Shares/crypto Diary

Sherliarty

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Hi Sherliarty

I tried leaving this until the morning to reply, but my head is just not going to let go until I reply.

The housing market and the stock market are interconnected. Think back to 07/08 when we had the financial crash it was linked to the housing market. Mortgage backed securities, tranches and exotics - you might remember being mentioned? Although it's been a pet interest of mine for many years, so maybe the public were not aware of those words.

Apart from history, there are a number of financial analysts predicting a financial crash. You might have seen a number of video's about it on Youtube? The psychics are also predicting it (I know it's not for everyone but I like to keep an eye on it all ;) ),

I'm no expert in the Crypto market, I'm still very new to it myself and I have a lot more to learn. Although if I was in your shoes, and I was to move a percentage into crypto (my percentage would maybe be a lot bigger than yours) then I'd definitely buy -

Ethereum 40%
Litecoin 40%
Theta 15%
and Dodge 5% (to be converted to Theta once it hits $4ish).

That's not financial advice just what floats my boat from my research.

Of course it's all an individual choice. The crypto market is away to start moving up at the end of the week. It's away to start rising again.

You know, when your reply came through as an alert on my phone the T.V. programme The Drop kept flashing up in my mind, the part where she says 'move the money', 'move the money', so I had to fire up my comp to reply. Now hopefully I'll get to sleep.

Good Luck.
I did use the words 'may not' and I never said they were not interconnected. I actually have a degree in this area!!! Anyway, I liked this thread because the OP shares an interest in the FIRE movement where market crashes are considered to be a buying opportunity rather than something to panic about. The aim is long-term investing not short-term gains or trying to time the market. Good Luck to you too with your Crypto stuff. I have no interest in it beyond the Pi app.
 
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Lily

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I did use the words 'may not' and I never said they were not interconnected. I actually have a degree in this area!!! Anyway, I liked this thread because the OP shares an interest in the FIRE movement where market crashes are considered to be a buying opportunity rather than something to panic about. The aim is long-term investing not short-term gains or trying to time the market. Good Luck to you too with your Crypto stuff. I have no interest in it beyond the Pi app.
My reply was never trying to make you look small or suggest your uneducated or anything like that. I certainly don't see anything in my post that would suggest that either.

No matter what anyone's education is, we are never beyond learning more. I like free flowing communication. Having been through the education system myself you don't learn all world knowledge when there, even in the financial subjects. It's definitely limited.

Of course, we all make our own decisions, and we all have to live with those decisions.

I must stress, I was never trying to force you into Crypto. We make our own choices, and we must respect each other for that.

It's good to be nice to each other.

As I said before - Good Luck!
 
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Sherliarty

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@Arc123 out of interest, do you listen to any of the FIRE podcasts like choose FI or bigger pockets money? I don't listen to them religiously but find them quite motivating every now and again.
 

Frugalgal

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Hi fellow investors,

I have a diversified portfolio in property shares, crypto, stocks and ISA's. I believe in the theory that the more diversified a portfolio you have the more profitable and secure your savings are.

Since I have got into Finance, I see that all these different assets have their pro's and con's. My recent investments into Crypto and Stocks has been a real education but I have learnt a lot from the Internet. I do believe that although Crypto is high risk, it is an exciting place to be at the moment while it is still in early development and is now being taken seriously as a store of value and a utility which is being adopted and used by businesses. With Crypto after having purchased my first coins, I am now staking as many as possible in order to earn the equivalent of good interest on my coins....APY's on crypto which are far better than the interest you can earn on money in a regular bank at the moment.

If you are new to this world, and don't have any money to start investing, I would recommend you sign up to the Exchanges and Free Stock sites which are offering free coins and rewards, many of which have been advertised on this fab website.
 

Arc123

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Shares update-£22881 bit of a drop in last few days but hopefully will recover in the next weeks!
 

Jon

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Shares update-£22881 bit of a drop in last few days but hopefully will recover in the next weeks!
Crikey didn't you have £27k? That's a fairly chunky dip! Does it worry you at all when you see the money going down like that? Has it gone down further before?
 

Arc123

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Crikey didn't you have £27k? That's a fairly chunky dip! Does it worry you at all when you see the money going down like that? Has it gone down further before?
Hey jon,

No at the start/end of june i had £21,778 my goal is 27k by the end of the year and no i don't worry at all about it i am in for the long run and i did have bad march last year when within 2 weeks i was down 7k.
 

