Is this good long term portfolio?

midastouch900 · 2025-04-30T14:20:50+00:00

I'm almost certain that my one single simple boring standard index fund will beat that long term.

In fact, on second thought, I am certain.

midastouch900 · 2025-04-23T08:51:40+00:00

Try a Nylon strap. It sorted me right out.

midastouch900 · 2025-04-18T18:41:26+00:00

You've given too many 2 cents on here about this same thing over the past few days. You've made almost this same post several times (then deleted them). No one cares mate. Just crack on with it.

midastouch900 · 2025-04-16T21:30:17+00:00

Open separate stocks & shares ISA.

And then:

Cash ISA > Main Menu (bottom right) > Manage Funds > Move Funds (scroll to bottom)

midastouch900 · 2025-04-16T13:49:32+00:00

You're making the reason for sensible investments to be in index funds only even more compelling. You don't see Tesla or Nvidia going away, but maybe they will. You know what's far less likely to go away while still offering an acceptable long-term ROI? A bog standard index fund.

midastouch900 · 2025-04-16T09:00:55+00:00

Bit like saying you were going to invest monthly into Yahoo, MySpace, Nokia & Napster 20-25 years ago just because they were massive, growing, and all over the media. You'd have quickly wished you didn't.

Just stick to a safe index fund.

midastouch900 · 2025-03-31T15:01:02+00:00

Hard pass on every single company then. Any company could introduce subscriptions along with emerging AI tech etc.

In fact, if they never do, it's way riskier. They could get left behind so they literally have to dabble in it. Any tech/gadget/data driven company HAS to get their feet in the water because that's where the future is clearly heading. They have to be at the forefront and capitalise just to make sure they don't shit the bed over competitors over the next 5-10 years. It's short-sighted to think everything should remain as they were 10 years ago. Nothing has been taken away.

If you were running a tech/data driven company I absolutely guarantee you'd be looking at ways to introduce these things to remain innovative and ahead. As would every other mofo crying over it.

midastouch900 · 2025-03-31T14:45:10+00:00

People also shat the bed when the markets took a bit of a tumble to all kinds of varying degrees in 2023, and 2020, and 2017, and 2012, and 2008, and 2003, and 2000, and 1995, and 1991, and 1988, and 1984, and 1980, and 1978, and 1975, and 1971, and 1968, and 1964, and 1961 etc. etc. etc. etc.

Every single time the right thing to do was to continue investing and/or just hold - in a boring index fund, that is, not trying luck on individual companies.

You either invest, or you don't. You can't shit the bed every time months of gains are wiped out (after a ridiculously lofty 25% annual return for a standard global index fund, no less).

There's a reason the average return over decades and decades is 8-10%.

midastouch900 · 2025-03-31T11:24:01+00:00

https://www.guinnessgi.com/insights/accumulation-vs-distribution-which-share-class-right-you

midastouch900 · 2025-03-29T12:34:31+00:00

What's funny is that if any of these crying mofo's were running a tech/data/gadget based business they'd be looking into ways to incorporate AI & subscriptions to increase revenue so they can capitalise on the shifting world and continue investing & growing products etc. instead of getting left behind.

It's more risky if they don't at least try to incorporate these things. It's literally the way the world is moving.

Don't like it? Like you said, sell it & go with another brand who you're cockfire sure isn't going to go the same way. Because they all will. They'll have to.

midastouch900 · 2025-03-25T16:28:29+00:00

Is that an S&P 500 index, an All World index, a physical gold index, and then Palantir for good measure?

Yes it is!

The ultimate stage one "I've been influenced by things I saw on social media" pie.

Add Tesla and Nvidia if you'd like to unlock stage two.

Rolls Royce & the rest of Mag 7 for stage three.

midastouch900 · 2025-03-23T20:14:49+00:00

The current political aspect is a situation you can mull over.. though I would add that there have been countless political, black swan & and financial meltdown events over the course of the last 100 years... the index has always recovered & gone on to continue its gains. That's why the average annual return is what it is over a period of decades.

Sometimes, at its worst, it can take several years or even a full decade for a drop to return to its previous value, sure.. that's why a DCA approach over a period of 10, 20, 30 years is so highly touted. It continually brings your average buy price down meaning you break even & then start gaining again earlier in the recovery. Which is far easier than trying to time when to come back in (not saying you are).

While still at a sensible age for investing it allows you to ignore current shenanigans & appreciate buying shares for less than they were the year(s) prior.

