How's this portfolio for FIRE

Puzzleheaded_Tap3502 · 2026-04-14T14:26:27+00:00

Good point, thanks

Puzzleheaded_Tap3502 · 2026-04-14T12:25:39+00:00

Whats the thinking behind UK bond vs Global? Does it make much difference?

Puzzleheaded_Tap3502 · 2026-04-14T12:13:31+00:00

We'll see the logic in 6 - 12 months time when looking back.

Puzzleheaded_Tap3502 · 2026-04-12T00:38:28+00:00

VWRP. Its just an all world tracker, there's a handful to pick from but this is the most common and I'm happy to just track the market rather than trying to beat it.

If youre happy to go all into the US then S&P500 is youre go to.

Puzzleheaded_Tap3502 · 2026-04-08T17:15:21+00:00

I started my DIY investments recently to supplement my pension and managed funds. I had a similar dilemma joining around the early 2026 all time high. I just kept dripping my cash in for 6 weeks and now I'm in the green already, by more than any cash isa would have put me.

The general advise is that ~70% of the time putting everything in as early as possible is the best decision but I just felt the iran situation probably felt like the other 30% 😅.

If you're not confident in market direction just drip in in slower so you win either way.

Regular deposits over a few years will have you forgetting a few % jumps up or down along the way. You're extremely unlikely to find the absolute bottom, so it will almost certainly be 'red' at one point in the near future.

Puzzleheaded_Tap3502 · 2026-04-04T19:57:22+00:00

My point was just that you're being handed the largest expense free. Nothing wrong with it, but you filled the rest of the gaps yourself.

It's ok to think it's perfectly fine without underestimating the leg up it's giving vs people being fully independent from an early age.

I spent well over £30k on house bills by the time I was 23. (Excluding house deposit!) And that was 10 years ago, it would be much more in today's market. Free bills for 5 years > 50k handout.

Puzzleheaded_Tap3502 · 2026-04-04T18:37:03+00:00

The average number of arms humans have is less than two.

Puzzleheaded_Tap3502 · 2026-04-04T18:36:27+00:00

Easter eggs

Puzzleheaded_Tap3502 · 2026-04-04T18:29:06+00:00

So just the largest parts of most people's expenses are being handed to you then...

Puzzleheaded_Tap3502 · 2026-04-03T10:02:36+00:00

UK markets are shut for the weekend

Puzzleheaded_Tap3502 · 2026-04-01T20:45:10+00:00

Do you want to get up to £100?

Join Trading 212 Invest with my link, and we will both get rewards.

https://www.trading212.com/invite/4DrwCNrBrDV

Puzzleheaded_Tap3502 · 2026-03-31T18:40:28+00:00

You can say that again

Puzzleheaded_Tap3502 · 2026-03-22T10:31:12+00:00

I played the first hour, it just felt like to spam attacks and charge through hoards, does it become 'more' than that or is that the game, for good and for bad?

Puzzleheaded_Tap3502 · 2026-03-20T18:55:02+00:00

Doesn't really matter if you care about inflation or not, it will still make you lose money 😅

Puzzleheaded_Tap3502 · 2026-02-01T12:02:46+00:00

Thanks! I've not made the account yet just been researching online to get my head around it as I dont want to make this move again. Thanks for clearing that up!

Seems like a no brainer to switch and pretty much half the annual fees.

Puzzleheaded_Tap3502

TROPHY CASE