Trading the stockmarket (NO Referrals)

Tram said:
Your better off repayment with overpayment, never take a risk on your own home or Mortgage
If you have any leftover you could take the risk.

I buy shares but leave upto 70% of the profits as shares and take out the capital and some profits. This way I grow my cash and get dividends from the shares. Let's say I buy abc I make 2000k profit I take out £500 to £1k along with my original investment, the rest I leave as shares. I gain from interest on capital , dividends and my capital grows ( yes it does grow at a slower rate). I then buy the same share if I feel it's time to buy . Each rinse and repeat I am investing what I took out last time plus my divs( which are always increasing )and what I put in monthly from. A direct debit. So my capital, div paymey and shares constantly grow.

I do these to reduce my exposure to crashes, I cant completely reduce exposure but my original capital stays locked in for shorter periods.

As I am constantly toping up my shares that provide dividends, i top up between 200 to 2k shares a trade.

So both sides of my investments are growing, this helps protect my cash and allows me to try and catch large drops or crashes because my money is only tied for shorter periods.

My main aim to accumulated shares to receive higher divs payments without sacrificing and same time reducing the chance of a crash impacting my original money that I paid in.
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I agree with the mortgage part but after that it just become vague talk of unnamed shares ,i skip over these posts , there's only a few of us give some sort of proof or even a post on the day you buy the shares ,its a bit of a my dad drives a Bugatti school talk BS background noise to me and its ruined the thread

edit / i sound harsh ,maybe cynical in my older age and all the quoted may be true , i just wish people would name their investments is all
 
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the investing over paying off the mortgage thing wouldn't have worked for me , i have always been bottom rung to 1st one up job wise so ended up being topped up with tax credits
(my ex was pt time) there was a 6k ceiling on this , my youngest (dr now senior strategist) ended up with grants and bursaries instead of loams ,ema at 6th form (when it was a thing)
who shouted scrounger at the back , not at all , just thrifty and paid mortgage off in 9 years
big thanks to you big tax payers :p
 
For me, the security of owning my house comes first... I spent the first 20yrs of my adult life stuck in the rental trap, and the stress of having no control over my future accommodation costs is something I don't want to repeat...especially in the out of control rental market.

And also why rent when you can spend similar money on a mortgage and actually gain equity? At least you are then actually gaining something tangible.

Interest only mortgage seems insane to me... If your investments go south then you're totally screwed.
 
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@slinxy

For me it's been

3800 take home
600 of 900 for mortgage (at 1.93 rate) (my share)
600 into bills (petrol, food, utilities, insurance etc)
900 into isa/ S&S (long term savings)
700 into pension
Rest into spending like holidays. My 400ppm regular saver is for holidays.
One off costs come from the "rest"

This is my share excluding partner.

So on the 50/30/20 I think i am
30/40/30

We don't have a lease car, and all debts are on 0 percent.

Thinking of some big spends once get some stability as time is pushing on. And not getting any younger.



We do not make over payments as that would be crazy on a 1.93 rate.
 
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413x said:
@slinxy

For me it's been

3800 take home
600 of 900 for mortgage (at 1.93 rate) (my share)
600 into bills (petrol, food, utilities, insurance etc)
900 into isa/ S&S (long term savings)
700 into pension
Rest into spending like holidays. My 400ppm regular saver is for holidays.
One off costs come from the "rest"

This is my share excluding partner.

So on the 50/30/20 I think i am
30/40/30

We don't have a lease car, and all debts are on 0 percent.

Thinking of some big spends once get some stability as time is pushing on. And not getting any younger.



We do not make over payments as that would be crazy on a 1.93 rate.
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maybe you should spend a little bit more on yourself, and that's possibly the reason why you feel like investing less.

There's no point in a ISA if you don't tend to FIRE and work to retirement age; if you don't have any major planned out goings like moving house, new car, kids education etc. Your emergency fund should cover anything that's not planned and your pension which is a better place to invest in wil sort you out when your old.
 
slinxy said:
maybe you should spend a little bit more on yourself, and that's possibly the reason why you feel like investing less.

There's no point in a ISA if you don't tend to FIRE and work to retirement age; if you don't have any major planned out goings like moving house, new car, kids education etc. Your emergency fund should cover anything that's not planned and your pension which is a better place to invest in wil sort you out when your old.
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ISA has been for super emergency money. I didn't need to tap it while I was off. I tapped those premium bonds.

