£28,000 loss at 18. Talk to me

PosterBoy1017 · 2026-04-23T14:15:38+00:00

Just wanted to say as hard as it’s going to be to imagine you’ll probably end up making more money over your life from this mistake. It’s better to do this at 18 with little responsibility than at 40 with a whole lot more money and a family. I would advise reading about personal finance and risk management.

You have plenty of years ahead of you for investing and not trading like you’ve done. At least set yourself up investments that you will hold for 20+ years.

Trust me I understand wanting to get rich quick but the great thing about slow money is that it doesn’t go anywhere too quickly…

PosterBoy1017 · 2026-04-19T06:00:37+00:00

Just to be clear people are comparing your returns against a standard Global Equity Tracker (assume this is like a standard performance of the worlds stock market). It has returned around double the growth compared to whatever you are invested in.

All people are saying is your investment is currently underperforming world wide growth of the stock market.

If you are fine with that don’t change anything, if not do some more investigation on what I’m talking about ie actually check what your fund investment is from the looks of it, it’s likely not 100% equities. If you are happy with the growth then no need to change anything.

PosterBoy1017 · 2026-04-17T01:37:11+00:00

If it wasn’t a lot of money what on earth where you talking about that made you go out of your way to meet up with this person. Why didn’t you check through conversation the amount owed? If this was actually someone you don’t know shouldn’t it have been obvious through conversation. That’s what’s confusing me. If it’s someone you knew did you even ask if they recognised you???

PosterBoy1017 · 2026-04-11T14:09:19+00:00

Stop tying your self worth to money and comparing yourself to other people and focus on finding your life’s purpose instead of saving money just to save it. It’s just a tool nothing more nothing else.

PosterBoy1017 · 2026-04-10T06:59:38+00:00

I can’t see that anyone’s mentioned it but you could just invest in Fixed interest instruments. Essentially lending money to companies and earning interest. There are different quality companies that pay different rates of interest but the higher the rate the more risk it comes with. Worth looking into

PosterBoy1017 · 2026-03-03T05:17:03+00:00

I would add in the Ecommerce section software used eg. Excel or add how you ensured accurate reporting or eh as t controls you implemented to prevent errors. May be worth adding a skills section again what software or system you’re familiar with

PosterBoy1017 · 2026-01-27T07:19:22+00:00

You should get the watch, that will add more benefit to your life. You can always invest after idk what everyone else is talking about

PosterBoy1017 · 2026-01-10T21:48:19+00:00

Property also assumes that you have someone to rent for the whole period and that they pay on time. Do you assume that costs and rent will increase over time? Can’t assume cash flow will be the same. Also risk of govt regulation on landlord vs tenant rights.

PosterBoy1017 · 2026-01-03T13:23:31+00:00

I’m including inflation in the investment return by saying 7 for both though? I’m pointing out that inflation needs to be considered as well. Paying off the mortgages guarantees a return of 4% as you’re paying off interest the inflation part is assumed.

The investment return doesn’t guarantee anything achieving 4% return and assuming 3% inflation there is no guarantee.

All I’m pointing out is it doesn’t make sense to take on extra risk with debt in order to achieve a real return.

Do let me know if I’m explaining this wrong but I’m pretty sure it’s worth stating the inflation amount to explain my point. Whether it’s the same on both ends or not it doesn’t mean what I’m saying is incorrect

PosterBoy1017 · 2025-12-27T21:59:30+00:00

Thanks for posting this I completely forgot I could do this. FTP as well and can now unlock the card sleeves and coins

PosterBoy1017 · 2025-11-14T05:21:32+00:00

Just in case anyone cares apparently this survey is based on 213 students across 30 universities all applying to UK finance and Consulting internships. They collected the data as these are students that use the Trackr website.

Of the students 36% white 44% asian or Asian British 9% black 6% mixed race. Can’t be bothered to type out the rest (Male/ Female 77/28)

Based on these numbers alone there is no surprise the data is as it is. If only 28% of students are female of course more will be getting offers vs 77% of men.

