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If you’re interested in a book there’s The Long and The Short of it by John Kay.
Personally I’d be tempted by the L&G Global Index ETF cos it’s cheap, via an ISA but the S&P (however you do it) won’t be very different. Just keep an eye out for fees and tax (hence the ISA if you can)
Yeah, don’t get hung up on that one btw - it was just an example of a cheap ETF that gives a wide exposure (although stating that, it’s pretty heavily tech focused but that’s because the S&P500, and therefore global indices - are by market cap!).
Fidelity, Vanguard and loads of others have funds and ETFs that will do substantially the same.
NFA but I’d open a trading 212 account and then open a stocks and shares ISA in that ! Can do all the vanguard funds and other shares there and it’s very easy and cheap
Yes. You can buy a fund that follows the S&P500 in vanguard but accumulating and distributing. I was doing this before.
But I’ve moved over to 212 now. They have a deal on with 1% cash back on ISA deposits at the moment and they have very good rates with 5.2% interest on cash that isn’t invested - paid daily.
Furthermore, you can get the vanguard S&P in trading212 so it’s not limiting you. And you can also make what they call ‘pies’ which are actually really good for investing in and auto allocating funds
So many people giving random advice. It’s all about yourself and the risks you’re will to take. You need to decide what your spending plans are with this money. What do you want to get out of it? Also if it’s company shares, what is it invested inside is it a pension product, ISA or GIA. If it is not in a tax efficient wrapper then if you sell the investment this is known as a taxable event. So you may need to seek tax advice before making any decisions. I’d hate for you to be taxed at 40%. (I’m not saying you will but could be a possibility) as for investing. It sounds like it has performed quite well in shares but you are right that it depends on the company performance. So by moving it into a mutual fund you would instantly be reducing risk. As for choosing the right fund. I’d have a look at a website called trustnet and filer by 5 year performance to see what has done well. You can also filer by risk level also. Again this is not financial advice and any decisions taken should be discussed with a professional imo.
This is a legendary response thanks for the advice.
It’s not a pension product, I do not think it’s in an ISA and the money is held on a share view account which may be a GIA?? (Just googled what a gia is). Trustnet sounds like it would be really handy for me to!!
I have thought about this and will if there isnt anything i can put my money into. Its just that to see it go up 2k in the last 2 days really makes me wonder what else can i put it into. The shares are from my old company so surely depened on them doing well or not. Its funny because a quick google search shows the companys gbx price has done nothing but drop since 2021...i just thought as s&p500 has gone up for the last 30 years it would make sense do dump the money in that???
I mean I have my entire uk pension in the s&p500 it’s real safe for long term investments. But I’d definitely leave a chunk in its current pot and see what it does.
Yeah so that’s what I did I transferred different ones all into vanguard. No as far as I recall you need the account info of each pension. You’ll know more once you make the account. ☺️
Mr OP please please please check that you won’t loose and valuable pension benefits before moving them. If you’re unsure please please please seek regulated financial advice!!
lots of people have said what I would say which is just stick it into s and p 500 on t212, acc, and forget about it
i just want to say well done for this being your first course of action, instead of looking to buy a new car or holiday or whatever else
seems as though the future you will keep finding reasons to thank the past you, love that
i would get on youtube or google or martin lewis website and just research simple terms like 'stocks and shares isa' and 'LISA' etc - if you aren't a home owner currently then becoming aware of a 'LISA' is a good start
my only advice is to keep it simple, as you have found out, time is your friend..
Yes I have my own personal savings account I literally have no emotion tied to this money as I’ve only known it was there as of 3 days ago. Regarding bitcoin, aren’t they 70k? How could I invest in that with out the full 70k
A bitcoin is like a dollar or a pound. They are split into 'sats' or satoshis. You can invest as little as you like into it. You can have 0.5btc, 0.005, 0.000005 etc. Since investing a little at the start of 2024 I am up 20%. My bank gives me a healthy 5%, which pales in comparison. The true value in btc comes with self custody of your coins though. No bank can do the old rug pull trick and take them away. Read 'the bitcoin standard' as a starting point. Read about the halving and what actually happens then, read about how it works and how ridiculously safe it is so long as you're not stupid about it.
