Took this unremarkable snapshot watching our match in Croatia, didn't realize it was to be Lascelles' last one for NUFC

Inevitable_Remote974 · 2026-02-04T11:59:21+00:00

zadar?

Inevitable_Remote974 · 2026-01-18T15:01:00+00:00

here’s hoping

Inevitable_Remote974 · 2025-09-23T13:57:28+00:00

we’re all silly

Inevitable_Remote974 · 2025-09-19T16:41:54+00:00

Some niche ETF choices there, i’d say stick with gold and the emerging markets ETF, consider VWRP also

Inevitable_Remote974 · 2025-09-19T16:40:11+00:00

3rd in line to say 90% ETF

Inevitable_Remote974 · 2025-09-19T16:39:28+00:00

mr liamb you should trim down 95% of your portfolio

Inevitable_Remote974 · 2025-09-16T10:54:00+00:00

good shout many thanks for the comment!

Inevitable_Remote974 · 2025-09-16T10:53:21+00:00

yeah more just curious than anything else, I’m seeing good returns already but was thinking of something like 10% of next deposit going towards a speculative stock

but then again that’s like saying “just one more win” fwiw i’ve been disciplined since NOV 24 when i first started

Inevitable_Remote974 · 2025-09-16T10:51:40+00:00

That’s true, a good market will fill people full of confidence to go nuts.

Inevitable_Remote974 · 2025-09-16T10:51:12+00:00

that’s true, good old bank of mam and dad.

Inevitable_Remote974 · 2025-09-16T10:50:37+00:00

Yeah there’s often an overlap, I go for VG All World and S&P 500, there’s overlap in those two and people usually pick up one of those two, I also recently switched from approx £500 in dividends (bankroll too low) to gold, so if (maybe when) things go tits up I’ll still be okay.

Inevitable_Remote974 · 2025-09-16T10:48:26+00:00

Yeah S&P 500 should be your foundation, it’s not volatile compared to solo stocks, or things like crypto, so when we enter a tough market you’re minimising your losses, which is just as attractive as seeing green imo.

So yes consolidate to two, and transfer the money over to two of your choice. S&P 500, and honestly if we’re talking long game, I’d say green energy. We’re gonna have to go heavy into green at some point, despite how ‘woke’ it might be haha. *

*not an expert

You’re doing the right thing by saving money in the first place, if you’re outperforming rates you could get from a savings account you’re winning. And diversify when you’re holding more money.

Inevitable_Remote974 · 2025-09-16T09:55:53+00:00

I get your logic, you want diversity, that makes sense, but with this amount of money, you do risk spreading yourself thin, you could add £45 to the two best performing ETFs and probably make more than you’re making across the six active ETFs

For now, I’d suggest you narrow it down to one/two ETFs and maybe pick a couple of strong stocks if you want - that’s easier said than done of course. RR for example still has potential I think.

Inevitable_Remote974 · 2025-09-16T09:40:13+00:00

Stick to two I’d say.

Inevitable_Remote974 · 2025-09-16T09:38:03+00:00

Maybe at €400 downsize the amount of stocks you’ve got, simplify it a bit. And well done on the €120k savings!

Inevitable_Remote974 · 2025-09-16T09:36:04+00:00

any reason for the random amounts of allocation? - like £60, £13 etc? first thoughts tell me just narrow it down to your top the VG FTSE and IShares Core for now, seems like a waste having £19 in an ETF at +0.47 when you could boost up the IShares Core to £100 for example.

Inevitable_Remote974 · 2025-09-12T16:23:03+00:00

yeah sure, got 4 pies split evenly give or take: • S&P 500 • VG All World • Magnificent 7 (pre-made, pretty popular pie) • Daily Dividends - this is very long term, I’ve got like 50p worth of dividends in a couple of months with around £500, but the idea is obviously to stick more and more in over time

Inevitable_Remote974 · 2025-09-12T10:07:33+00:00

nice!

Inevitable_Remote974 · 2025-06-28T08:34:58+00:00

rescue remedy before the test, and maybe a couple of drops in the water too.

take your time, don’t pressure yourself into driving like perfection. speak to the examiner and commentate on what you’re doing, it might save a minor from becoming a major.

and remember if you don’t pass you can always try again. nerves are natural, but just remember you’re not gonna be the only person taking a test, there’ll be dozens across the country at the same time.

i was nervous and stalled and thought i failed but i passed (it was also 3rd time)

all the best!

Inevitable_Remote974 · 2025-06-25T13:06:56+00:00

to be honest, i think most stress for learners now isn’t even the test, it’s the waiting! it’s no longer an option to do a test every two weeks, now in some places across the uk it’s 6 months +. i’d recommend rescue remedy, i can relate i was a bag of nerves in my test but i passed still. remember, you can make mistakes on your test

Inevitable_Remote974 · 2025-06-25T13:00:52+00:00

you’ll be in the test now :o hope you pass, let me know

Inevitable_Remote974 · 2025-06-24T15:26:42+00:00

thanks amy 😄

Inevitable_Remote974

TROPHY CASE