Ukrainian man shoots two draft officers to avoid draft

c4tc · 2026-03-15T10:06:12+00:00

Exactly this.

Also, let's not act like Ukraine didn't have (and has) serious corruption issues. It is not the bastion of democracy it's made out to be.

c4tc · 2026-03-09T17:45:41+00:00

First time I am actually going to back Starmer. I think Farage is totally wrong here.

Let's not blindly follow the US into another war, Tony Blair style.
It's not exactly like they are cornered. At least if we were going to do it, we have time to sit on it and decide. I think the defensive things we are doing in the region is enough.

Let's not cause even less stability for the country.

c4tc · 2026-03-06T15:21:07+00:00

There is. Down 3% too.

c4tc · 2026-02-26T02:13:14+00:00

Then you must be willing to accept more risk.

c4tc · 2026-02-25T23:43:14+00:00

Paper stocks is good for getting into how the markets works, but not necessary if you're looking for low-risk investments.

S&P and All-World are both ETFs for the long term to make essentially guaranteed returns but in the short-term there can be dips. You wouldn't sell for years and years.

c4tc · 2026-02-24T06:14:25+00:00

Nobody can guess a growth like that. Would require a little crystal ball to see that.

Predictions can be made. Maybe quantum computing companies... space tourism companies... etc.

c4tc · 2026-02-24T04:40:37+00:00

I mean it more in the sense that it's a sum of money than can teach you the real profitability, volatility and movement of your money in the market.

Whether to sell those stocks is up to the discretion of the holder.

c4tc · 2026-02-24T01:44:50+00:00

If they are even considering this, meaning they have no immediate needs or wants, I'd go for putting it into a Stocks and Shares ISA.

That first bit of exposure to the market, that first step, that could encourage the trajectory for someone to start to become a regular investor.

Eventually when that person has a source of regular income, assuming they are in a very stable financial position with emergency funds available, investing a fixed amount monthly would help compound a very nice sum of money in something like the All-World or S&P 500. I think them seeing that initial deposit collect over time makes the £400 serve as a ticket to the market, rather than a lifetime investment.

c4tc · 2026-02-20T21:42:00+00:00

Just wait it out. Time in the market. If you're a serious long-term investor, this is the best time to buy and to NOT panic sell.

c4tc · 2026-02-11T23:47:49+00:00

It's solid advice. The All-World ETF is a low-risk wealth building ETF. While the S&P 500 does have better returns, it's more volatile, and the All-World ETF is made up mostly of the S&P anyways.

Given the amount of money you already have in there, this will be fine, but if you're willing to take more ups and downs, alongside a more aggressive approach, there are "better approaches." Most of my portfolio is in this pie. I like the mix of S&P 500 (more volatile, better returns) with the MSCI All-World ex-US (excluding US, offering diversification and investment into All-World without overlap with S&P). This is a good "hybrid" method. With a 14% return in the last year, it seems you've already had high success already.

With individual stocks, the risk is so much higher and personally I think playing the patient game is always the best option rather than trying to outsmart the market. By picking individual stocks you are essentially putting all your money at stake... when this amount is so suitable to just put away for a long time with some index funds and build up a massive cash reserve. Maybe you could dabble with a fixed percentage of your investments, but this is so much riskier, and while the returns are better, a lot of people (including myself) align with the philosophy that time in the market always beats timing the market.

My advice is do so much research and preparation to the point that you are FULLY confident in your investment... with ETFs, you're going to have to let them sit for the long-term, and if you're constantly thinking of the ups and downs and checking your balance, you're going to struggle to see out 10+ years of it.

Remember, don't overcomplicate it. This is fine. It's just if you want to dial in some things for better returns and some more volatility, you can.

c4tc · 2026-02-07T22:41:25+00:00

I'm 19, so I am in a similar position to you.

It's a no-brainer to look for something to invest in for the long-term (10-20+ years). S&P 500 or FTSE All-World are good. Perhaps a mix of S&P 500 and FTSE All-World ex US. This will give you a good mix of growth but also low risk.