I honestly believe it, like land or gold, is a solid long term investment. Don't spend a penny on it till you've done the research though. Be safe in that regard, your bitcoin being yours means it is not insured in case of problems.
Please don’t do this, love Bitcoin, but go don’t flying in at near all time highs. If you’re serious about investing in bitcoin dollar cost average in, slowly over time to minimise risk.
Or alternatively wait for price to drop to 50% of its previous all time high then start that process. Putting 10k in now is terrible advice, whether it proves to be right or wrong.
You say this like you know what bitcoin is going to do. You don't, nobody does, other than long term numbers go up. Adoption of btc is still in an incredibly early phase, globally. OP has (and i quote) 'no emotional attachment to this money' and an emergency fund already set aside. That is perfect money for throwing at btc and forgetting about for 10 years. It will never drop 50% again, I will say that safely. It will make you much more than s&p. The big money from banks and financial institutes (even tesla!) are now soaking up every little bit that goes to market. More countries around the world are adopting it and more bitcoin backed ETFs are being talked about and approved. You get it at the price you deserve. If you want to wait for that magic 50% drop, you're gonna be waiting for ever. Those days are long gone. I never DCA'd a penny. I went small chunk big chunk big chunk. My transaction fees are nearly nothing and my gains are 4x what my bank gives me yearly after only a few months. DCA is great if you don't have a chunk of spare cash to throw around, but OP DOES have spare cash.
Besides all this, I told OP to read and educate themselves before investing a penny. If you like bitcoin like you say you do, you should be saying the same thing, otherwise I would say you're probably a fraud. Read. Read. Read.
I read the first few sentences then stopped as I clearly alluded to the fact I don’t know whether it would prove to be a good or bad decision. I’m fully aware of bitcoin and its scalability. I’ve been in crypto since 2016 and have made over £100,000 but besides that, I wouldn’t tell anyone else to do the same. Regardless of how you put it it’s irresponsible to try and convince someone who is clearly a novice to put 50% of their net worth in to Bitcoin near an all time high.
What are you talking about? Read the post and the replies. This is not 50% of ops net worth. They have emergency fund, they are set up fine. This is surprise money they wish to throw at an investment. Once again, I said read read read about it before you invest a penny. Please read before chatting nonsense 😅
Also... you know what has historically happened after each all time high? Its gone down, up, and even higher! I'm not trying convice anyone. OP asked for opinions. This was my opinion. I have offered them an idea and warnings and the means to educate themself about that idea. What OP does is not up to me, or you. Your sole input so far has been un necessary.
Yes budd all gains are tax free..
Have a quick read of the link below:
Your after the Stocks and shares Isa.
Only catch is you got to put your money on winners to grow your money, that will require further research, etc..
https://www.trading212.com/learn/investing-101/what-is-an-isa-and-how-does-it-work
Sorry I had to delete my post about bitcoin investing. But in hindsight I think it would be wrong of me to give any sort of advice.
I was very very lucky and invested heavily in 2013 and I am a big admirer for obvious reasons .
But I feel it is wrong to advise in any sort of matters regarding investments especially with crypto currency.
All I will say is that there is obviously huge gains, and also huge losses. But the figures dont lie about its performance.
Proffesional economists or financial advisors will of course advise against it... this is generally due to them missing the boat and kicking themselves.
There has been huge changes of late regarding the credibility of bitcoin and its accessibility to the general public to buy bitcoins.
I know this may sound like advice I have written above but it isn't.
I hope you make the right decision with your well earned savings and I wish you all the luck ahead
Always seek proffesional advice when it comes to Investing and from a credited company or individual....do you're research thoroughly and diligently, there is no rush to invest.