And you're right. Time to spend more.
 
moon man said:
I agree with the mortgage part but after that it just become vague talk of unnamed shares ,i skip over these posts , there's only a few of us give some sort of proof or even a post on the day you buy the shares ,its a bit of a my dad drives a Bugatti school talk BS background noise to me and its ruined the thread

edit / i sound harsh ,maybe cynical in my older age and all the quoted may be true , i just wish people would name their investments is all
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I don't name my investments, I am bit funny that way. I don't want to jinx what I buy, as I normally buy the same shares.

I can talk about strategies but I don't like to give too much information about what I buy how much etc..
All of my friends ( apart from one, he is not part of the other group) don't even know I buy shares.
The less people know the better off you are.

It does not really bother me what people think about me etc... I always laugh if off inside, this such a superpower to have.

.
 
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Am looking for a stock that will get me my next +5% over a 1-2 day period. Nothing's coming to mind atm.
 
RxR said:
Am looking for a stock that will get me my next +5% over a 1-2 day period. Nothing's coming to mind atm.
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$CINO or $GAMBL
Tesla rebound for the lolz, more elon tweets the more 5% you get.


HOOD has been going crazy for ages now, it's probably going to keep going and there's already talk it could get added to s&p500 in q4 2025 or early 2026
probably the safest bet, but I doubt it will do it in 1-2 days tbh

a lot of my stocks can see 5% jumps in a day, but no one can time it.
 
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RxR said:
Am looking for a stock that will get me my next +5% over a 1-2 day period. Nothing's coming to mind atm.
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That applied digital I mentioned yesterday has been excellent as it's tended to move back down for another slice of the cake and also the Navitas semiconductors both lovely and volatile
I think our Intel will do their thing soon , they are a great solid backstop though, I suppose it's with them being near book price
 
arknor said:
$CINO or $GAMBL
Tesla rebound for the lolz, more elon tweets the more 5% you get.


HOOD has been going crazy for ages now, it's probably going to keep going and there's already talk it could get added to s&p500 in q4 2025 or early 2026
probably the safest bet, but I doubt it will do it in 1-2 days tbh

a lot of my stocks can see 5% jumps in a day, but no one can time it.
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I was watching a live stream about hood last night as there was a chance of S&P entry , even got some fake news that spiked it to $80 then the drop , maybe Monday will see an overreaction and a good entry point
 
arknor said:
HOOD has been going crazy for ages now, it's probably going to keep going and there's already talk it could get added to s&p500 in q4 2025 or early 2026
probably the safest bet, but I doubt it will do it in 1-2 days tbh
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I remember you posting about HOOD last year, was less than $20 if I remember correctly. They are growing in the UK now with an ISA imminent. I wish I had paid more attention at the time to their potential, I can see them being $100+ by the end of year
 
arknor said:
$CINO or $GAMBL
Tesla rebound for the lolz, more elon tweets the more 5% you get.


HOOD has been going crazy for ages now, it's probably going to keep going and there's already talk it could get added to s&p500 in q4 2025 or early 2026
probably the safest bet, but I doubt it will do it in 1-2 days tbh

a lot of my stocks can see 5% jumps in a day, but no one can time it.
Click to expand...

Very tempted to get some tesla in premarket I have to say.
I think musk is better off pulling away from Trump as his buyer base is not MAGA.
It will probably muster some buying.

This is stocks in 2025. It's like crypto was in these popular stocks. Not how company is doing. But sentiment.
 
lookitsjonno said:
I remember you posting about HOOD last year, was less than $20 if I remember correctly. They are growing in the UK now with an ISA imminent. I wish I had paid more attention at the time to their potential, I can see them being $100+ by the end of year
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Not getting into the S&P 500 will slow things down a bit. I can see a drop Monday likely.
 
Minstadave said:
Not getting into the S&P 500 will slow things down a bit. I can see a drop Monday likely.
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they have huge growth though and PLTR never faltered around S&P rumours. I'd imagine hood to be similar (By similar I mean they both had huge growth and it just seemed inevitable PLTR would get added, people probably feel the same about HOOD)

might just put the stock on more peoples radars
 
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413x said:
ISA has been for super emergency money. I didn't need to tap it while I was off. I tapped those premium bonds.

And you're right. Time to spend more.
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One to remeber is flexible Isa's anything you remove adds back on to the years alowance so you csn put it back
 
how do you guys cope with the ones that got away ? i used some short term money to skim on Coreweave , if i had left it in it would be 16k up , more importantly i need to learn when to sell , i seem to be good at what to buy its knowing when to sell , they say take your slice and don't look back edit as i said made 1k last week in real money
 
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