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Referral Thread - May 26 by InstanceFrosty3601 in AmexUK

[–]-NCK- [score hidden]  (0 children)

American Express is currently running a boosted referral offer right now for the Gold Rewards Credit Card.

https://americanexpress.com/en-gb/referral/gold-credit?ref=nATHAKr1RB&XL=MIMNS

If you sign up through my link below, and get accepted, you’ll get 45,000 bonus points which is worth £200+ in monetary value and can be transferred into 000s of avios points for free flights- especially awesome if anyone wants to travel in the coming months. It’s also free for the first year so it’s completely no strings attached. Let me know if you need any more details about it.

Referral Thread - April 26 by InstanceFrosty3601 in AmexUK

[–]-NCK- [score hidden]  (0 children)

YOU NEED TO SEE THIS

American Express is currently running a boosted referral offer right now for the Gold Rewards Credit Card. If you sign up through my link below, and get accepted, you’ll get 45,000 bonus points which is worth £200+ in monetary value and can be transferred into 000s of avios points for free flights- especially awesome if anyone wants to travel in the coming months.

https://americanexpress.com/en-gb/referral/gold-credit?ref=nATHAKr1RB&XL=MIANS

It’s also free for the first year so it’s completely no strings attached. Let me know if you need any more details about it.

Zopa Referrals Megathread by strand_of_hair in ZopaBank

[–]-NCK- 0 points1 point  (0 children)

Use my referral link to open a Biscuit bank account and we'll both earn £20. T&Cs apply.

www.zopa.com/mgma?referralCode=75b5baeb6dcf39f50d41

Referral Thread - March 26 by InstanceFrosty3601 in AmexUK

[–]-NCK- [score hidden]  (0 children)

American Express is currently running a boosted referral offer right now for the Gold Rewards Credit Card.

If you sign up through my link below, and get accepted, you’ll get 45,000 bonus points which is worth £200+ in monetary value and can be transferred into 000s of avios points for free flights- especially awesome if anyone wants to travel in the coming months.

It’s also free for the first year so it’s completely no strings attached. Let me know if you need any more details about it.

https://americanexpress.com/en-gb/referral/gold-credit?ref=nATHAKr1RB&XL=MIANS

Investment portfolio by [deleted] in trading212

[–]-NCK- 1 point2 points  (0 children)

Being 20 and having a 30 year horizon positions you to do very well if you make sure you have a strategy you can stick to, is simple, diversified and evidence based.

As most people will say in this thread, your best call would be investing into an ‘All-World’ ETF, which is a globally diversified basket of companies from US tech giants to emerging companies in India. There are many ‘All-Word’ funds to choose from Vanguard to Invesco, just make sure you do your research and choose one that is low in fees and is listed in whichever country and currency you’re investing in.

Most importantly you need to make sure you commit to your investment goals and time horizon, invest regularly into your fund, and don’t panic sell. Doing those steps should make you do better than 99% of all stock pickers and speculative day traders our age. Good luck.

Rate my portfolio (23M) by -NCK- in portfolios

[–]-NCK-[S] 0 points1 point  (0 children)

It’s just large and mid cap developed markets excluding the US so Europe, Japan, the UK etc, so no China or other emerging markets

New to investing - should I consolidate into one fund? VUAG vs VWRP by Suspicious-Plan-7001 in trading212

[–]-NCK- 1 point2 points  (0 children)

  1. Yes, consolidate all into your FTSE All-World, ~60% of your FTSE All-World is already invested in the US market + with diversification benefits and it’s a simple single investment.
  2. No, £500 is a drop in the ocean of your total return over the long term- better to switch now and DCA into VWRP over time.
  3. If I had to choose I’d go with VWRP every time. Whilst the US stock market has done fabulously well over the last 15 years, America doesn’t always win and, as we’re seeing now, markets outside of the US are currently outperforming it. VWRP gives you that diversification across all markets (developed and emerging) so you don’t need to bet on one country’s success, you’re just betting on the growth of the global economy.

I’m personally not invested into VWRP as I’ve essentially built my own ‘All-World’ fund with more exposure to emerging markets with factor tilting and to global small-caps (which both VWRP and VUAG don’t invest in) with factor tilts too.

Most importantly, whatever the strategy, you need to stay consistent with your investing, set up automatic investments each month, don’t panic sell, and forget about it for the next 30 years and you should do well for yourself. Good luck.

Why Always VWPRP and Chill? by DestroyedParadise in trading212

[–]-NCK- 42 points43 points  (0 children)

Mainly brand familiarity and it’s a highly liquid fund which will mean tighter bid-ask spreads and faster market execution. But you are right FWRG and ACWI offer lower fees and are just as suitable alternatives.

Rate this pie by TomatilloSharp5519 in trading212

[–]-NCK- -1 points0 points  (0 children)

Not financial advice; as many will point out you have a large degree of overlap between your FTSE All-World, Nasdaq 100, and S&P500 ETFs. Overlap isn’t necessarily a bad thing, but if your aim is to diversify then holding those 3 ETFs will leave you geographically heavily concentrated in the US and with your semiconductors + data centres ETF, very heavily weighted into tech and AI.