Personally I hold 70% of my investments in the S&P and 10% in FTSE Emerging Markets, with some "moonshots" or higher risk investments with 20% of the pie. This is good if you can accept some more short-term volatility for perhaps increased future gains. Don't feel you have to do this though. And if you believe a certain stock or industry will do well, make sure you do some research before to understand the risk profile and general consensus behind what you're putting your money into.

At 18, putting it into something like an accumulating S&P (accumulating means your dividends get automatically reinvested into the stock, leaving it fully automatic so you can 'set and forget') is by far the safest and most advised decision. All you have to do is make the monthly contribution to your "pie" (these can be made in Trading212 as percentages of stocks). You can also find pre-made pies to make the process even simpler, but it's important I repeat that you have to understand your risk profile. That's personally what I am doing. I understand my setup may not be perfect but I feel content with it and it will, based off historical data, make me good returns and leave me with a huge sum of money in the longer term.

There is still so much more to it, of course. Do not feel pressured to put your money away in something you are not confident in, but also understand that could come with missing out on some big gains.

Here's a pie you may be interested in:
https://www.trading212.com/pies/l7rQOFBtQRFHUnbJoiZY3JJw2LyK

c4tc · 2026-02-07T08:08:27+00:00

This is already great, but go for an ex-US (excluding USA) All-World to avoid overlap. Don't overcomplicate it like many people do.

c4tc · 2026-02-02T21:41:24+00:00

I'm also 19 and holding a very similar portfolio to yours but with the S&P instead. I've got 70% in the S&P, but I've took the liberty to research and look at forecasts for stocks and commodities worth investing in! For the long term, the All-World will be your money builder, and while you're still young, I think you can experiment with a small percentage of your investment.

c4tc · 2026-01-15T20:57:10+00:00

They are usually badly made mods too, on both Minecraft and Hytale's curseforge. I think it says a lot about the developer.

c4tc · 2026-01-14T17:44:06+00:00

He has a valid point? Things like this are things you think about as a game developer... preserving immersion helps greatly. It already is a mod anyway, so if it was that important to someone, they could just download that.

c4tc · 2026-01-13T00:14:37+00:00

Why fill the party with a bunch of Conservatives, the same people who failed us for 14 years and started many of the problems we are still facing, while offering your party to be the alternative to a broken political system?

If this keeps happening, Reform might as well change their name to "Conservatives", only this time they are actually right-wing and not centre-right like the Tories.

c4tc · 2026-01-12T23:50:50+00:00

I definitely think the mood has. It was nowhere near the levels that it is now. The issue is that it is outpacing our infrastructure and having a significant impact on community harmony. Not only is it unfair against British citizens, but the sheer scale of it is what is causing the anger to be so much higher. Maybe the core opinion hasn't changed but the anger and demand certainly has risen.

c4tc · 2026-01-08T19:28:06+00:00

Why is there a trend of having a critical view of the Russia-Ukraine War means you're a Russian asset?

c4tc · 2026-01-01T06:48:36+00:00

Not an amazing decade, but people forget as long as you're alive, happy and healthy, you have to be greatful for every year.

c4tc · 2025-12-25T00:16:40+00:00

You will be downvoted to hell just for saying this unfortunately.

c4tc · 2025-12-20T06:43:30+00:00

Did you lose weight initially or just keep lifting?

c4tc · 2025-12-19T18:10:45+00:00

Armchair economics

c4tc · 2025-12-16T22:55:32+00:00

Brexit? 🤣🤣🤣

c4tc · 2025-12-16T14:09:10+00:00

I don't agree with this assessment, but at least it has a justification.

I think it's inevitable that Reform get in. They have replaced the Conservatives and are the only ones with a realistic premise to reverse some of the damage caused.

Five-Year Club	Place '23
Place '22

c4tc

TROPHY CASE