I'm an Isa millionaire: Here are my 最高の，を越す tips for building a chunky 税金-解放する／自由な マリファナ
Becoming an Isa millionaire might seem 広範囲にわたって out of reach.
It is a 比較して 排除的 club still, with just a few thousand select 投資家s having amassed a 税金-解放する／自由な マリファナ of cash 価値（がある） over £1million.
Indeed, there are 25 Isa 投資家s in the UK who have built up an 普通の／平均（する） fortune of £11.6million over a 34-year period, a Freedom of （警察などへの）密告，告訴（状） request from wealth 経営者／支配人 RBC Brewin イルカ recently 明らかにする／漏らすd.?
Our reader has amassed over £1m in his Isa マリファナ over a number of years - he 株 his tips
Most have been 投資するing since Isas were first introduced 25 years ago - and into Peps before that - with savvy choices in 選ぶing the 権利 投資s.
Our reader, Mr.H - who wishes to remain 匿名の／不明の - is one of the lucky but clever few with an Isa 価値（がある） over £1million.
Below, he 株 how he became an Isa millionaire and his 最高の，を越す tips for 増加するing your マリファナ.
How to become an Isa millionaire?
Mr. H 令状s... it should be recognised that an Isa is just a part of a 慎重な approach to life/money 管理／経営.
The reality is anyone can 改善する their 財政上の position by thinking long-称する，呼ぶ／期間／用語. All you have to do is spend いっそう少なく than your earn and 投資する the 黒字／過剰 wisely.
The 'wisely' bit means 避けるing 確かな losses such as that 申し込む／申し出d by cash Isas.?
These rarely, and then 一般に only for short periods of time, 保護する against インフレーション. And the 構内／化合物 影響 of a return below the 率 of インフレーション erodes the value of 貯金 horribly.
A 決定的な cog is to 避ける, but don't 避ける 税金 - that's where self 投資するd personal 年金s and Isas come in.?
There are?VCTs and EIS, but unless you're really 豊富な and very knowledgeable, you are probably best advised to give these a 行方不明になる. And 回避 will see you 罰金d or 刑務所，拘置所d.
明確に it helps to have a reasonably good income to 基金 貯金. I 嫌疑者，容疑者／疑う many Isa millionaires 一般に had some form of 味方する-hustle to 生成する cash when young at least, unless 首尾よく self-雇うd or 上げるd by 相続物件.
I also 嫌疑者，容疑者／疑う most are 慎重な in general 財政上の 管理／経営 and will likely have a Sipp or other 年金 準備／条項s.?
Indeed most 熟考する／考慮するs 示唆する that a Sipp will give a better long-称する，呼ぶ／期間／用語 結果 with like sums committed, by way of the 税金 救済. That much more so for a higher 率 taxpayer.?
There is a price to 支払う／賃金 for this in loss of 柔軟性.
Mr H has shunned 'unnecessary' fancy cars and expenses and has a 12 year old car?
財政上の prudence 含むs making sure one can 基金 the 十分な Isa allowance (probably best after 年金 基金ing) and that is where the 'spend いっそう少なく' part comes in.
I have lived reasonably 井戸／弁護士席 I think, travelled 広範囲にわたって and followed an 利益／興味 in theatre with hundreds of shows over the years, run 帆船s and powerboats and given generously to godchildren, for whom I have opened Sipps, not Isas, and charities.
I always challenge 支出s to make sure I get best value-for-money. Not always the same as 'cheapest'.?
I am perplexed at the sums people waste on things like 交替／補充 cars, and a continual 再生利用するing of new kitchens, bathrooms, carpets, furniture and so on.
My car is 12 years old and will be changed if/when it wears out ? ありそうもない in my lifetime as it has only done 75,000 miles and has a corrosion warrantee to 30 years.?
Will I be 運動ing at 88? Debatable.
The last car was getting tatty at 13 years and 200,000+ miles, during which period I had accrued £2,000/year for its 推定する／予想するd 交替／補充.?
