Instagram story viewer> @prosperity_im> Posts
Prosperity IM(@prosperity_im)'s profile avatar HD Profile

Prosperity IM

@prosperity_im

929
followers
893
following
Driving Forward Your Financial Performance
POSTS STORIES REELS
Champion of the 2026 Porsche Carrera Cup GB 🏆 @callumvoisin delivered when it mattered, Prosperity is proud to have backed him all the way. by @prosperity_im
Prosperity is proud to support @louisfosterr as he closes out his IndyCar season and turns his full attention to 2027. by @prosperity_im
Throwback to my first ever time in a GB4 Car! 🏎️ Have made so much progress since day 1, let’s keep building on this 💪🏼 Massive Thank You to: @prosperity_im @warren_macal Wicked work mate - @arzunexists 🤝 🎥 #gb4 #racing #f4 #racingdriver #abk by @prosperity_im
What investments return and what you actually earn ⬇️ If you hold a collection of funds and assume that is a portfolio, this is worth two minutes. A managed portfolio is not just someone picking your funds. It is a discretionary mandate: a regulated team with the authority to build, rebalance and adjust your investments in real time, against a defined strategy and your personal risk profile, without waiting for you to approve every move. 🧠 The behaviour gap Study after study shows investors underperform the very funds they own, because they buy after good news and sell after bad. Discipline, not stock picking, is where most returns are won or lost. A mandate removes the emotion. ⚙️ What you are actually paying for Systematic rebalancing, access to institutional and clean share classes, tactical shifts between asset classes, and a structure that keeps working while you are at a Grand Prix, in a meeting, or asleep. 🌍 Why busy professionals choose it When your time is your scarcest asset, the question is not can I manage this myself. It is what is the cost of my attention being elsewhere by @prosperity_im
The years you earn the most could be the years HMRC lets you save the least into a pension. ➡️ If you are a high earner in your 30s assuming you will simply max out your pension later, this is the part no one tells you. Most people know the annual allowance is £60,000. Far fewer know it tapers. Once your adjusted income passes £260,000, that allowance shrinks by £1 for every £2 above it, falling as low as £10,000 once you reach £360,000. So the higher you climb, the smaller the door becomes. 🎯 Why it catches high earners The peak earning years are exactly when the allowance is most restricted. People plan to catch up later, then discover the runway was shortest at the top. 🧩 The lever most people miss Carry forward lets you use unused allowance from the previous three tax years, but only if the pension is already in place and your earnings support it. Set up late and that window is already closing behind you. 🛠️ Why it needs planning, not guessing Threshold income, adjusted income, employer contributions and bonuses all interact. One large bonus can quietly tip you into the taper without warning. _____________________________________ At Prosperity, we believe financial freedom looks different for everyone. Our job is to help you find yours. Talk to us via the link in our bio. by @prosperity_im
Risk tolerance is three different things, and confusing them is one of the most expensive mistakes in investing. ➡️ If you have ever ticked a cautious, balanced or adventurous box and thought that was the job done, keep reading. Professionals never assess risk as a single number. They separate three things that most people merge into one. 🧠 Attitude to risk How you feel about volatility. The psychological side, and the part most questionnaires stop at. 💷 Capacity for loss What your finances can actually absorb without derailing your plans. You can feel adventurous yet have very little real capacity, or the reverse. 🎯 Required return The return your goals genuinely need. Sometimes your goals demand more risk than you are comfortable taking, and that gap is the real planning problem, not your personality. When these three disagree, and they often do, that tension is exactly where good advice earns its keep. Near retirement, sequence risk makes it sharper still. _____________________________________ At Prosperity, we believe financial freedom looks different for everyone. Our job is to help you find yours. Talk to us via the link in our bio. by @prosperity_im
