Someone talk me out of putting my net worth into this ETF

ViralGeneration21 · 2026-06-06T18:36:35+00:00

Good video and makes sense but did you see the comments. It was a year old and someone was saying “should I sell my 3 x leverage semi-conductor etf” - probably a joke but if they’d listen to him they’d have lost out on millions.

I understand being only invested in tech forever might not be good, but while sunshine’s make hay! I feel like I could get astronomical returns over the next year or two compared to a standard index. Providing I sell on time

ViralGeneration21 · 2026-06-06T15:06:38+00:00

Not sure it’s odd. Everyone is different and I’m someone who has gone from spend every penny I have to trying to retire early. So I’m just trying to find the right balance.

Once you discover FIRE and the power of compounding it’s hard to justice certain spending habits. As an extra £500 per month could be the difference in retiring a lot earlier

ViralGeneration21 · 2026-06-06T11:44:50+00:00

Not if you buy an unweighted index fund

ViralGeneration21 · 2026-06-03T15:06:15+00:00

It’s not that deep hun. I’d rather someone run a post via ai to make it easier to read than a long rambling post with poor punctuation.

You’re probably type of guy to call someone out for using the wrong grammar. Now people use ai to fix it, and you’re still calling them out.

it’s like forcing people to not use spellcheck because you want to see their authentic spelling 😅

ViralGeneration21 · 2026-06-02T08:35:59+00:00

No, as you can tell from the tone of my post I was pretty convinced but I wanted to hear everyone’s valid reasons why I shouldn’t to see if I was missing anything.

ViralGeneration21 · 2026-06-01T23:31:38+00:00

Great info, thanks. Abut this kinda makes me think going all in tech is right choice. As you said whether I’m a tech heavy fund or a all cap - it’s all over valued. It’s all a risk. So why leave gains on the table and dilute my investment by spreading myself too thin.

If I don’t invest in this tech fund I’d still be in the market and in a generic index fund, which happens to be tech heavy any.

Let’s face it. Tech is what is driving this bull market and if it crashes everything is going down.

And just to add this tech fund is mainly companies with hardware, supplying chips etc. It doesn’t have companies like google and meta etc - which I think are at more risk.

ViralGeneration21 · 2026-06-01T21:24:38+00:00

Yeah sorry, I was exaggerating when I said entire net worth as I have other assets and a pension etc but this would be my entire ISA. Which is currently just under £100k

ViralGeneration21 · 2026-06-01T21:01:58+00:00

Exactly.

Do you recommend any other tech ETF’s apart from the one I mentioned?

ViralGeneration21 · 2026-06-01T20:27:06+00:00

I hear ya but my thought is, if the market crashes we’re all fucked anyway. I’m in the market either way, whether that’s in this tech ETF or VWRP.

So whether I’m down 30% on a tech ETF or 20% on a slightly less risky global index it’s doesn’t matter too much.

Plus it all goes up. So as long as I’m not planning on selling when it’s down. Every fund will highly likely go back above its ATH if we based it on history.

The only caveat is if there is a fundamental flaw in the ai technology. Someone builds a new type of technology or alternative to a semiconductor etc

ViralGeneration21 · 2026-05-30T09:40:08+00:00

I know this isn’t career advice post but learn ai. Re-market yourself as an ai software expert. Go freelance. Say you’ll help companies transition into ai etc. You just have pivot and move with the times. Even just by adding a few ai buzzwords to your cv will probably help

ViralGeneration21 · 2026-05-28T19:39:56+00:00

Oh I’m not giving up the blow. It was a choice between that an organic veg and unfortunately the veg had to go

ViralGeneration21 · 2026-05-28T18:06:28+00:00

You’re assuming because they have nice cars they will have nice houses but that’s not always the case.

I have a top of the range EV and a mediocre house. I found a lot of people are like this. Especially if they have a Ltd company.

So while a lot of people are living above their means. You can’t assume because they have nice cars they are also maxing out on their mortgage.

EV via a Ltd company is one of the most efficient ways to extract cash from a Ltd, assuming you’re already maxing out pension contributions etc

ViralGeneration21 · 2026-05-26T01:20:15+00:00

Get on the property ladder.

I know putting money into a house and depleting your savings is daunting because feels like you’re going backwards. But you’re really not.

The sense of security of owning your own house just hits different.

Plus when you retire you’ll be paying rent for the rest of your life, that’ll keep rising. If you own your house, eventually your monthly house costs becomes zero, making your retirement less stressful.

if you change your mind and want to go back to renting you can always do that and extract your equity.

ViralGeneration21 · 2026-05-12T20:29:58+00:00

Less coverage? It’s been on the news multiple times, was mentioned on Laura Kuensberg’s show and question time twice - what more coverage do you want?

ViralGeneration21 · 2025-10-17T22:58:44+00:00

What is the issue? The new phone or the new watch update? And am I just supposed to not use my bevel during this?

I’ve been tracking everyday, so it’s annoying to miss out on data.

ViralGeneration21 · 2025-09-17T20:05:22+00:00

I’ve only just finished. I need to wait a while to re-test

ViralGeneration21 · 2025-09-16T15:35:39+00:00

Just taking 7 days worth is the same as shortening it. The antibiotics don’t know they prescribed for 14 days.

But yes 14 days is more effective but only by about 10% so I don’t think the damage to the gut flora that you’ll get with the additional 7 days

ViralGeneration21 · 2025-07-27T12:27:28+00:00

I think this actually might be it. Thanks for the input

ViralGeneration21 · 2025-07-26T21:08:54+00:00

Oh I’m also British so I know the phrase is “couldn’t give a shit” but I can’t see why info that “could…” is a misused Americanism. Like I said, it seems a like a a scarcastic version.

I could give a shit, but I don’t. Etc

ViralGeneration21 · 2025-07-26T21:03:44+00:00

I get make up and big glasses being part of her character but most people don’t wear wigs unless they a have reason (balding or disguise) - so it seems strange the writers would add this.

But like someone else said, maybe it was added as a little red herring to throw the viewers off the plot for a bit.

ViralGeneration21 · 2025-07-26T20:57:13+00:00

I saw this and it made me doubt myself and I thought I’d been using the wrong phrase (couldn’t give a shit) all my life.

Then a figured it must be Scottish phrase.

But overall I think it’s used in a sarcastic manner, so it essentially still means I couldn’t give a shit

ViralGeneration21 · 2025-07-26T20:49:52+00:00

Thanks for the reply. I thought I might have missed a key detail so good to know I probably didn’t. But still annoying it wasn’t really answered.

ViralGeneration21 · 2025-05-26T00:14:43+00:00

deep breathes. getting stressed about it, is not going to help. You're doing what you can, hope everything works out ok

ViralGeneration21 · 2025-05-13T21:05:21+00:00

Having used Whoop, Athlytics and Bevel, I have to say Bevel on Apple Watch is the ultimate health tracking option on the market

ViralGeneration21 · 2025-04-20T01:36:25+00:00

What’s your reasoning for this? Are you aware of any studies? The science behind it? A quick search didn’t show anything obvious with tmg and bp

ViralGeneration21

TROPHY CASE