u/woah-I-Had-Mustard7

I’ve finally decided to bite the bullet, and withdraw a chunk from my savings and invest into an s&s isa. I’ve spent the last few days trying to decide how to allocate my investment, mostly from Reddit and other forums.

I’ve seen few posts/replies on this sub from some folk who clearly seem a lot more knowledgeable than I am about this, so happy to hear any insight.

These are what I have my eyes on at the moment, I know there’s some overlap but remember im a beginner so I’m happy to hear any pros/cons anyone is willing to shout out. I’d prob be looking to pick 3/4/5 that make the cut.

VWRP Vanguard ftse all world

VUKG Vanguard uk100 ftse

S&P 500 (VOO or VOOG- would love some comments regarding these)

Eqqq/ cnx

Msci

QDVE

3 options I’m considering,

1. 50% into VWRP, and the remaining 50% split equally among the rest.

2. equal split between them all.

3. equal split between them all, with another percentage kept behind for individual company stocks. (So If I go with 4 from above, then 20% each and the last 20% kept for anywhere from 1-4 stocks that I may chop and change, and generally play about with)

Thanks!

Posted a letter today 1st class signed for. I remembered it being £2.80 or so, and was quite surprised when I was told the price was £5.30. Oh well. I paid and left.

Got back and had a look at the prices online, and I should have been charged £3.80 as the letter weighed 0.025kg and was a standard envelope. Years ago i would have just let these sort of things go, but in my old age ive reached the point where i just won’t stand for it any more. I don’t know if it was just a simple mistake, or maybe done deliberately to earn a higher percentage from RM (I’ll be honest and admit I don’t know know how these things work) but I’m really not happy about it.

The complaint and clams page on RM’s site doesn’t having anything relating tho this. Is there anyone I can directly lodge a complaint with over this?