Trading the stockmarket (NO Referrals)

Given that Funds are generally pretty diverse and should in theory protect against any major issues. How many different ones would people hold?

I've started putting money away at about £200 a month and figure at that amount buying shares isn't worth it due to the transaction charges so have just been sticking it into the Blackrock European Continental Fund.

Just wondering whether it's worth mixing it up a bit and sticking a little into an emerging market fund and some into Asia.


EDIT - Also a few years ago i made a pretty hefty loss on Quindell. I never thought about claiming back the loss relief. I've looked and i'm still within the timeframe (was 2014) but wondered if anyone had done anything similar and what the process is? Can i stick it through now? I'm not registered for self assessment as everything just goes through PAYE.
 
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Marvt74 said:
EDIT - Also a few years ago i made a pretty hefty loss on Quindell. I never thought about claiming back the loss relief. I've looked and i'm still within the timeframe (was 2014) but wondered if anyone had done anything similar and what the process is? Can i stick it through now? I'm not registered for self assessment as everything just goes through PAYE.
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I think you're conflating income tax and capital gains tax - PAYE generally has nothing to do with any loss you may have had with your investments, there are only limited circumstances related to small companies where you can offset losses against income tax AFAIK
 
Yeah you’re completely right. It’s been years since I did my tax exams!

It’s only the EIS/SEED shares which qualify isn’t it.

Had hopes of claiming back about 2 grand :(
 
Marvt74 said:
Given that Funds are generally pretty diverse and should in theory protect against any major issues. How many different ones would people hold?

I've started putting money away at about £200 a month and figure at that amount buying shares isn't worth it due to the transaction charges so have just been sticking it into the Blackrock European Continental Fund.

Just wondering whether it's worth mixing it up a bit and sticking a little into an emerging market fund and some into Asia.
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Funds are diverse but only within their target industry. As such I've spread my holdings as you've suggested across different markets:

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Presume because you can claim tax relief on pension contributions so can be a good way of maximising investments. However that only helps if you're not likely to want access to the money before you retire!

If you don't own a house then a Lifetime ISA could help as you get a 25% bonus on any contributions each year which would be well above expectations for average returns.
 
If you have a SIPP pension you can tailor your investments to managed funds - check with your pensions provider.
Don't forget other employee benefits - matching SIP shares etc.
 
9% in the Aberdeen LA and 18% in the rest :). Odd percentages I know but basically they're all round figures and I've got half in Aberdeen LA compared to the others, mainly because at the time Venezuela was being the southern-hemisphere's NK and it's one of the more volatile ones anyway; -29.75% in 14-15 and +59.13% in 15-16 for example.
 
Richdog said:
Well, so far this is how my investments are looking:
  • Nvidia: Up 12% (I have 13% of my overall investment in this, wish I'd put 20% as I think it will stay steady).
  • AMD: Up 6.5% (I have 22% of my overall investment in this, will be short-term only to make a grand or two).
  • Alibaba: Up 2.5% (I have 66% of my overall investment in this and I will put in more as I think will really rise as the company overtakes Amazon in value.
Was also considering Qualcomm now the royalty payments from Apple are coming back in, but I do have concerns about their future business despite the strong patents portfolio as so much depends on royalties for them and Apple and others will move away from Qualcomm hardware use I think as they develop their own competing hardware.
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66% in one thing is a no no if we were talking everything including pensions. 66% of lottery money is different.

I always avoid china mostly, I figure they so big its in everything anyway especially if involved in Asia. Asia infrastructure seems about the best thing I can think of long term if not overvalued and last I looked it wasnt (but China is, some say)

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Looking for a short again but really its going to trip when I dont look :/
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https://t.co/6J1JpbLI3S

https://www.quora.com/What-are-some...bout/answer/Michael-Soareverix?share=812cd4da
 
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silversurfer said:
66% in one thing is a no no if we were talking everything including pensions. 66% of lottery money is different.
Looking for a short again but really its going to trip when I dont look :/
https://t.co/6J1JpbLI3S

https://www.quora.com/What-are-some...bout/answer/Michael-Soareverix?share=812cd4da
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Nothing is a "no no", it's my money and I trust my own decisions and I am not following a strict code of "best practise". Proportions will change as I invest more, but Alibaba is looking like as safe a bet as anything right now and I am happy taking that risk.
 
Experts all over the world have proved time and time again why its important to not have all of your eggs in one basket, however its your money so you are of course able to do with it as you please. Try not to get on the defensive though when someone is offering you sensible advice :)
 
Mark M said:
Experts all over the world have proved time and time again why its important to not have all of your eggs in one basket, however its your money so you are of course able to do with it as you please. Try not to get on the defensive though when someone is offering you sensible advice :)
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It would only be sensible advice if the 66% was the proportion of the sum total of my investments. I have a lot more to invest over the coming weeks and months so it's only a current snapshot that will change accordingly. Saying it's a "no no", while I am sure well-intended, comes across as a tad patronising. As does your post. :)
 
Richdog said:
It would only be sensible advice if the 66% was the proportion of the sum total of my investments. I have a lot more to invest over the coming weeks and months so it's only a current snapshot that will change accordingly. Saying it's a "no no", while I am sure well-intended, comes across as a tad patronising. As does your post. :)
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Apologies, my post wasnt meant in a patronising way. For the record I have a small holding in alibaba and think it should continue to do well.
 
Mark M said:
Apologies, my post wasnt meant in a patronising way. For the record I have a small holding in alibaba and think it should continue to do well.
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No worries and I was not meaning to be defensive or conflictive, I just dislike people jumping to conclusions and getting a little preachy based on little or incomplete information. Please don't doubt that I do appreciate your posts and others in advising based on my previous questions. :)
 
Matt_Hirst said:
I have no clue when it comes to investing money, but have a question, what is meant by a short?

Matt
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It means you think the stock is going to perform badly.

You can go Short (expect the shares to decrease in value) or go Long (expect the shares to increase in value)
 
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