Trillions of dollars wiped from stock markets..

[Notch7]

Do you know what a managed fund is?

Why is it bad advice.

 

[Justin Passing]

I’ll have a look tomorrow.

Any particular shares ?

No.
Things will I daresay be volatile, and most things down I expect, because I can't think of reasomns why much should be UP!. Gold is a "safe haven" for money, but that has taken a hit too. I have some gold, I hope it'll rebound, but I did do some quick selling, and some hit the stops so sold itself.
I'm also out of that ManDy as well, as it's wobbling. There are "money market" stocks available, which are pretty much the same as the building society rates, so I switched back to those.
I added a bunch to this 6 month chart - they're all on top of each other at 2 and a bit %. That's such a low rate that I'm holding a lot of cash, so it's available when things settle.

But YES
If you want something that's likely to move, look at, you guessed, Tesla. Also SMH which is an ETF (Bunch of shares) all producers of semiconductors. SMC (SMCI) is the big chip maker in Taiwan. Then there's gold to look at, and arms defence stocks like Rheinmetall in Germany. Some fthem ar likely to be so "choppy" that it would be hard to pick a trend. You can also buy/sell S&P 500 or NASDAQ which is the techy stuff.
Leave UK shares mostly, because they have a 0.5% tax.


The individual stock exchanges like the DAX(Germany) are moving about.
As are currencies. If there's a hit on the Dollar you can buy the "pair" - GBP / USD or whatever..
Those are leveraged x30 so if it moves 0.1% your move is 3%.

I may do nothing tomorrow. It's easy to get caught in times like this. If gold takes off, then sure go with it, etc etc.
Try 3GDX. Use TradingView as a chart.

You can see what happened in Japan or HK overnight to give a clue about activity, then there's "Premarket" to look at. All Googlable.

Don't even think of using real money until you've [ractsed - most platforms have simulators.

 

[Justin Passing]

Do you think there will be another blood bath Monday?

I think people MIGHT wake up to a huge drop in their shares. However, them wot have seen it all before are less twitchy. Your shares in Tesco may not move very much.

I'm pretty glad I don't have much of anything, but I wish I had less!

 

[motorbiking]

Why is it bad advice.

Managed funds do not guarantee returns.
They do not outperform trackers
They have annual %ages and monthly fees, sometimes these are not fixed, which is on top of the gross returns quoted.
They sometimes have entry and exit fees.
You still pay the management fee, even if they go down in value.

Here is a random pick

Lloyds Bank - Internet Banking - Error

compared to a dumb FTSE 100 ISF ETF outperformed their cautious and balanced fund over the same 5 year period.
The above also pays dividends.
On a 50k investment over the same 5 year period, assuming you went for the balance fund.
Youd be out of pocket (roughly):
£1k on fees.
£4.5k on growth
£2.5k on Dividends

or 1/2 a decent used EV.

Rough numbers.

 

[Justin Passing]

You have not said where or why.

A managed portfolio of managed fund or yes a tracker is a better place for majority of people than dabbling in shares.




I notice you haven't called out Justin Passings terrible advice.

What advice? I haven't given out any terrible advice. Through your prejudice and ignorance, I'm quite sure you have misunderstood & misinterpreted, and are building the straw men you're so fond of. If you'd taken my terrible advice from a couple years ago you'd be a few hundred percent up by now.

As for the first bit
"
A managed portfolio of managed fund or yes a tracker is a better place for majority of people than dabbling in shares.
"
Only (probably) applies if you buy and walk away. In which case, you're off topic. Doing that would be utterly stupid, in my view.
Then it depends on what period you're interested in.
In iirc 2022 you'd had done badly in your index fund. If you smelt the coffee and gone overweight energy sector, you'd have done very well. No red braces required, the trend ran a long time.
I posted in the SM thread the chart for the FTSE over one year. It showed 2%.. If you'd paid a bit of attention you'd have come out around 10%.


This last few posts' to and fro started with I think MBK and JohnD & others quoting Tesla share price, which is pretty pointless if you want to talk about investing. Over the next 5 years it'll proably either collapse or beat the sm by 5x. Who knows?

 

[motorbiking]

What advice? I haven't given out any terrible advice. Through your prejudice and ignorance, I'm quite sure you have misunderstood & misinterpreted, and are building the straw men you're so fond of.

he's off checking the fees on his high street unit trust.

 

[Justin Passing]

Folk are forgetting These Managed Funds, usually are not designed to get as high a return as possible.
They work within a sector of some sort. Maybe small cap (size) US funds, or India, or Robotics stocks.
What they claim to do is keep up with the sector, or beat the sector's index. Theyt do stuff with options quite often, or a buried hidden carry trade, just to make sure they do that..

