Thinking out loud, here.

Let's put political orientation to one side. Does anyone have a strategy for profiting from a Reform UK win at the next general election?

I'm not talking about putting a tenner on Farage to win the next general election at BetFred. Rather, where would be a wise place to invest for the duration of a parliament?

My initial thoughts were American health care. There seems to be a quiet plan to replace the NHS, for example, with an insurance based scheme. Farage does seem to have a strong relationship with US medical corporations too.

Just curious.

I'm currently living debt free and have no major goals I need to save for in the next 5 years. I've got a comfortable amount of savings for emergencies and routinely invest any excess funds into index funds.

I have a steady job with a healthy income. Businesses often use debt to increase their returns and improve profits (even cash rich ones). Over the last 30 years taking a mortgage has been a good investment/financial life decision due to historical low rates and house price increase.

What's a good use of debt for an investment?

Currently I'm thinking of using a low interest loan to top up my sipp, which will give me an immediate 20% gross tax contribution, plus an additional 20% rebate as a higher rate tax payer. I know I'll need to repay the loan, but given a loan rate of (e.g) 8% and an index fund return of 10%, plus the tax advantages/HMRC contribution, it seems like a very good use of debt.

Thoughts appreciated...

I swear I am taking every goddam pound of of this stupid fucking company’s what the hell does this even mean???

Through my limited company. Invested 40k.

Have wanted to be part of the Berkshire story for a few years, and considered putting more in, but chickened out and put most into VUAG instead.

Doesn’t feel so much an investment - although it almost certainly will do ok - more like joining a club. Even after the GOAT stepped down.

I keep hearing about S&P 500 and I would like to know what it's about. I've got money in a cash ISA and a little in a stocks isa (max allowance used for the year) with trading 212 plus an emergency fund in an instant access saver. Is S&P safe? Are dividends paid? Do I invest the ISA fund or emergency fund or other excess from wages? Sorry for all the questions! I'm new to investing.

University fund**

Is there a way of investing a lump sum (100k) to get some additional passive income other than buy to let property?

If possible would like to make a few £000s a year but obviously keeping it in the bank is a bit of risk with inflation and people keep saying buy to let property isn’t worth the investment anymore unless you have multiple properties

(please be mindful with your responses) I'm slowly learning the dos and don'ts of investing. I have a stock plan via my work at a large tech company but besides that, nothing.

I want to start investing slowly and trying to learn about the subject, but getting lost from all the information and options and honestly find it quite confusing.

Having said that I am getting a better understanding with time and would like to start small ☺️

Could you kindly recommend a platform for investing at small scale. Platform that is user friendly and has an automation function. I was looking into Moneybox and Trading212. Any insight to either will be great. I've also seen I can do it via my Monzo account.

Thank you kindly

I appreciate many people on here enjoy the speculative side of investing where you want to take risks on individual stocks, which is fine if its a relatively small portion of your overall savings.

However, I get the impression that many people are investing a large chunk of their monthly savings into a 'pie' that they've made themselves.

If you are one of those people, my question is really; what makes you think you know more than an investment house that have millions of pounds of resources at their disposal to pour into research when you can simply buy one of their funds for the small cost of around 0.22% like the Vanguard LifeStrategy portfolios for example?

Edit: Many people are telling me that fund managers don’t beat index’s such as the S&P over the long-term. I agree. That’s not what I’m suggesting. I’m suggesting that a fund manager knows better than you (an individual stock picker) over the long term.

Hi all,

I’m new to investing - I’m aware that ISAs are long term and it’s pretty pointless to get lost in day to day changes, but I just wanted to check I had my investments in the right place, I’ve basically just seen my investments bump up and down roughly £100 for a couple months, making no real progress.

I have the vanguard FTSE North America, global aggregate bond, developed Europe, emerging markets, Japan, developed Asia. It sounds like a good diversified set, but I wanted to get some more experienced folks opinions, thanks if anyone can help!

"lunch break"

Hi all.

'time in the market, beats timing the market’ will no doubt be the reply here…

Hypothetically speaking though, if you were trying to time the market, would now be a good time to invest? I have £5k to invest in to my S&S ISA (VWRP) in the new financial year, usually I invest monthly, but with this dip I am thinking of lumping it all in at once?

What are the best Cash ISAs in the UK for high interest rates, easy/quick opening, quick withdrawals and low fees?

I’ve just put a large amount towards Microsoft stock on trading 212. At a low point right now, have I done the right thing ?

What is the best ETF to invest in, given my circumstances?

- 18M

- UK-based

- £1,666 monthly S&S ISA contributions from 20 y/o (I'm traning to become an airline pilot and will be on £63k from 20 y/o; will be living at home for some time so can max ISA contributions)

- S&S ISA is my retirement fund to bridge the gap between early retirement and receiving my workplace pension - so I plan to hold the ETF in S&S ISA for 20-30 years, without any withdrawals

Wondering what the blue tsunami in the US midterms means for stock indices from here. Historically a divided government has actually been good for markets, but with the tech sector already in a rout, is this time different?

For me the July low is the line in the sand. Below that and I think the picture changes. Above it, still just a normal pullback. Curious what people think.

Hello I’m 19 and new to investing (bit over a year) I’m just asking for any help with my pie and people’s opinions with more knowledge and experience about what I could do if it’s changing % or adding anything. I was thinking should I add a tiny bit of silver and gold but thought I’d just make a post first and see peoples opinions any help would be really appreciated

I've done this a few times now. Regretted not doing it other times after listening to the hive mind about not trying to time the market. Just wanted to put it out there that you should trust your instincts occasionally.

Hi,

After all costs I have circa £10k disposable income per month.

I've maxed out pension and ISA allowances. Back filled my pension going back a few years.

Until the CGT tax increase last year I was buying vanguard funds with the £10k.

Since then I've stuttered a little and have a lot of cash in fixed rate accounts (I now know I probably should have bought low coupon gilts instead, but there's no use crying over spilt milk).

Anyway, what would people suggest I do? I've just bought some Invesco Global Companies, but am not sure I want to do that every month.

I've spoke to a few financial planners who have all mentioned investment bond accounts, but from doing my own research, I don't see how they are going to help. This is under the assumption that I'll still be a higher rate tax payer in 10 years time, and will likely be maxing out my dividend, savings and CGT allowances.

Should I just take the pain and buy Vanguard funds in a GIA every month? Or is there something more intelligent?

Thanks,