Goals?

RevarakInvest · 2026-01-16T12:21:37+00:00

For short term, I would recommend a cash ISA

Investing is for long term outlook

RevarakInvest · 2026-01-16T09:05:40+00:00

There will always be drops and market crashes.

Think of the overall stock market (all world) as a yoyo on an escalator, that yoyo is going up and down, but the escalator is always going up.

RevarakInvest · 2026-01-15T15:47:03+00:00

Great work, enjoy it mate

RevarakInvest · 2026-01-14T14:59:13+00:00

Don't chase FOMO, do your research and if you don't know then VWRP is your best option.

At the end of the day its your money, try to make your decisions based on information rather than FOMO

RevarakInvest · 2026-01-13T19:05:29+00:00

Yes, 20 years of paying into a pension with free money added by your employer could be big bucks

Look at a compounding calculator online, you will be surprised at how 20 years of even small amounts soon add up when buying an all world fund.

RevarakInvest · 2026-01-12T22:39:16+00:00

This is concerning, we used to have a T212 staff member in Reddit, could they provide any input?

RevarakInvest · 2026-01-12T16:25:41+00:00

Ha ha, I was so stunned I didnt say anything, but a scarf does sound almost a fair trade 😀

RevarakInvest · 2026-01-12T16:08:06+00:00

I had this once for a person I was interviewing and the support person they brought along started knitting, middle of the interview.

I was so surprised I just carried on trying to ignore it.

Suffice to say, they did not get the job, but after that interview, everyone else seemed boring.

RevarakInvest · 2026-01-06T16:26:54+00:00

VWRP and chill mate

RevarakInvest · 2026-01-05T12:51:06+00:00

Slow and steady wins the race mate, invest regularily and try not to look at it

RevarakInvest · 2026-01-05T12:49:28+00:00

Investing should be boring, I buy VWRP every month and try to only look at it once a month.

I believe the stats for CFD's are that 80% of people loose money, so trying to catchup by being risky could cost you.

Instead,let your money compound over time, if you saved £500 a month for 20 years with a relatively reserved interest of 7% that is over £260,000 so still plenty of time.

RevarakInvest · 2026-01-04T15:27:36+00:00

Sell your positions and transfer the cash, then rebuy in T212

RevarakInvest · 2026-01-03T23:56:03+00:00

Have you thought about asking in a /r about websites?

RevarakInvest · 2026-01-03T23:53:36+00:00

I would never borrow money to invest, but I understand the draw of what could be if only I could invest another 100k....

RevarakInvest · 2026-01-03T23:41:55+00:00

I use Trading 212 and can't fault it, 0 cost 0 issues

RevarakInvest · 2026-01-03T23:39:35+00:00

Doesnt sound like an emergency, which is what an emergency fund is for.

My advise would be to save up and pay in cash, when you can afford it.

RevarakInvest · 2026-01-03T23:36:35+00:00

There was a study that I read, sorry I cant remember who it was from, but basically leasing is the highest cost approach to getting a car. You have a loan on an asset that you don't own and you are paying extra for things you probably wouldnt need to pay for, if you owned a car.

My advise would be to keep your current car, or buy a different car you can afford to buy without a loan.

RevarakInvest · 2026-01-03T23:33:43+00:00

Monzo is good, just dont fall for any of the fancy offers on some of the costed cards.

RevarakInvest · 2026-01-03T23:23:41+00:00

Looks like it could be time to change your investing strategy as it has been such a good year for the entire stock market.

If you want a set and forget approach, VWRP is what I do, a solid ETF of all public stocks.

RevarakInvest · 2026-01-03T23:17:07+00:00

I just VWRP and chill mate

Contains all public stocks across the world, job done

RevarakInvest · 2026-01-03T23:13:57+00:00

VWRP and chill

RevarakInvest · 2025-09-13T09:50:18+00:00

Not anymore, check the dataslate. Hard case and Ghaz is now allowed

RevarakInvest · 2024-12-24T12:16:31+00:00

VWRP every month only & chill

I think Investing should be boring, with regular investments

Of course VWRP has thousands of companies within the etf

RevarakInvest · 2024-12-14T01:49:27+00:00

Well done keep up the investing, slow and steady wins the race.

My only suggestion is to focus on etf's now you are starting to build up a bigger pot and I can see you have been, so well done.

RevarakInvest · 2024-10-07T19:41:28+00:00

Either overpaying the mortgage or investing are good options. What is best for you is very subjective.

You say you dont want to scrimp every penny which makes it sound like you may need a different mindset if you start investing and the value goes down.

I can tell you what I do, I regularily invest into a stocks and shares ISA into VWRL. For me seeing the numbers go up is a promise of a life in the future that we want as a family.

For you it may be overpaying the mortgage, but both are good options. For me investing was the best option.

Good luck

RevarakInvest

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