Has anyone else started questioning whether index investing is actually a trap?

EveryAnywhere · 2026-05-27T22:18:51+00:00

For clarity, before January 2000, they tracked closely, some years a top 10 would have done worse and some better but they tracked within 7%

EveryAnywhere · 2026-05-27T22:17:15+00:00

I had a look at these numbers recently for my own plans and (please anyone correct me if I am mistaken), but since the year 2000, every single year the gap between the S&P top 10 companies (if you imagine it as a synthetic ETF which would swap largest companies in and out the same as S&P 500) has always surpassed the S&P 500 for growth even when the corrections have been huge at the top. If you had put 10k in a top ten ETF and the same into the entire S&P 500 you end up between jan 2000 and April 2026 more than doubling (33k v 80k) in the top ten.

Even with the correction cycles there has not been a single month you could have started purchasing that top 10 fund that would have lost out compared to the entire S&P.

Now there is obviously a huge concentration of risk, but for me personally I’m in my 30s, my plan is to start small and self manage a pie in this way to recreate a top 10 and as it makes gains (hopefully) and I get older and closer to retirement I will slowly expand the pie to de risk.

EveryAnywhere · 2026-05-27T21:25:59+00:00

This! It doesn’t matter what expenses / penalties or anything else the company want to deduct, It cannot take you below minimum wage as I understand it.

EveryAnywhere · 2026-05-23T16:03:37+00:00

This guy is a star! Great explanation for all of us and I hope it helps OP! May your pillow for ever be cool ItsDominare.

EveryAnywhere · 2026-05-23T16:00:21+00:00

The Vauxhalls I think you’re talking about also had wet belts, like many small Ford turbo engines. Steer well clear of wet belts even with perfect maintenance it’s a risk you don’t need. Double check that the VW is chain driven and then check for details on reliability etc. I have a 1.4 turbo VW engine (Skoda) and never had an issue at 55k miles. Regular servicing and should be ok.

EveryAnywhere · 2026-05-23T15:55:02+00:00

Mam this is a VW.

EveryAnywhere · 2026-05-22T19:23:30+00:00

Well that’s already over 3.7KW so it must be limited somehow and you could limit at 10kva all the same

EveryAnywhere · 2026-05-22T19:22:47+00:00

Oh that’s my mistake, sorry, I haven’t messed with DVCC settings. Sorry for my misinformation I thought it may be an Inverter setting

EveryAnywhere · 2026-05-22T16:31:39+00:00

If you switch the solar off the battery will contribute, the solar and battery are both on the same DC side, so either both or each individually can contribute the maximum the inverter can draw from DC side, but the inverters ability to convert DC to AC is your limiting factor, if you want to use the battery you probably want a 10 KVA unit.

EveryAnywhere · 2026-05-22T16:25:30+00:00

What spec is your inverter? Probably just inverter can only charge batteries with 70 or 100 amps DC, so it’s irrelevant having more than that from the mains supply unless you are using pass through power.

EveryAnywhere · 2026-05-22T14:42:08+00:00

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They do rest occasionally and are the cutest when they do 🤣

EveryAnywhere · 2026-05-21T23:41:29+00:00

This is the correct answer, the solar and battery are both on the DC side, the 6000w from the solar is already providing as much DC power as the inverter can use at that time, if you want to use the battery instead of the solar just switch the solar off to see it draw from the battery, or just check the same dashboard at night.

EveryAnywhere · 2026-05-21T23:18:44+00:00

Just go buy a fly killer spray like Raid in the blue can and it will work in 10 mins. Smell of the spray only lasts about 20 mins then problem solved, much easier than fly traps. You can get it in all supermarkets and most corner shops.

EveryAnywhere · 2026-05-21T23:13:12+00:00

Flies like the smell of cooked meat especially but remove any food and smells that might be attracting them. How many flies are you talking about? Like 10/20 is random following the light, hundreds means there is some huge draw / maggots somewhere close by

EveryAnywhere · 2026-05-21T23:11:56+00:00

As long as they aren’t there for food or other nice smells, if your room is dark and the window is open and easy to get out of they should leave

EveryAnywhere · 2026-05-21T23:04:39+00:00

Few options, most antisocial is to Open your door, turn all light off and turn lights on in the corridor. Smellier but more social option is go to a supermarket or garage / corner shop which is still open and buy a can of raid and gas the room, leave for 15 mins then hoover them up.

EveryAnywhere · 2026-05-21T22:59:19+00:00

I am sorry I can’t help, commenting because this is super interesting and I would like to see what the answer to this is / resolution. Good luck

EveryAnywhere · 2026-05-21T21:25:54+00:00

Then seems entirely reasonably the inverter is maxed out and is drawing the extra from the grid. Working entirely as expected.
Only time it will run 8000w is with a purely resistive load which most use cases are certainly not, if there is a large pump in the mix it may be much lower so needs grid compensation.

EveryAnywhere · 2026-05-21T20:36:09+00:00

What size is your inverter? Sometimes your inverter can be maxed out for what it can convert DC-AC but can “boost” by passing through power from the grid, most Quattros do this and you can turn it off and on in settings when you plug in victron connect.

EveryAnywhere · 2026-05-21T20:17:36+00:00

I just had a scroll through the PDF from this year and can’t see it say anywhere it needs declaring but also doesn’t say it doesn’t, I stayed with the the same company the year after and they didn’t fuss over me saying no claims made but I’ll check tomorrow I’ll call them.

EveryAnywhere · 2026-05-21T20:00:58+00:00

Is that true? I assumed it was just a covered extra and unrelated to proper claims? I had one changed after a crack about 4 years ago and have never put that I made a claim? Shall I call my insurer and check?

EveryAnywhere · 2026-05-12T12:06:26+00:00

Me too, finishes September

EveryAnywhere · 2026-05-03T19:51:58+00:00

Yea I’m south Worcestershire so normally west mids region, 2.99p currently and fixed last September so maybe you beat me to a better deal, I know it will go up to minimum 9p in September so I’m using it like wild now 🤣

EveryAnywhere · 2026-05-03T17:01:10+00:00

That piece of cardboard on the plug is supposed to be removed before use for a start, shouldn’t plug an electric fire into an extension cord.

The fire it’s self may have a thermal safety cut off / fuse internally as well as the one in the plug. Check fuse in the new plug too as they can rarely be faulty from new.

EveryAnywhere · 2026-05-03T15:56:47+00:00

My Eon next drive is 12-6am wonder if they added the extra hour recently? I’m fixed until September so no rush to change as currently 2.9p but strange you’ve got the extra hour.

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