u/Appropriate_Area3871

Every portfolio I see has the same image underneath it (the one with all assets going down to minus infinity), I don’t see what’s so wrong with a portfolio like that? Surely it’s just a market tracker with a slight preference for a certain subsection of the market or a few specific companies? I feel like it’s a passive way of picking stocks while also being savvy to the general market?

Aside: what’s the benefit to having t212 if only buying vanguard all world? Surely at best it’s the same as buying directly through vanguard? At worst there’s extra arbitrage etc making the deal slightly worse.

I am going on holiday next week and was planning to convert some GBP to EUR in my t212 spending pot to use while abroad. Does anyone have any experience with this and can either recommend or advise against this as a primary payment method abroad (France)?