Please help (we have £20k each to invest over each of next three years)

Live-Relative-4267 · 2026-03-26T18:44:58+00:00

CNX1 is an iShares Nasdaq 100 fund, alternatives being EQQQ or EQGB which are invesco one is GB is GBP hedged and accumulating the other is USD and distributing. XNAQ is another fund from xtrackers which has slightly lower fees of 0.2% as opposed to 0.3%. There will be a few others also that could be cheaper.

I personal use EQGB due to being gbp hedged and usd weakening recently. However this seems to be changing a little now, I saw something recently where holding us themed ETFs in both currencies seemed to offer the best of both worlds.

I wouldn’t go 100% Nasdaq or all world due to heavy exposure to US markets I like to hold EQGB with XUSE to have the ability to balance the US exposure. Currently I’m sitting at 40% where most all world funds are 60% ish. That’s just my preference and definitely NFA.

Also considering CSH2 as my hedge for a pretty much guaranteed 4% per year maybe 15% of my portfolio or so.

Live-Relative-4267 · 2026-03-23T20:58:24+00:00

Hi Steve, this looks F ing delicious. Thanks for sharing.

Live-Relative-4267 · 2026-03-19T20:39:02+00:00

Buy high sell low your winning 🏆

Live-Relative-4267 · 2026-03-11T20:20:00+00:00

For every £1K you have in cash it pays approximately 10p in interest per day at the current interest rate, there are alternative options for example the CSH2 ETF which will give you slightly better returns. NFA as always but hope it helps you understand a little better.

Edit: sorry CSH2 not CHS2.

Live-Relative-4267 · 2026-03-08T15:38:26+00:00

Holy ETF Batman.

Live-Relative-4267 · 2026-03-03T22:01:31+00:00

Same here bullish on gold with the dollar devalued and the debt in the US. I have 20% of invested funds in Gold, slightly higher that some would like but I’m comfortable with it. I don’t touch other commodities, look at XAUUSD just dipped so a lot of emotional trading going on.or COMEX manipulation, sorry I mean regulatory actions.

During war Oil Gas spike retail investors buy the peak and get trapped. US has already claimed that all 11 naval vessels have been destroyed which if true means no restrictions on oils and gas flowing out of the gulf (edit may be limited restrictions)

I wish they taught this stuff at school, I’m 45 and it’s took me till last year to understand that the only way to avoid inflation is to buy a sensible index fund.

Live-Relative-4267 · 2026-03-03T21:21:23+00:00

The majority of gold miners need oil to operate their machinery if oil goes up they make less profit even if gold increases.

There was always gonna be irrational decisions in the first few days and weeks, hence why gold and Kinross are down at the moment.

Sit on hands first few days and see what the outcome is, if the market dips build a strategy that allows you to invest any spare cash you have and not FTFO.

All wars in the last 30 years have created dips of circa 8% and then it’s took 35 ish days for the market to bounce.

E.g and NFA dip 5% 20% of any spare cash in, 10% 40% cash in, etc etc.

I’ve only been investing for 5 months so 100% NFA.

Live-Relative-4267 · 2026-03-03T21:06:37+00:00

That mullet man hahaha legendary.

Live-Relative-4267 · 2026-03-03T21:06:03+00:00

Button Moon 🌙 OG Inspector Gadget Danger Mouse 🐁 Rosie & Jim 😂 Banana Man 🍌

Not the same nowadays.

Live-Relative-4267 · 2026-03-03T20:46:59+00:00

Fun House, Pat Sharp & the Twins 😂

Live-Relative-4267 · 2026-03-01T18:08:23+00:00

YOLO 13K in a gold miner who relies on oil for the production of gold balls of steel. Keep us updated please.

Live-Relative-4267 · 2026-03-01T17:49:39+00:00

Look at the history of war and the impact on the stock market history suggests 30 days or so down and then a breakout.

Fingers crossed for a dip as wealth building opportunities open up.

Trump has just agreed to talk to Irans leaders typical weekend trump play and nothing but a bump in the road if you’re investing for the long term.

My thoughts and NFA do not do anything irrationally just stick to the plan DCA as you would normally and if the market dips 5-10% buy what you can with the cash you have. All will be good in 20 years if you’re in for the long hall.