Sherliarty

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Crikey didn't you have £27k? That's a fairly chunky dip! Does it worry you at all when you see the money going down like that? Has it gone down further before?
I also don't worry, at start of the pandemic, my portfolio went down 25%, went back up since, it's part and parcel of doing this.
 
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Frugalgal

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Yes, my stocks portfolio is not doing great at the moment. I have recently invested in the the HSBC FTSE 100EFT which I think is a better investment than my separate individual investments, which has companies which are supposed to have good Dividend Stocks and pay passive income. Only just invested so am looking forward to see how this investment does.
 
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Arc123

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Yes, my stocks portfolio is not doing great at the moment. I have recently invested in the the HSBC FTSE 1000 EFT which I think is a better investment than my separate individual investments, which has companies which are supposed to have good Dividend Stocks and pay passive income. Only just invested so am looking forward to see how this investment does.
I always used invested in individual shares but it was so hit and miss ETFs are just the easiest option i have mostly Vanguard ETFs.
 

mikecmr

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I'm having a good return on some of my ETF's 20% last year on 3 of them, some 10% and annoying some 1% but its still better return than most banks, my 400% return on jet2 is a one off though haha!
 

rninja

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@Frugalgal, a ftse100 etf could increase your concentration risk compared to a global tracker. Depending on platform, VWRP is an All-world accumulating tracker ETF.
 

Frugalgal

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These are the ETF's I am thinking of looking at investing in next on FreeTrade as they seem to have good low fees and am told are lower than buying direct from Vanguard.

Vanguard S&P 500 UCITS ETF (ULAG)
Vanguard FTSE 100 (VUKG)
Vanguard FTSE All World ETF (VWRP)

They have a record of giving you an average return of 5-7% per year. After Covid, I think these could be good investments...(Not a Financial Advisor!). The All World one looks interesting, as it does cover world markets as rninja states.
 

Arc123

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These are the ETF's I am thinking of looking at investing in next on FreeTrade as they seem to have good low fees and am told are lower than buying direct from Vanguard.

Vanguard S&P 500 UCITS ETF (ULAG)
Vanguard FTSE 100 (VUKG)
Vanguard FTSE All World ETF (VWRP)

They have a record of giving you an average return of 5-7% per year. After Covid, I think these could be good investments...(Not a Financial Advisor!). The All World one looks interesting, as it does cover world markets as rninja states.
Are they any costs of investing in ETFs on freetrade? Im thinking about opening a vanguard account soon and investing through there as its much cheaper than most platforms.
 

Arc123

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Online money making- £2336 Might even get to £3,000
Dividend-£359 I don't think i will reach my goal this year :(
 

Frugalgal

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Are they any costs of investing in ETFs on freetrade? Im thinking about opening a vanguard account soon and investing through there as its much cheaper than most platforms.
If you look under each investment, it will outline the costs and charges involved in each investment. For the S&P 500 product, there is a transaction cost of 0.0155%, which is cheap compared to many managed funds which may charge 1% or more. Other than that there are no other charges. I heard that it is cheaper to buy through FreeTrade than through Vanguard too.
 

Frugalgal

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If you look under each investment, it will outline the costs and charges involved in each investment. For the S&P 500 product, there is a transaction cost of 0.0155%, which is cheap compared to many managed funds which may charge 1% or more. Other than that there are no other charges. I heard that it is cheaper to buy through FreeTrade than through Vanguard too.
If you are new to FreeTrade check out this limited referral offer of mine, where you can get one free share of between £10-£200 if you sign up between now and 31st Aug.

https://magic.freetrade.io/join/philippa/e77d99d6
 

Arc123

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If you are new to FreeTrade check out this limited referral offer of mine, where you can get one free share of between £10-£200 if you sign up between now and 31st Aug.

https://magic.freetrade.io/join/philippa/e77d99d6
If you look under each investment, it will outline the costs and charges involved in each investment. For the S&P 500 product, there is a transaction cost of 0.0155%, which is cheap compared to many managed funds which may charge 1% or more. Other than that there are no other charges. I heard that it is cheaper to buy through FreeTrade than through Vanguard too.
I meant was they any change for holding the investments through freetrade?
 

Arc123

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End of month share update- £25128
Impressed with the increase been a good month!
 

mikecmr

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i've recently been looking at funds to do with water after watching some things on netflix. i went with a fidelity water fund in the end might be worth looking into if you like to diversify
 
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