Trading the stockmarket (NO Referrals)

Wow NVDA (Nvidia) have gone nuts with the share price and I am 55% up... I may sell now as I think it will have another drop in the next couple of weeks when the current fever dies down and then surge again to a new record when Ampere is released later in the year.
 
I'm really starting to think about starting to invest about £100 a month for some long term investments for the future (retirement etc). I'm looking at something that would be at medium risk to hopefully be able to get a decent return.
Anyone have any ideas or suggestions of what to look into?


Honestly i'd just stick it into a fund. Like the Vanguard Life Strategy.

You'd be spending ~£10 on the trade to buy individual shares so you're instantly 10% down each month and not have too much diversity leaving you exposed to risk.
 
Honestly i'd just stick it into a fund. Like the Vanguard Life Strategy.

You'd be spending ~£10 on the trade to buy individual shares so you're instantly 10% down each month and not have too much diversity leaving you exposed to risk.

Sounds like a good idea. I'm not too much into trading individual shares as I'm not following the financial world/markets that closely to be able to make good choices there. So a fund is something I have been thinking about. Will look into that a bit more tonight at work.
 
I'm really starting to think about starting to invest about £100 a month for some long term investments for the future (retirement etc). I'm looking at something that would be at medium risk to hopefully be able to get a decent return.
Anyone have any ideas or suggestions of what to look into?

If you're reading this thread then clearly you should be going all in on Tesla or maybe Nvidia or something... :D

Just get a cheap index tracker fund though.
 
I'm really starting to think about starting to invest about £100 a month for some long term investments for the future (retirement etc). I'm looking at something that would be at medium risk to hopefully be able to get a decent return.
Anyone have any ideas or suggestions of what to look into?
If it's for a pension Vanguard have just brought their new pension onto the market which might be worth looking at. They charge 0.15% compared to HL 0.45%
 
Its fairly impossible to advise anyone properly via a thread as who knows what your situation is, or the bias you should target going forward. Everyone should have 10% in a gold fund imo, I consider that medium risk and likely good performance relative to that risk. I imagine the majority reject that idea and are not even close, not even 1% involved with gold across a portfolio. FTSE100 fund or similar wouldnt do it afaik, by the time its a popular idea it'll have become expensive.
When stocks (indexes) gained a large amount in 2019 they became more expensive, when gold stocks (indexes) gained a large amount in 2019 they became cheaper because the commodity they mine keeps rising which via margin expansion is a giant benefit to a balance sheet. Buying into a rising price where the company is growing just as fast is ideal, I think the whole sector is being missed for opportunity especially if young and able to accept the volatility/risk that comes with commodities.
 
Yes it applies to funds. Good thing about funds is that there are various similar products out there... so you could sell one and buy a very similar but (for CGT purposes) entirely different fund from another provider - doesn't matter that the underlying funds both contain a load similar assets or are in reality practically identical...

There are other things you could do - if you're married you could make use of your spouse here etc..

Cheers, good to know.

Does a site exist that allows you to search funds by one or more of the assets within it? For example say I wanted a fund with Nvidia or Google in it?
 
Cheers, good to know.

Does a site exist that allows you to search funds by one or more of the assets within it? For example say I wanted a fund with Nvidia or Google in it?

I am long Sp500 and Nasdaq, up 13,000USD so far this month. Zero effort or research required. I used to research different companies, it was fun but I soon realised it was a waste of time, unless you are the chap that turns 45k of Tesla options into 8 million USD, unfortunately I am not him!
 
I am long Sp500 and Nasdaq, up 13,000USD so far this month. Zero effort or research required. I used to research different companies, it was fun but I soon realised it was a waste of time, unless you are the chap that turns 45k of Tesla options into 8 million USD, unfortunately I am not him!

That's awesome, I feel like there's a crash is coming though... either way there are some stocks I would invest in now.
 
Even Buffet says the best investment for retirement is an index tracker fund. Indexes in themselves do the weeding out and promoting, they're just not as sexy or fulfilling as individual stocks.
 
Even Buffet says the best investment for retirement is an index tracker fund. Indexes in themselves do the weeding out and promoting, they're just not as sexy or fulfilling as individual stocks.
His widow portfolio is 90% in Vanguard S&P 500 tracker and 10% bonds.

My portfolio is about 80% US equities so I’m close.
 
