S&S ISA platform Funds, Shares, ETF, IT

inkypinky999

InvesterJones said:

However we can speak generally.

What sectors/areas are you interested in investing in with the funds? At the moment it looks like you've got very broad funds together with specific shares. There's also a middle ground where you have funds that target particular areas, so not as specific as day trading shares, but more specific than global funds - and you can of course choose between passive trackers and active management.

thank you @inves@InvesterJones I will sound silly but I am not sure which sectors/areas to target [I understand that no one can give advice here and my investments is my decisions and I am responsible for the risk associated] , I have a general question which funds/sectors people here are invested in so I can do my own research and decide

inkypinky999

grumiofoundation said:

sure about that - OP says 4-8 week to 4-5/month - not clear what exactly this means but use of / implies 4-5 per month - which would be fees of over £200 per year based on £5 per trade.

 i sometimes do 4-8 trades / week and sometimes it's 1-2 trades/week, i am looking somewhere an average of 15 trades/month

Albermarle

inkypinky999 said:

grumiofoundation said:

sure about that - OP says 4-8 week to 4-5/month - not clear what exactly this means but use of / implies 4-5 per month - which would be fees of over £200 per year based on £5 per trade.

 i sometimes do 4-8 trades / week and sometimes it's 1-2 trades/week, i am looking somewhere an average of 15 trades/month

I have a general question which funds/sectors people here are invested in so I can do my own research and decide

It is probably worth you knowing that most of the regular posters on this forum probably don't do 8 trades a year, never mind a week . 

inkypinky999

Albermarle said:

inkypinky999 said:

grumiofoundation said:

sure about that - OP says 4-8 week to 4-5/month - not clear what exactly this means but use of / implies 4-5 per month - which would be fees of over £200 per year based on £5 per trade.

 i sometimes do 4-8 trades / week and sometimes it's 1-2 trades/week, i am looking somewhere an average of 15 trades/month

I have a general question which funds/sectors people here are invested in so I can do my own research and decide

It is probably worth you knowing that most of the regular posters on this forum probably don't do 8 trades a year, never mind a week . 

thanks @Albermarle that's why I am here to understand how regular investors are trading, i am more than willing to change my approach, no harm in asking what is better approach and no shame for me to change my approach

grumiofoundation

inkypinky999 said:

Albermarle said:

inkypinky999 said:

grumiofoundation said:

sure about that - OP says 4-8 week to 4-5/month - not clear what exactly this means but use of / implies 4-5 per month - which would be fees of over £200 per year based on £5 per trade.

 i sometimes do 4-8 trades / week and sometimes it's 1-2 trades/week, i am looking somewhere an average of 15 trades/month

I have a general question which funds/sectors people here are invested in so I can do my own research and decide

It is probably worth you knowing that most of the regular posters on this forum probably don't do 8 trades a year, never mind a week . 

thanks @Albermarle that's why I am here to understand how regular investors are trading, i am more than willing to change my approach, no harm in asking what is better approach and no shame for me to change my approach

Well maybe true first question is why are you trading so often? 

Have you actually made more trading than you would have simply by buying and holding? If so how confident are you this will continue? 

As poster above says think most posters don’t trade anywhere near as often as you, rather buy and hold investments. 

inkypinky999

grumiofoundation said:

inkypinky999 said:

Albermarle said:

inkypinky999 said:

grumiofoundation said:

sure about that - OP says 4-8 week to 4-5/month - not clear what exactly this means but use of / implies 4-5 per month - which would be fees of over £200 per year based on £5 per trade.

 i sometimes do 4-8 trades / week and sometimes it's 1-2 trades/week, i am looking somewhere an average of 15 trades/month

I have a general question which funds/sectors people here are invested in so I can do my own research and decide

It is probably worth you knowing that most of the regular posters on this forum probably don't do 8 trades a year, never mind a week . 

thanks @Albermarle that's why I am here to understand how regular investors are trading, i am more than willing to change my approach, no harm in asking what is better approach and no shame for me to change my approach

Well maybe true first question is why are you trading so often? 

Have you actually made more trading than you would have simply by buying and holding? If so how confident are you this will continue? 

As poster above says think most posters don’t trade anywhere near as often as you, rather buy and hold investments. 

with frequent trades i have made some return but feel they are too risky, on other hand with funds i have been regularly investing like £100/week so with 3 funds goes to around 3 trades for funds/week and then on top trading shares where i see some movement, my trades are more tilted towards funds than shares

george4064

OP, I feel that you need to decide what you want before making any changes.

You seem to have your investments spread across Fidelity, Vanguard and Trading212. You need to decide what portfolio you’re targeting overall, then decide how to split them across the platforms. Or if you decide to simplify things, consolidate and reduce your trading activity as it’s probably not yielding you much benefit, in terms of higher returns than simply buy and hold.

If you are indeed trading in and out of funds, it’s pretty pointless as it usually takes a while for fund trades to complete. So you’ll frequently be sitting in cash whilst you trade in and out of them, whilst I don’t condone short term trading you’d be better off making short term trades via listed securities than daily traded funds (unit trusts/OEICs).

tebbins

inkypinky999 said:

grumiofoundation said:

inkypinky999 said:

Albermarle said:

inkypinky999 said:

grumiofoundation said:

sure about that - OP says 4-8 week to 4-5/month - not clear what exactly this means but use of / implies 4-5 per month - which would be fees of over £200 per year based on £5 per trade.

 i sometimes do 4-8 trades / week and sometimes it's 1-2 trades/week, i am looking somewhere an average of 15 trades/month

I have a general question which funds/sectors people here are invested in so I can do my own research and decide

It is probably worth you knowing that most of the regular posters on this forum probably don't do 8 trades a year, never mind a week . 

thanks @Albermarle that's why I am here to understand how regular investors are trading, i am more than willing to change my approach, no harm in asking what is better approach and no shame for me to change my approach

Well maybe true first question is why are you trading so often? 

Have you actually made more trading than you would have simply by buying and holding? If so how confident are you this will continue? 

As poster above says think most posters don’t trade anywhere near as often as you, rather buy and hold investments. 

with frequent trades i have made some return but feel they are too risky, on other hand with funds i have been regularly investing like £100/week so with 3 funds goes to around 3 trades for funds/week and then on top trading shares where i see some movement, my trades are more tilted towards funds than shares

Weekly is considered frequent. For most people, putting some money away monthly is more than often enough. Doing it weekly has little to no benefit over doing it monthly and depending on the platform you may be racking up dealing charges unnecessarily.

matt1983

Albermarle said:

inkypinky999 said:

grumiofoundation said:

sure about that - OP says 4-8 week to 4-5/month - not clear what exactly this means but use of / implies 4-5 per month - which would be fees of over £200 per year based on £5 per trade.

 i sometimes do 4-8 trades / week and sometimes it's 1-2 trades/week, i am looking somewhere an average of 15 trades/month

I have a general question which funds/sectors people here are invested in so I can do my own research and decide

It is probably worth you knowing that most of the regular posters on this forum probably don't do 8 trades a year, never mind a week . 

Whats your definition of a trade?

tebbins

General wisdom in the forum is if you have money to invest, first look at your financial situation, and what that money can help you achieve - pay off the mortgage, pension provision, home improvement, help family etc.
A good starting point for newer investors are multi-asset funds, or funds-of-funds such as Vanguard's Lifestrategy and HSBC's Global Strategy ranges. These provide you with a "complete" portfolio in a single fund and most deliver reassuringly average performance.

Monevator.com/passive-fund-of-funds-the-rivals/