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Stocks n Shares ISA

1234 said:
S&P500 good for a beginner? Does anyone use a specific app?
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S&p isnt great as youre basically putting all your eggs into the US. Doing this youre also at the mercy of currency exchanges. Theres debate around the value of home bias, but vanguard have 2 LS100 funds. One a full global, other with UK bias. Then theres your risk appetite & age if you want to dial down to ls80
 

1234 said:
S&P500 good for a beginner? Does anyone use a specific app?
Click to expand...
I am still very much a beginner. I use T212 and have my small investment in vanguard S&P500.

My only advise would be from the silly mistakes I made while learning about it all, which is accept that you will probably never know loads about it, so going with an S&P or FTSE etc is always going to be best.
 
42 said:
Theres a massive crossover there. The dev world ex uk is basically offsetting the uk bias on the ls100, and you basically just have an over complicated global all cap
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What would you suggest doing.

I originally only had the LS100 but had some inheritance i wanted to invest for me and my wife. I wanted to keep the money separate as a 'My money for retirement' and an 'Our savings pot'

That's why I opened the other 2.
 
32nd of December said:
What would you suggest doing.

I originally only had the LS100 but had some inheritance i wanted to invest for me and my wife. I wanted to keep the money separate as a 'My money for retirement' and an 'Our savings pot'

That's why I opened the other 2.
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If theres a reason you want funds separate then that's fair enough.

Just its quite common for people to try & hedge with different funds but they all overlap, and just ends up being pointless
 
42 said:
If theres a reason you want funds separate then that's fair enough.

Just its quite common for people to try & hedge with different funds but they all overlap, and just ends up being pointless
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Would you recommend at maybe selling the dev world one and opening something else?
 
1more said:
Trading 212

I'd say Vanguard all world VWRL is great for beginners.
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That's good to hear as it's the funds I plumped for in Nov when I ventered into the sipp world and did my own research. However is VWRP not better whereby they reinvest funds rather than dividends?
 
TAD said:
That's good to hear as it's the funds I plumped for in Nov when I ventered into the sipp world and did my own research. However is VWRP not better whereby they reinvest funds rather than dividends?
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6 and 2 3s really. I auto reinvested my dividends anyway

There is also VHYL which is all world high dividend yield although there's no tech companies in that
 
42 said:
Keeping things simple is often the best. If you genuinely want to ring fence 3 pots for your own reasons then nothing wrong with what you have. If its just one pot then either LS100 or the global all cap would be my choice depending on if you want the home bias or not
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I've massively simplified my portfolio recently. I used to have a mix of different trackers and individual shares but I've consolidated almost everything into a single global tracker (kept a couple of shares for their dividends) as I realised that there was a lot of overlap between the funds.
 
42 said:
S&p isnt great as youre basically putting all your eggs into the US. Doing this youre also at the mercy of currency exchanges. Theres debate around the value of home bias, but vanguard have 2 LS100 funds. One a full global, other with UK bias. Then theres your risk appetite & age if you want to dial .
Click to expand...
PTR said:
Just received a sizeable lump sum. Need to decide if now is the time to put it in my S&S ISA, or if I should wait for a dip?
What's everyone's thoughts?
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The USA stock market is 30% over valued, there is a huge possibility of a Japanese carry trade unwind on June 16th. A recession is just around the corner. Hold cash, wait for the crash then invest. A little bit physical gold and silver would be a good shout 10%. An ISA is barely matching inflation so it’s safe but you invest 100, worth 105 but your 105 only buys 90 worth of goods.
Only 17% of the stocks in the S&P give good returns, it would be much better to understand the stocks that make up the S&P and choose the most profitable, I.e NVDA. Difficult but apps like TradeVision really guide and help.
Wait for now maybe 2/3 months then buy the dip. Good luck
PTR said:
Just received a sizeable lump sum. Need to decide if now is the time to put it in my S&S ISA, or if I should wait for a dip?
What's everyone's thoughts?
Click to expand...
The USA stock market is 30% over valued, there is a huge possibility of a Japanese carry trade unwind on June 16th. A recession is just around the corner. Hold cash, wait for the crash then invest. A little bit physical gold and silver would be a good shout 10%. An ISA is barely matching inflation so it’s safe but you invest 100, worth 105 but your 105 only buys 90 worth of goods.
Only 17% of the stocks in the S&P give good returns, it would be much better to understand the stocks that make up the S&P and choose the most profitable, I.e NVDA. Difficult but apps like TradeVision really guide and help.
Wait for now maybe 2/3 months then buy the dip. Good luck
 
Last edited:
I've got 40% uk, 40% US, 20% emerging markets as my self managed isa fund. I was up 21% last year and currently sitting around 17% this year. I've only a few k in it # bit if a hobby account.
 
It’s understood Chancellor Rachel Reeves intends to introduce a 22% tax charge on interest earned from cash held within Stocks and Shares ISAs, but it would not apply to UK pensioners aged 65 and over. Expected to come into effect on 6 April 2027.🔍
 
royal4545 said:
The USA stock market is 30% over valued, there is a huge possibility of a Japanese carry trade unwind on June 16th. A recession is just around the corner. Hold cash, wait for the crash then invest. A little bit physical gold and silver would be a good shout 10%. An ISA is barely matching inflation so it’s safe but you invest 100, worth 105 but your 105 only buys 90 worth of goods.
Only 17% of the stocks in the S&P give good returns, it would be much better to understand the stocks that make up the S&P and choose the most profitable, I.e NVDA. Difficult but apps like TradeVision really guide and help.
Wait for now maybe 2/3 months then buy the dip. Good luck

The USA stock market is 30% over valued, there is a huge possibility of a Japanese carry trade unwind on June 16th. A recession is just around the corner. Hold cash, wait for the crash then invest. A little bit physical gold and silver would be a good shout 10%. An ISA is barely matching inflation so it’s safe but you invest 100, worth 105 but your 105 only buys 90 worth of goods.
Only 17% of the stocks in the S&P give good returns, it would be much better to understand the stocks that make up the S&P and choose the most profitable, I.e NVDA. Difficult but apps like TradeVision really guide and help.
Wait for now maybe 2/3 months then buy the dip. Good luck
Click to expand...
Why June 16th for Japan, I’m sure there was supposed to be a USA crash on February 8th due to Japan cashing in of us bonds, didn’t happen
 
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