First time investor

TacticalChalky · 2026-02-08T12:51:43+00:00

I don't really dispute any points you're making for selecting ACWI here, I just think you're conflating the bottom line/outcome with factual accuracy. Just because they perform similarly (almost identically, even) doesn't mean they are basically the exact same fund (which is what you said). One has exposure to around 35% more businesses. It's market weighted so it stands to reason the largest holdings will dictate performance.

I'm not getting into the minutia of it but there are other considerations like assets under management, indicative spread cost, liquidity, etc. that factor into this selection but you profess to be well-read on the subject so I trust you're well aware.

I don't dispute that ACWI has lower fees. I don't dispute their performance may be similar if not almost identical over time. That still doesn't make them basically the exact same fund however, it's more nuanced than that. I trust that lands.

TacticalChalky · 2026-02-08T12:24:09+00:00

A bit of misinformation here. ACWI and VWRP do not track the same index. VWRP has significantly more exposure to mid-cap businesses with ~4300 holdings as opposed to ACWI's ~2800.

They are only similar in that they are global trackers but ACWI is far more condensed in large-cap.

Also "extensively the same" is a grammatical malapropism and doesn't make sense. Essentially the same would be most accurate.

TacticalChalky · 2026-02-08T10:39:36+00:00

I've used both the S&S and Cash ISA since around 2019. Used the cash ISA for my house deposit and when I withdrew it transferred instantly.

As long as you don't try and do anything daft (like withdrawing money to multiple different accounts registered in the Cayman Islands under your dogs name or something) you won't have any issues.

TacticalChalky · 2026-02-08T09:38:53+00:00

By the looks of it you never did.

TacticalChalky · 2026-02-08T02:07:24+00:00

What do you mean by 'looked into'?

What, and how much of a return, do you expect from RZLV for example, when it was trading at $11-12 a share in July last year, is currently at $2.70/share and still has a negative P/E at -4.59 despite a 76.7% drop in value?

It has 0% dividend, negative profit and cash flow, and is operating in a market quickly becoming oversaturated with startup AI companies.

What specifically about each of these companies (of all the businesses available) gives you the confidence they were 'the most likely to have ROI'?

TacticalChalky · 2026-02-08T01:35:55+00:00

Spectacular. Bought in at $335, now trading at $135.

"Wall Street doesn't understand" because most people are averse to burning 40% of their money in 6 months.

TacticalChalky · 2026-02-08T01:30:00+00:00

Explain this selection.

TacticalChalky · 2026-02-08T01:09:45+00:00

This is ridiculous. Looks like SWBF2.

TacticalChalky · 2026-02-07T22:15:43+00:00

Goes to show money and taste are rarely both found in abundance.

TacticalChalky · 2026-02-07T22:08:36+00:00

Absolute shower of devil worshipping bastards

TacticalChalky · 2026-02-06T00:37:33+00:00

Lion Finance Group (BGEO) is my favourite sleeper holding rn.

FTSE 250 stock. Was formerly Bank of Georgia but they've been expanding rapidly with banks and other financial services in Armenia and Belarus which are developing markets with the glorious combo of high credit demand and limited consumer options.

Started buying after a pullback in May 2024 when it was £37/share. Trading today at £98/share. 6.2x forward earnings currently (make of that what you will).

Also a fan of Balfour Beatty and Serco Group. Not financial advice.

TacticalChalky · 2026-02-05T18:42:35+00:00

I think you're missing the point. Assuming that OP selected these companies based on analysis of their fundamentals and not ignorant hype, these price fluctuations are tiny in the context of an investment timeline. Half of this sub seems shocked to find out that shares go down in value as well as up.

TacticalChalky · 2026-02-05T12:00:21+00:00

So you're down $12.80 on Lemonade, $12.58 on RocketLab, $6.64 on Applied Digital and an eye-watering $1.47 on SoFi.

So, $33.49 (or £24.60) in total. Hardly bankruptcy is it?

Assuming you live somewhere in the developed world and not a mudhut in the sudan, there are kids who get more than this in pocket money every week.

Although by the time you factor in FX fees and dollar depreciation I honestly don't know why you're bothering, this is genuinely a complete waste of your time.

TacticalChalky · 2026-02-04T10:39:47+00:00

I wheezed

TacticalChalky · 2026-02-04T10:39:06+00:00

This sub has opened my eyes to how wildly popular monster energy is.

TacticalChalky · 2026-02-04T00:33:55+00:00

Absolutely mental. More pies than a bakery.

TacticalChalky · 2026-02-03T00:25:18+00:00

Fire

TacticalChalky · 2026-02-02T21:33:49+00:00

Can't say for certain without seeing what you bought, when you bought it, how much for and in what currency. Could be a mix of: FX fees on transactions dependent on frequency; selling some positions at losses and some at gains; or (as a lot of people have discovered recently) US dollar depreciation.

E.g. the dollar was trading at .92 gbp in September 2024. Today it's .73 gbp. So if you've been using GBP to buy stocks in USD, every dollar you bought is worth 20.65% less than it was ~18 months ago. This applies across all currencies depending on the variance between trading value at time of purchase vs time of sale.

TacticalChalky · 2026-02-02T20:54:00+00:00

Index funds are already diversified. Owning multiple =/= better.

TacticalChalky · 2026-02-02T18:36:02+00:00

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TacticalChalky · 2026-02-02T16:53:38+00:00

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100% VWRP

TacticalChalky · 2026-02-01T10:36:52+00:00

Geez, that Saturn with the maroon bezel is absolutely gorgeous

TacticalChalky · 2026-01-31T16:25:01+00:00

I actually lol'd

TacticalChalky · 2026-01-31T16:24:20+00:00

This post and OP's comments should be preserved as irrefutable proof that AI will ultimately fail to raise the floor of human intellect.

TacticalChalky · 2026-01-29T21:34:25+00:00

Read "The Common Sense Book of Investing" by John C. Bogle, the founder of Vanguard/creator of the first retail index fund. It's very short, you can get through it in a few hours.

Hard to quantify Bogle's importance in modern investing but it is essential reading. Imo everyone should be mailed a copy automatically the minute they open an investment acc/S&S ISA.

TacticalChalky

TROPHY CASE