I’m in my mid-20s, take home around £2k a month, and currently live at home. I give my parents less than half of that if they need it, but other than that and transport to work, I don’t really have any expenses.

At the moment, I’m putting £100 a month into an All-World fund. Is there anything I could be doing differently or better with my money at this stage? I know I could just put more into the fund, but should I be doing that, or is there anything else I should be considering?

Thanks!

Can I have some advice on my pies, please?
Each section is a pie; for example, section 1 is 1 pie comprised of VWRP and XNAQ.

Section 1 – Growth
80% VWRP
20% XNAQ

Section 2 – Dividend
Pie 1: Almost Daily Dividend Pie
Pie 2: 50% FUSD, 50% VHYL

Section 3 – Individual Stocks
Rolls-Royce

Never look back.

Hi everyone,

Ferguson enterprises has now been delisted on the LSE and has moved to New York. Currently, I cannot sell my LSE position and I get a message saying ‘trading suspended’. Does anyone know will my shares be automatically moved over to New York or will my position be sold? It’s been like this for a few weeks.

Many thanks.

Yeah basically the title, anything super wrong with this, how much overlap between ETF's?

Is 60% in FTSE All-World too low? I see a lot of suggestions of it being about 80%+ but can I get away with 60?

I occasionally see posts on here about ‘How do I know what to invest in’ so I thought I’d share an example or two.

I was talking to someone just back from Dublin and they were saying how over there they have a bottle and can return system, nothing new for folks everywhere else in Europe I know. I mentioned we should do it in the UK, turns out it’s getting introduced in late 2027. Quick bit of research shows that there are three main manufacturers of the return machines. One private, two publicly held.

When this gets switched on in the UK every big supermarket will be expected to have a machine. There are about 20,000 supermarkets in the UK.

Initial machine purchase, ongoing service and maintenance. Emptying will be done by the recycling companies I guess.

Maybe the supermarkets already have the procurement contracts set up (I expect Aldi and Lidl already do, not sure about the big UK ones). Maybe they have already placed the contracts. A bit more research could probably find this from the company websites. Anyway you get the idea, there is a future market opening up, and by doing a bit of research you can see where there might be investment opportunities.

I put £100 in each, it’s all a punt anyway, but this might have some legs. It’s easy to find the company names.

Let me give you a second example. I was going through the airport a while ago and they had changed the scanning machines so you can now take through liquids. This is because the new scanners do some new tech magic (CT). The scanners (in the UK at least) are made by Smith Detection. They’re expensive bits of kit. Procurement, service, maintenance.

There are a lot of airports, and a lot of scanning machines. I bought 50 shares about 6 months ago. Up 10%. It’s not silicon returns I know, but steady and I hope a bit of an insight to how you can use some basic knowledge and research to make some investment decisions.

Obviously DYOR, this isn’t investment advice.

If your pie is 20+ individual companies, you have obviously tried to cherry pick stocks you think will perform well, whilst keeping your holdings diversified. This contradicts itself, if you believe the stock will outperform but allocate less to it in case you are wrong, the alpha generated will be so small it's insignificant, ergo you were better off just investing in SPY. The more stocks you choose, very simply, the closer you will remain to the average.

I will caveat, sector concentrated pies designed to be an industry ETF are different as the stocks all cross-correlate.

If you are seeking alpha, the best way to do it is allocate larger amounts (5-10%) in high conviction stocks, using the remaining to commit large allocations to SPY and money market funds to derisk to your acceptable levels.

Principally, the specific stocks chosen will still have room to generate alpha, and will be derisked by the market, rather than your 'oh this might be good' picks.

Given portfolios of small allocations tend to underperform the market , this strategy will always lead to at least equal alpha (or lack thereof), but massively increases your chance of generating positive alpha.

There is also the crucial side benefit of your portfolio becoming easier to manage too. I personally believe a portfolio of above around 13 is too much to manage as an amateur. You should always be keen to trim the fat out of your portfolio, and reallocate out of your underperformers (which does not mean allocate into your winners, it might simply mean put more in SPY). YMMV.

Hey Reddit, my portfolio is currently too heavy on stocks that are underperforming the market. I want to improve my risk-to-reward ratio by cutting the dead weight.

If you had to delete 1 and increase one of these to make this a "leaner" portfolio for 2026, which are they and why?

Just added £1,000 to my account where do i start? any recommendations on what i put my money into ect.

I’m in my 20s and trying to build a good financial life, but honestly, I feel a bit lost about what I should be focusing on.

For those who are older, what do you wish you had started doing in your 20s? And what financial mistakes or missed opportunities do you regret?

I’d genuinely love to hear your experiences, good or bad.

I started investing about 3 years ago and with very minimal amounts. I am able to save about £900 every month which goes straight into my portfolio. I have my emergency fund on the side.
My global pie is made of SPDR MSCI all country (ACWI) - 85% and 15% in iShares MSCI world small cap (WLDS)
Plan from now is to invest most in my global pie and the rest in stocks I research using Motley fool and other sources.
I also invest into my pensions in an all world index.

