30 y.o new to investing

theselfishaltruist

Also consider putting your money into recession proof stock, such as gold, silver, etc.. there are plenty of good funds. I've made 10% in only a month on a gold ETF. I also made 20% on a fund which invests in streaming tech and video games since February. 

I'm just really worried that things like FTSE and S&P500 are going to get a hammering. The US is still getting worse with the pandemic. Asia is picking up and opening up again, so it might be worth spending money on those markets. Vanguard has an emerging market stock which might do okay?

Overall, it is very risky at the moment, but high risk can equal high reward. Be cautious. Diversify. Split your risk. Buy in different sectors. Invest in defensive stock that tends to do well in recession. Get into bond and precious metals (as recessions probably don't affect those). 
But I'm no expert, this is just my amateur opinion.

theselfishaltruist

P3 said:

I have dipped my toe into the water now. Total £724 
I have a few question that it's not making sense to me
1) there are product that have accumulation and income option, which one is better suited? And why? For example ' FTSE Developed World ex-U.K. Equity Index Fund'

2) how to compare which fund is better? What number is the number 1 to look at, what way to comparation?  Is dividends a way to finding a good value product? I am aware that dividends% high might be due to fund value dropped.
My opening post I was doing past performance (obv it's not the future), 
Is it PE ratio? Number of stocks? Median market cap? PB ratio? Return on equity? Earning on growth rate?
3) how many different fund is the magic number? I read between 10-15 and 20 is too much? But as long it's diverse,  does it matter?
£1000 in one fund at 0.40% fee
With £50 with 20 fund at 0.40% fee each is the same right? With no exit/selling fee

Below is what I bought so far, with the value being low, I'm not too fussed whether for now it's right or wrong choice. 

Equity 333.36 46.04%

Fixed Income 238.14 32.89%

LifeStrategy Fund 150 20.72%

Cash 2.5 0.35%

Name Cost Unit

Cash 2.5

Global Momentum Factor UCITS ETF (VMOM) 25.85 1

FTSE Developed World UCITS ETF (VEVE) 48.73 1

Global Minimum Volatility UCITS ETF (VMVL) 25.58 1

FTSE All-World UCITS ETF (VWRL) 65.14 1

FTSE North America UCITS ETF (VNRT) 58.06 1

U.K. Gilt UCITS ETF (VGOV) 26.58 1

USD Treasury Bond UCITS ETF (VUTY) 21.85 1

EUR Eurozone Government Bond UCITS ETF (VETY) 23.33 1

ESG Developed World All Cap Equity Index Fund - Accumulation 10 0.04

FTSE Developed World ex-U.K. Equity Index Fund - Income 50 0.1637

U.S. Equity Index Fund - Accumulation 50 0.1002

LifeStrategy® 100% Equity Fund - Income 100 0.552

USD Corporate 1-3 year Bond UCITS ETF 41.75 1

USD Corporate Bond UCITS ETF (VUCP) 44.63 1

LifeStrategy® 20% Equity Fund - Gross Income 50 0.3476

U.K. Government Bond Index Fund - Income 20 0.13

Global Corporate Bond Index Fund - Hedged Accumulation 20 0.19

Euro Government Bond Index Fund - Hedged Accumulation 20 0.15

Global Bond Index Fund - Hedged Income 20 0.15

lol I didn't see this so ignore above. You spend 700 on all of these? How did you split it up??? 20 in each or something? What about dealer fees??

MaxiRobriguez

theselfishaltruist said:

Also consider putting your money into recession proof stock, such as gold, silver, etc.. there are plenty of good funds. I've made 10% in only a month on a gold ETF. I also made 20% on a fund which invests in streaming tech and video games since February. 

Gold isn't necessarily recession proof. It tends to perform well in such times but would likely suffer if recession came with deflation. Tech and Gold are at complete opposite ends of the investing spectrum too, one is supposedly safe haven, the other is highly valued equity.

Best answer for the vast majority is to be diversified at all times. Carry at least some global equities, bonds, gold and cash, and allocate % based on risk appetite. Don't try and outwit the market if you don't work in the industry because you're playing a game against people who have access to far more data and expertise than you will. 

kinger101

theselfishaltruist said:

Also consider putting your money into recession proof stock, such as gold, silver, etc.. there are plenty of good funds. I've made 10% in only a month on a gold ETF. I also made 20% on a fund which invests in streaming tech and video games since February. 

It's unlikely P3 has a time machine and would be able to go back and invest in that gold EFT and tech fund guaranteeing the same gains.

coyrls

theselfishaltruist said:

I also made 20% on a fund which invests in streaming tech and video games since February.

And what fund would that be?