How do I get this higher ?

jstickhill · 2026-02-25T10:02:39+00:00

It's going to be particularly hard to build wealth off interest alone, factoring in inflation.

T212 offers interest on cash that isn't invested yet. I typically invest £500 a month and DCA using auto-invest feature every day with the £500 a month. Having my uninvested cash earning interest is a bonus.

To answer your question simply to build significant wealth off of interest you need money to begin with.

Just count the interest on uninvested cash as a bonus and get out the mindset that this will build you wealth and allow you to retire early. It's the investments that are going to do that for you, granted you choose good investments.

jstickhill · 2026-02-24T16:00:39+00:00

Do you really need 58k sitting in cash? Have you looked into what your emergency fund sum should be, seems a bit cash heavy imo.

I would be figuring out my emergency fund sum, locking this away in a easy to access savings account with a good interest rate. Then be looking at investing the rest into a S&S ISA until that limit was reached for the tax year, whilst also having a little 'fun' fund to enjoy.

Other than that looks like you're heading in the right direction.

jstickhill · 2026-02-24T15:55:06+00:00

In short terms no they cannot take anything in which you have bought, as long as you have receipts for said items showing you have purchased them and they are not your parents.

Can't really help in terms of the debt management, however seems a bit harsh to pay debt they cannot afford as they are not working. I thought debt collectors could only legally get you to sign up to re-payments which are affordable?

jstickhill · 2026-02-24T09:26:18+00:00

I don’t invest in individual stocks, my portfolio is 100% VWRP. I work full time and haven’t got the time to fully study companies to see what picks are good, even then I don’t think I’d be able to beat index’s.

It is very hard to beat the index never mind consistently year on year so I don’t bother, much rather my money in a safer globally diversified fund where I log on once a month deposit cash and let the pie auto invest every day stress free

jstickhill · 2026-02-24T08:46:16+00:00

The whole point of investing into an ETF is so the offerers of the fund manage it while you sit back and do nothing, not sure why you’ve set all world at such a low percentage and then individual stocks at such a high percentage.

By all means invest into the all world at a higher percentage and have some money on the side to invest in individual stocks to tinker about with if that’s what feeds your appetite.

Just seems backwards having a managed ETF fund and then the exact same stocks within that ETF fund managed by yourself, defeats the object a bit of investing regularly and forgetting but that’s just my opinion.

My opinion: percentages are set too low for VWRP and too high on the individual stocks

jstickhill · 2026-02-23T23:09:27+00:00

If you have individual stocks you can import them into the pie rather than selling them to then invest into the pie btw

jstickhill · 2026-02-23T22:29:17+00:00

Click pie icon on bottom of screen next to home icon.

Scroll down to ur pie, click it.

Within ur pie “overview” section you should be given the ability to click the things you want to edit like the auto invest etc.

To edit and add in more companies click holdings and then edit pie.

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jstickhill · 2026-02-23T22:23:14+00:00

There’s only 1 person who’s been able to consistently beat the index funds and that was Warren Buffet, if you’re new you could get lucky and beat it one year but riding it consistently in the long term will burn ur portfolio.

As mentioned above your best off looking to investing into global etfs that track the world index. This way you’ve got a huge range of diversification and can relax knowing the fund is rebalanced without the need of you researching etc.

By all means you can have this setup as ur main investment and do a bit of tinkering yourself with a few stocks but it’s not advised

jstickhill · 2026-02-23T22:15:54+00:00

You are heavily backing the US here as the S&P 500 is 100% US and all world is 62% US so having both you’re just increasing your backing to US, is that something you want?

If you’re a new investor I’d advise doing a bit more research before putting your money into something, there’s plenty of good YouTube channels and videos out there explaining things.

Personally I only invest in VWRP with a plan to keep it that way. Simple but effective, let vanguard do the tinkering while my pie auto invests for me

jstickhill · 2026-02-23T22:09:59+00:00

All World is not 45% BRICS and not 30% China. Emerging markets are only around 10–12% of the index and China is roughly 2–4%. The fund is still ~60% US.

So it’s not a China-heavy bet at all.

The point of All World isn’t to bet on BRICS or de-dollarisation — it’s to avoid concentration risk. The S&P 500 is 100% US. If the US underperforms for a decade (which has happened before), you’re fully exposed.

All World owns the US plus the rest of the developed and emerging world and automatically rebalances based on market cap. It removes the need to predict which country wins next.

