I really like VOW as it’s a household name in the motor industry. Has been for almost a century and likely will be for much longer. I’m struggling to understand the issue with the stock price and why more people aren’t the same. Call me naive, I understand balance sheets and the previous emissions scandal but I cannot see a world where this stock doesn’t make it back to €150 minimum.
Anyone else the same?
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.
I’m a UK law firm partner age 40 and have neglected my pension since making partner 5 years ago. I only have £100K in my pension and recently transferred from HL to T212. Im going to start making contributions of £1,500 per month. I’m minded to put it all in VWRP as I don’t plan on taking it till I’m 60. I appreciate it’s at al all time high and that it’s quite US weighted but am I being dumb or missing a trick by going with this approach? Thanks!
Very happy with the results. It triggers me that I did not start earlier but better late than never.
I'm a bit worried that only €20,000 is covered by insurance (EU). If something goes wrong, that doesn't seem like much protection, especially for people with larger balances. Am I overreacting, or does anyone else see this as a significant risk? Why did you pick T212 over IBKR?
Hi everyone,
I know I’m late to the investing party but was wondering if I could get some advice on where to look for information on how to invest and how to determine what would be a good investment.
I believe I’m literally the first in my family to try this so I can’t really turn to anyone in my family or even friends.
Any help/advice/reading material would be greatly appreciated.
Thank you.
Is it just me that deletes the app hoping to reinstall it after a couple months but you can’t go 2 days without it? I’m gonna try and hold off the urges to download it and just leave it for a couple months. Maybe hit the gym if my gains are down in T212 and my gains are up in the gym, I see that as a win. Anyone else do this or have something to sort the urges? 😂
Have only started investing a year ago with a goal of a mortgage free life with early retirement (currently 28). At what point (isa value 1.5x,2X the mortgage pay off amount) is it good to pay off the mortgage?
Plan to increase contributions when mortgage free, and won’t be in the position to do this for at least 15 years probably.
I’m not looking to maximise everything more like when do you start using the gains to make you life more comfortable
Started investing in march. Any tips/advice would be good especially regarding things like other ETF’s and gold.
I am aware of the overlap that the All World and the EQQQ has, that AMD is in both of these, and it’s heavily USA focused. This is a risk I’m willing to take.
My reason for choosing AMD for my single stock is mainly because I’ve used their graphics cards and CPU’s for years and they have always treated me well, and believe they will continue to go far as a company.
I’m skeptical on AI, and think that the tech sector might suffer periodically down the line. But I won’t be selling for 40+ years to come.
Also don’t intend to buy any other individual stocks at this time.
Hi I have a SIPP with T212 just curious if anyone has recieved any tax relif payment yet - been a month and a bit since I deposited and still not had anything I know it takes 6 - 11 weeks just curious and would like to see what a payment looks like. Thanks
Swing trade
Or dca in the long run? Individual stocks
Dca in etfs
What will make more money? My time horizon is 4-5 years
This is to get me started. Looking to top up etfs £300-500 monthly with 30% in stock as well.
I normally keep around 10k in my SNS ISA as cash. (i max my allowance each year so this is purely to take advantage of market dips, while earning a little interest).
As ive selected interest to be earned, and with this 10k being held in QMMF's. Does this get around the 22% grab on interest from cash held from next year?
Been investing since mid May 2026.
Has been up and down, most I’ve been up like overall 15% and currently down like a few % overall.
Plan to hold for 4 years and sell to buy a house.
What do u think.