System BL // JARVIS
Module Savings
Sync 2 MAY 2026
Total Reserves £46,830
Holiday · Savings · Investments · Commission
Savings
LIVE · 2 MAY 2026
Holiday Fund
£7,064
Current balance
Savings
£39,766
Current balance
Investments
£132,165
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
Good morning, Sir. Your overall savings position remains robust at £46,830 in liquid reserves, with a further £132,165 deployed in investments and £145,364 queued in pension contributions—a solid foundation. The commission pipeline stands at £71,630, which would meaningfully strengthen your position should it materialise, though I'd recommend treating it as upside rather than certainty. Your safety buffers are adequate but not luxuriant: the mortgage buffer sits at £1,095 with a modest £595 surplus, while the credit card buffer of £1,268 carries £268 above requirement—both functional, neither concerning. Systems nominal, all datasets current.
◆ Current Balances
Holiday Fund
£7,064
Trading212 Holiday
£7,0643.80%
Savings
£39,766
Zopa
£1,3062.95%
Nationwide
£1,6006.50%
Cahoot
£36,8604.31%
Investments
£132,165
Trading212 ISA
£98,504
Trading 212
£0
Trading 212 EL ISA
£33,661
◆ 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
£146,665 +£14,500
Sep 26
£149,165 +£2,500
Dec 26
£149,165 +£0
Mar 27
£156,665 +£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
£44,142
Post-tax return in GBP
Gross return (€)€57,216
Converted (GBP)£49,343
Post-tax£44,142
Return %+78.9%
Mortgage offset (Jan 2028)£117,358
2.5× Return Scenario
£62,892
Post-tax return in GBP
Gross return (€)€85,824
Converted (GBP)£74,015
Post-tax£62,892
Return %+154.9%
Mortgage offset (Jan 2028)£98,608
Investment Amount
£24,672
€28,608 at 0.8624
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