u/Roland_Gropper

Is there anything more I should be doing? I hear mixed opinions that people my age should be taking more risk and investing in individual stocks for bigger returns but not sure how much time commitment is needed to research etc. is 100% VWRP optimal? My stocks ISA is in VWRP and Invest account in VWRL.

For context, I live with parents (minimal expenses) and a degree apprentice QS. The money in my Invest account will be moved into the stocks ISA next year, following a bed and isa approach, as I've maxed out my ISA for this year already. Every month I plan to put around £1k a month into my Invest account, then move into the stocks ISA until I've no longer got anything in my Invest account - just so I have time in the market. I have an emergency fund of a few thousand so just trying to be as aggressive as I can with front-loading money into investments now that I'm young.

On a compound interest calculator, I use an average real return of 5% a year. Is this considered low?

I just did my AncestryDNA test and found out I'm part of the Indentured Indian Diaspora in Guyana. I'm from the UK so I'm interested in learning more where others are from as this ethnicity seems to be quite niche (all Indians I know aren't Indo-guyanese)