Then there ARE the "pension" style average of averages ones which are eg cautious, balanced, or adventurous.

Now, does this work:
<a href="https://novelinvestor.com/sector-performance/"><img src="https://149347908.v2.pressablecdn.c...5/04/novelinvestor-sector-returns-Q1-2025.png" alt="Novel Investor Sector Returns Quilt"/></a><small>Source: <a href="https://novelinvestor.com/">novelinvestor.com</a></small>

probably not, may be browser dependent, so click the first link in there.
The S&P 500 is the "best" US companies by some measures, so, quite good.
But you do get lousy results sometimes,as discussed above.
They are equities , = shares, which are volatile.

Look at 2022. Minus 18% in the S&P 500, great

Gotta go eat...

 

[Koolpc]

Who cares ?

If you got a pension you should care..

 

[motorbiking]

According to the schrodinger's cat theory you wont have lost anything providing you don't log on to check your account

 

[Justin Passing]

According to the schrodinger's cat theory you wont have lost anything providing you don't log on to check your account

There's certainly not much point looking now, assuming you aren't on the point of drawdown.
Mostly these things bounce back. Covid dip was pretty quick to recover.

 

[Notch7]

Managed funds do not guarantee returns.
They do not outperform trackers
They have annual %ages and monthly fees, sometimes these are not fixed, which is on top of the gross returns quoted.
They sometimes have entry and exit fees.
You still pay the management fee, even if they go down in value.

Here is a random pick

Lloyds Bank - Internet Banking - Error

compared to a dumb FTSE 100 ISF ETF outperformed their cautious and balanced fund over the same 5 year period.
The above also pays dividends.
On a 50k investment over the same 5 year period, assuming you went for the balance fund.
Youd be out of pocket (roughly):
£1k on fees.
£4.5k on growth
£2.5k on Dividends

or 1/2 a decent used EV.

Rough numbers.

You haven't looked at the wider picture.

Firstly I said managed fund / managed portfolios.

Secondly managed funds and trackers do different thing things. A tracker simply follows the market, it wont adjust for a shock like the orange nutter.

Thirdly a tracker is one investment type, people who have a decent amount to invest but little knowledge should be going to a financial advisor to set up a managed portfolio so they have a suitably diversified investment.

People on here like Justin Passing and gas112 that are encouraging people to put money on as a punt using the good old "if you put £10k on tesla you would've made an easy £2k" are setting up people to lose a ton of money.

 

[Mottie]

Mostly these things bounce back. Covid dip was pretty quick to recover.

My mate sold his MOT station and invested £1m, almost all of it, through Coutts bank just before covid hit. He got monthly updates. It had dropped to £860k at one point but it bounced back to +£60k by the end of the year.

 

[DP]

It would be interesting to see how many of the Trump administration are buying these stocks and shares at bargain prices as they plummet.
In a couple of weeks/months Trump will begin to reign back on the tariffs and pocket $$$$ when the markets recover.

ARS licker MTG will be in that boat

 

[motorbiking]

You haven't looked at the wider picture.

Firstly I said managed fund / managed portfolios.

Secondly managed funds and trackers do different thing things. A tracker simply follows the market, it wont adjust for a shock like the orange nutter.

Thirdly a tracker is one investment type, people who have a decent amount to invest but little knowledge should be going to a financial advisor to set up a managed portfolio so they have a suitably diversified investment.

People on here like Justin Passing and gas112 that are encouraging people to put money on as a punt using the good old "if you put £10k on tesla you would've made an easy £2k" are setting up people to lose a ton of money.

Unfortunately that is more stupid advice. You think a financial advisor, with practically zero qualifications or expertise in making money, is the right person to help you? Their goal is to earn commission.

What matters is the results not the methodology. If managed funds can't outperform a dumb tracker, what is the point of paying someone to manage it.

 

[Deleted member 317777]

We put 10k in a media bond, ie a bond to finance film and television productions, with those type of specific investments you can either go for just the interest payable which was 3.75% over 5 years or 1.1% and a share of any profits. we like a bit of a gamble and as seeing that we still received a fixed 1.1% over 5 years ( thats 1.65% per year if you were payed gross interest and had to deduct tax) on the original amount the only real risk was that the investment went bankrupt and couldn't pay. As a bond has income tax( basic rate 20%) and capital gains paid at source, any further gains are tax free if your total income for a year does not go above the 20% band . In the end we got back some 23K ( as we took profits below the chargeable event level of 5% of the bond and attended both the Maverick and Mission impossible premiers... which was probably worth more than the return in terms of life experiences.

Where can you do this please ?

Sounds like it’s worth a punt