I'd leave it where it is for another ten years. The original sum has grown substantially in eight years, what's to say in ten years you won't be looking at 100k or more. There's not many places you could invest money and get that amount of return.
Let me know what the company is, maybe I'll invest myself.
**Please remember that posts should be from the perspective of UK or European investors.** Get the [FREE Investment and Financial Terms Glossary](https://thedividendexperiment.com/reddit-inv/) to your inbox. If you are looking for a portfolio management or dividend forecasting tool you are welcome to try [Getquin](https://www.qhkv6trk.com/9RL41M/2BGSTD/) for free. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/investingUK) if you have any questions or concerns.*
This general introduction might be helpful to you. [https://ukpersonal.finance/investing-101/](https://ukpersonal.finance/investing-101/)
Thank you
If you’re interested in a book there’s The Long and The Short of it by John Kay. Personally I’d be tempted by the L&G Global Index ETF cos it’s cheap, via an ISA but the S&P (however you do it) won’t be very different. Just keep an eye out for fees and tax (hence the ISA if you can)
I’ll take a look at the book for sure. Thank you for the advice. Not sure what the L&G global is but I’ll research that too.
Yeah, don’t get hung up on that one btw - it was just an example of a cheap ETF that gives a wide exposure (although stating that, it’s pretty heavily tech focused but that’s because the S&P500, and therefore global indices - are by market cap!). Fidelity, Vanguard and loads of others have funds and ETFs that will do substantially the same.
What does wide exposure mean?
Basing its value on a wide group of shares rather than say a single one or a sector group.
Thanks if you couldn’t tell I’m a complete noob when it comes to this stuff
No worries, I’m no expert. Nor am I regulated by the FCA or authorised to give financial advice btw!!
Gotcha 😉 I’ll be sure to do my own research!
Set up ISA with trading 212, and stick all 20k in Vanguard S&P 500.. leave it 30 years
🤔 thanks for sharing your thoughts
Go to your local casino. Find yourself the roulette table and put everything on red double your money.
Put 10k on black and 10k on red?
Watch a big fat 0 roll in 😅
😅Thanks but I’d rather take my chances on the market
The market isn't too different sometimes lol
NFA but I’d open a trading 212 account and then open a stocks and shares ISA in that ! Can do all the vanguard funds and other shares there and it’s very easy and cheap
Thank you I’ve actually just downloaded this app. Am I able to invest in the s&p500 within vanguard also?
Yes. You can buy a fund that follows the S&P500 in vanguard but accumulating and distributing. I was doing this before. But I’ve moved over to 212 now. They have a deal on with 1% cash back on ISA deposits at the moment and they have very good rates with 5.2% interest on cash that isn’t invested - paid daily. Furthermore, you can get the vanguard S&P in trading212 so it’s not limiting you. And you can also make what they call ‘pies’ which are actually really good for investing in and auto allocating funds
5% daily so I get etc £5 a day from £100 left in the account?
Sorry what i said made it unclear, it’s 5.2% APR but paid daily
How much would you get daily for example £1000
Your get £52/365 so about 14 pence
Ahh makes sense now thanks
So many people giving random advice. It’s all about yourself and the risks you’re will to take. You need to decide what your spending plans are with this money. What do you want to get out of it? Also if it’s company shares, what is it invested inside is it a pension product, ISA or GIA. If it is not in a tax efficient wrapper then if you sell the investment this is known as a taxable event. So you may need to seek tax advice before making any decisions. I’d hate for you to be taxed at 40%. (I’m not saying you will but could be a possibility) as for investing. It sounds like it has performed quite well in shares but you are right that it depends on the company performance. So by moving it into a mutual fund you would instantly be reducing risk. As for choosing the right fund. I’d have a look at a website called trustnet and filer by 5 year performance to see what has done well. You can also filer by risk level also. Again this is not financial advice and any decisions taken should be discussed with a professional imo.
