Here is mine.
Ā£60 autoinvest a month
https://trading212.com/pies/l71JNLzsLLkXTcUZtkfUvEqMtJeH
Recently changed to full ETF pie. Made small profit with individual stock but I prefer ETFās
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try entering the pie links on a desktop browser and it should open properly for you.
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Hereās mine. 12% return including dividends and realised gains.
12 holdings: ETFs only.
Started in April.
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I just hit Ā£21k with the vaccine news pushing everything up, on 212 I have invested around Ā£6500 and itās worth around Ā£7.8k
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Itās really interesting to see how there are so many people investing in individual stocks and customised stock portfolios.
Given that there are numerous studies showing that ETFs will outperform stock picking for the long run, itās really difficult to keep motivated to stick to your 8-12% yearly returns with an ETF only portfolio when you see people gaining 50%+ in a few months haha.
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That is called a short term look in rare view mirror. Wouldnāt pay much attention to it in long run really.
I personally donāt invest in ETFs currently , because from Value perspective they are historically overvalued. So I believe single beaten stocks offer more value and possible bang for buck. Then buying whole market. Ofc there is more risk, but one I am willing to take.
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Studies show that historically ETFs have beaten Retail on average. But for sure you can be the person who outperforms the index. The difference is, you have peace of mind. You donāt have to worry about your portfolio. Sure you might only gain 10%, but itās the same both ways, you might only lose 10%. While is out here gaining 50% might feel good when itās upside, itās reversible. The nice thing is Iām up over 100%, so I donāt see it ever going back under that amount- but it could.
Itās can be a good thing to have a little conviction. Give 10% or something into a few stocks you really understand and believe have long term potential to outperform. And itās a bit more fun that way too!
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Remember banks are only paying 0.01%.
8% relatively risk free is a god send.
Donāt get in the grass is greener effect. 
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Yeah it does seem like that but a lot of the big gains are usually unrealised. Stocks can go down faster than you can imagine, it wouldnāt be unusual for some growth stocks to drop 20% in a day or even 50%. I can see that happening then a mass scramble to sell.
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8% is historical average , but there were periods of lower return and lost decades. So it is not so black and white, there are a lot of shades in between.
Key question rather, what kind of investor do you plan to be: Active or passive.
This pretty much provides answers on what are best type of assets to focus on.
Well, itās definitely good to see a lot of different perspectives.
Personally, the reason I favour ETFs is that, as much as I would love to take on risk, I donāt like uncertainty (there is a difference). With individual stocks, there are just too many unknowns.
As a younger investor, Iām increasing my portfolio allocation towards small caps and mid-caps in order to increase risk. However, I donāt think I would invest in individual stocks just because I donāt like the idea of 1 random CEO of a company managing my money. Iād rather have thousands working together to make me money 
ETFs also help take emotion out of things.
Also with the growth stocks. Hereās an example.
Person A. 50k to invest. Puts it all in ETFs
Person B. 50k to invest. Puts 5k nio. 5kā¦ 5k nikola etc. (because of risk they put small amounts) leaves 20k in cash chasing the market.
Person B is bragging about big gains but after 10 years who will have most money? Person A is fully invested so I would say Person A would come out on top in the long run with less stress and effort
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I agree on this part. But it is not quid pro quo that ETFs are superior vehicles.
Average or median returns always give statistical evidence, but like salaries for example, there are folks here investing, that have salaries 2x or 3x their average local /city or country.
So I believe this generalisation about average investors underperformed market is just that, paper statistics, sure if you donāt plan to be active and spend time, I 100% agree ETF is perfect fit.
But for individuals who want to spend time understanding market and business. He can ripe benefits of being above average like in other parts of day to day life.
People are just creating stigma about difficult to beat the average, but many beat various averages in their professional or private life.
Someone saying ETF is best way, is basically saying, quit trying you can never be good enough to beat average. So it comes to individual, accepting average in their life, or are they one that works their way to top.
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DPYA too is a goodāen. Accumulating, global. But also not fractional.
GLRE for a more industrial focus.
Nice tips. I am going to look into these. Thanks
I had some money put away for festivals and trips this year , so stuck 5k in premium bonds (won 2*25 so far ) and 1k in here ā¦ I bought some crypto cfds but cashed out those this week and withdrew 500 to pay for some stuff ā¦ I currently have about 930 inā¦ so 430 profit in a month ā¦ obviously small change to some of you , but Iām impressed so far !!
I am a firm believer that you donāt diversify for the sake of diversification. It has potential to limit your gains because you wonāt realise your full potential. My aim is to beat the S&P 500 year in year out, and do so comfortably, and have a positive year in any year S&P is down. Itās individual stocks for me. ETFs are for the lazy.
Lazy isnāt the word I would use. I would say people with different priorities with their time. Most peopleās lives wonāt revolve around their investments, and theyāll be happy as long as itās growing
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Wow, congrats dude that is insane. Iām in the same situation as you 
I have a 10% cap of my investment portfolio on 212. Main reason why is I have my S&S ISA elsewhere holding funds with Cavendish online at a 0.25% platform fee.
When my performance does well here, I cash out and top up my ISA until full.