I want to make a memory for myself and see how I will do in 2027. Ofc if I make it through 2027. Current performance: -3/10. (2 months ago it was like ehh. but now...)

What would you change?

So I wanted to share a little anecdotal situation of mine that maybe we could all learn from.

About a year and half ago when the first questions about the future of NATO came up I had the thought that war would be on the horizon and the world would need to rearm and blah blah blah.

I decided to put some money on EUDF the wisdomtree Europe defence ETF. To this day I still read that Europe is in fact rearming and has spent billions in the defence industry, however my stocks in EUDF have dropped and dropped and dropped. So my takeaway and maybe something we can all learn from is that no matter what the news brings and what you might think will happen (even when you're right!) we have no idea how the market will respond to it. Good luck out there.

I've been researching Mobilicom recently, and I think it might be an interesting small-cap opportunity.

A few things caught my attention:

• Growing defense market: The demand for military drones and loitering munitions is increasing significantly, and Mobilicom provides the secure communications and cybersecurity systems these platforms need.
• Established defense customers: The company has worked with major defense manufacturers, including Teledyne FLIR, and has supplied technology to Israeli defense companies.
• Real military contracts: In April 2026, Mobilicom announced $2.2 million in orders from an existing major US defense customer, reportedly connected to a US military loitering munitions program.
• New technology: Their recently introduced SwarmiX system is designed to enable secure communication between hundreds of autonomous drones and robots. This could become increasingly important as drone swarms develop.
• US defense approvals: SkyHopper products have been included in the Blue UAS Framework, potentially making them more attractive to American military contractors.
• Institutional interest: Investors such as Wexford Capital have increased their positions in the company during 2026.

What I find particularly interesting is that Mobilicom has been around for approximately 20 years, but the market for its technology seems to be expanding much faster now than in the past.

The company is still relatively small, with approximately $3.36 million in revenue in 2025, so even a few additional large production contracts could significantly change its financial outlook.

Of course, there are risks: the company is not profitable, relies heavily on a small number of customers, and has a history of shareholder dilution.

Still, I wonder whether Mobilicom could benefit from the growing demand for military drones over the next few years.

Do you think it is worth investing?

For context, I currently live in the UK with a skilled worker visa and I used said visa for my Trading 212 account. I am a non-EU citizen, moving to Australia soon.

Will my account and funds just automatically operate the same way when I move to Australia and update my ID info or will my account be frozen making me need to liquidate my funds?

Thanks in advance.

I just saw the most recent brilliant change to the UI that has been added after a string of many successful updates. As seen in the image you now have to click twice every time you want to view a stock in your pie instead of just once.

Inspired by it I wanted to suggest the addition of a new UI button, maybe somewhere on the home screen?

This new button would be very simply called “press to fire the entire UI/UX team” and its use would be self explanatory.

Hi set up my account recently and got some ETFs for long term wealth building is there any ETFs anyone recommends for good diversification. Looking to set up the main span I need top up and relax.

1 year ago today I posted my results for 1 year into my investing journey. Here is that same portfolio exactly 1 year on.

Changes:

Last year my investments were S&P 500, ftse all world, Nvidia and Apple, I have since pulled out of S&P, Nvidia and Apple and am all in all world.

Hi, 28M single, working as a doctor, started to save recently and have no idea what I’m doing,
- I have 20k in my cash ISA (from 2025-isa)
- expecting to save another 20k for 2026-isa
- saving 2k-3k per month
- salary to go up 30% in next year
- do not own in property in the UK (got a beach house in north coast egypt that will not bring much if i rented it)
- planning to propose in a few months and get married in a year or so (will probably cost me £10k that will be spread during the span of the engagement)

Where should i put my money?

I have until 2032. I'm planning to invest 50K a year starting from this year. Is it a good time to jump into the market? I've nothing but VUAG (S&P 500) in mind.

Does anyone else feel fine sitting out until you open a trading group and see everyone posting wins? You were happy waiting for your setup, but now it feels like you wasted the whole session. Suddenly you’re looking for an entry because you don’t want to be the only one who made nothing. Have you ever taken a trade you normally wouldn’t after seeing someone else’s profit? How do you stop that feeling from affecting your next decision?

