Trading the stockmarket (NO Referrals)

[Gixer]

All sold for now, £68 loss in the end. I won £200 on bonds this month, that'll cover that loss Naturally me selling will now mean good news for all of you that stay invested as the stock price shall now likely rise

What do you all think about Rolls Royce for the shorter term? I'm not looking to become a millionaire, it'd just be nice to put the cash to work in something that is safe-ish, might gain 3% - 5% in a year and is not in the US market. Could what Trump is playing at cause problems for Rolls Royce too? Only thing I can see is they've just had a big uptick and I've seen that happen with some other shares I have and after the uptick there always seems to be a settling period just after.

 

[mid_gen]

All sold for now, £68 loss in the end. I won £200 on bonds this month, that'll cover that loss Naturally me selling will now mean good news for all of you that stay invested as the stock price shall now likely rise

What do you all think about Rolls Royce for the shorter term? I'm not looking to become a millionaire, it'd just be nice to put the cash to work in something that is safe-ish, might gain 3% - 5% in a year and is not in the US market. Could what Trump is playing at cause problems for Rolls Royce too? Only thing I can see is they've just had a big uptick and I've seen that happen with some other shares I have and after the uptick there always seems to be a settling period just after.

Investing in any single company is never the safe option. All sorts of things could happen that could tank the business.

 

[Uther]

All sold for now, £68 loss in the end. I won £200 on bonds this month, that'll cover that loss Naturally me selling will now mean good news for all of you that stay invested as the stock price shall now likely rise

What do you all think about Rolls Royce for the shorter term? I'm not looking to become a millionaire, it'd just be nice to put the cash to work in something that is safe-ish, might gain 3% - 5% in a year and is not in the US market. Could what Trump is playing at cause problems for Rolls Royce too? Only thing I can see is they've just had a big uptick and I've seen that happen with some other shares I have and after the uptick there always seems to be a settling period just after.

Have a look at a money market fund rather than a single stock, seriously. I'm in Vanguard.

​

 

[GordyR]

All sold for now, £68 loss in the end. I won £200 on bonds this month, that'll cover that loss Naturally me selling will now mean good news for all of you that stay invested as the stock price shall now likely rise

What do you all think about Rolls Royce for the shorter term? I'm not looking to become a millionaire, it'd just be nice to put the cash to work in something that is safe-ish, might gain 3% - 5% in a year and is not in the US market. Could what Trump is playing at cause problems for Rolls Royce too? Only thing I can see is they've just had a big uptick and I've seen that happen with some other shares I have and after the uptick there always seems to be a settling period just after.

In terms of equities, an all world ETF such as the one you just sold is as safe as you can get.

Stocks are inherently risky and volatile.

If you're not comfortable with the risk level of an all world ETF, which it seems that you're not, then I would suggest that investing in stocks is not for you and you would be better off with bonds, a money market fund, or some kind of high interest savings account.

 

[xaldub]

All sold for now, £68 loss in the end. I won £200 on bonds this month, that'll cover that loss Naturally me selling will now mean good news for all of you that stay invested as the stock price shall now likely rise

What do you all think about Rolls Royce for the shorter term? I'm not looking to become a millionaire, it'd just be nice to put the cash to work in something that is safe-ish, might gain 3% - 5% in a year and is not in the US market. Could what Trump is playing at cause problems for Rolls Royce too? Only thing I can see is they've just had a big uptick and I've seen that happen with some other shares I have and after the uptick there always seems to be a settling period just after.

A high interest savings account or Cash ISA is probably what you're looking for. At the moment you can get somewhere between 3.5% to 4.0% on the latter if you look around. However, interest rates are trending downward and, as I'm sure you are aware, were abysmally low for most of the last decade. I'm planning to take early retirement in just over a year, so I think I'll be cashing out my shares at the start of April, when I can draw down into a Cash ISA ( to preserve the ISA status ). Thus far, my shares haven't fallen too much - I'm still up for the year ... just ... but I think that will change over the next couple of weeks as Trump is beginning to place tariffs on the EU and UK, and that's when the markets will get really messy.

 

[tangey]

Vanguard developed world ex-uk is 6.42% over the last 12 months. Its back to where it was on Oct 3rd.

Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc, GB00B59G4Q73:GBP charts - FT.com

{0} ({1}) interactive charts

markets.ft.com

I understand that all of these index trackers should be seen as long term, but given we've had a thus far short period of quite marked drop across the board from a guy that constantly tells us he is only getting started, I think when you have a major input into markets that was not previously there, it would be silly to at least not take such events into consideration in your holdings/investments. Rather than just going with "long term investment" mantra.

It there was a cast iron guarantee that the markets would drop by X, no one in their right mind would say "well my investment is for the long term, I'll just take this drop and then it'll recover", you'd sell that then buy back at a lower price. Even if you bought back and it continued lower, you'd have saved some loss.

So we should always be prepared to re-assess things when major seismic influences are at work, and have flagged that they will continue to be at work.

 

[Nasher]

All sold for now, £68 loss in the end. I won £200 on bonds this month, that'll cover that loss Naturally me selling will now mean good news for all of you that stay invested as the stock price shall now likely rise

What do you all think about Rolls Royce for the shorter term? I'm not looking to become a millionaire, it'd just be nice to put the cash to work in something that is safe-ish, might gain 3% - 5% in a year and is not in the US market. Could what Trump is playing at cause problems for Rolls Royce too? Only thing I can see is they've just had a big uptick and I've seen that happen with some other shares I have and after the uptick there always seems to be a settling period just after.

I don't think anything is good for short term ATM. If your in now it will be for the year I think

I was making about 5-10% a week "day trading" in tech, until Trump ruined the market. Now the money is tied up in falling stocks.

