🇬🇧 Tom - Investor £120K

BIG PORTFOLIO UPDATE I have sold everything… Yesterday I sold everything as in recent weeks I have had a change of mind. The world is getting more volatile and I wanted to have far more exposure to growth stocks / ETF’s because as you know I was purely in income focussed funds. That, combined with the fact I am only 30 years old and sitting on a £100k+ cash stack, the opportunity for growth couldn’t be ignored. Here’s what I’ve done… I sold every single position- even ones in the red. I pulled the bandage clean off. Sure I could have waited but I wanted it done. I made this pie which is essentially my growth pie but with JEQP added. It still includes dividend paying funds but now with a great balance of growth and income. I am looking forward to seeing how it performs. I think it’ll do well. Pie here: trading212.com/pies/ltzntt0aH… Currently now in my stocks and shares ISA I have £60k in this pie (lumped it all in) but in my normal ISA I am keeping circa £45k as cash for now in preparation for the next huge market dump like April Donny tariff wars. I have put £1000 into the pie and I am going to DCA £50 a day into it. Any questions let me know. THANK YOU FOR YOUR ATTENTION ON THIS MATTER Tom

@the_chrishurst No?

@2147mill They are not cheap 😅

UK Banks looking cheap here - anyone buying ?

@polarbear1066 Gold gold and silver as well as mining company etf

@2147mill You have a big drop because your portfolio is light on commodities. They’re up 17% in the last month, driven by oil growth. You want a mixture not just of stocks but also asset classes: mainly equities, but also bonds, commodities.

What a week so far 📉

@Cheerios__I Ya boy is trying

@2147mill Come on, how long are we supposed to wait? 🤣

Guys I’m trying to get back though all my DMs but there is a lot

@adz1902 @jzrdan @HLInvest I’ve never used HL so can’t comment

@2147mill @jzrdan @HLInvest Is it worth tranferring from HL tom?

Hargreaves Lansdown being down and unable to operate on a Friday morning during market hours is an absolute disgrace. The so called “scheduled maintenance” should surely take place on a weekend when markets are closed. Unless there’s something you’re not telling us… @HLInvest

@pgimpey Essentially the same thing

@2147mill The Dist v Acc debate is an interesting one

Reinvested dividends buy more shares. More shares pay more dividends. More dividends buy even more shares. This loop is why dividend investors can retire on portfolios others would say are too small.

@Wodens_Ravens Overly I’d imagine

@2147mill I think so, but we literally have no real visibility on just how exposed the big banks are

@Morgy1989 Would take a while yes

@2147mill Wouldn't it take like 15 years to deposit 300k in a ISA?

Binary choice: Own a £300k house with a mortgage or own £300k of dividend stocks in an ISA? One costs you £1,200/month. One pays you £1,000/month. Both can appreciate. Only one is liquid.

Earning £4 interest a day. UK, doesn’t get you a coffee let alone a croissant Literally anywhere in Europe that gets you coffee and a croissant

@rocks_jonny I hold none

@2147mill Lloyd's been shite for years,used to be 8 quid a pop

@barrett2085 all solid buys

@2147mill VUAG, JEQP, FEPG, WINC and another Vanguard fund. ISA and SIPP. Small amounts, but I took money out the market a few weeks back, and it’s going back in now

Anyone else buying today ?

@Retail_Riser what a guy

@2147mill If in doubt, head to Mr JDs! Not the best food anymore, but man knows how to rustle up some bargains!

@Wodens_Ravens we cooked?

@2147mill Absolutely not right now, private credit market is making me very nervous about the banks. Have been keeping my eye on TBC Bank though

@ApexCompounds whats your meal deal choice. I will judge you

@2147mill Tesco meal deal £3.85🤑🤑

@jzrdan @HLInvest I love it - no issues at all. The charts are a bit naff but not an issue

@2147mill @HLInvest Feedback on it?

@JohnDinsdale48 Claude, what a guy

@2147mill My subscriptions are Claude [code/cowork] Gemini [notebooklm/flow/...] Amazon [Audible/Prime] I think I am in profit from these for investment knowledge

The average UK person spends £147/month on subscriptions. £147/month invested for 30 years at 8% = £218,000. You’re not broke. You’re just funding everyone else’s retirement instead of your own.

@TacticalJive sea front, 2 euro cortado and a 2 euro FRESH croissant

@2147mill Yeah, crazy you can go out to a decent venue in Majorca and pick up a bottle of beer for 2.5 Euros.

@barrett2085 what u buy?

@2147mill Bought yesterday. Will see how US opens, but prepared to buy more

@earnlearninvest going to?

@2147mill I own Lloyds, haven’t added recently. Could be worth buying a few shares