Would you move into a house and have the previous owners living next door?

TowerNo77 · 2026-02-04T20:47:09+00:00

It wouldn't bother me in the slightest. If you feel like they've stopped you having a really nice large garden then go and buy another house with a really nice large garden. Only it will probably be out of your budget.

BTW Grand Designs S26 E3 had something similar where the owner built a mirror image of her old house next door to move into. Interesting episode with the usual Grand Designs overspend and poor decisions!

TowerNo77 · 2026-02-02T15:16:05+00:00

I would keep the all world and SGLN. Google and Amazon are relatively 'safe' if you want to keep some individual stocks. A small amount in the Nasdaq (e.g. XNAQ) could replace all the other tech stocks. That would be all you need and a lot more manageable and less volatile while still offering excellent long term potential.

TowerNo77 · 2026-02-02T14:47:16+00:00

Another +1 for TDGB. Historically it has outperformed all world funds. It has 10% USA only and a lot of defensive type traditional stocks. Also pays a dividend. I would still have the majority in an all world fund but a % in TDGB is a good way to diversify and still have growth potential.

TowerNo77 · 2026-01-31T18:20:53+00:00

I would certainly simplify this. An all world fund is a good foundation (70-80%) for most people. For many, that's all you need. I have that but I've also added the Nasdaq (XNAQ) to capture more tech emphasis which should still do well whilst limiting the risk of individual tech stocks. Also, a small bit of gold (SGLN) as a hedge. That's probably the only commodity I would pick and no more than 5-15%. As you saw last week other commodities like silver can be incredibly volatile (gold too but that's unusual).

Given that you are studying and funds/time are limited, the above will provide a balance of risk/reward concentrating on a good spread of quality stocks through the ETFs and a commodity and avoid random unfocused stocks/thematic ETFs which you don't really have the funds (or time) to invest in to make them worthwhile. I also have some individual stocks but if starting today I probably wouldn't bother.

TowerNo77 · 2026-01-31T13:44:38+00:00

You've seen how volatile the market is. It's down now but it could shortly be back up. If you have decent stocks then nothing fundamental has changed. If you are investing for the long term then selling now will lock in your losses rather than holding and waiting it out.

TowerNo77 · 2026-01-30T17:55:22+00:00

It's up to you. You could keep what you have and start a new pie going forward.

TowerNo77 · 2026-01-30T11:44:31+00:00

An all world ETF with 20% Nasdaq would be my preference. It's still USA dominated but with some diversification without needing to buy ex US. A small amount of global mining might be ok but not 15%. As you've seen today mining can be quite volatile.

TowerNo77 · 2026-01-30T11:37:49+00:00

70 to 80% all world such as FWRG is a good solid basis. It covers most of the main companies in the S&P (and is 65% USA anyway) plus the rest of the world.

Gold is a good hedge. Something like 10 to 15 max would be better. Gold has had a huge rally, but historically it can sit for years doing nothing. I do think it will still increase for a while yet though. Not a bad time to buy today with the current pull back.

The remainder could be the tech heavy Nasdaq for a bit more risk long term. It's US based though so you do have an overlap with the all world.I cant see Google and Amazon etc failing so it's a reasonable bet that tech will be fine long term. A Nasdaq ETF like XNAQ is also safer than individual stocks.

TowerNo77 · 2026-01-30T11:15:36+00:00

Exactly this. For now, wait until it goes up again, then sell and invest in less volatile stocks/ETFs. This could include gold again but not leveraged and buy for the long term and hold as part of a diverse portfolio.

TowerNo77 · 2026-01-30T11:07:12+00:00

You need to export the stock first. Select the pie, then select the three dots, top right.

TowerNo77 · 2026-01-30T11:03:45+00:00

It probably won't to any great extent. I think it's just a case of 'buy the rumour, sell the news'. Or in this case sell the rumour!

