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And if so what big 'mag 7' would survive it? I know the world indexes eventually do recover but do you have a backup plan?

There are a lot of bubble fears currently and no one knows if or when it will pop. But any advice on this scenario such as what stop limits to set if at all?

Guys im nearly done saving my emergency fund of 10k (yes thats my emergency number) once im there i can to go all in on an ETF for the long term

The thing is i am completely torn between VALL & VWRP

Yes i am aware of the differences, i know this is attractive to me as a new investor.

I basically plan on putting 1k a month into either VALL OR VWRP for decades, hence why this feels like a big decision to me,

Also got £250 spare to research some individual stocks i believe in, been researching rolls royce and still believe in blue chip stocks like the the mag 7 pie.

But my priority is choosing which ETF

I know we cant predict the future, but i of course want to maximise my gains, easy option i believe is VWRP as its established.

What are you guys thoughts? What are you doing?

Excited to start this journey !

I currently have a plan on 90% in VWRP and 10% in AVSG which I believe to be intended to pick out the more valuable small caps so have this separate.

I have thought about a few options with the new VALL ETF and interested on what people think is a good option in the poll.

Is it recommended to

- sell all existing and keep VALL only to keep one investment
- start contributing to VALL in new deposits but keep what I have already invested.
- continue my original plan and deposit to my current investments

View Poll

I’ll be earning around £5,000 a month and have very low monthly expenses, so I’ll be able to save a large percentage of my income.
What’s the smartest thing to do with it? Should I max out a Stocks & Shares ISA, invest in index funds, pay more into my pension, save for a house, or something else?
I’d appreciate any advice from people who’ve been in a similar position.

M(26)

A little below medium income in Germany.

Through the last 3 years I've been investing, saving, working, refusing myself in experience and luxury stuff.

-My friends were laughing at me for not spending money, not taking vacation, expensive tech, going out to restaurants.

- My family thinks I am a degenerate for investing all my money in stocks (Soviet Union background)

And now, I finally hit 100k Eur.

Only my family knows about this milestone, but I have such an urge to share it with my friends.

It feels like no one can appreciate how much discipline it requires to achieve something like that in 3 years.

Thank you for being around, without you guys, I would feel very lonely.

VWRP on steroids.

When I first started investing I wanted to make the ultimate version of VWRP. A global ETF pie which covers EVERYTHING globally. Let me know what you think. I'm a British investor, so I'm working with whats available on T212.

So I have VWRP at around 50 - 60% of the pie, supplimented with the following:

VFEG - Most economists agree emerging markets will flourish of the next 5 - 10 years, so only having 10% in VWRP isn't enough to capitalise on this.

WLDS - world small caps. Since VWRP covers large and medium cap markets, we need something to track small markets too.

IWFV - many huge companies are occasionally under valued, this ETF covers those companies.

SGLN - finally, physical gold. This is a little controversial as its been a shitty hedge so far this year, but last year when vwrp was in the red, this baby would light up like a bright green Christmas tree. Another hedge could be global bonds - VAGS, but bonds don't seem to be operating too well, up until recently that is.

This build last year gave me a 24% return, maybe I was just lucky?

What’s a financial lesson you learned later in life that you wish someone had explained to you in your 20s? It could be about saving, investing, spending habits, or any money mistake that taught you something valuable

Share the lesson you wish you had known earlier.

Hi guys.

Currently have £15K in ACWI (set and forget for next 30 years).

Given the drop in the VWRP fee is it worthwhile putting my funds in there instead or not?

I have no investments elsewhere.

Many thanks

Twice this morning the price has blown through my set orders. By like 3% and not triggered them...

If you could give someone in their 20s just one piece of investing or personal finance advice, what would it be, and why?

It could be something you wish you’d learned earlier, a mistake you made, or a habit that has had the biggest impact on your finances.

I’m interested in advice on investing, saving, budgeting, careers, debt, taxes, or anything else you think every young adult should know.

Hi everyone. I recently started growth investing and the way I understand it, gains/losses that you see on your portfolio at any given time are, to a certain extent, fictitious… seeing as that value can drop/increase massively from one day to another due to a variety of geopolitical and socioeconomic factors. The only time you actually make money, or lose money, is the moment in which you close your position (First, please let me know if I’m looking at this incorrectly).

In light of this, I’m curious to know what your end goal is. In other words, what will cause you to liquidate your positions and move onto another investment vehicle or purchase? For example, is it when you hit a certain growth %, a certain portfolio value, a particular time in your life (e.g. wedding, retirement, kids, etc)…?

