Spectacular failure of dabbling in the stock market..

Voyager2002

6022tivo said:

Evraz is pretty much written off for good now? Or ?? 

Best to forget about it for now. Maybe in five years trading will resume and it might turn out to be a profitable asset. It certainly made reasonable amounts of money and paid decent dividends before the war started.

6022tivo

Voyager2002 said:

6022tivo said:

Evraz is pretty much written off for good now? Or ?? 

Best to forget about it for now. Maybe in five years trading will resume and it might turn out to be a profitable asset. It certainly made reasonable amounts of money and paid decent dividends before the war started.

It's been chucked put the FTSE list. Not sure what that means? 

Thrugelmir

6022tivo said:

Voyager2002 said:

6022tivo said:

Evraz is pretty much written off for good now? Or ?? 

Best to forget about it for now. Maybe in five years trading will resume and it might turn out to be a profitable asset. It certainly made reasonable amounts of money and paid decent dividends before the war started.

It's been chucked put the FTSE list. Not sure what that means? 

Companies pay for a premium listing. Has prestige value. Companies themselves agree to far more demanding regulations in doing so. Being removed from the FTSE will also see the share removed from other major indices and as it won't qualify. This then reduces demand for the companies equity i.e. market liquidity. Making raising money far more difficult. 

steampowered

6022tivo said:

I don't like risking my cash.
Have a full Premium Bonds allocation and 6 x full NS&I Index linked (So glad I kept hold of these with what maybe coming). 

Based on the latest inflation figures, your premium bonds and NS&I investments will be down about 7% this year. 

Looking at nominal returns is meaningless. You need to consider inflation. All of your cash faces risk - you can't change that. 

Once you accept that "inflation risk" is just as relevant as "investment risk", you can then start seeing the world for what it is and taking a more sensible attitude to risk. 

Which will probably mean going for medium risk investment funds. Rather than selecting individual shares or selecting high risk investment risk funds. 

masonic

steampowered said:

6022tivo said:

I don't like risking my cash.
Have a full Premium Bonds allocation and 6 x full NS&I Index linked (So glad I kept hold of these with what maybe coming). 

Based on the latest inflation figures, your premium bonds and NS&I investments will be down about 7% this year.

Perhaps the premium bonds, but not the index linked savings certificates.

6022tivo

masonic said:

steampowered said:

6022tivo said:

I don't like risking my cash.
Have a full Premium Bonds allocation and 6 x full NS&I Index linked (So glad I kept hold of these with what maybe coming). 

Based on the latest inflation figures, your premium bonds and NS&I investments will be down about 7% this year.

Perhaps the premium bonds, but not the index linked savings certificates.

Premium bonds are a bit of fun. Had a £500 win last month which covers a bit. My index Linked are doing ok. 
Let's put it this way. A lot better than any stocks and shares bundle has done in the last 6 months. 

I'm quite clearly an amateur, but the salty replies are sometimes toxic on here. 

I salary sacrifice 75% of my salary with my company giving my their NI saving. I guess that's a poor approaches well!! Jesus... 

I'm trying, like just humble in a way, the lack of helpful responses are outstanding here. Like, just people thinking they are better than others. It's crazy. 

Thrugelmir

6022tivo said:

masonic said:

steampowered said:

6022tivo said:

I don't like risking my cash.
Have a full Premium Bonds allocation and 6 x full NS&I Index linked (So glad I kept hold of these with what maybe coming). 

Based on the latest inflation figures, your premium bonds and NS&I investments will be down about 7% this year.

Perhaps the premium bonds, but not the index linked savings certificates.

I'm trying, like just humble in a way, the lack of helpful responses are outstanding here. Like, just people thinking they are better than others. It's crazy. 

Honest assessment. If your portfolio is down 25% in the past year.  Then you need to go back to basics. Consolidate the bulk of your portfolio into one broad multi asset fund. Ensuring it meets your attitude to risk. Been easy in recent years to make money to the stock markets with no skill or understanding at all. Retail investors are renown for overestimating their own abilities. The medium term ahead is likely to very different. Going to come as a shock to many that it ain't easy at all. . 

grumiofoundation

6022tivo said:

masonic said:

steampowered said:

6022tivo said:

I don't like risking my cash.
Have a full Premium Bonds allocation and 6 x full NS&I Index linked (So glad I kept hold of these with what maybe coming). 

Based on the latest inflation figures, your premium bonds and NS&I investments will be down about 7% this year.

Perhaps the premium bonds, but not the index linked savings certificates.

Premium bonds are a bit of fun. Had a £500 win last month which covers a bit. My index Linked are doing ok. 
Let's put it this way. A lot better than any stocks and shares bundle has done in the last 6 months. 

I'm quite clearly an amateur, but the salty replies are sometimes toxic on here. 

I salary sacrifice 75% of my salary with my company giving my their NI saving. I guess that's a poor approaches well!! Jesus... 

I'm trying, like just humble in a way, the lack of helpful responses are outstanding here. Like, just people thinking they are better than others. It's crazy. 

What is your pension invested in? 

You may not be that knowledgeable (although enough knowledge to help a friend 'chuck' money at the 'magical' S and P 500) but considering you have been saying this for over a year across various threads (see below), seemingly ignoring comments that would have helped increase your knowledge or directed you to sources whereby you could increase your knowledge people might be struggling to see the utility in banging the same drum in trying to help? That being said I don't really see the saltiness nor toxicity of any replies tot his thread. 

