Mar 28 • General discussion
Complete Investing – Newsletter #10
Crypto Clarity and how I'm using Crypto to maximize tax free investing....
Big Picture First…
Tuesday (March 17th) might go down as one of the most important days in crypto history…
And most people have no idea what just happened.
If you’re a crypto investor — you need to be paying attention.
Because after years of confusion, lawsuits, and uncertainty…
We finally got clarity.
The Crypto Update (What Recently Happened)
The SEC and CFTC have just released landmark guidance on crypto.
And here’s the key takeaway:
Most crypto assets are NOT securities.
Let that sink in.
After years of pressure on the industry, regulators have now:
- Introduced clear categories like: Digital commodities Digital tools Stablecoins
- Confirmed that only a small portion falls under securities
This is a massive shift in how crypto is viewed.
Why This Is So Important
If crypto had been classed as securities…
- Staking wouldn’t work
- DeFi wouldn’t work
- Most of the industry wouldn’t exist
But now?
It’s effectively been given a green light.
And here’s the crazy part…
This is happening before the Clarity Act is even passed (this is ongoing over in the U.S. and hopefully it will be passed before the end of April)
The Market Right Now (The Opportunity)
Here’s what makes this even more interesting…
- Sentiment is still low
- The market still feels bearish
- Most people have checked out
But fundamentally?
This is the strongest setup crypto has ever had.
We now have:
- Better regulation
- Institutional interest
- Clear frameworks
Even if we see more volatility short term because of the conflict in Iran and the conflcit between Ukraine and Russia (and obviously Trump and his tariffs and his tweets….).
The foundation being built right now is awesome and most people have no idea whats coming in crypto – in my humble opinion..
The Bigger Lesson (From Experience)
I’ll keep this simple…
Since 2019, I’ve invested every single month:
- Through COVID
- Through inflation
- Through wars
- Through uncertainty
And that consistency is what changed everything for me.
From a £20k overdraft…
To £400k+ in assets. I recently done a video on this on YouTube @completeinvesting. I have no ideas whats coming short term (no matter what the charts experts try and tell me) – but I do know that LONG TERM investing works.
The lesson?
You invest anyway. You don’t wait for perfect conditions.
Your £20,000 ISA Allowance
This is where I want you to really focus.
Because this is one of the biggest missed opportunities in the UK.
Most People Are Wasting Their ISA
Let’s be honest…
Most people either:
- Don’t use it
- Use it badly
- Or underestimate how powerful it is
But a Stocks & Shares ISA is:
A tax-free compounding machine
Every year you get:
- £20,000 allowance
- Zero capital gains tax
- Zero dividend tax
And if you don’t use it?
You lose it forever.
Why This Matters More Than You Think
Let’s keep it simple…
If you invest consistently over time:
- You benefit from compounding
- You avoid tax – which in the UK is huge because of the current government (again just an opinion)
- You accelerate wealth building massively
The wealthy don’t just focus on returns…
They focus on tax efficiency. That’s why Im going to be thinking long and hard about what to do in my ISA for the rest of 2026 – I might go with 4-5 stocks or I might go all in on Bitmine. I talk about index investing a lot and I do think there important – but with many years of experience I’ve earned my right to risk – and for the rest of the year I’m going higher risk.
The Biggest ISA Mistakes I See
If you want an edge, avoid these:
- Treating it like a savings account→ It’s long-term investing, not short-term safety
- Trying to time the market→ Most people end up never starting
- Not using the allowance→ This is the biggest mistake
- Overcomplicating everything→ You don’t need 20 stocks
The Simple Strategy That Actually Works
This is what I follow:
- Invest monthly (DCA)
- Focus on growth assets
- Keep fees low
- Think in decades
Simple. Boring. Effective.
If your just starting out – I feel it’s best to go with global index funds. But we’re all different. Put the work in – and invest dependent on your risk tolerance and your goals.
How I’m Personally Using My ISA Right Now
This is where things get interesting.
I split my strategy into two parts:
1. Core Investments (Stability)
- Index funds
- Broad market exposure
- Long-term compounding
This is mainly what I’ve got up to this point.
2. High-Conviction Themes (Growth)
Two areas I’m heavily focused on:
Artificial IntelligenceCrypto (indirect exposure)
As I said, in 2026 I’m going higher risk.
Important: Crypto Inside an ISA
You can’t hold crypto directly in a UK ISA…
But you CAN invest in:
- Crypto-related companies
- Infrastructure plays
- Bitcoin-exposed firms
Giving you upside while staying tax-free.
So if you want exposure to Bitcoin you can invest into Microstrategy.
If you want exposure to Ethereum you can invest into Bitmine.
Just 2 examples to potentially consider.
Let me know what your doing inside your ISA for the rest of 2026…
My StrategyIn 4 Lines
- I invest monthly
- I hold long-term
- I ignore short-term noise
- I focus on where the world is going
SUMMARY
Short term?
Nobody knows what happens next. LITERALLY NO ONE.
But long term?
This could be the moment everything changed.
- Crypto is getting clarity (it got a bit of clarity a few weeks ago and hopefully the CLARITY ACT is passed over the next few weeks)
- Markets are still early
- And your ISA is sitting there waiting to be used
AND IF YOUR INTERESTED I'VE JUST PUBLISHED A QUICK 5-MINUTE MARKET UPDATE VIDEO ON YOUTUBE @completeinvesting
Hope you all have an awesome weekend!
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Complete Investing – Newsletter #10
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