If you are growth investing, you have to sell sooner or later to realise your gains (right?), and I want to prepare for that day in my future. Although I enjoy seeing my portfolio grow, I also want to create income streams that produce cold hard cash that I can use to support myself, enjoy life, and not be so entirely dependent on a salary. So, my initial thought regarding my endgame was: build up my portfolio to the point where I have enough capital to buy a studio flat in my area in cash (roughly £300k), liquidate my positions, buy a flat to rent, and then with that rental income stream I will have cash on hand to support myself but also resume investing for the next set of future goals.

What is your endgame? When you are ready to liquidate and enjoy your returns, what will be your next step? Another investment? (If so, which?) Or simply liquidate to enjoy it via personal purchases, travel, etc?

afternoon guys,

Looking for some advice/guidance on what to do.

I read today that Vanguard are reducing the fees on their FTSE all world ETF, making it cheaper than Invesco's version. I currently have most of my portfolio in the Invesco version but I'm not thinking I'll switch to investing into the vanguard variant.

Is there any need/reason to sell my Invesco ETF shares and put all that money into vanguard?

I know I'd loose the growth data displayed in the app from my longer held position in Invesco. Wondering if there are any actual practical differences?

(Update: As of 28 July, Vanguard’s FTSE All-World will be reduced to a 0.14% fee. Announced the day I wrote this and somewhat answering the concluding question - “not very long at all”.

In April, Xtrackers launched a FTSE All-World ETF (ALLG) at the low ongoing fee of just 0.12%. But they quickly slashed this to 0.07% when BlackRock launched their own iShares version at exactly the same 0.12%.

So why isn’t everyone already holding it?

The obvious objections

There’s no distributing version, which rules it out instantly for anyone who needs income paid out rather than reinvested. It’s also young and comparatively small, with £59m in assets still a fraction of an established giant like VWRP.
That newness comes with a practical wrinkle too. ALLG samples a smaller number of holdings than its bigger rivals, rather than owning the full index outright. In theory, that’s a bigger drag on tracking accuracy.

Except it doesn’t seem to matter

Here’s the twist. Over the last three months, ALLG has tracked VWRP just as tightly, despite VWRP holding roughly twice as many underlying stocks. Fewer holdings, same result. If that pattern holds as the fund scales up, the “sampling” concern starts to look more theoretical than real.

A market running out of room to cut

What’s really striking is what happened once ALLG’s fee cut landed. Priced identically at launch, iShares is now stuck at nearly double the cost of the fund it was matched against, and the growth numbers show it. ALLG has gone from around £30m to £59m in AUM in just a few weeks, while iShares has stalled at £22m. It looks like the price cut is doing exactly what you’d expect and money is following the cheaper fund. At this level of maturity, a few basis points is the entire pitch.

That’s the real story here. Fully global index investing increasingly looks solved at the 0.06 to 0.07% price point. Amundi’s PACW matches ALLG’s 0.07% fee while still offering a distributing version and emerging market exposure, tracking a Solactive index built along similar lines to MSCI ACWI/FTSE All-World. If you’re happy to skip emerging markets entirely, UBS’s MSCI World funds (WRDA/WRDD) undercut everyone at 0.06%. And if you just want the US, State Street’s SPDR S&P 500 trackers go as low as 0.03%, with both distributing and accumulating versions available.

The stragglers

This makes the pricing at the other end of the market look increasingly hard to justify. Invesco’s FTSE All-World charges 0.15%, more than double ALLG. Vanguard’s version comes in even higher at 0.19%, nearly triple. These aren’t niche or specialist products; they’re the same index, the same coverage, at two to three times the cost.

The question this raises

If a single-country S&P 500 tracker can be had for 0.03%, and a full global tracker for 0.07%, what exactly are Invesco and Vanguard’s fees still paying for? Brand recognition and fund size clearly count for something, but with iShares already staggering behind a rival that just cut its price by more than 40% in response to being matched, how much longer can a 0.15 to 0.19% fee survive in this market?

Just wanted to quickly mention that today I've had basic rate HMRC tax relief (25%) credited to my SIPP for contributions I made into it during May and up to 6 June. This is of course both expected and comforting to see since the SIPP is newish. I've more due next month (I expect it will again be just after 21st August).

Also good knowing that since I'm a higher rate tax payer, I'll have another 20%+ amount for this due later direct from HMRC. They've already started to positively amend myself tax code perhaps instead of a lump sum.

For anyone who is investing in the S&P in Ireland what do you think of the 38% tax on gains. I’m planning to start investing on trading 212 for the long term but finding out this tax every 8 years has made me question if it is still safe to do so.

I was wondering if the share lending is only effective on some small companies that everyone expects to go down or if you ever get yield on "safe" big companies.

Also who are those shares lent to? Since you can't short normal stock shares within invest or ISA T212 accounts (as far as I am aware), is this lent to CFD traders? Or is this used within some bigger structure with IBKR or other banks?