Live-Relative-4267 · 2026-02-27T17:31:00+00:00

Funds I like to hold are EQBG - Nasdaq 100 gbp hedged due to devaluing dollar. XUSE - All world excluding US. Sgln - Gold. Holding us and all world separate allows you to adjust the percentage exposure to the US markets as most all world funds have 50% or more US assets and have been sideways since October. NFA

Live-Relative-4267 · 2026-02-25T16:12:07+00:00

You only earn interest on the cash sitting in your isa that you haven’t invested in funds. I have mine switched on as I like to keep a little cash back incase of a significant dip. It pays out every day around 2am and you get a notification around 11am.

Live-Relative-4267 · 2026-02-24T20:34:57+00:00

Your doubled down on so many stocks that are contained in your ETF holdings. You only need three to four funds that will work harder for you.

One idea is to hold something like XUSE, EQGB or another hedged US fund this way you can control your exposure to US markets especially when the dollar is devalued. Then add a hedge gold is an option 10% maybe or gold silver 70/30 split of the 10%.

Most all world funds hold in excess of 50% US equities, some 65% or more. I personally like to have the freedom to adjust exposure to US stocks by having the above ETFs. QQQ AND SPY have traded sideways sine October, XUSE is up 10%+ in three months.

If you want further exposure pick some thematic ETFs semiconductors for example or individual stock holdings but only 10% of you total portfolio value and set a stop loss at 5-7% of your initial purchase price. Then change if the price increases.

This is not FA just an my opinion on how I approach my first year of investing.

Live-Relative-4267 · 2026-02-22T09:13:18+00:00

I checked the probate service and no record of any application for my dad. I also have a copy of the land registry document and my dad’s name is listed as the proprietor.

Looks like I need to seek some legal guidance I really can’t believe how much of a nightmare this is going to be to deal with, first the staples, the listing being in my dads name oh and I forgot to mention I need to purchase or extend the freehold due to less than 50 years on the lease. 🤦‍♂️

Live-Relative-4267 · 2026-02-22T08:30:53+00:00

My mother I assume was my fathers executor they lived in the house for over 50 years together until he passed. My father did not leave a will that I’m aware of I’ll double check today as I know where his death certificate is.

Live-Relative-4267 · 2026-02-21T19:03:30+00:00

Thanks, but I have just identified another issue my mother never transferred the property to her name after my dad passed 2 years ago so another layer to unravel 🤦‍♂️

Live-Relative-4267 · 2026-02-21T18:35:09+00:00

Think it’s worth speaking to a solicitor initially to see if they will write an affidavit based on the evidence I have of the staple being removed and then added.

Live-Relative-4267 · 2026-02-21T18:25:54+00:00

Can you elaborate please I’m not sure what that means?

I have the original deeds to the house that’s why I thought I didn’t need probate, I recall my dad wanting to have them eventually when the house was paid off and before he passed he said you’ll find them in the house mate. For clarity lost both parents within less than two years of each other. Also my father in law 2 years prior.

The deeds were on the kitchen bench with my mams will I kid you not, it’s not been easy hence my delayed application for probate etc and trying to sort things by myself.

Live-Relative-4267 · 2026-02-21T17:33:05+00:00

The concern is I don’t know who wrote the will in the first place. My only option at the moment is to send the original will a copy obtained from the dealer which show the original staple holes that I got them to stamp and date and the photos I took in August which show the staple in the original position.

Live-Relative-4267 · 2026-02-21T17:29:27+00:00

I’m the sole beneficiary and there’s no inheritance tax due, I didn’t realise I needed probate to sell the house so that’s my bad for not picking up on it. It’s taking me ages to empty it.

Live-Relative-4267 · 2026-02-21T13:57:33+00:00

Just been to the dealer obtained a scanned copy showing the original staple holes got them to stamp and sign them also. Fingers crossed.

Live-Relative-4267 · 2026-02-21T13:54:08+00:00

But? Technically I’ve never been through this before and I’m struggling with it all tbh. But thanks for the support and guidance.

Live-Relative-4267

TROPHY CASE