Its fairly impossible to advise anyone properly via a thread as who knows what your situation is, or the bias you should target going forward. Everyone should have 10% in a gold fund imo, I consider that medium risk and likely good performance relative to that risk. I imagine the majority reject that idea and are not even close, not even 1% involved with gold across a portfolio. FTSE100 fund or similar wouldnt do it afaik, by the time its a popular idea it'll have become expensive.
When stocks (indexes) gained a large amount in 2019 they became more expensive, when gold stocks (indexes) gained a large amount in 2019 they became cheaper because the commodity they mine keeps rising which via margin expansion is a giant benefit to a balance sheet. Buying into a rising price where the company is growing just as fast is ideal, I think the whole sector is being missed for opportunity especially if young and able to accept the volatility/risk that comes with commodities.

Thought about gold for a while actually so a timely post. Where do you invest in gold? A quick google seems to bring up a fair few dodgy looking sites!
 
Unit trust funds is best, I did have a deposit of gold and government wrapped them up in so much red tape they basically moved fees to exclude people who arent millionaires. At one point there was a great crossover from crypto to gold so its a shame but not surprising I guess. Since its only a hedge I dont see its sensible to go anywhere you have to stretch to meet some commitment to large capacity.
Along with classic cars, gold is excluded from CGT which makes it useful. I dont think gold sovereigns and all that is necessary, I dont see it as 'the future' for individuals and in any case if gold is really bullish then the leveraged play and far more profitable route is gold miners.

Before April you can get cashback opening up a plain old ISA and taking a fund that way. Use that allowance if you havent already or also I have a fund in SIPP also. Funds do charge a management fee, there is definitely a cost and there is a risk to companies over the plain gold but in the right environment I think its best to go that managed fund way because there are so many complicating factors where mines are operating in countries you would never normally invest in.

List and some ratings for this sector - https://www.morningstar.co.uk/uk/fundquickrankLegacy/default.aspx?category=EUCA000646

I have Investec from years ago but I added last April and I still think its fair now. Also I use another general mining fund which includes Barrick and all other major multinationals, Barrick is the largest gold miner by far. The largest mine for Europe is in Greece still in development and just announced results, EGO. ABX just delisted a UK share and Randgold also was taken over by them also removed from LSE hence people only on that index are missing out imo.

 
Even Buffet says the best investment for retirement is an index tracker fund. Indexes in themselves do the weeding out and promoting, they're just not as sexy or fulfilling as individual stocks.

Exactly, I used to get a kick out of knowing I owned shares in companies that I used on a daily basis, now I am just putting it in non sexy, non exciting, non fun, indexes. Usually the money is made in things that are not sexy, not exciting and not fun! Soon as I get paid I dump my cash that I don't need to live in the funds regardless of the price. Hope it works out well over the next 30 years. I'm relatively happy betting my retirement on the top companies in the US.
 
What are peoples thoughts on index funds if the current coronavirus problem goes economically really bad? I get you can't time the market etc and these funds are all for the long term... but could it make any sense to jump out of 80% equity and drop to 20% or something while this plays out? Obviously riding it out is probably the right thing to do as things always recover long term, just curious if there could be an opportunity to avoid what could well be a sizeable drop?
 
What are peoples thoughts on index funds if the current coronavirus problem goes economically really bad? I get you can't time the market etc and these funds are all for the long term... but could it make any sense to jump out of 80% equity and drop to 20% or something while this plays out? Obviously riding it out is probably the right thing to do as things always recover long term, just curious if there could be an opportunity to avoid what could well be a sizeable drop?
The signs area already bad, business confidence in the US service sector has dropped massively this quarter in expectation of the virus going out of control there, Japan has suffered a massive single quarter drop in GDP (and not even virus related - new taxes have been introduced), China itself could take a massive hit to GDP this quarter and that will spread out to other economies regardless of whether they are direcly affected with the virus itself.

Personally I usually use my ISA allowance at the start of the year, this next year though I'm hanging fire to see how bad it gets before making a decision.
 
What are peoples thoughts on index funds if the current coronavirus problem goes economically really bad? I get you can't time the market etc and these funds are all for the long term... but could it make any sense to jump out of 80% equity and drop to 20% or something while this plays out? Obviously riding it out is probably the right thing to do as things always recover long term, just curious if there could be an opportunity to avoid what could well be a sizeable drop?


You said it yourself- the idea behind index investing is to do it, and forget about it. Are you going to withdraw funds after a bull run each time? How will you know when the run's ended, and when to buy back in? Makes it more complicated.

If you're paying in every month, then you'll average out over the dips and peaks anyway.
 
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