It's not really clear what you are looking to achieve. You have repeatedly stated  in threads that this money is play money, you understood the risks when you were told you were investing in high risk assets and you could lower your risk by diversifying further. So (genuine question) not really sure what your issue is?


https://forums.moneysavingexpert.com/discussion/6268085/my-s-s-not-going-well/p1
https://forums.moneysavingexpert.com/discussion/6334758/simple-way-to-the-s-p-500/p1
https://forums.moneysavingexpert.com/discussion/6242885/s-s-isa-hsbc-global-strategy-or#latest
https://forums.moneysavingexpert.com/discussion/6238128/new-to-share-isa/p1
https://forums.moneysavingexpert.com/discussion/6240768/how-and-what-to-invest-ii#latest

6022tivo

grumiofoundation said:

6022tivo said:

masonic said:

steampowered said:

6022tivo said:

I don't like risking my cash.
Have a full Premium Bonds allocation and 6 x full NS&I Index linked (So glad I kept hold of these with what maybe coming). 

Based on the latest inflation figures, your premium bonds and NS&I investments will be down about 7% this year.

Perhaps the premium bonds, but not the index linked savings certificates.

Premium bonds are a bit of fun. Had a £500 win last month which covers a bit. My index Linked are doing ok. 
Let's put it this way. A lot better than any stocks and shares bundle has done in the last 6 months. 

I'm quite clearly an amateur, but the salty replies are sometimes toxic on here. 

I salary sacrifice 75% of my salary with my company giving my their NI saving. I guess that's a poor approaches well!! Jesus... 

I'm trying, like just humble in a way, the lack of helpful responses are outstanding here. Like, just people thinking they are better than others. It's crazy. 

What is your pension invested in? 

You may not be that knowledgeable (although enough knowledge to help a friend 'chuck' money at the 'magical' S and P 500) but considering you have been saying this for over a year across various threads (see below), seemingly ignoring comments that would have helped increase your knowledge or directed you to sources whereby you could increase your knowledge people might be struggling to see the utility in banging the same drum in trying to help? That being said I don't really see the saltiness nor toxicity of any replies tot his thread. 

It's not really clear what you are looking to achieve. You have repeatedly stated  in threads that this money is play money, you understood the risks when you were told you were investing in high risk assets and you could lower your risk by diversifying further. So (genuine question) not really sure what your issue is?


https://forums.moneysavingexpert.com/discussion/6268085/my-s-s-not-going-well/p1
https://forums.moneysavingexpert.com/discussion/6334758/simple-way-to-the-s-p-500/p1
https://forums.moneysavingexpert.com/discussion/6242885/s-s-isa-hsbc-global-strategy-or#latest
https://forums.moneysavingexpert.com/discussion/6238128/new-to-share-isa/p1
https://forums.moneysavingexpert.com/discussion/6240768/how-and-what-to-invest-ii#latest

Have two pensions. One is a very good final salary one from back in the day. I've been told to leave as it as its. From my first job +14 years of contributions. 

My last pension in which I salary sacrifice is 12 years of Aviva (was originally friends life I think) , some bundle they look after. I can find out when I log in, and have various options to personalise and pick funds. Based on my very poor choices, I leave them to manage it. I was told by an advisor that came into the company that the fund Aviva use is low fees and good performing and was quite good, but free to change and pick what I want if I want to.. 


The SnP thing was a friend asking me. I linked him to here and he kept to his original account he'd previously setup and has a DD of £100 to them. I'm not involved in that at all. And not that interested. 

I can't remember being told I'm investing in high risk, but take your word for it, fair enough, thanks. 

So based on my investments in my original post. How can I diversity when I pick my next investments?? 

I plan to sell informa when they next peak. 

6022tivo

Thrugelmir said:

6022tivo said:

masonic said:

steampowered said:

6022tivo said:

I don't like risking my cash.
Have a full Premium Bonds allocation and 6 x full NS&I Index linked (So glad I kept hold of these with what maybe coming). 

Based on the latest inflation figures, your premium bonds and NS&I investments will be down about 7% this year.

Perhaps the premium bonds, but not the index linked savings certificates.

I'm trying, like just humble in a way, the lack of helpful responses are outstanding here. Like, just people thinking they are better than others. It's crazy. 

Honest assessment. If your portfolio is down 25% in the past year.  Then you need to go back to basics. Consolidate the bulk of your portfolio into one broad multi asset fund. Ensuring it meets your attitude to risk. Been easy in recent years to make money to the stock markets with no skill or understanding at all. Retail investors are renown for overestimating their own abilities. The medium term ahead is likely to very different. Going to come as a shock to many that it ain't easy at all. . 

I think that's what I'm trying to achieve from my stocks and share ISA with II. 
Sell and reinvest with just one fund that's managed elsewhere without the £9.99 cost and a fee that works out less, if you know what mean? 

Not sure where and how Evraz is handled. Can that be moved to someone else? Or is it just dead and worthless now. 

With regards to risk. My S&S ISA, if I lost it all tomorrow, I'd be fine, so I assume the risk can be high? If that makes sense. 

Apologies for being a bit odd/off with this stuff. 

Thanks and appreciate your reply as well.