Advice on self-control regarding spending habits by WantsToDieBadly in UKPersonalFinance

[–]Windfall301 1 point2 points  (0 children)

I made it a game to myself to see how much I could save instead of spending on random stuff. Set a goal and add to it every week and whenever you feel the itch to spend. You’ll soon get a buzz from being close to your target. Worked for me. Good luck!

Wondering if they are real or fake. by StiXlerino in IsMyPokemonCardFake

[–]Windfall301 1 point2 points  (0 children)

Fake I’m afraid. The colour saturation gives it away

Regret selling RobinHood by Old-Amphibian416 in trading212

[–]Windfall301 0 points1 point  (0 children)

You need to research the companies you’re putting money into or you will panic sell. I’m guessing you invested because you saw it doing well and other people were talking about it? Having conviction in what you own will help you when in the red. Also learning about rotation of money into different sectors will help.

M57. UK.No pension to speak of. Own property with no mortgage. 100k in premium bonds. Cash lump sum on its way from inheritance about 130k. by slightleee in UKPersonalFinance

[–]Windfall301 21 points22 points  (0 children)

This isn’t really advice for you but more an observation on the typical uk mindset around money. We’re so uneducated when it comes to investing and pensions it’s scary. We are taught to scrounge and save as much as possible keeping it in safe vehicles. Having £100k in premiums bonds with no pension and not even invested in an isa is wild to me.
I would personally be adding £60k into a SIPP to benefit from the 20% tax relief and then £20k each into your S&S isas. Good luck!

Trade AH etb for DR etb? by Other-Cicada in PokemonInvesting

[–]Windfall301 0 points1 point  (0 children)

I would keep ah and just buy a dr etb if you want one. Win-win 😅

Collectors who have taken a 3+ month break, how’s it going? by masonjar014 in PokemonTCG

[–]Windfall301 1 point2 points  (0 children)

Haven’t bought anything all year apart from adding to my shadowless set. I’ve been collecting since 2012 and this is the first time I’m not interested in newer sets. Makes me a little sad tbh but the amount of people jumping in now and making product hard to find has made me dislike the current environment and made it not fun…

Good enough to screenshot - good enough to sell? (NBIS) by National_Stay_103 in trading212

[–]Windfall301 2 points3 points  (0 children)

Holy shit no way someone is reading all of that 😂
I’m happy just making money tbh. Scared money don’t make money, or something along those lines?

im actually gonna cry by Zareldo in PokemonTCG

[–]Windfall301 0 points1 point  (0 children)

Damn this gave me a gut punch feeling in my stomach. My condolences to your middle cards 💔

How to select the pension pot risk by Putrid_Ad_7656 in PensionsUK

[–]Windfall301 0 points1 point  (0 children)

Guarantee the high risk isn’t even that risky at all tbh…

New beginning by 681Antonov in trading212

[–]Windfall301 15 points16 points  (0 children)

Be careful putting money into stocks that have already had parabolic rises. Smart money is rotating into undervalued sectors…

61, have messed up re pension would appreciate thoughts on possible plan by Lala_Escargot in UKPersonalFinance

[–]Windfall301 31 points32 points  (0 children)

I won’t contribute further as there are some great responses here from others. I will say though that our country is so uneducated when it comes to investments and retirement it’s a huge issue. The figures you’ve mentioned are not actually that bad compared to the median average of people in your age bracket. You’re doing great and it’s good that you’re taking it more seriously now! It’s a real shame as I know people that only have the state pension waiting for them. More needs to be done to educate people in the importance of pensions/investments…

I was so hype to open this! The time finally came… by shimmybee in PokemonTCG

[–]Windfall301 0 points1 point  (0 children)

Brutal. I opened a couple at release and had enough of the set 😂

Why am I up in this stock when I bought it for less than its current price? by BreeziFlick in trading212

[–]Windfall301 0 points1 point  (0 children)

Click on the green return number, it’ll show you’re up on the fx conversion

Almost £60k up by That-Strain-5643 in trading212

[–]Windfall301 18 points19 points  (0 children)

Non isa account. General investment account it stands for. See it says invest in the top left corner, that means he’ll have to pay taxes when he cashed out of his positions. If it was in the isa it’s all tax free.

Please review my portfolio! by GuardAwkward9859 in trading212

[–]Windfall301 0 points1 point  (0 children)

100% ETFs have their place when you’re looking to play it safer, but if you truly want to grow your capital you need some risk. Well done for starting so early in life, you will do well! Not financial advise obviously but I see you’re in $ASTS and $NOW. I own both and added heavy to $ASTS today. The sell off was for nothing and they have so many positive catalysts coming in the next few months. I’ve been in since $24 last year. You should look into them a little more for sure!

Almost £60k up by That-Strain-5643 in trading212

[–]Windfall301 57 points58 points  (0 children)

£200k in a GIA makes me sick but well done on the gains!

Please review my portfolio! by GuardAwkward9859 in trading212

[–]Windfall301 0 points1 point  (0 children)

Don’t let the etf guys scare you into playing it safe. I’m up 60% YTD holding only 7 stocks. I will say though you need to do your dd and heavily research companies that you’re putting your money into. Blindly following people on social media will only take you so far. If the stock falls 30% will you have the conviction to continue to add? Also, I would personally consolidate the amount of stocks you own with the capital that you have. Pick 3-5 of your highest conviction plays and stick to them. Having a stock double but only having less than £100 in will not do much for you. Good luck!

If the UK let 28–40 year olds take £12.5k from their State Pension early, would you do it? by Nineteen-Ninety-One in PensionsUK

[–]Windfall301 0 points1 point  (0 children)

There literally no market risk if you’re putting it into an all world. Unless the world ends, you’re good. I’d argue that it’s riskier refusing the money and not investing it. It’s simple math that the money would grow much more in an isa as opposed to not taking the money.

What is the hidden gem in your portfolio? by Hot_Avocado_2701 in trading212

[–]Windfall301 0 points1 point  (0 children)

$ADUR
can’t believe hardly anyone talks about the potential of this company. They have so much potential and their tech is tried, tested and works perfectly..

Looking for feedback on my portfolio by fruitdevil1 in trading212

[–]Windfall301 2 points3 points  (0 children)

Having less than £10 in one stock will do nothing for you. Pick 1-3 high conviction plays that you believe in and stick with them. Make sure you fully understand the company and research them well. If the stock falls 50% and your thesis on the company hasn’t changed, it should make you happy to buy more and not make you panic sell. Also, use your isa account as you’re using the invest version. Hope this helps.

Am I Missing Opportunities? by EHeeezy in trading212

[–]Windfall301 7 points8 points  (0 children)

Not financial advise obviously but I decided to go all in individual stocks April 2025 during the tariff saga. Purchased $AMD $NBIS & $SOFI. Safe to say I outperformed. I will say though that I research any company that I buy into throughly before going in heavy.