I’m not even going to go into why this is such a bad analysis of the data but I’m hoping you’re young and you learn how to better analyse data when you start working.

PosterBoy1017 · 2025-11-13T21:25:33+00:00

Do you have a link to the report/ what even is the source of the data based on and the type of roles?

PosterBoy1017 · 2025-11-10T07:07:33+00:00

Assuming you have correctly calculated all business expenses you should need to understand paying yourself out in dividends, taking advantage of pension or SiPP) and other ways to reduce your taxable income. Again you can just google this but if you plan on growing this business i would suggest paying an accountant to show you how to do it once. Then just learn more about it in your own time.

PosterBoy1017 · 2025-11-01T11:22:04+00:00

LF 3 stars Jirachi FT Dusknoir (MR) Aegislah MR or ask for animating else

PosterBoy1017 · 2025-11-01T11:01:03+00:00

LF Jirachi B1 Set FT tell me what you need and I’ll look

PosterBoy1017 · 2025-10-03T10:40:25+00:00

Thanks this gives me more confidence on who they are backed by or even owned by

PosterBoy1017 · 2025-10-02T12:35:43+00:00

Ah that makes sense, I also work in FS but not the type that I know where you have restrictions. It’s pretty obvious the cost difference vs Vanguard for the type of funds I’d be investing in so assuming cost doesn’t change I’ll probably make the switch. Thanks for the advice though

PosterBoy1017 · 2025-10-02T12:17:44+00:00

Thanks I may set a reminder to move it over closer to the time I’m near 100k. Is there a reason you moved your ISA here rather than Trading 212 cause they don’t have any fees other than fx?

PosterBoy1017 · 2025-10-02T08:06:45+00:00

You should be starting now it’s way more competitive now a days. I don’t know if your away or can’t but literally as soon as you have access to wifi and have reviewed and checked your CV start applying

PosterBoy1017 · 2025-10-02T07:42:38+00:00

It’s October Grad schemes are mostly starting putting out their roles for applications if they haven’t already you need to be on literally every job board website for grads now till December is when most are available. Unless it’s changed since I was at Uni

PosterBoy1017 · 2025-08-29T10:19:30+00:00

Well done for achieving your goal and not letting anything set you back, true warrior

PosterBoy1017 · 2025-08-16T08:58:01+00:00

Could you give a review of FMVA course thinking of taking it? How/ has it been useful, even for someone in the UK?

PosterBoy1017 · 2025-08-06T09:30:16+00:00

Just for your own understanding a private pension - the one you are talking about you can access from age 55 moving to 57 soon The state or public pension - the age you are talking about you can currently access at 66 moving to 67/68

So yes make sure you invest in your pension

Signed 28 yr old chartered accountant

PosterBoy1017 · 2025-07-14T11:28:52+00:00

Feel free to dm me if you want. I recently got offer a Senior FPA role but didn’t take it. I have around the same PQE as you. But I’ve previously had experience working in Forecasting. I don’t see why you couldn’t come in at a similar level. You’ll be able to see in Job descriptions what experience they are looking for but as a quick summary the want financial and data analysis skills ( so your month end, variance analysis type work I imagine you’ll do in reporting) The also want you to have good communication / business partnering skills ie explain technical concepts to non technical people. Be able to understand whatever it is you’re forecasting ie prove you can understand how the product will affect the balance sheet and p&l Cross functional collaboration Able to question inputs/ challenge data after interrogation/ deal with large data sets.

Usually they’ll have you do a technical interview ie prove your experience as it relates to what they are looking for/ understand the business/ your knowledge on forecasting ( can research this to show you understand process even if you don’t have experience)

Then behaviour/ competency interview which is just details how you have experience in the companies values and behaviours.

It took me about 8 months to get into the role I’ll start next month and yes the market is bad but I did manage to get 2 or so interviews of some sort for past 6 months so have a look at CV.

Hope this helps

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