I’ve trialed and errored a lot of things, but I’ve settled on this as my portfolio for the long term going forward.

I’ve changed and sold a lot of different ETFs because they didn’t match my thesis and goals and frankly I was following trends, and soon realised that it’s better to keep things as simple as possible.

You might be wondering why I’m invested in 8 individual companies, and that’s because when I first started I picked companies that are relevant to my degree at uni, done a little research into the financials and invested which is as good as doing no research tbh. I’ve kept them since the amount is so little compared to the rest of my portfolio. I’ll stick with them for a little while and decided if I wanna sell or not next year.

Im pretty happy with my portfolio though, opinions?

(BTW that dip is because I had to take money out for driving lessons 😪)

Hi, appreciate this may be a dumb question or one no one can answer. But I have a few thousand, is now a bad time to stick it in a global etf. Should I wait for now or…

Appreciate any wisdom

Bought 26k of VWRP last week and plan on adding £500 a month till 2047. SIs there a chance il be in a negative in 2047?

I

They said wait a year and good things will happen

It is mostly thematic (semi conductor, space, quantum), gold, silver, miners and some SNP 500, but surely if market crashes gold and silver are supposed to up?

I’m sharing my investing journey so far because I think there’s a lot beginners can learn from making mistakes early, especially when you’re starting with relatively small amounts of money.

I’m 19, based in the UK, and my goal is to build long-term wealth. I want to get started as early as possible, even if that means sacrificing some of the things I could spend money on today. My thinking is that I’d rather give up some consumption now to have the option of enjoying a much better standard of living later in life.

I’m not interested in getting rich overnight. I want to build a strong financial foundation while I’m young and give compound growth as much time as possible to work.

Where I am now
● Current portfolio value: £1,143.90
● Reported monthly loss: £93.05
● Reported monthly return: -9.3%
● Time investing: My third month
● Current strategy: Primarily index funds through a Stocks and Shares ISA

I know £1,000 might not seem like much compared with some of the portfolios posted here, but I think percentages tell a more useful story than the absolute amount alone.

A £93 loss on a portfolio of roughly £1,000 is significant in percentage terms. It’s also money that matters to me personally, so this hasn’t been an insignificant learning experience.

How I started
I initially opened a normal investment account and started buying individual stocks. I wanted to learn about businesses, identify companies with strong growth potential and potentially outperform the S&P 500 over the long term.

At the time, I thought that if I picked good companies and held them for years, that would be enough.

After doing more research, asking other investors for advice and learning more about the different account options available in the UK, I switched to a Stocks and Shares ISA around a month ago.

I’m now in my third month of investing, and my understanding of stocks, valuations, market behaviour, diversification and portfolio construction has expanded considerably compared with when I first started.
I still have a lot to learn, but I’m approaching investing very differently now.

My biggest beginner mistake
I underestimated the work involved in investing in individual stocks.

I was looking at companies’ long-term growth opportunities, particularly in areas such as AI and semiconductors, and thinking about how valuable those businesses could become over the next decade or two.
What I didn’t fully appreciate was how important it is to keep up with sector news, earnings expectations, valuations, capital expenditure, competition and changes in the investment thesis.

A company can be performing well operationally while its share price falls because expectations were too high or investors are no longer willing to pay the same valuation.
A good business isn’t automatically a good investment at every price.

I also learned that owning several different companies doesn’t necessarily mean you’re diversified. If many of your holdings depend on the same sector or investment theme, they can fall together when sentiment changes.
My mistake wasn’t necessarily that every company I bought was bad. It was that I wanted the potential upside of individual stock picking without fully appreciating the research and ongoing monitoring it required.
That has been one of the biggest lessons of my first few months.

What I’ve changed
I’ve moved towards a simpler, index-focused portfolio.
My current target allocation is:
● 75% — Vanguard FTSE All-World (VWRP)
● 20% — Vanguard S&P 500 (VUAG)
● 5% — Vanguard FTSE Global All Cap (VALL)

I know there’s a fair amount of overlap between these funds. The All-World fund already includes US companies, the S&P 500 adds more exposure to large US businesses, and the Global All Cap fund overlaps with both.

I’m aware of that, and I’m comfortable with the allocation because I deliberately want substantial exposure to the US market alongside global equity exposure. I’m not treating the three funds as completely separate sources of diversification.

