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Investment management

RobHT
Posts: 348 Forumite

Hi,
even if in hard moments, I decided to invest.
Currently learning all the needful, in the meanwhile, I've done the easy part:
* The goal is do not park my money in my bank account every month, so I decided to invest, what I'm investing is what I can even 100% lose, so not bad ah? I think this is the starting point.
All you see above is managed by Vanguard, so, they do the job for me regarding LifeStrategy.
* Alongside, I would like to choose something more, where the knowledge permit, what do you suggest? (considering that I didn't put all my capital in Vanguard)
The idea is blue chip companies, I work in IT so that would be my playground, but let's be serious, they are in a big bubble and I don't know how to read entirely the balance sheet etc, I see potential mistakes here.
On the other side, one day I need to start anyway.
* Which books do you recommend to get strong knowledge?
Currently in plan: The Intelligent Investor
* There is a chance also for day trade, or similar short time frames, but I think I wouldn't have the time to follow up, too much time consuming and very high risk anyway.
even if in hard moments, I decided to invest.
Currently learning all the needful, in the meanwhile, I've done the easy part:
Holdings | Current weight |
LifeStrategy 40% Equity Fund - Accumulation | 12.59 |
LifeStrategy 60% Equity Fund - Accumulation | 12.55 |
LifeStrategy 80% Equity Fund - Accumulation | 12.51 |
FTSE 100 UCITS ETF (VUKE) | 12.01 |
FTSE 250 UCITS ETF (VMID) | 12.09 |
FTSE All-World UCITS ETF (VWRL) | 12.28 |
S&P 500 UCITS ETF (VUSA) | 11.88 |
U.S. Equity Index Fund - Accumulation | 12.52 |
SUM |
98.43 |
* The goal is do not park my money in my bank account every month, so I decided to invest, what I'm investing is what I can even 100% lose, so not bad ah? I think this is the starting point.
All you see above is managed by Vanguard, so, they do the job for me regarding LifeStrategy.
* Alongside, I would like to choose something more, where the knowledge permit, what do you suggest? (considering that I didn't put all my capital in Vanguard)
The idea is blue chip companies, I work in IT so that would be my playground, but let's be serious, they are in a big bubble and I don't know how to read entirely the balance sheet etc, I see potential mistakes here.
On the other side, one day I need to start anyway.
* Which books do you recommend to get strong knowledge?
Currently in plan: The Intelligent Investor
* There is a chance also for day trade, or similar short time frames, but I think I wouldn't have the time to follow up, too much time consuming and very high risk anyway.
0
Comments
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Every month I feed all these funds.
But these 2 receive double monthly top up.LifeStrategy 60% Equity Fund - Accumulation 12.55 LifeStrategy 80% Equity Fund - Accumulation 12.51
My question is: how do I determine when to buy with these long term plan investments?
Should I just setup a direct debit or should I decide based on some criteria?
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RobHT said:or should I decide based on some criteria?7
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Why do you hold so many different funds? Most of these would just duplicate what the life strategy funds do as that is what they invest in?
As regards your contribution question it is easy to set up a direct debit for whatever date each month and then you can always do adhoc payments whenever u like on top1 -
RobHT said:Every month I feed all these funds.
But these 2 receive double monthly top up.LifeStrategy 60% Equity Fund - Accumulation 12.55 LifeStrategy 80% Equity Fund - Accumulation 12.51
My question is: how do I determine when to buy with these long term plan investments?
Should I just setup a direct debit or should I decide based on some criteria?2 -
The selection is a mess. no structure and picking multiple VLS funds is pointless. Its like you decided to spread it across random funds offered by Vanguard.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.3
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I would ditch 7 of those and choose a single Lifestrategy
4 -
First of all, thanks to everyone, I'm gonna reply soon to your messages.
Another idea was to invest in bank stocks, they are in complete crash in UK, apparently, no one paid loans back.
But as long as daddy will print money again, it should go up again, this is something I consider high risk because of the bank figure, but I quite trust that the people will pay back rather than go in serious troubles, + the economy is ramping up to the previous level.
I would sell as soon as reaches out the previous value, looking graphs, they just mess up rather than grow.0 -
As you've got roughly same amounts in LS40, LS60 & LS80, the LS40 & LS80 average out into LS60, so you might as well move your LS40 & LS80 accounts into LS60 unless there's a specific reason you want them separate0
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Another idea was to invest in bank stocks,
If the UK and EU are heading into Japanification, the last place you want to be is the banks.
they are in complete crash in UKNo they are not.
, apparently, no one paid loans back.How do you explain those that are?
I would sell as soon as reaches out the previous value, looking graphs, they just mess up rather than grow.And if Japanification happens, you will have a long wait.
If you are going to hold shares, then you should never hold a single sector and you really need to have a reasonable understanding of economics.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.2 -
Why mix VLS with other Vanguard specific US funds ?0
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