposition)
November 29, 2025 at 8:36 PM
because it reduces flexibility, makes it harder to derisk (eg if you're using an ISA to FIRE), and not sure how it's consistent with the principle that only the annual flow is subject to new rules not the existing stock (that last bit is supposition)
It's too early to say, but whatever it is it's pernicious imo. I can only hope it's blocked somehow
www.gov.uk/government/p...
www.gov.uk/government/p...
Tax-free savings newsletter 19 — November 2025
www.gov.uk
November 29, 2025 at 5:51 PM
It's too early to say, but whatever it is it's pernicious imo. I can only hope it's blocked somehow
www.gov.uk/government/p...
www.gov.uk/government/p...
they actually can't do this, because the Treasury is going to ban investment in cash-like instruments in the S&S ISA
November 29, 2025 at 3:47 PM
they actually can't do this, because the Treasury is going to ban investment in cash-like instruments in the S&S ISA
there's lots of YIMBY adjacent folk absolutely furious at the Building Safety Regulator
November 29, 2025 at 11:54 AM
there's lots of YIMBY adjacent folk absolutely furious at the Building Safety Regulator
Got it, thanks. Given that trusting adults to inform themselves and make decisions accordingly is the premise of a liberal society, I'm very supportive of improving financial education. That would have been a better move imo than tinkering with ISA rules
November 29, 2025 at 11:52 AM
Got it, thanks. Given that trusting adults to inform themselves and make decisions accordingly is the premise of a liberal society, I'm very supportive of improving financial education. That would have been a better move imo than tinkering with ISA rules
Separate point, but what's the basis for 'most people don't have 5 GCSE passes'? It looks like only about 30% of people in England and Wales don't have Level 2 (defined as 5+ GCSE passes) as their highest qualification level but I might be misreading www.ons.gov.uk/peoplepopula...
Education, England and Wales - Office for National Statistics
Usual residents aged 16 years and over who have academic, vocational, or professional qualifications, as well as the number of schoolchildren and full-time students, Census 2021 data.
www.ons.gov.uk
November 29, 2025 at 11:31 AM
Separate point, but what's the basis for 'most people don't have 5 GCSE passes'? It looks like only about 30% of people in England and Wales don't have Level 2 (defined as 5+ GCSE passes) as their highest qualification level but I might be misreading www.ons.gov.uk/peoplepopula...
I tihnk Plum offer thisin the UK
November 29, 2025 at 11:18 AM
I tihnk Plum offer thisin the UK
i'm sorry, this discussion is deeply infantilising. a bond is literally not a hard concept to understand. at some point, you do just have to say 'take five minutes and google it'
November 29, 2025 at 11:16 AM
i'm sorry, this discussion is deeply infantilising. a bond is literally not a hard concept to understand. at some point, you do just have to say 'take five minutes and google it'
or ask an LLM to summarise it, tbh
November 29, 2025 at 11:12 AM
or ask an LLM to summarise it, tbh
anyone reading this thread and looking to learn more should read Common Sense on Mutual Funds by John Bogle imo
November 29, 2025 at 11:11 AM
anyone reading this thread and looking to learn more should read Common Sense on Mutual Funds by John Bogle imo
isn't GBR supposed to fix this
November 29, 2025 at 11:08 AM
isn't GBR supposed to fix this
there are plenty of people in London, who vote Labour, who don't get a personal allowance. and you can say 'tiny violin' all you like, but this group already pays a disproportionate amount of tax and receive 0 public services in return. I think that's a politcial problem for Labour!
November 29, 2025 at 11:06 AM
there are plenty of people in London, who vote Labour, who don't get a personal allowance. and you can say 'tiny violin' all you like, but this group already pays a disproportionate amount of tax and receive 0 public services in return. I think that's a politcial problem for Labour!
yes, or even just a SONIA tracking money market fund (depends on how soon you need the money)
November 29, 2025 at 11:04 AM
yes, or even just a SONIA tracking money market fund (depends on how soon you need the money)
There is *a lot* of devil in the anti-circumvention rules the Treasury set out yesterday (about holding cash or cash-like instruments in a S&S ISA)
November 29, 2025 at 11:02 AM
There is *a lot* of devil in the anti-circumvention rules the Treasury set out yesterday (about holding cash or cash-like instruments in a S&S ISA)
that's fair, which is why the government's move to reduce flexibility is so bad imo
November 29, 2025 at 11:00 AM
that's fair, which is why the government's move to reduce flexibility is so bad imo
But if you are in your 30s you have time to ride that out
November 29, 2025 at 10:53 AM
But if you are in your 30s you have time to ride that out
There’s also a widespread belief imo that it’s not necessary to learn. One I think is wrong, I should add.
November 28, 2025 at 7:55 PM
There’s also a widespread belief imo that it’s not necessary to learn. One I think is wrong, I should add.
suspect employers will either scrap salary sacrifice as an option or cap their contributions (/ reduce such cap)
November 26, 2025 at 9:20 PM
suspect employers will either scrap salary sacrifice as an option or cap their contributions (/ reduce such cap)
Thanks, I'll read.
November 25, 2025 at 8:59 PM
Thanks, I'll read.
The jury determines questions of fact, some of which are inherently uncertain (eg reasonableness), as guided by the judge. I don't see how a judge is better able to play that role. I'm open to changes to the structure of court proceedings to ensure the jury's role is adequately constrained.
November 25, 2025 at 8:52 PM
The jury determines questions of fact, some of which are inherently uncertain (eg reasonableness), as guided by the judge. I don't see how a judge is better able to play that role. I'm open to changes to the structure of court proceedings to ensure the jury's role is adequately constrained.