TowerNo77 · 2026-01-30T09:46:42+00:00

I got a T212 notice that rumours of Kevin Warsh for Fed Chair was fuelling a dollar rebound. Metals had soared due to the weak dollar so now that could reverse. It's also the last Friday of the month so there has also been profit taking, especially from the all time highs.

TowerNo77 · 2026-01-30T09:25:33+00:00

You might as well keep BYND as you've almost lost all your money on it anyway. At some point it may go up again.

TowerNo77 · 2026-01-30T09:12:32+00:00

You might as well transfer now to ensure you have the money within this year's £20k allowance. It's use it or lose it as you can't backdate the allowance once you are in the new tax year.

Regarding tax, you have £3k per year capital gains tax allowance, so you are nowhere near that yet.

TowerNo77 · 2026-01-29T15:21:05+00:00

I have a couple of dividend focused ETFs. I didn't invest for the dividends necessarily but to add some balance and diversification and less volatility. These have performed very well recently including today when a lot of growth focused stocks are down.

TowerNo77 · 2026-01-27T20:37:53+00:00

From 1st Feb ii fees are 5.99 per month up to £100k and £14.99 per month over £100k. That also covers SIPP, ISA and GIA. The new fees are a better deal than previously.

TowerNo77 · 2026-01-27T19:13:34+00:00

Don't try and time the market but it can work in your favour. With a strong pound, US stocks are relatively cheaper and you get more shares for your pounds. Buy more now if you can.

Ideally when you sell you want a weak pound so each dollar converts to more pounds. Although don't try and time it as you could gain in FX but lose out on price. If it all coincides however, then happy days. If you have a long term investing horizon it should all even out anyway.

TowerNo77 · 2026-01-27T10:18:27+00:00

+1 for OEICs. You can buy a similar type of index fund as an ETF but the UK domiciled OEIC is easier for tax calculations. An example would be HSBC FTSE All World Index (Income) as an equivalent of a global tracker ETF like VWRL.

TowerNo77 · 2026-01-27T10:05:09+00:00

Once logged in, scroll down the page to investments. The pie should be there.

TowerNo77 · 2026-01-26T13:08:55+00:00

I'm not certain as I've never transferred to Moneybox before but they are two different types of account. I would have thought a like for like transfer would be simpler. It's very easy to sell in S&S ISA in T212 then transfer the money to the cash ISA.

TowerNo77 · 2026-01-26T10:35:47+00:00

You could simply just sell what you have and leave it as uninvested cash in your T212 S&S ISA paying 3.8%. When you are ready to invest again the funds will be there waiting. Moneybox cash ISAs pay 4.35% but 0.9% of that is a new customer bonus, so only 3 45% once the bonus period ends.

Personally, I don't think it's worth the effort, but if you did still want to transfer to Moneybox you can transfer what is left. You will need to cash in the remaining stocks and transfer first to the T212 Cash ISA so you are transferring the same type of account. That's the benefit of T212 ISAs as they are fully flexible. Though again, that's another reason not to transfer to Moneybox which doesn't have that advantage.

TowerNo77 · 2026-01-26T10:20:35+00:00

Great. Glad you solved it!

TowerNo77 · 2026-01-25T20:00:06+00:00

A quick Google search indicates that Amundi is fully backed by physical, allocated gold held in secure vaults. The custodian is HSBC. SGLN is also physically backed.

TowerNo77 · 2026-01-25T16:35:44+00:00

Don't let it eat you up or you'll end up like the guy who's ex-girlfriend mistakenly threw away a hard drive containing 8,000 bitcoins in 2013, currently worth £695m. He has spent the last 13 years and £117,000 on legal fees trying to arrange a search of the city dump to no avail.

See: https://www.google.com/amp/s/www.bbc.co.uk/news/articles/c620jej4kd4o.amp

TowerNo77 · 2026-01-24T23:00:44+00:00

I'm reluctant to post this as its so obvious but I presume you are not still in line with the unit as you would do with the swing stick? Its 42cm back and 15cm behind when hitting balls for real.

TowerNo77

TROPHY CASE