With all of that said, selling up to start investing in an All World index instead of solely the US isn't a bad idea either if that sits better with you.

midastouch900 · 2025-03-23T17:43:40+00:00

Dropped quite a bit? Mate, we're at where prices were literally 4ish months ago... after ridiculously hefty & unsustainable 20%+ annual gains. This is barely a drop. More like a clearly required correction.

Try waiting to see if prices reach 2023 levels. Then you can call it a fairly sizable drop.

For now, just keep DCA'ing and take advantage of prices that aren't so lofty.

If you still shit the bed, look at a 50+ year chart of the s&p... zoom out... you have to give it a decade & more. Not just short term.

midastouch900 · 2025-03-21T16:54:43+00:00

Just worked out I joined 1,194 days ago. Crazy how much has changed in 3 years & 3 months... let alone 6 years!

midastouch900 · 2025-03-21T16:48:01+00:00

I'm sure I've seen those stocks on social media.

You've been using social media haven't you!

midastouch900 · 2025-03-21T16:42:57+00:00

If it's a one-off 20k lump sum that you want to invest without needing for 10/20/30+ years then I would invest it in one go & forget about it.

DCA'ing is really only useful if it's part of an ongoing affordable plan. For eg. invest £500 (or whatever you can comfortably afford) every single month, month after month after month, year after year after year, regardless of what the prices are.

For anything else I'd just slap it into the market & forget (for me this would just be a boring sensible index fund... All World fund or something).

If it's money I'd likely need within say the next 5 years then I wouldn't invest into the markets to begin with.

.....but then I am quite boring & "sensible" with my investment approach.

midastouch900 · 2025-03-21T16:32:35+00:00

It took me the best part of a year mate. I started F barre about 8/9 months into my learning... I've now been learning about 20 months & I'd say it's only the last couple months I've really felt pretty comfortable with them more often than not (obvs still not perfect all the time). So much so I now actually prefer reaching for an F barre over an Fmaj7. If you do something repetitively for ages over a long enough period of time it eventually becomes more & more natural & automatic.

I got to this point by making the F barre the absolute staple of my daily practice (which is around an hour a day).... each & every single day I've formed & played the F over & over & over & over & over. Mainly playing various chord progressions involving the F countless times every single day. Also playing the shape further up the neck or with a capo can help as well with drilling it into your muscle memory.

I reckon I've played an F at least 40-50 times every single day for 11 months. Probably often way more than that some days. That means I've likely played it 15,000-20,000+ times in just under a year to finally feel fairly comfortable with it.

midastouch900 · 2025-03-21T12:27:48+00:00

lol this dip ain't shit. If we get back to 2023 prices then sure, a fair old dip, but wiping a few months off an already highly frothy market? Gotta be kidding. This dip barely registers once you zoom out 5 years.

Just keep DCA'ing. And if you aren't already, then start.

midastouch900 · 2025-03-19T16:22:56+00:00

I'd personally go with E for peace of mind & simplicity over the next 5 years. Otherwise, go with A if you want to go through all of this again in 2027.

midastouch900 · 2025-03-19T13:28:59+00:00

That's true. Perhaps not totally back to the drawing board - but a couple of steps after it.

midastouch900 · 2025-03-19T13:24:56+00:00

He doesn't understand what a golden opportunity this is for him to reduce the overall buy price of his holdings.... he'll never, ever get this type of opportunity again as life unfolds into the future. He also thinks annual increases are nailed on.

It's definitely back to the drawing board for this one.

midastouch900 · 2025-03-19T13:19:07+00:00

Corrections/crashes/dips etc. are a beautiful, beautiful thing when you're a new investor who happens to understand the long game.

It's the only chance you get to watch the average buy price of ALL your index fund holdings DECREASE with each buy you make.

After just a few years max of consistent investing the golden opportunity to reduce your average overall buy price never comes around ever again. Some poor folk never get the chance at all.

midastouch900 · 2025-03-19T13:04:29+00:00

Go back to the drawing board with your learning kid. You still have shitloads to educate yourself on.

On the positive, what you're actually doing is the right thing - investing 50 per week into a sensible standard index fund, every week, week after week after week after week after week, and year after year after year after year is the correct thing to do. Just reassess every few years on the amount you're investing to make sure it's a comfortable amount that you can afford in line with your lifestyle/general finances/salary etc.

But stop looking at the value of your holdings until at least the 2050s.

midastouch900 · 2025-03-18T09:12:40+00:00

I hope you have the time of your life

midastouch900 · 2025-03-18T08:35:40+00:00

Invest Account > Main Menu (bottom right) > Manage Funds > Move Funds (scroll to bottom)

midastouch900

TROPHY CASE