Hi all,
Pretty new to investing & Trading212 & since investing things have been quite positiveā¦ until recently & maybe because Iāve been changing things a lot recently.
Iāve been flip flopping what Iām investing in since Iāve started in Dec, learnt new stuff and received advise.
I had money in a pie I made for companies to focus on. I had the most of my money in there.
I had another pie which were 50 high/high-ish dividend stocks.
I also had a pie of index funds. Hereās a screenshot of it and thatās where I learnt that it didnāt make sense to have it like this
Iāve now changed it to thisā¦ which yes gives a bit of a boost to Emerging Markets & S&P 500.
Iām currently thinking about removing Emerging Markets & giving S&P 500 5% instead.
Today I thought screw it and emptied my āfocus companies accountā & the dividends one and put it all into my index fund pie.
Iām now in the red for everything.
Is this because Iāve done something stupid, have been changing things about too much whichāll take time to settle or is it a case that all companies are hitting hard times?
Hereās a video of my portfolio (including the empties pies).
Any advice would be great.
Time in the market > timing the market.
The longer you are invested, the better returns you should have.
If you have convictions in your stock / etf picks, then stick to them.
If your looking for something simpler, then check out tickers VWRP, FWRG, HMWO, and just keep buying with what you can afford to leave in to grow your returns.
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Exactly that. Keep it cheap, simple and boring for looooong term success!
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The advice I have found in my journey into investing suggests a few thingsā¦
- you already have a large S&P allocation with vanguard all world funds so itās up to personal preference whether to add even more tilt towards American markets which are ātechnicallyā overbought at the moment.
- emerging markets are a good idea to hedge against America losing some dominance in the long run but most people say to allocate no more than 10% there so worth checking your portfolio/Pie weights by region in the app because All-world funds also already given you exposure so again you are doubling down by adding a second EM fund similar to with S&P (I have 15% in EM as a personal choice as I have 30+ years to invest so do what you are comfortable with)
- markets have taken a hit recently and possibly rebalancing has simply given you new figures which show you in the red even though you may still be up in real terms
- time in the market not timing the market is the best advice. Nothing wrong with messing around now to figure out what youāre happy with, but once you have settled on an allocation you have conviction inā¦ Set and forgetā¦ use the pie analysis to see what your allocation really looks like by country or by sector. And then just DCA (Regularly top up) the pie and let time do itās thing.
Hope this helps
Also check out Ramin (Pension craft) or Damien (Damien Talks Money) on YouTube to get some further info on globally diversified portfolios and portfolio ātiltā for some further info
I suggest learning some basic Technical Analysis on how to read a chart and price action.
An invaluable tool to gauge where the market participants heads are at, manage risk and where/when to potentially weight your investment purchases higher or lower, so your average price/entry is better over time.
Support/Resistance levels, RSI indicator, 200day moving averageā¦ some staple basics to start you off.
