u/ExcellentAnalysis696

I’m 30 and have finally started taking investing seriously. My horizon is around 30 years, but realistically life is long and I’ll probably use some of this money before retirement too. I want a portfolio that I can mostly leave alone, but I also don’t want to sacrifice returns just for the sake of being ultra-diversified.

I’ve gone back and forth between FTSE All-World, the S&P 500 and NASDAQ-100 more times than I’d like to admit.

The conclusion I’ve come to is to make FTSE All-World my core holding and add NASDAQ-100 as my growth tilt, instead of also holding the S&P 500.

The way I see it, this gives me a global core while making a deliberate bet on long-term innovation and growth, without adding another fund that doesn’t really change the overall strategy.

For those of you who have been investing for a long time, does this seem like a sensible balance between a “set it and forget it” portfolio and a more aggressive approach? Or is there a stronger case for keeping the S&P 500 in the mix that I’m not seeing?

I’d love to hear what you would do if you were building a portfolio from scratch today with a 30-year horizon.

This happened 20.05.26 on maple road outside Carole House. A driver hit my partner’s cat and left without stopping. The cat died.

If you were driving or walking in that area around that time and have dashcam footage or saw anything, please DM me. There’s a school right nearby so there may be cameras - I’m already trying to access that footage - but anything else would help.

I found out cats aren’t protected under the Road Traffic Act the way dogs are, which is a disgrace, but if the driver was going too fast or driving carelessly there may still be something we can do.

Just gutted. Any help appreciated.

This is my only way to deal with the grief now.