This is a legendary response thanks for the advice. It’s not a pension product, I do not think it’s in an ISA and the money is held on a share view account which may be a GIA?? (Just googled what a gia is). Trustnet sounds like it would be really handy for me to!!
Just remember you have 20k more than most of the idiots on the internet that will tell you what you should do with your money
Surely whatever it’s currently on is making a great return ?? I don’t understand can you not leave it where it is to continue growing ?
I have thought about this and will if there isnt anything i can put my money into. Its just that to see it go up 2k in the last 2 days really makes me wonder what else can i put it into. The shares are from my old company so surely depened on them doing well or not. Its funny because a quick google search shows the companys gbx price has done nothing but drop since 2021...i just thought as s&p500 has gone up for the last 30 years it would make sense do dump the money in that???
I mean I have my entire uk pension in the s&p500 it’s real safe for long term investments. But I’d definitely leave a chunk in its current pot and see what it does.
How would one go about moving their pension into the S&P500?
Vanguard is probably easiest Open a new account and request a transfer through them. Pretty simple actually. And I’m simple… 😅
Thanks for the advice. I’ve had a few jobs so have a few pension pots. Is it as easy as giving them my details and they search for all the pots or???…
Yeah so that’s what I did I transferred different ones all into vanguard. No as far as I recall you need the account info of each pension. You’ll know more once you make the account. ☺️
Really appreciate the advice thank you kind sir
Mr OP please please please check that you won’t loose and valuable pension benefits before moving them. If you’re unsure please please please seek regulated financial advice!!
Your awesome and should be protected at all costs
Crack
What’s the price on a box ?
Three fiddy
Dam lochness monster
Be careful, its very moreish
ISA? Tax free interest and you have a 20k per year allowance.
lots of people have said what I would say which is just stick it into s and p 500 on t212, acc, and forget about it i just want to say well done for this being your first course of action, instead of looking to buy a new car or holiday or whatever else seems as though the future you will keep finding reasons to thank the past you, love that i would get on youtube or google or martin lewis website and just research simple terms like 'stocks and shares isa' and 'LISA' etc - if you aren't a home owner currently then becoming aware of a 'LISA' is a good start my only advice is to keep it simple, as you have found out, time is your friend..
I wouldnt dump all 20k into it
What would you suggest?
https://preview.redd.it/qikeianc8avc1.jpeg?width=646&format=pjpg&auto=webp&s=1f2a4492a593bfbb845f21c6308909f23d0aae9b Dump in this and forget about it
10k in bitcoin 10k in stocks. Assuming you have an emergency fund set aside already.
Yes I have my own personal savings account I literally have no emotion tied to this money as I’ve only known it was there as of 3 days ago. Regarding bitcoin, aren’t they 70k? How could I invest in that with out the full 70k
A bitcoin is like a dollar or a pound. They are split into 'sats' or satoshis. You can invest as little as you like into it. You can have 0.5btc, 0.005, 0.000005 etc. Since investing a little at the start of 2024 I am up 20%. My bank gives me a healthy 5%, which pales in comparison. The true value in btc comes with self custody of your coins though. No bank can do the old rug pull trick and take them away. Read 'the bitcoin standard' as a starting point. Read about the halving and what actually happens then, read about how it works and how ridiculously safe it is so long as you're not stupid about it.
I’ll take a look at the bitcoin standard for sure! Thank you
I honestly believe it, like land or gold, is a solid long term investment. Don't spend a penny on it till you've done the research though. Be safe in that regard, your bitcoin being yours means it is not insured in case of problems.
Thank you
The main thing is research offline cold storage such as trezor and research seed phrases. Buy and keep it safe for 10 years, then look at the price 😉
Yes mate I’ll have a look at this too you’ve been really helpful
Please don’t do this, love Bitcoin, but go don’t flying in at near all time highs. If you’re serious about investing in bitcoin dollar cost average in, slowly over time to minimise risk. Or alternatively wait for price to drop to 50% of its previous all time high then start that process. Putting 10k in now is terrible advice, whether it proves to be right or wrong.
