System
BL // JARVIS
Module
Savings
Sync
6 MAY 2026
Total Reserves
£46,830
CMD
Holiday · Savings · Investments · Commission
Savings
LIVE · 6 MAY 2026
Total Reserves
£46,830
Holiday + Savings
Holiday Fund
£7,064
Current balance
Savings
£39,766
Current balance
Investments
£132,723
T212 portfolio
Mortgage Buffer
£1,095
Healthy
· surplus £595
Credit Card Buffer
£1,268
Watch
· surplus £268
Commission Pipeline
£71,630
Four quarters total
Pension Allowance
£19,000
Used this FY
JARVIS · Daily Brief
Total reserves at £46,830, Sir — holiday fund £7,064, savings £39,766. Commission pipeline showing £71,630 across four quarters. Mortgage buffer healthy at £1,095; credit card buffer watch at £1,268. All systems nominal.
◆ Current Balances
Holiday Fund
£7,064
Trading212 Holiday
£7,064
3.80%
Savings
£39,766
Zopa
£1,306
2.95%
Nationwide
£1,600
6.50%
Cahoot
£36,860
4.31%
Investments
£132,723
Trading212 ISA
£98,966
Trading 212
£0
Trading 212 EL ISA
£33,757
◆ Commission-Driven Projections
Holiday Fund
Jun 26
£12,064
+£5,000
Sep 26
£13,564
+£1,500
Dec 26
£13,564
+£0
Mar 27
£17,064
+£3,500
Savings
Jun 26
£53,266
+£13,500
Sep 26
£55,766
+£2,500
Dec 26
£55,766
+£0
Mar 27
£65,146
+£9,380
Investments
Jun 26
£147,223
+£14,500
Sep 26
£149,723
+£2,500
Dec 26
£149,723
+£0
Mar 27
£157,223
+£7,500
◆ Commission Pipeline
Jun 2026
£43,250 expected
HOL
SAV
INV
MTG
CC
HOL £5,000
SAV £13,500
INV £14,500
MTG £1,000
CC £4,250
Pension: £10,000
Sep 2026
£9,000 expected
HOL
SAV
INV
MTG
CC
HOL £1,500
SAV £2,500
INV £2,500
MTG £1,000
CC £1,500
Dec 2026
£0 expected
Mar 2027
£29,380 expected
HOL
SAV
INV
MTG
CC
HOL £3,500
SAV £9,380
INV £7,500
MTG £1,000
CC £3,000
Pension: £10,000
Full Year · £71,630 across all quarters
12%
CC
13%
HOL
35%
SAV
34%
INV
4%
MTG
◆ Buffer Accounts
Healthy
Mortgage Buffer
Current
£1,095
Required
£500
Surplus
£595
2.0 months
of cover above requirement
Watch
Credit Card Buffer
Current
£1,268
Required
£1,000
Surplus
£268
0.3 months
of cover above requirement
◆ V1 Investment · Return Scenarios
2× Return Scenario
£44,202
Post-tax return in GBP
Gross return (€)
€57,216
Converted (GBP)
£49,412
Post-tax
£44,202
Return %
+78.9%
Mortgage offset (Jan 2028)
£117,298
2.5× Return Scenario
£62,979
Post-tax return in GBP
Gross return (€)
€85,824
Converted (GBP)
£74,118
Post-tax
£62,979
Return %
+154.9%
Mortgage offset (Jan 2028)
£98,521
Investment Amount
£24,706
€28,608 at 0.8636
Mortgage Reference (Jan 2028)
£161,500
Used as offset benchmark
◆ Pension
Annual Allowance
£60,000
Used This Year
£19,000
Remaining
£41,000
Carry Forward
£145,364
Mar 2026
£10,000
Gross contribution
Net cost: £5,000
Jun 2026
£10,000
Gross contribution
Net cost: £5,000
Sep 2026
—
No contribution
Dec 2026
—
No contribution