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Tight_Fist said:Sorry to jump on this thread but I never received my £4o signup offer when I applied last year. Can anyone confirm if they ever received this? I deposited the £400 and met all the criteria for the offer.
ThanksI’m approaching near the end of the 30 days myself, hopefully they pay up.1 -
Alistair31 said:Tight_Fist said:Sorry to jump on this thread but I never received my £4o signup offer when I applied last year. Can anyone confirm if they ever received this? I deposited the £400 and met all the criteria for the offer.
ThanksI’m approaching near the end of the 30 days myself, hopefully they pay up.
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Whats your thoughts on what Wealthify is doing based on your 'risk profile'?
Personally, I don't see the need for 10% in GILTs and 6% in Property. On that basis I think I'll exit and stick it all in HMWO once its done.0 -
I was only ever in it for the cashback so will be withdrawing.0
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DireEmblem said:Whats your thoughts on what Wealthify is doing based on your 'risk profile'?
Personally, I don't see the need for 10% in GILTs and 6% in Property. On that basis I think I'll exit and stick it all in HMWO once its done.
It would probably suit a lot of people who don't want to go and spend time researching their own investment strategy, but you can find cheaper investments via DIY platforms. If the investment is not the sort of thing you're looking for, for a portion of your portfolio, you might as well sell up once you've got your free money and go and buy something that you prefer instead.
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That is the plan. To me, an adventurous portfolio should be about 95% in equity.0
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DireEmblem said:That is the plan. To me, an adventurous portfolio should be about 95% in equity.
You're obviously more 'adventurous' than most. 95% global equity tracker is an investment that can fall in value by 50% over the course of a year or two.
If you only go 80%-100% in the more volatile asset classes then you get an investment that some would still think pretty racy and not much safer (might have an occasional 30-40%+ drop and take a while to recover) but would be enough adventure for most people.
Not to say that a 100% equity investment isn't right for you of course, as everyone has their own attitude to (and capacity for) the falls you see on global trackers.2 -
Yeah well I'm looking at least a 15-20 year timeframe, potentially more, so 100% is good for me. In 5-10 years time I might drop to 80%, then 10-15 years 60%. If the market has dropped significantly when I am looking to rebalance, then I will consider leaving it.0
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Just for info my £40 bonus has appeared as pending this morning as a deposit in the transactions list so presuming it will clear later this week, I opened my account last October.3
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gambleruk said:Just for info my £40 bonus has appeared as pending this morning as a deposit in the transactions list so presuming it will clear later this week, I opened my account last October.
Need to look round now for where to transfer my investment on bonus day +1.0
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