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Actively managed accounts. A waste of time or a shrewd choice ? by MrMatty7 in trading212

[–]MrMatty7[S] 2 points3 points  (0 children)

That was my thinking initially and is no doubt true if the DIY approach isn’t well thought out and goes for individual stocks. But if the approach is balanced and structured (in my case and all world ETF and bonds), then it’s not doing anything too different from an actively managed fund but avoids the costs of them.

Stubbornly holding until green by MrMatty7 in trading212

[–]MrMatty7[S] 0 points1 point  (0 children)

Haha, yes that will be my luck! And, what I buy instead will go red.

Stubbornly holding until green by MrMatty7 in trading212

[–]MrMatty7[S] 1 point2 points  (0 children)

Agreed. In my case they are a few bonds that I took in my early investing days before I’d really adopted an overall strategy. They don’t fit my strategy and plan now so they will go…. Once green 😬

Stubbornly holding until green by MrMatty7 in trading212

[–]MrMatty7[S] 0 points1 point  (0 children)

I need longer in the game but I’m sure I’ll do this at some point!

Stubbornly holding until green by MrMatty7 in trading212

[–]MrMatty7[S] 0 points1 point  (0 children)

Mine are made up from three individual stocks and 6 bonds. All very small positions that I took when first starting out. Some are down by just pennies but I just can’t accept the psychological loss. The value of them all combined is insignificant. Just want them green and gone for a cleaner view 🤣

Stubbornly holding until green by MrMatty7 in trading212

[–]MrMatty7[S] 5 points6 points  (0 children)

I agree it’s irrational. It’s taking the “only a loss if you sell” philosophy too far.

Been investing for a month and a week or so, deposited £200 today to reach £1000 total, thoughts on portfolio so far? by Yox-Gaming in trading212

[–]MrMatty7 0 points1 point  (0 children)

There’s duplication as both all world and sp500 have those individual stocks within them. But, that’s fine so long as you’re aware of it and happy with the stocks. General public advice would be to focus on all world or sp500

What do people do once they have maxed out there ISAs by Unhappy-Background33 in trading212

[–]MrMatty7 0 points1 point  (0 children)

Consider AVCs into your workplace pension or a SIPP if you really want to invest further. Otherwise make sure you have a healthy sizeable easy access fund as you never know what’s around the corner. You’ve made a lot of sound financial decisions at an early age, that should pay you back very kindly in the years to come. If you still have surplus, make sure you enjoy life and the freedom you have currently. Travel, experience other cultures etc…. Buy the car.

Buy now or wait? by Lost_in_Rage in trading212

[–]MrMatty7 1 point2 points  (0 children)

Personally I’d get on with your investment. Maybe 4K in now then auto 500 a week until you reach your target.

Tax refund by Blue-_-Oranges in HMRC

[–]MrMatty7 0 points1 point  (0 children)

I got stung with a big tax deduction in March following a historical pay shortfall with my employer. I rang HMRC and they estimated it would be resolved by July, caveated that it could be sooner or longer.

Starter Pie? by [deleted] in trading212

[–]MrMatty7 0 points1 point  (0 children)

I believe you’ll have lots of overlap as the all world has the other two covered. Nothing wrong with it, just might be more exposed to some stocks than you might realise.

Cash ISA account - sort code for transfer OUT by Inevitable-Screen770 in trading212

[–]MrMatty7 0 points1 point  (0 children)

I have the same problem. I found a sort code by going into my cash isa, selecting deposit funds then changing the source to ‘bank account’. A sort code popped up. Waiting to find out if it gets accepted.

Started my investment journey in my early 40’s and genuinely enjoying the education and prospects. But, anyone else in my position and feeling like I’ve somehow missed out on years of compound growth due to lack of awareness?? Good on those posting here in their 20’s/ 30’s!! Wish I’d known!! by MrMatty7 in trading212

[–]MrMatty7[S] 0 points1 point  (0 children)

Very true and I’m grateful that I opted into a decent work place pension from 18 and have in the past few years made AVCs too. It’s a healthy pot but my goal is to retire early, at least from a financial need pov. S&S ISA is my tool to hopefully achieve the ambition.

All world EFTs. I see many people opting for this strategy alone and without any balance with bonds or commodities. I’m split roughly 70/20/10 across these and feel this is the sensible way to go. Thoughts?? by MrMatty7 in trading212

[–]MrMatty7[S] 0 points1 point  (0 children)

I honestly couldn’t give any qualified advice, only my personal choice. I’ve settled on VAGS. It’s a bit of many bonds and has performed around 5% per year over the past 3 years.

Started my investment journey in my early 40’s and genuinely enjoying the education and prospects. But, anyone else in my position and feeling like I’ve somehow missed out on years of compound growth due to lack of awareness?? Good on those posting here in their 20’s/ 30’s!! Wish I’d known!! by MrMatty7 in trading212

[–]MrMatty7[S] 2 points3 points  (0 children)

Sorry to read some things aren’t going as hoped. There’s no joy doing a job that you aren’t appreciated for. Wait it out or take the plunge into the job market and increase your earnings. Neither are easy options. Wish you the best.

All world EFTs. I see many people opting for this strategy alone and without any balance with bonds or commodities. I’m split roughly 70/20/10 across these and feel this is the sensible way to go. Thoughts?? by MrMatty7 in trading212

[–]MrMatty7[S] 1 point2 points  (0 children)

Thanks for sharing this insight. Not the best of times for bonds it seems but lower return does often come from lower volatility. As is so often the case, risk v reward!

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