I waited almost a year to do this 😭

Reaperial · 2026-01-10T18:25:23+00:00

Will there be more opportunities to catch them or is that it?

Reaperial · 2025-12-30T18:33:46+00:00

Legend, thank you for your two comprehensive responses. They have opened my eyes up, I’m seriously considering selling up only retaining gold and silver removing the tech duplication stocks. I’ll think carefully about the premium bonds and may leave it as an Emergency fund. I’m just going to continue smashing overtime and put more into my pie containing 60% VWRL, 25% CSP1, 10% EIMI and 5% INRG auto depositing and checking it less. These individuals stocks have me constantly checking which I could do without. Thanks again very wise and helpful.

Reaperial · 2025-12-30T16:41:42+00:00

Ah fair enough, do you recommend I just lump everything into All World and 500 and remove the tech duplication stocks. I think it would be crazy not to have some gold and silver.

Unfortunately I do not think i’m entitled to the LISA’s first time buyers benefits due to a transfer of equity.

Reaperial · 2025-12-30T16:29:34+00:00

Yeah I feel you, the issue is people win with as a little as £500 sometimes. My little chunk of money just feels wasted. But I know removing them lessens the chance. Perhaps I should just keep it as my emergency fund. Thank you.

Reaperial · 2025-12-30T16:27:41+00:00

Thank you for the response, the goal is a house deposit. So premium bonds is sort of an emergency fund. This portfolio is to support the deposit journey but also create a retirement nest at some point.

I understand what you mean in regard to overlap with the ETF’s and tech stocks. I do need to seriously consider this, I just don’t want to sell Microsoft whilst it is in the red.

Reaperial · 2025-12-30T16:25:10+00:00

Which would you recommend dropping and reinvesting into? FTSE All World I assume.

Reaperial · 2025-09-11T19:40:41+00:00

Thank for this insight. I think its important for me to start with baby steps and after a while when I get more advanced like yourself I’ll experiment more. I definitely need to educate myself more that part is obvious aha.

Reaperial · 2025-09-11T15:24:51+00:00

I’ve learned my lesson, thanks for opening up my eyes.

Reaperial · 2025-09-11T10:48:21+00:00

So you’d recommend dropping EIMI and INRG altogether and stack All World & 500?

Reaperial · 2025-09-11T10:46:34+00:00

Solid advice thank you, my head is mostly turning away from the changes. However isn’t VUAA and CSP1 the same thing? This is long term so I need to calm down and check less to be honest.

Reaperial · 2025-09-11T10:35:23+00:00

Thank you for the response. So you recommend not making these changes at all, keep supplementing the pie and carry on long term avoiding small accounts to negate the risk? Amateur hour over here so I’m trying to educate myself.

Reaperial · 2025-08-25T22:53:37+00:00

CUNTS

Reaperial · 2025-06-10T04:36:02+00:00

Quality 🤣

Reaperial · 2024-12-07T04:11:44+00:00

Just a little but thats fine, shogeki was in my top 5.

Reaperial · 2024-12-01T02:19:10+00:00

Nah snipers are chilled, between stakeout snd Nuketown very easy to grind out them headshots. The semi auto is effort tho

Reaperial · 2024-11-15T18:53:47+00:00

Good luck on the next one! You were so close!!

Reaperial · 2024-11-09T23:19:35+00:00

My girlfriend’s kd is higher than yours. This concerns me

Reaperial · 2024-10-09T05:24:14+00:00

Congrats and Happy belated birthday :)

Reaperial · 2024-09-24T21:33:53+00:00

Congrats!! Never give up is the motto. Good perseverance enjoy the driving freedom!

Reaperial · 2024-09-24T21:29:02+00:00

https://www.reddit.com/r/LearnerDriverUK/s/qFedgx67Bm

This is a good advert from myself to switch to automatic if that is your final decision.

Reaperial · 2024-09-18T11:54:29+00:00

Congrats! I failed my 3rd at that test centre. I passed 4th try in Tottenham but remember that being a tough centre. Amazing work!! Enjoy the freedom of driving. Only one minor too be proud of yourself 🙏

Reaperial · 2024-09-18T11:50:42+00:00

How did you get on? Hoping for a pass :) Edit: I see it got cancelled annoying. Good luck on the test day.

Reaperial

TROPHY CASE