[planemad]

I have invested in 1 wife (of whoms has many up's and down's) and 2 children.

To be honest - I have a property portfolio, I have a building company so having some properties on the go helps me as somedays I run out of work for the guys who we employee so I send them to the properties.

We specalise in buying properties and convert them to flats, we tend to buy old pubs, childrens homes, council rent offices which can be easliy split.

[MickyD'bo]

Do most here invest in funds directly or do you use a financial advisor/broker/asset management company?

[BnB]

Originally Posted by MickyD'bo

Do most here invest in funds directly or do you use a financial advisor/broker/asset management company?

Woody Allen said that a financial advisor is someone who will tell you where to invest your money right up to the point where there is none left.

Nevertheless I have one and, true to Woody's observation, I'm down a few per cent this year. But markets are down further so it's to be expected. He is a source of potentially valuable advice and certainly might steer the uninitiated aware from disastrous investments. As a case in point, see how quiet the Bitcoin thread became once people started enduring big losses.

[rich100]

Originally Posted by BnB

Woody Allen said that a financial advisor is someone who will tell you where to invest your money right up to the point where there is none left.

Nevertheless I have one and, true to Woody's observation, I'm down a few per cent this year. But markets are down further so it's to be expected. He is a source of potentially valuable advice and certainly might steer the uninitiated aware from disastrous investments. As a case in point, see how quiet the Bitcoin thread became once people started enduring big losses.

The bitcoin rise and fall was reminiscent of the dot com crash for me. Learnt a couple of useful lessons about bubbles during that little episode so for this one I sat on the sidelines and watched.

No doubt some will have made a killing on cryptos if they were smart enough to take profits or if they managed to successfully trade the volatility. I would have thought though they were heavily outnumbered by those that bought in near the top and then subsequently got burned.

When stories started emerging of people re mortgaging their house to buy in that seemed like a good time to get out.

[MashinBenzin]

I make my own investment choices, but pay close attention to the (non-personal, generic) advice of Hargreaves Lansdown. Managing risk is a personal choice and needs to be geared to your time of life/time in the market etc., but picking/recommending good performers from many similar funds is something HL do well.

[JD6]

Originally Posted by rich100

The bitcoin rise and fall was reminiscent of the dot com crash for me. Learnt a couple of useful lessons about bubbles during that little episode so for this one I sat on the sidelines and watched.

No doubt some will have made a killing on cryptos if they were smart enough to take profits or if they managed to successfully trade the volatility. I would have thought though they were heavily outnumbered by those that bought in near the top and then subsequently got burned.

When stories started emerging of people re mortgaging their house to buy in that seemed like a good time to get out.

As discussed at the time

http://f30.bimmerpost.com/forums/sho....php?t=1453704

it did have all of the hallmarks of a bubble, with novice investors believing they had the inside track - the 'shoe shine boy'. And people calculating how much they would be worth assuming it carried on up at the same rate. When they could retire etc.

I hope no-one here got too badly burnt. I suspect some might not admit it if they had.

[BnB]

Originally Posted by MashinBenzin

I make my own investment choices, but pay close attention to the (non-personal, generic) advice of Hargreaves Lansdown. Managing risk is a personal choice and needs to be geared to your time of life/time in the market etc., but picking/recommending good performers from many similar funds is something HL do well.

Over more than 20 years investing experience I've rarely encountered managed funds that outperform the relevant index, be that for a specific sector or more general. There's plenty of evidence that passive investing via ETFs provides greater profit than an actively managed approach.

Fees do a lot of damage to your returns. And any manager who has to hold 100-200 names in a portfolio will find it hard to avoid a high proportions of underperforming assets.

Warren Buffett would say pick 10 top quality companies when their price is at a low ebb and hold for 20 years without adjusting your portfolio. The theory behind this approach was laid down in the best non-fiction book I've ever read "the Intelligent Investor" by Benjamin Graham, Buffet's early employer and mentor.

It sounds so simple but it takes iron discipline to follow. As a historical legacy, I still have the majority of my equity investments in managed funds but I'm trying to migrate across over time.

[JD6]

Originally Posted by Kiddy1

One with huge future potential - Sirius Minerals PLC.

Sirius does have potential, but like most early stage resource stocks, there is a lot that has to go right before they make a profit. I think Chris Fraser is a very credible CEO, and largely down to that I bought some after phase 1 funding was agreed.

