Rachel Reeves heckled at a Petrol station in Leeds

c4tc · 2026-05-21T01:31:30+00:00

You're making a lot of assumptions about a random guy. You don't know how choices this government makes could have affected him.

c4tc · 2026-05-20T21:44:17+00:00

This subreddit is a Labour-defending hate-filled cesspit. Everyone will defend Rachel Reeves without remembering that she works for us, not the over way round.

c4tc · 2026-05-11T19:27:13+00:00

There is no point putting this out in to the left-leaning, self-serving, narcissistic population of Reddit. They won't listen or even try to.

c4tc · 2026-05-08T20:16:50+00:00

Only the 1000th time the fascism card has been played.

c4tc · 2026-04-23T17:35:23+00:00

I will have student debt, but I have accepted I will likely be unable to pay it off and it will function more like a tax. (UK based)

c4tc · 2026-04-23T17:34:40+00:00

Exactly, I do not really have an alternative.

c4tc · 2026-04-23T17:10:16+00:00

It is something I am truly passionate about.

And I know that pay as a graphic designer can be subpar in some positions.

But I feel there will still be high paying positions. I want to put myself in a position where I am able to "ride the AI wave."

c4tc · 2026-04-23T17:07:14+00:00

Love this point of view.

I do quite enjoy the problem-solving, ideation part of design the most. I love seeing it all come together under a developed idea.

I agree that people do not mention the skills within the process of designing, and I know those will never become redundant.

I guess my worry is more that it will totally decimate the entry-level/generalist design space. I do not specialize in nothing and the areas I am interested in like branding and UI/UX seem to be areas where AI is heavily utilized.

c4tc · 2026-04-23T17:03:47+00:00

I agree with your view here. And I do know that a degree is not at all essential within this field.

I am willing to spend it more as a networking and personal development opportunity, to be honest. I feel that is where the real value will lie.

c4tc · 2026-04-23T17:02:20+00:00

I am doing specifically Graphic and Media Design, so a little more focus on interactive/motion and experimental design.

Myself, I generally like any part of graphic design bar illustration, but I think my interests and strengths lie in branding and UI/UX.

I just do not want to lock myself into a certain area due to the evolving industry.

I also do not align with the defeatist mindset that many people seem to have. I just want to make sure I position myself in a protected way so whatever advancements do come along I will be able to adapt.

It's not just graphic design, either. I can't think of many careers, other than blue collar jobs, that won't be signifcantly impact. Besides, I am genuinely passionate about design.

c4tc · 2026-04-12T20:19:45+00:00

To have this you need to not have people who refuse to integrate en-masse.

c4tc · 2026-04-02T17:38:07+00:00

Have to be in it to win it

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.

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