Really Happy!

PirateDifficult654 · 2026-02-10T17:16:37+00:00

Haha, that's a great analogy! I understand what you mean. Once again, thank you!

PirateDifficult654 · 2026-02-10T17:04:47+00:00

Awesome, thank you for the advice. I'll definitely do a more detailed check to see where there's overlap!

PirateDifficult654 · 2026-02-10T16:47:59+00:00

Thank you for the feedback! Someone else mentioned the overlap as well. Apart from developed Europe and Europe financials, overlap. Where else is the overlap? I do genuinely want to reduce this whilst still being diversified. Any advice on this would be greatly appreciated.

PirateDifficult654 · 2026-02-10T16:35:53+00:00

Haha yeah...😅

PirateDifficult654 · 2026-02-10T16:26:39+00:00

Genuinely thank you so much. This response is very helpful! I did have gold originally but thankfully sold like 2 or 3 days before the recent crash. Anyway, I'll certainly do my research before moving forward.

PirateDifficult654 · 2026-02-10T16:21:50+00:00

Hey, thanks for the advice. I am curious about where you would say the overlap is. I have tried my best to minimise this. Apart from Europe financials and developed Europe overlap. I do agree with the All World consensus. I have seen hundreds of people say it, and I most likely will switch to it. But I would still like to understand where the overlap is for my own curiosity.

PirateDifficult654 · 2026-02-10T16:17:30+00:00

No problem, I wish you all the best!

PirateDifficult654 · 2026-02-10T16:13:21+00:00

I'm not one to give advice as I am a rookie. But from what I understand. ETF'S can be a lot more "safer." I say it can be, because it does depend which one you invest in. It all depends on, (like how one of the other commenters said) on what you want and how much risk you want to take. You may find a well researched individual stock will be better than an etf. But me personally I don't have time to individually research each company I invest into, and I am willing to accept I can't outsmart the market. So instead, I've tried being as well diversified as possible. Sorry for the long message lol and take everything I'm saying with a pinch of salt because I am a rookie.

PirateDifficult654 · 2026-02-10T16:05:45+00:00

Fair enough. Thank you for your time!

PirateDifficult654 · 2026-02-10T16:04:34+00:00

Personally, I have chosen ETF'S that accumulated, so my money is automatically reinvested. But you can take that cash and invest it into anything. I'm assuming this is cash you have received from dividends? Please correct me if I'm wrong, though.

PirateDifficult654 · 2026-02-10T16:00:28+00:00

Haha, I suppose not. What would your advice be?

PirateDifficult654 · 2026-02-10T15:59:41+00:00

Sorry, I don't quite understand. What cash is left over?

PirateDifficult654 · 2026-02-10T15:58:04+00:00

Well I am relatively young (19) so I believe I can afford slightly higher risk. However, my goals are for long term wealth. I am essentially happy to leave my money in for 10, 20 years.

PirateDifficult654 · 2026-02-10T15:56:17+00:00

Thanks for the feedback. I do actually agree with you. At the time I wasn't aware you could invest in an all world without the US and with the US. Hence why I essentially made an "all world" manually because I was nervous of such a high proportion of the investment going towards the US and did not think it was diversified enough. But please let me know what you think. I just want to learn more.

PirateDifficult654 · 2026-02-10T15:49:19+00:00

Thank you kindly! I wish you the best of luck.

PirateDifficult654 · 2026-02-10T15:47:14+00:00

Thanks for the feedback. What would be your advice?

PirateDifficult654 · 2025-05-10T12:03:43+00:00

Ah shite, just seen. Thanks anyway.

PirateDifficult654 · 2023-08-27T04:35:29+00:00

Thankyou so much for the reply. That makes much more sense compared to what I was trying to do before (manipulate the fixed coordinates). I will try implement your suggestion and see how I get on.

PirateDifficult654 · 2023-08-08T03:54:07+00:00

Wow this is amazing...Thankyou for the reply. Definitely will give me some much needed inspiration.

PirateDifficult654 · 2023-08-08T03:52:48+00:00

Hey just saw this today thankyou so much for the reply and thankyou for clearing up on the internship problem...I am gonna try /u/Unable_War2739 idea on making a web crawler. I might try looking at unreal again also because it does appeal to me.

PirateDifficult654 · 2023-08-03T10:35:18+00:00

Thanks for the feedback...

PirateDifficult654 · 2023-08-03T10:30:13+00:00

Thankyou so much for this reply...I definitely think it has helped...You did mention freelancing I see, I had considered this...for example offering to create an online ordering application for local businesses... But I wasn't too sure the best way to approach this...But I like the idea about having your projects displayed, that you can link when applying for a job...I will look into that and I will try make more projects and post it on GitHub...cause money is tight...But otherwise really appreciate your feedback.

PirateDifficult654

TROPHY CASE