 

[200sols]

Even if you bought back and it continued lower, you'd have saved some loss.

But you'll never know if that will happen. Its more likely you'll buy high, sell low and then keep repeating this. So so many people did this during the covid bust and lost a lot of money.

 

[Nasher]

But you'll never know if that will happen. Its more likely you'll buy high, sell low and then keep repeating this. So so many people did this during the covid bust and lost a lot of money.

Yea, better to leave it in and buy more if anything and lower the average. You only take the loss when you sell and there is a good chance it will climb back up if it's something which is usually strong.

But then that's how millionaires go broke, they keep piling money in to a failing company, hoping for it to recover. So be careful

 

[Broken Hope]

Does anyone know how long it takes to get cash out of a Vanguard money market fund? Seems like a good short term
Investment when the markets are plummeting.

Does it generate interest daily?

 

[tangey]

But you'll never know if that will happen. Its more likely you'll buy high, sell low and then keep repeating this. So so many people did this during the covid bust and lost a lot of money.

No one can ever know for sure that anything will happen in the markets. You only take a loss when you sell is true, as is you only take a profit when you sell.

Covid had a massive impact on the markets. But it's severity, its transmissibility and it's longevity were all unknown quantities for many many months.

Your reply implies you consider it is more likely than not that Trump will not have any further significant negative impact on the markets, even though so far his tariff strategy has appreciably destablised world markets negatively and he has indicated that he is only started in terms of tariffs.

If one assesses it is more likely Trump will continue to have a negative effect on the markets than not, and in particular the US markets (as most of the trackers are strongly biased to US stocks), then logic would indicate the trackers are more likely than not to fall further

If one has no opinion on his likely continued impact, or is unable to make an assessment, then I guess do nothing.

 

[jamief]

I've sold some AI stocks in my ISA, but SIPPs are untouched, mostly in vanguard funds which I'm leaving well alone. Market might've rebounded by the time I retire!

 

[tangey]

Does anyone know how long it takes to get cash out of a Vanguard money market fund? Seems like a good short term
Investment when the markets are plummeting.

Does it generate interest daily?

The unit price creeps up daily, so your holding increases on a daily basis. I have not attempted to sell, but I bought about 6 weeks ago, and, it was no different to buying other funds in terms of timescale.

Yesterday, I initiated a transfer from my small holding in the vanguard emerging market fund to the money market fund, so I'll confirm timeline when that process completes.

 

[Gixer]

I'll look into the money market funds you all mention. Otherwise I guess something like moving the cash over to a Trading212 account and putting it into their cash ISA, which is at 4.5% currently, is the safer bet. The money can also be withdrawn in three days if what I read a few months ago is still the case.

 

[tangey]

I'll look into the money market funds you all mention. Otherwise I guess something like moving the cash over to a Trading212 account and putting it into their cash ISA, which is at 4.5% currently, is the safer bet. The money can also be withdrawn in three days if what I read a few months ago is still the case.

If you are looking to park cash, and have free ISA limit and not taking about >£20K then an ISA with that rate is probably as good as anywhere. If you are already on another platform then moving an ISA back and forth to different platforms will likely add to delays.

 

[mid_gen]

I'll look into the money market funds you all mention. Otherwise I guess something like moving the cash over to a Trading212 account and putting it into their cash ISA, which is at 4.5% currently, is the safer bet. The money can also be withdrawn in three days if what I read a few months ago is still the case.

Withdrawal from T212 is instant for me.

 

[200sols]

Your reply implies you consider it is more likely than not that Trump will not have any further significant negative impact on the markets, even though so far his tariff strategy has appreciably destablised world markets negatively and he has indicated that he is only started in terms of tariffs.

No my reply does not infer that. My reply is simply stating that nobody knows. Also nobody knows how markets will react in any certain scenario. But what is a fact is people selling out to buy back cheaper is known to fail time and time again. All i'll say is good luck if you think you can time the market, I assume you sold at the peak.

 

[Uther]

Does anyone know how long it takes to get cash out of a Vanguard money market fund? Seems like a good short term
Investment when the markets are plummeting.

Does it generate interest daily?

About a week to change to cash. Mine seems to go up daily (the only thing that is currently)

 

[D.P.]

All sold for now, £68 loss in the end. I won £200 on bonds this month, that'll cover that loss Naturally me selling will now mean good news for all of you that stay invested as the stock price shall now likely rise

What do you all think about Rolls Royce for the shorter term? I'm not looking to become a millionaire, it'd just be nice to put the cash to work in something that is safe-ish, might gain 3% - 5% in a year and is not in the US market. Could what Trump is playing at cause problems for Rolls Royce too? Only thing I can see is they've just had a big uptick and I've seen that happen with some other shares I have and after the uptick there always seems to be a settling period just after.

If you are worried at losses so have sold up, the absolutely last thing you should be doing is buying a single company stock.

If you think it will gain 3-5% in a year, what is your working, what analysis have you done? How did you calculate its intrinsic value? Do you think 3-5% in a year is better than a simple bond or MMF ?

 

[tangey]

No my reply does not infer that. My reply is simply stating that nobody knows. Also nobody knows how markets will react in any certain scenario. But what is a fact is people selling out to buy back cheaper is known to fail time and time again. All i'll say is good luck if you think you can time the market, I assume you sold at the peak.

I sold most of mine 27th Jan the day after the deepseek thing, so took a hit that day. Had already been considering stepping out of the tracker fund because there were a lot of voices saying S&P was very peaky, and also because of Trump uncertainties. Am in short term money market, so I'm up about 0.7% since then, as opposed to the tracker being down 8%.

Given what I've seen, I've decided that likelier than not, he is going to continue to wreck havoc and until I see solid evidence to the contrary, I'll continue to hold in money market.

The markets don't like uncertainty, and he is full of it.