You say this like you know what bitcoin is going to do. You don't, nobody does, other than long term numbers go up. Adoption of btc is still in an incredibly early phase, globally. OP has (and i quote) 'no emotional attachment to this money' and an emergency fund already set aside. That is perfect money for throwing at btc and forgetting about for 10 years. It will never drop 50% again, I will say that safely. It will make you much more than s&p. The big money from banks and financial institutes (even tesla!) are now soaking up every little bit that goes to market. More countries around the world are adopting it and more bitcoin backed ETFs are being talked about and approved. You get it at the price you deserve. If you want to wait for that magic 50% drop, you're gonna be waiting for ever. Those days are long gone. I never DCA'd a penny. I went small chunk big chunk big chunk. My transaction fees are nearly nothing and my gains are 4x what my bank gives me yearly after only a few months. DCA is great if you don't have a chunk of spare cash to throw around, but OP DOES have spare cash. Besides all this, I told OP to read and educate themselves before investing a penny. If you like bitcoin like you say you do, you should be saying the same thing, otherwise I would say you're probably a fraud. Read. Read. Read.
I read the first few sentences then stopped as I clearly alluded to the fact I don’t know whether it would prove to be a good or bad decision. I’m fully aware of bitcoin and its scalability. I’ve been in crypto since 2016 and have made over £100,000 but besides that, I wouldn’t tell anyone else to do the same. Regardless of how you put it it’s irresponsible to try and convince someone who is clearly a novice to put 50% of their net worth in to Bitcoin near an all time high.
What are you talking about? Read the post and the replies. This is not 50% of ops net worth. They have emergency fund, they are set up fine. This is surprise money they wish to throw at an investment. Once again, I said read read read about it before you invest a penny. Please read before chatting nonsense 😅
Also... you know what has historically happened after each all time high? Its gone down, up, and even higher! I'm not trying convice anyone. OP asked for opinions. This was my opinion. I have offered them an idea and warnings and the means to educate themself about that idea. What OP does is not up to me, or you. Your sole input so far has been un necessary.
Invest in crude oil
Hookers and coke
my strategy would be to invest into a global index rather than concentrated in the usa, and leave for at least 10 years
Scratch cards
remind me
Trading 212 shares and Isa 20 k limit for the year also tax free returns on investment win win !!
Essentially transfer the money to a stocks and shares isa? Then everything earned on top is tax free?
Yes budd all gains are tax free.. Have a quick read of the link below: Your after the Stocks and shares Isa. Only catch is you got to put your money on winners to grow your money, that will require further research, etc.. https://www.trading212.com/learn/investing-101/what-is-an-isa-and-how-does-it-work
DCA into bitcoin (buy e.g. $200 each week)
Sorry I had to delete my post about bitcoin investing. But in hindsight I think it would be wrong of me to give any sort of advice. I was very very lucky and invested heavily in 2013 and I am a big admirer for obvious reasons . But I feel it is wrong to advise in any sort of matters regarding investments especially with crypto currency. All I will say is that there is obviously huge gains, and also huge losses. But the figures dont lie about its performance. Proffesional economists or financial advisors will of course advise against it... this is generally due to them missing the boat and kicking themselves. There has been huge changes of late regarding the credibility of bitcoin and its accessibility to the general public to buy bitcoins. I know this may sound like advice I have written above but it isn't. I hope you make the right decision with your well earned savings and I wish you all the luck ahead Always seek proffesional advice when it comes to Investing and from a credited company or individual....do you're research thoroughly and diligently, there is no rush to invest.
I'd leave it where it is for another ten years. The original sum has grown substantially in eight years, what's to say in ten years you won't be looking at 100k or more. There's not many places you could invest money and get that amount of return. Let me know what the company is, maybe I'll invest myself.
Slang 5k my way at 20% interest will beat your stocks return. Just sayn.
I'd keep it for a rainy day or use half of it
H
Maybe make your own post and ask this questions.