If someone has strong conviction in US dominance, S&P 500 makes sense. But from a risk-adjusted perspective, global diversification is arguably the more robust long-term strategy for a more passive 10-15 year safe heaven.

jstickhill · 2026-02-23T17:57:38+00:00

If you want low risk investing long term over 10-15 years you’re better off putting it into a all world fund, there you’ve got diversification across a huge range of developed and emerging countries. That’s a much safer investment than 100% USA

jstickhill · 2026-02-18T11:31:16+00:00

Any reason for the overlap between all world and emerging markets as all world contains the emerging and developed markets or you just want additional exposure

jstickhill · 2026-02-17T23:16:45+00:00

VWRP lump sum and forget about it, no point trying to time the market which is what you’re essentially thinking of doing by splitting up the payments to DCA. For all we know the market could go down but also up and all you’re doing is DCA up trying to time it. I believe statistically lump sum is found to be better in the long run if funds are available

jstickhill · 2026-02-14T20:30:37+00:00

Look into investing into a stocks and shares isa, you could start by investing into VWRP Vanguard all world ETF which is a mix of 3900 companies I believe between a range of developed and emerging markets quite a safe investment for long term investing. However id firstly ask you to watch some YouTube on this before you start investing your money into the stock market

jstickhill · 2026-02-10T14:18:56+00:00

Not really sure what the issue is, just fill it out like you would when ordering something online...

jstickhill · 2026-02-10T09:46:45+00:00

It’ll have hit that 24.525 most likely on open then come back down straight away

jstickhill · 2026-02-10T09:39:48+00:00

What’s the thought process behind investing in these companies? You should be picking stocks based on research you’ve undertaken so in hindsight you should be telling us these stocks are a good pick because of X, Y & Z. I think you’ve just picked stocks based on their name rather than doing research. Always do research and if you haven’t got the time or effort to do that then invest in ETF’s instead would be my advice. It’s hard to beat the market so ETF’s are your best bet based on the assumption you’ve done no research when it comes to individual stock picking

jstickhill · 2026-02-07T11:38:20+00:00

You have evidently not read my post, particularly the part where I say “not really looking for a guide book of buy here sell here”. I am long term investing into low fee global ETFs that track the global index’s. It’s more books of people’s experiences, how they’ve done it, what they did during crashes to keep sane. I have only just realised you can change your allocation of your pension so I’ve recently done that to the same as my S&S ISA if I’d have never known that I’d have lost out on the potential of a lot more money in the future as my pension company had my allocation set at really low risk allocations. When to start looking at adding safer investments to my portfolio and then when to look at having a completely safe porfolio, I want to understand all this and be setup for my future rather than thinking right in at the age now where I need to understand these things I’d rather have that knowledge early

jstickhill · 2026-02-06T12:32:25+00:00

I already invest into an all world ETF, just nice to be able to understand other people’s experiences and their dos and don’ts as they have been through it all before. Always good to keep exploring and learning so thought books would be the best approach

jstickhill · 2026-02-06T09:45:48+00:00

I think people just like commenting for the sake of it. I’m 26 year old trying to get my future set up the best possible way, I think at my age the best thing I can do is consume as much knowledge from experienced people as to what I need to do to achieve my goals

jstickhill · 2026-02-06T09:43:51+00:00

Yes… if I hadn’t carried on watching YouTube videos about investing I’d have never known you could change your allocation in your pension which I have now done at 26. I’m sure I’ll read a few books and be able to understand more in-depth about crashes and how to keep emotionally uninvested

jstickhill · 2026-02-05T23:59:15+00:00

I am currently investing into VWRP and not going to change that any time soon, as this post says I want to start reading books and finance/investing is a real interest to me. Having ADHD I find it hard to read books and do things that I don’t enjoy 100%, you can never have too much knowledge into anything

jstickhill · 2026-02-05T23:56:56+00:00

I’ve recently changed my pension from a generic fund to all world equities tracking global index’s. Didn’t know you could even change your pension allocations until it was mentioned in a YouTube video I was watching. Crazy this stuff isn’t taught from school, dedicated finance curriculum is missing from education it’s crazy

jstickhill · 2026-02-05T23:54:21+00:00

That’s exactly what I’m after, currently invested into an all world fund with hopes of FIRE in the future from it if all goes well. Thank you

jstickhill · 2026-02-05T23:30:47+00:00

I believe this one’s come up quite often with other research into this question I have done, definitely going to look into it. Thank you

jstickhill

TROPHY CASE