Phase 2 is still a big ask - they need a huge amount of cash to build the 37km tunnel and MTS. Can they get that without severely diluting existing holders is the key question. They aim to fund it with debt, but I imagine there will have to be an equity element, probably in the form of convertible bonds.

[Hooded]

Originally Posted by BnB

Woody Allen said that a financial advisor is someone who will tell you where to invest your money right up to the point where there is none left.

Nevertheless I have one and, true to Woody's observation, I'm down a few per cent this year. But markets are down further so it's to be expected. He is a source of potentially valuable advice and certainly might steer the uninitiated aware from disastrous investments. As a case in point, see how quiet the Bitcoin thread became once people started enduring big losses.

Anyone who made big losses recently on bitcoin bought it during the bullrun at the end of last year. Never buy when the price is at record highs, only buy the dips. Investing in cryptocurrencies is high risk so only invest what you can afford to lose!

[isleaiw1]

So i decided not to put it off anymore and made a start with a HL stocks and shares ISA using some of the funds recommended on here. I dont plan to do too much "messing" for the first 12 months and will try and give it a chance to get started and settled before I diversify further.

[Hooded]

Originally Posted by isleaiw1

So i decided not to put it off anymore and made a start with a HL stocks and shares ISA using some of the funds recommended on here. I dont plan to do too much "messing" for the first 12 months and will try and give it a chance to get started and settled before I diversify further.

I've got a medium risk stocks and shares ISA .. over the last 6 years its averaged out at around 10% gain per year

[isleaiw1]

Originally Posted by Hooded

I've got a medium risk stocks and shares ISA .. over the last 6 years its averaged out at around 10% gain per year

But past performance is not a guarantee of future performance

[Hooded]

Originally Posted by isleaiw1

But past performance is not a guarantee of future performance

Quite .. but over the long term (20/30 years) shares generally beat housing, gold, etc.

[fabritio1995]

I would like to invest in real estate. I switched to investing quite recently. I became interested in this area because my father has been doing this for a long time and since childhood he taught me a little. Given that I had accumulated a relatively large amount of money during the quarantine period that I could have invested somewhere, my father advised me to contact these guys who told me about finding real estate investors. They could help me with a real estate investment. I chose real estate because I believe it is the most reliable way to invest my money in the future.

[Ressler]

I think that property investment still has pretty good prospects in my country. Choose a comfortable residence for your family or several units for rent.

[330XDave]

People will look down their noses at stocks and shares apps such as Trading 212 but it's a great place to start and allow you to invest in an ISA so no tax worries, plus it's free to use. You can also buy all the cheap penny stocks that seems to be all the rage (not my thing), although most are only available under the "Invest" tab rather than "ISA" so big gains would be subject to CGT.

T212 is definitely a cheap way to get in to stocks and shares and ideal for beginners.

Just remember to do you own research and don't just follow Facebook pages, forum recommendations etc.

[JustChris]

I prefer to use my company Telsa for insider trading, it's a sure fire win.

Recently I bought a load of Bitcoin then later announce Bitcoin could be used to pay at Tesla superchargers.

[Geriennene]

I was thinking about investing in shares of world-renowned companies. But it seems to me a little unprofitable, and I'd rather invest the money in my own business, which will bring me profit. Now I'm taking online courses to create an online casino. Programmers assured me that it is best to seek help from professionals. So I started researching the topic and found the best game providers. As I was told, the well-known las atlantis casino https://las-atlantiscasino.com/ cooperates with companies that offer modern games with good graphics and nice music. I plan to contact these gambling soft suppliers and discuss everything.

[Scoobyd]

Originally Posted by Geriennene

I was thinking about investing in shares of world-renowned companies. But it seems to me a little unprofitable, and I'd rather invest the money in my own business, which will bring me profit. Now I'm taking online courses to create an online casino. Programmers assured me that it is best to seek help from professionals. So I started researching the topic and found the best game providers. As I was told, the well-known las atlantis casino https://las-atlantiscasino.com/ cooperates with companies that offer modern games with good graphics and nice music. I plan to contact these gambling soft suppliers and discuss everything.

Seems entirely legit...

[isleaiw1]

Originally Posted by Scoobyd

Seems entirely legit...

Given I have contacts in online gaming businesses, I will go and recommend this straight away as I doubt the best and biggest do it in house....

Anyway, my ISA is now 3.75 years old and doing OK, could probably do better if I was more bothered but to me its more about the discipline of putting money away and not blowing it on cars and other stuff, the return is sort of incidental!