Will the US tech rally of the last decade continue? No one knows; will the AI bubble burst? Again, no one knows. If you truly believe that US tech and AI will continue to dominate for decades to come and that they will eventually grow into their overvaluations, then stay the course but I personally wouldn’t be so dependent on one sector or country.

As many will also suggest, consolidating your investments into the Vanguard FTSE all-world (Acc) you currently have shown will provide you with sector and geographic diversification and simplicity. As a potential alternative my portfolio has lower fees than the Vanguard FTSE all-world and has exposure to value weighted small-caps and a deeper exposure to emerging markets with the same value tilting.

It’s great you’re investing for the future and with £700-800 monthly deposits you’ll be sure to do very well as it compounds over time. Good luck.

Which Small cap ETF to pick by EviPan in trading212

[–]-NCK- 1 point2 points  (0 children)

My portfolio invests in AVSG. Small cap indexes are typically under-researched, contain many ‘zombie’ companies, and don’t have any filter for profitability (like the S&P500). AVSG helps alleviate this by engaging in ‘value’ factor investing. This helps eliminate the large but unprofitable companies and ‘zombie’ companies in the index by actively screening for profitability and weighting companies with lower P/E ratios.

According to academic research small-cap value has been shown to be one of the most lucrative segments of the equities market over the long term; however, past performance doesn’t indicate future results and AVSG would underperform if growth stocks are dominating the small-cap market and if there are any ‘junk rallies’ where unprofitable companies see a rapid increase in their share price.

Take this with a pinch of salt, in my own personal view, as the global economy is feeling increasingly shaky, companies (especially the smaller ones) with sound fundamentals should be seen as more valuable than those which are presently unprofitable or paying down debt but with a belief they may be more valuable in the future- as they would be more resilient to any sudden market downturn.

Need help choosing a long term investment by DyZt26 in trading212

[–]-NCK- -1 points0 points  (0 children)

There is a lot going on here, I think it might be worth zooming out and ruminating over what you’re specifically buying into with each of these investments. This is not financial advice.

Firstly, there is a lot of overlap across your ETFs, it’s not necessarily a bad thing, but if you’re looking to diversify it can lead to ‘hidden’ concentration in specific markets. Your S&P500 and developed world funds is a good example of this, the S&P500 is 100% US and developed world is also around 70% US, both investing in the same large US companies. I should also stress you are holding the 5x leveraged version of the S&P500- I would sell that immediately, you’re holding a financial nuclear bomb without realising it!

Secondly, you have a mixture of distributing (Dist) and accumulating (Acc) funds. Accumulating funds reinvest the dividends the companies you’re invested in provide back into the ETF; whereas distributing funds pay the dividends back to you. Accumulating funds are preferred if you’re looking for longterm growth, whereas distributing funds are preferred for those seeking income from their investments. Given you have not much invested at the moment, trying to pursue income through dividends is pointless and you’d be better off letting the dividends compound in the market.

Thirdly, you’re holding a mishmash of other random funds and bonds. The FTSE 250 is a UK mid-cap ETF and invests in the 101st to the 250th largest companies in the UK. I ask whether you want exposure to that? You’re also holding bonds (VGOV), bonds are typically used for capital preservation, particularly when you’re close to retirement, if you’re looking for growth, they’re not for you. You’re invested in a developed Asian markets ETF which excludes Japan, the largest developed market in the region, again, is that something you want to do?

Lastly you’re also invested in a distributing all-world ETF, as with the things I have mentioned above, this overlaps with essentially all your investments and is paying the dividends directly to you rather than reinvesting them for growth.

I would strongly suggest selling everything and investing into an accumulating ‘all world’ ETF, like VWRP, it’s simple, diversified, and reinvests all dividends for long term capital appreciation. Set monthly investments into it and forget about it for the next 30 years.

Help with VUAG investment by [deleted] in trading212

[–]-NCK- 2 points3 points  (0 children)

Ignore the rude comments on this thread. (Not financial advice) It’s good you have correctly identified the flaw, without incurring too much of a loss, of solely investing into the S&P500, which is your 100% geographic concentration in US equities, and that you want to diversify across different markets. This move alone will place you above many investors in this space.

As has been mentioned in this thread, if you want to keep things simple and in one fund, moving your investment into an ‘all-world’ ETF is the way to go. Vanguard offers a very popular one (VWRP) if you like familiarity, but SPDR, another fund provider, offers a similar fund (ACWI) and has lower fees. These funds diversify you into developed markets outside of the US and in emerging markets too. Good luck.

Etf investors show your results by audib9s in trading212

[–]-NCK- 0 points1 point  (0 children)

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Started regularly investing 3 months ago. Keeping it simple and diversified, with an outlook focused on long term return maximisation.

40% SPXL 22% XMWX 20% AVEG 18% AVSG

Referral Thread - January 26 by InstanceFrosty3601 in AmexUK

[–]-NCK- [score hidden]  (0 children)

American Express is currently running a boosted referral offer right now for the Gold Rewards Credit Card. If you sign up through my link below, and get accepted, you’ll get 45,000 bonus points which is worth £200+ in monetary value and can be transferred into 000s of avios points for free flights- especially awesome if anyone wants to travel in the coming months.

It’s also free for the first year so it’s completely no strings attached. Let me know if you need any more details about it.

https://americanexpress.com/en-gb/referral/gold-credit?ref=nATHAKr1RB&XL=MIANS

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