I live in a の近くに of houses built c.30 years ago and I have been here 28 years.
Some of my 隣人s are on their third or fourth kitchen and second or third bathroom having had a succession of new cars. Why? They are no better fed, cleaner or more 動きやすい than am I.
By the time Peps were 合併するd with Isas my Pep was 価値（がある） about £66,000.?
This was a 穏健な 業績／成果 I think and certainly not helped by one 投資 in 大西洋 Computers going 破産した／（警察が）手入れする in 1990.
There is always that 危険 with 選び出す／独身 companies, but one should 解任する that if you 投資する (say) £10,000 all you can do at worst is lose £10,000.?
However, in contrast a 類似の sum 投資するd in Dechra 製薬の c.2005 産する／生じるd a payout of eighteen times the input. Upside is 制限のない.
Halma has been a ten-bagger, too, though you would have lost money on it if 投資するd in September 2021.
いつかs things get over-valued and it is time to get out... but making that call 正確に isn't 平易な.
E.H. tells would-be 投資家s to 投資する as much as they can into their 在庫／株s and 株 Isa
My eight 最高の，を越す tips
1. If you can, max-基金 each year in a 在庫／株s and 株 Isa?
This is 供給するd you have considered your 年金 position first.?
2. Build up some deposit 貯金 outside a 在庫／株s and 株 Isa??
This is so you don't 結局最後にはーなる in a 解雇する／砲火／射撃-sale when the market is off. You need more as you get older.
3. Don't panic when markets 落ちる?
This is a long-称する，呼ぶ／期間／用語 game and they will come 支援する ? unless Putin goes 核の or 中国 ends up in open 衝突 with the US… Your Isa will be the last thing to worry about. In either 事例／患者 we'd be in so much bother that an Isa would be the last thing to worry about.
4. Diversify by class of 投資 and 地理学
It is 平易な to be overweight UK by way of home bias ? and I am 有罪の of that to a degree and I 嫌疑者，容疑者／疑う it has held me 支援する.
5. 含む／封じ込める costs by 支払う／賃金ing them from outside the Isa?
Why erode the money you have put in a 税金-解放する／自由な 環境 by 支払う／賃金ing costs from within, if you can 支払う／賃金 from without? This makes a big difference over time.
6. Don't 投資する outside your 技術 remit. If you're knowledge light consider trackers?
However, they now have a 目だつ place in the market and it is possible that they may create 泡s by continued buying 要求するing continued buying.?
Be aware of the dangers. Some are ひどく committed to tech, which while it has played out 井戸／弁護士席 to date, might not continue to do so 無期限に／不明確に.?
7. Don't be a total skinflint
Before spending money on anything discretionary, ask yourself the question ? do 現実に need this? Balance this by doing the things you really want to do… and don't be a skinflint!
8. Educate yourself on 財政上の 事柄s
Read and educate yourself about 財政上の 事柄s. I am a better 投資家 through this than I was 34 years ago. Or I think I am.
Experienced 投資家s only...?
In my 見解（をとる） it may be best to become at least mildly knowledgeable before 開始するing and use 活発に managed 部隊 信用s, selected from the upper quartile of performers over one, three, five years in their 部門.?
Data is 利用できる from many sources and ratings by Morningstar are useful but not conclusive.?
If わずかに more aware consider selective use of the often but not always better-成し遂げるing 投資 信用s, but make sure you understand the volatility 衝撃 of 企て，努力，提案/申し込む／申し出 spreads.?
Individual 株 are high 危険 and better sui ted to experienced 投資家s only. They form 15 per cent of my 全体にわたる 投資s, and I know what I am doing…. most of the time.
Finally, be aware of 'get rich quick' 計画／陰謀s. If something sounds too good to be true and/or you are 圧力d to do something now, think twice. And on the third thought walk away.
All the above has worked for me.?I am an Isa millionaire, though with わずかに over the 普通の／平均（する） rather than the £11.6million of a megastar...