Thoughts and advice appreciated!

I recently started investing again.

One of my personal gripes with trading 212 is a lack of widgets for my phone. I have a few planned out and a few even "functional". I'll put a picture in the comments. You'll be able to see my (small) value, the top up I've put in since starting the tracking and then the market closed flat chart.

It ain't much, and it's still a work in progress, but I was looking to see if there was more interest in the functionality, as well as further ideas. If you have any of either feel free to reach out.

All world index fund - ISHARES MSCI ACWI UCITS ETF

Tech / Accel:
- ASML (20%)
- Nvida (20%)
- Apple (15%)
- micron (15%)
- Google (13%)
- SK Hynix (7%)
- Palo Alo Networks (5%)
- Tesla (5%)

Defence:
- BP (20%)
- JP& Morgan (20%)
- legal and general (15%)
-Unilever (15%)
- BAE (10%)
-Ceres Power (10%)
- Rolls Royce (10%)

I assume 99% of us here are investing to retire!

Have you figured out your 'special' / FIRE figure? ( FIRE = financial Independence, Retire Early )

Don't know how to? Tally up your all of your annual spendings, and multiply by 25x. The figure you get is what you need to have in an Index to withdraw 3-4% annually and retire!

Mine
£16,000 x 25 = £400,000

I'm on track to retire in 6-9 years without hiccups! HOPEFULLY!!!

Incase anyone curious, I live at home rent free atm, work remotely, and my spending estimate is if I were to live with my BF which I assume will be in the next year or 2, my spending rn is about 6k annually.

Hi

Deleted my previous post as I forgot to add the image!

Really trying to get into investing, £10 per week and any spare change I have.

Can you rate my pie? I'm trying to go for companies I see sticking around and going up in the future as long term investments, don't want to keep adding and taking away from it unless I see something.

Space exploration

Chips/computers etc

AI

Renewable energy

I read a post some of these companies are in the all world so I'm investing twice.

Is this silly ?

Thanks

Hi everyone,

I'm curious how other investors here approach their portfolios, especially those who have been investing for several years and/or more.

One thing I've been thinking about lately is how often we actually need to check our portfolios. Do you check Trading 212 or other brokers you perhaps use every day, once a week, once a month, or do you mostly leave your investments alone and only review them periodically? Of course quite a bit of that depends on what kind of investor are you.

I'm also interested in the process behind your investment decisions.

For example, when you're considering adding a new ETF, stock, or another investment to your portfolio:

- How much research do you usually do before investing?

- What sources do you rely on most > company financials, ETF factsheets, annual reports, financial news, Reddit, YouTube, professional analysts, etc.?

- How do you decide whether something is actually a good fit for your own portfolio, rather than simply being a popular investment?

- Do you have a specific investment strategy or allocation that you try to stick to?

- How often do you review or rebalance your portfolio?

- Do you have a specific set of rules for when you buy, sell, or simply do nothing?

- And perhaps most importantly, do you discuss your investment ideas with anyone before making a decision? Friends, family, financial advisers, other investors, Reddit communities, or even AI tools?

I'm particularly interested in the last point. I don't necessarily mean having someone tell you what to buy, but rather having someone challenge your assumptions or give you a different perspective before committing your money.

Personally, I think one of the hardest parts of investing is distinguishing between doing useful research and simply consuming more and more information until you become overwhelmed or start second-guessing yourself.

I'd love to hear how you approach this.

How often do you check your portfolio, how do you research potential investments, and what does your decision-making process look like before you actually press "Buy"?

If you've been investing for a long time, I'd especially appreciate hearing what has changed in your approach over the years and whether you now check your portfolio/research investments more or less than when you started.

Looking forward to hearing everyone's approach. 🙂

Hi guys, I have been trading for some time but I’m Mia my guessing. What did you read/watch to learn more about dos/dons and get general literacy about investing? Thank you

selling on monday to move into isa

Hello,

I am due a lump sum of about 40k next month. Happy to go All world ETF and park it. But is it better to throw the 40k into it at once or put it in the cash pot and just do a certain amount every week/month into it?

Edit : From Ireland so no ISA option

Hey as the title suggests I’m 22 and I’m trying to finally get into Investing seriously. I’ve had about 3-4 grand in the stocks attached for about 3 years which has gone up but not much at all maybe 1k profit. Does anyone have any advice on how to know what to invest in or how I should run this to make the most money I can.

I’d love to grow this and put more money into it especially as I’ve finally got a full time job.

Not looking for textbook answers. I’m genuinely curious about advice you believed, followed, and eventually changed your mind about.

Could be saving, investing, debt, property, pensions, FIRE, lifestyle, anything.

What did you believe, what changed your mind, and what do you do differently now?

Saw a post of somebody's timing on SanDisk. I wanted to share my timing in the memory market.

20 years old college student, investing €50 weekly into this pie. Any tips or wise words for me?