r/investingUK

Hey guys, I’ve been following FIREUK for a few years as I’ve always been interested in this concept / idea

Context:
I am currently 23 years old, just graduated from uni and going into my Grad Role while living at home with my parents. I wanted some thoughts on my current situation and whether I am in a good position / what else would you do?

I have been investing into my Stocks and Shares ISA since I was 18 years old. Over the years I have managed to build a portfolio of £55,000. (Portfolio ATH was £69,000 a few months ago!)

I have also been maximising my allowance for the Lifetime ISA for my first house. In this account I have £26,900. I live in the East Midlands so property prices here are much less than the 450k limit.

In terms of cash I have roughly £2,000 because I’ve been enjoying my graduation summer being on holiday etc! One thing I can take away from this subreddit is to make sure I’m experiencing life as well as investing for the future - maintaining a stable balance

Summary:
S&S ISA: £55,000
LISA: £26,900
Cash: £2,000
Pension: £5,000

I will be working from September as an engineer. Yearly Income of £36,000 and progresses every 2 years. Within 5 years I suspect I will be on £47,000

This is my salary breakdown:
£1,000 a month into my S&S ISA
£333 a month into LISA
Maximise pension contribution (5% from me will trigger 10% company contribution)
£200 to my parents
£500 to live off - may not need all of this, if so it’ll go towards my holiday money pot

Company gives a yearly bonus of 10% of the salary (+ department / individual performance multipliers)

My parents have always supported me and shown me love over the years. So whilst this isn’t the best financial decision, I would like to give mum and dad £100 each for either their own spending or towards their mortgage

I also tutor as a side hustle, used to bring me in a lot of money during uni but as of now it brings in £150 a month - enough money to pay for my monthly fuel allowance!

This is probably a lot to take in with a lot of unusual cases for example living at home etc so please feel free to ask any questions!

There’s a lot of tough thinking to do here but maybe you guys can help me out.
I can’t help to think that while I’m at home, I will be able to secure a good future / save and invest a lot

I plan to at least live at home for another 2 years while I’m on my grad scheme. After the grad scheme I will be on surplus £42,000 + 10% yearly bonus
In terms of my first property, i would like to avoid using my S&S ISA as I believe this compounding over the years will bring greater returns than using it for my first house

Any advice or guidance would be great. I’m aware that I’m young and have a lot to learn so I’m relying on this great subreddit to help me navigate what is the best way to secure FIRE :)

I’m pretty convinced that the US is due a large correction soon of 30% and possibly more. I’m assuming that politically that Trumps impending exit will be the catalyst- but this is all hypothetical and purely my thesis which I’m committed to and happy for time to prove me wrong. My pension is mainly invested in an all-world index which like most is around 65-70% US companies. I have started to build a roughly 25% buffer into a cash liquidity fund to buy on any pull back. I know historically that time in the market beats timing the market and I still plan to be invested in the market during this time albeit with a cash buffer some of have cash to deploy during a correction (I know timing this comes with a whole set of variables that I’m comfortable with). I wondered if any other had like minded views and if they are making similar plans. I should add that my horizon is 12 years although I’d really love to bring that forward as much as possible

Every month we pull the trailing 1-year total return for every stock in our universe, rank them by market-cap tier, and publish the top performers. No opinions, no "buy this now" — just what actually happened, sorted plainly.

Why we do this differently: Most "top stocks" lists mix timeframes, cherry-pick lookback windows, or bury the methodology. Ours is simple: trailing 1-year total return (price + dividends), split by cap size (large/mid/small), recalculated on the same day every month.

https://www.youtube.com/@Ownfolio?sub_confirmation=1

Hi everyone, I’m completely new to investing and I’m trying to learn how to build a simple portfolio for the long term. I’ve started with a Vanguard global ETF and I’m now looking at things like the S&P 500, semiconductor/AI ETFs and potentially individual companies, but I’m not really sure how to decide what is worth investing in or how much overlap there is between different ETFs.
I’m mainly looking for long-term growth and I’m comfortable with taking a little more risk for potentially higher returns, but I don’t want to do anything unnecessarily risky. I’d really appreciate hearing how more experienced investors approach choosing investments and whether there are any resources or things you think a beginner should learn first.
Also, I’m still learning, so if you reply, please don’t worry about dumbing things down a bit! I’m happy to learn, but I probably won’t understand loads of technical terminology yet

M29, I owe about 3k to my credit card provider 29% APR.

I have investments worth somewhere around 5k:

• ~2.5k in crypto (no realised gains over the past 4 years)
  • 50% in ETH
  • 15% in BTC
  • 35% spread across other alts (xrp, ada, algo)
• ~2.5K in commodities and stock (no realised gains over the past 1 year)
  • 50% in silver
  • 10% in gold
  • 40% across tech and defense stocks

My goal is to create a less risky investment portfolio where I can contribute monthly (I have between 500-1k every month I can put aside) and use it as deposit money in a few years time to buy property.

I am pretty lost and confused so any advice would be greatly appreciated. Thanks

Ownfolio is a portfolio tracker built for people who buy quality companies and hold them — not for people trying to time the next move.

Most portfolio tools are built around signals, alerts, and "sell now" urgency. Ownfolio does the opposite: it gives you clean fundamentals, long-term performance tracking, and a monthly "Top 25" ranking of the best-performing stocks by cap size — all using a disclosed, checkable methodology. No black box, no hype.

Every month we pull the trailing 1-year total return for every stock in our universe, rank them by market-cap tier, and publish the top performers. No opinions, no "buy this now" — just what actually happened, sorted plainly.

Why we do this differently: Most "top stocks" lists mix timeframes, cherry-pick lookback windows, or bury the methodology. Ours is simple: trailing 1-year total return (price + dividends), split by cap size (large/mid/small), recalculated on the same day every month.

Hello everyone,

I've got £14k to begin with. I've been following quietly and also observing, but now, I'm ready to get into it.

What I know thus far:

1. Cash ISA
2. Pies
3. Stocks ISA

I beg your pardon if I got anything wrong above; I'm just starting.

My goal is to have somewhat of a fixed percentage of return per annum.

I'd greatly appreciate any guidance from those more experienced

I live in the UK so looking around I wonder if their are any kinds of investments that the UK specifically can benefit from. If I was in country with consistent sun light like African countries or Caribbean countries I would want to invest in solar energy technologies. In the UK I think that insulation based industries are a good alternative investment based on our energy bills and cold months.

Where are you from and are there any alternative investments you could be specifically beneficial to you based on what you know about your country?

What are people’s feelings towards the newer more modern stock platforms? Does anyone still use traditional platforms like vanguard?

I feel like T212, Lightyear etc are great but encourage constant checking and playing around with.

Does anyone use Vanguard direct for the very reason it’s slow and boring as it can become more of a set and forget?

Did anyone notice they become more regimented and left their investments alone when they stuck with vanguard over more modern platforms?