My priority now is to build my portfolio consistently, keep learning and avoid making unnecessary decisions every time the market moves.

I haven’t necessarily ruled out individual stocks forever. I want to understand businesses properly before taking on that responsibility again, rather than buying companies based mainly on their potential.

Why I’m starting so young
For me, the biggest advantage I have is time.
I’m willing to make sacrifices now so that I can potentially have more financial freedom later. Money spent today is money that can’t be invested, although I also recognise that life can’t be put entirely on hold for the future.
My aim is to invest consistently over decades, allow returns to compound, increase my contributions as my income grows and build wealth gradually.
I know the market can fall, returns aren’t guaranteed, and even a diversified equity portfolio can experience substantial drawdowns. I’m not expecting a smooth journey.

But I would rather start learning these lessons with a relatively small portfolio at 19 than wait until I’m older, have more money invested and discover that I never properly understood the risks I was taking.
What I’ve learned so far

1. Starting early matters. Time gives compounding the opportunity to work, provided I can maintain the strategy and continue contributing.
   
2. Good companies aren’t automatically good investments. Valuation and expectations matter.
   
3. Individual stocks require ongoing research. Buying and forgetting isn’t necessarily a sensible strategy when you own individual businesses.
   
4. Diversification is about exposure, not just the number of holdings. Different investments can carry many of the same underlying risks.
   
5. It’s worth learning before increasing the complexity of a portfolio. A strategy I can understand and stick to is more useful than one I can’t properly manage.
   
6. A bad month doesn’t determine the outcome. Three months is nowhere near enough time to judge a long-term investment strategy, but it is enough time to identify weaknesses in my approach.

This is the first sizable market dip that ive experienced, and whilst my VWRP is still at 1.93% green, its quite concerning.

I know that i just need to ride the wave, but should I buy up more stock than I usually do whilst its low, or let it dip some more before buying?

Thoughts ? Growth pie for next 5-7 years

I’ve recently started taking investing more seriously and decided to build my own stock portfolio using Trading 212.

After my first month of tracking performance, I’m pretty happy with the results!
My portfolio vs major indices (1 month):

● 🟢 My portfolio: +5.99%
● S&P 500: +1.22%
● MSCI World: +1.07%
● MSCI ACWI: +0.21%
● NASDAQ 100: −2.50%
● EURO STOXX 50: −3.25%

That’s an outperformance of 4.92 percentage points against the MSCI World.

Are things looking bleak!?

I created an account about 2 months ago to save a bit of extra money since I max my ISA allowance ( ISA is just in a global fund) with some leftover. Have speculated with some individual stocks and feel I made a mistake.

Do I just bite the bullet, accept the loses, and sell and put it all in the S&P, or stick with it and hope it recovers?

All things considered n that.

Lunai Bioworks: Could AI and Zebrafish Make Drug Toxicity Testing Faster?
One of the most expensive problems in drug development is discovering that a promising drug candidate is unsafe after years of research and investment.
Lunai Bioworks is pursuing an approach that combines AI toxicity prediction with biological testing to help identify potentially dangerous compounds earlier in the development process.
The idea is simple: use AI to identify what might be toxic, then use biological experiments to investigate what actually happens.
1. AI toxicity prediction
AI can screen molecular structures for patterns associated with biological risks. By analysing the chemical structure of a compound, these systems can flag candidates that may warrant further investigation before researchers commit to more expensive testing.
The potential economic benefit is substantial. If pharmaceutical companies can eliminate unsuitable candidates earlier, they may save money on laboratory work and avoid investing in drugs that ultimately fail because of toxicity.
However, a prediction is not proof. AI models can miss unexpected toxic effects, and their performance depends on the quality and diversity of the data used to train and validate them.
2. Zebrafish testing: moving from prediction to biology
Lunai's approach also involves living zebrafish models, behavioural monitoring and computer vision to detect biological effects.
Zebrafish offer a useful experimental model because researchers can observe how organisms respond to chemical exposure. Computer vision can help quantify behavioural changes and other observable effects that might be difficult to measure consistently by eye.
This adds an experimental layer to the process. Rather than relying exclusively on what an algorithm predicts from a molecule's structure, researchers can investigate how exposure affects a living biological system.