While the world watches Le Mans this weekend, here is something worth thinking about away from the track. ➡️ Most British expats have no idea their pension is quietly sitting in the UK doing very little for them. If you have moved abroad and your pension is still back home, here is what is actually happening. Your UK pension does not move when you do. It stays behind. And depending on where you live now, you could be paying tax on it in two countries, losing access to it in a currency that no longer works for your life, and missing the flexibility that modern overseas pension structures offer. 💸 What is the problem? UK pensions were designed for people living in the UK. The tax rules, the currency, and the withdrawal structure are built around a UK-based retirement. If you live in Monaco, Switzerland, or Dubai, those rules are not built for you. 🔄 What can you do about it? For people who have left the UK permanently, there are legal structures that allow you to transfer your pension to where you actually live. The most widely used option for international clients is a Malta-based QROPS (Qualifying Recognised Overseas Pension Scheme). It is HMRC-recognised and built for life abroad. ✅ Does this apply to you? If you are a British national living outside the UK with a pension back home, this is worth understanding. Whether it makes sense to act depends on where you live, the size of your pension, and your long-term plans. — At Prosperity, we believe financial freedom looks different for everyone. Our job is to help you find yours. Talk to us via the link in our bio. by @prosperity_im
Nobody tells you this when you leave the UK ➡️ Your pension doesn’t just wait for you. When you move abroad, three things change – and most people only find out once the damage is done. 1. Tax 💷 Depending on where you live, your pension income can be taxed more heavily than almost any other income you receive. 2. Currency 💲 Your pension pays out in GBP. If you are living and spending in euros, dirhams or dollars, that creates a real and ongoing financial loss. 3. Access ⛔️ The rules around when and how you can draw from your pension can change entirely based on your country of residence. There is an option most expats never hear about: a QROPS (Qualifying Recognised Overseas Pension Scheme). A legal way to transfer your UK pension to an overseas scheme that actually works for your life abroad. It is not right for everyone. But if you have a UK pension and you do not live in the UK, it is worth understanding whether it applies to you. by @prosperity_im
Nobody tells you this when you leave the UK ➡️ Your pension doesn’t just wait for you. When you move abroad, three things change – and most people only find out once the damage is done. 1. Tax 💷 Depending on where you live, your pension income can be taxed more heavily than almost any other income you receive. 2. Currency 💲 Your pension pays out in GBP. If you are living and spending in euros, dirhams or dollars, that creates a real and ongoing financial loss. 3. Access ⛔️ The rules around when and how you can draw from your pension can change entirely based on your country of residence. There is an option most expats never hear about: a QROPS (Qualifying Recognised Overseas Pension Scheme). A legal way to transfer your UK pension to an overseas scheme that actually works for your life abroad. It is not right for everyone. But if you have a UK pension and you do not live in the UK, it is worth understanding whether it applies to you. by @prosperity_im
Most careers last 40 years. Yours might last 10 ➡️ That is not a criticism. It is the reality of professional motorsport - and it changes everything about how you should be managing your money. The peak earning window in racing is roughly 25 to 35. After that, contracts change, opportunities shift, and the sport moves on. Every year you delay thinking about your finances costs you more than it would cost almost anyone else in any other profession. The drivers who are financially secure in their 40s and 50s are not always the ones who had the biggest contracts. They are the ones who started planning while the career was still going. Starting early means: - More time for your wealth to grow 🏦 - A pension that is actually funded before the racing stops 🏁 - Options rather than pressure when things change ⚖️ If you are in professional motorsport and you have not started thinking about this yet, the best time is now. _____________________________________ At Prosperity, we believe your wealth should work just as hard as you do - long after the chequered flag. Talk to us via the link in our bio. by @prosperity_im
Round ✌️ Our drivers @thomas_ingramhill and @archiebullardracing are back on track for round 2 of the GB4 championship this coming weekend. Keep your eyes peeled for the Prosperity logo 👀. by @prosperity_im
Prosperity Investment Management backed driver Louis Foster takes on the 110th running of the Indy500. Wishing Louis and the @rllracing team the best of luck. by @prosperity_im

Download All

Save the photos and videos currently loaded on this page.

0Photos
0Videos
Ready to download 0 / 0

Keep this tab open until your download is ready.
back to up