For those that view FI as an investment platform...



  • What % does FI make up of your investment portfolio?

    I'm relatively young, with no wife or kids, but do have a Mrs who's fully supportive of it. As a result, most of my money is tied up in FI as more of a riskier asset.

    My current portfolio breakdown:

    Football Index: 60%
    Vanguard stocks and shares ISA- ETFs : 30%
    Gold: 10%

    Definitely a risky portfolio allocation, but a risk I believe I can afford to take.

    Would be interested to see what the rest of your guys' allocation is.



  • I've invested all my money with the dealer at the casino. Its risky, but I'm holding pocket aces and it surely can't lose, right?

    "View" it as an investment platform all you want, but its 100% a bet on a gambling platform. Thats the long and short of it. You're only a career ending broken leg away from losing the lot! Be very wary.



  • @Meridismo04 currently 70%, looking to drastically reduce that though. Going to put some in safe but boring places for emergency to see covid out, and then il be looking to even out my football portfolios to spread risk but also cast the net wider on these platforms futures.



  • @Leighton As usual the truth is somewhere between the two.



  • @Leighton said in For those that view FI as an investment platform...:

    I've invested all my money with the dealer at the casino. Its risky, but I'm holding pocket aces and it surely can't lose, right?

    "View" it as an investment platform all you want, but its 100% a bet on a gambling platform. Thats the long and short of it. You're only a career ending broken leg away from losing the lot! Be very wary.

    Or a transfer to f#&*ING PSV, has Adam Cole bought PSV?



  • @Meridismo04
    70 percent cash (bank)
    20 percent FI
    10 percent vanguard trackers

    The FI portion is based on portfolio not net deposits (which are close to zero).

    Not sure what to do with the cash. Mortgage is paid off but may get married in next year (covid messing up plans) and if we have kids then may move to bigger house. 41 now so need to get a move on.

    Vanguard percentage will increase as use pound cost averaging (ie pay in a monthly amount).



  • Investing equally into FI, stocks and shares (and gold/silver), a SIPP that the government give me 25% extra on and overpaying the mortgage!😁

    When i say equally I mean slightly biased towards FI...😳



  • @SDOAFIT Would probably look to reallocate cash towards the vanguard trackers. Like you said with the dollar cost averaging, monthly deposits are really powerful on there.



  • Are vanguard trackers good?

    I have about 15% in FI of my own savings, most of it in a help to buy ISA and 90 day savings account.

    The rest is in a stocks and shares ISA but not sure it's going to make much money atm, downloaded Trading 212 the other day, might have a little dabble on there. Won't be as fun as FI though. Anyone use it?



  • @Meridismo04 said in For those that view FI as an investment platform...:

    @SDOAFIT Would probably look to reallocate cash towards the vanguard trackers. Like you said with the dollar cost averaging, monthly deposits are really powerful on there.

    That's sort of the plan but the whole point of pound cost averaging is you drip feed it in. So would take a while. At the moment my monthly amount is from income but guess I could increase and take some from income and some from savings.

    If we do move house the cash should cover it without another mortgage so needs to be in a fairly safe place but its doing Sack all in the banks.



  • @howsthebacon yes I do, it's free and simple, two of the best things when you know very little about investing like me!😆



  • @Marksandygill so is it just like investing in the FTSE 100 for example, you just spread you investment over all the top performing shares?

    Probably not too dissimilar to my Moneybox stocks and shares Isa which is spread over government bonds, top 50 shares etc. All about diversifying.

    Tempted to chuck a tiny amount on some crypto on 212 though, just to see how it goes.



  • @howsthebacon said in For those that view FI as an investment platform...:

    Are vanguard trackers good?

    I have about 15% in FI of my own savings, most of it in a help to buy ISA and 90 day savings account.

    The rest is in a stocks and shares ISA but not sure it's going to make much money atm, downloaded Trading 212 the other day, might have a little dabble on there. Won't be as fun as FI though. Anyone use it?

    Vanguard trackers are basically lowish (for equity) lowish returns. If you go global they track world indexes which historically have gone up approx 9 percent a year if you smooth out spikes and crashes.

    Dunno about trading 212. I have a free trade account for play money. About 100 quid to see if I can beat the market. Big balances are safer in trackers. Most professionals can't beat trackers so doesn't seem sensible for amateurs to put a lot of money in and stock pick themselves



  • @SDOAFIT yeah I don't hold much cash at the bank. Don't like the idea of a lot of my money sitting idle.

    My savings account is basically investment in premium bonds, NS&I. Very easy to withdraw in case of emergency.



  • @howsthebacon I've only explored a bit so far, I have about 10 different shares and gold/silver and you get divs like normal share buying!
    Can't really fault it as it doesn't cost anything!



  • Vanguard trackers are exceptional at generating stable compounded annual returns over a long period of time. I view it as a 6% interest savings account, through my current allocation. But there's risk, you need to reallocate frequently and not panic when markets tumble.



  • @Meridismo04 said in For those that view FI as an investment platform...:

    @SDOAFIT yeah I don't hold much cash at the bank. Don't like the idea of a lot of my money sitting idle.

    My savings account is basically investment in premium bonds, NS&I. Very easy to withdraw in case of emergency.

    To be honest, its kind of there as wasn't sure what to do with it. Outside of my own home don't fancy investing in property or putting a lump sum into stocks.



  • @Meridismo04 said in For those that view FI as an investment platform...:

    Vanguard trackers are exceptional at generating stable compounded annual returns over a long period of time. I view it as a 6% interest savings account, through my current allocation. But there's risk, you need to reallocate frequently and not panic when markets tumble.

    What rebalancing do you do? Made a decision to go pure global equities and not mess with it. Long term equities should return better than 6pc although best to be conservative



  • I’ve bought £20’s worth of Gold leaf



  • About 40% - FI
    40% - Savings Account
    20% - Crypto


Log in to reply