Posts
22M - ETFs Vs Individual stocks in a Stocks ISA. Diversify or Concentrate?
I'm currently investing in a Trading 212 Stocks ISA and likely to be able to max out for the next 6 years (£16k/year in Stocks ISA and £4k/year in Lifetime ISA). My current portfolio is at £34k: 66.9% VUAG at £22.8k 30.3% VWRP at £10.3k 2.7% Nvidia at £944 (not …
Fire planning in the next few years
Thinking to FIRE in the next few years 45 years of age relatively healthy. Housing paid off, detached primary house and another detached house which I rent out both in Toronto total value about about 3 million for both. Resp funded at 100k for kids. May work part time 2 …
Trying to understand stock increases over time
Sorry if this is a really basic question. A friend was mentioning that he was going to put a small windfall into stocks since the stock market returns 11% over time. He can't afford to lose any money but with some of those 20+ percent drops in the last 20-25 …
Where do people invest liquid cash on top of current investments?
So I have been maxing out my ROTH IRA every year for the past two years. I have a simple IRA through my 9-5 and currently have most of my liquid savings in an Ally high yield savings account. I currently work two jobs and am very VERY fortunate to …
401k: Why does dividend/Capital Gains distributions lower the price/share of a 401k fund?
I know that when there is a dividend and capital gains distribution in a 401k fund, the event lowers the price/share of the fund itself.. My question is why? And please explain it to me like I’m reading an idiots guide to 401k’s… I’m not up to par on financial/economics …
Then & Now - Your “Money”
Waaaay back in the day there was no money. Basic physical needs were your only daily concern. Fast forward, now we’re here and money is how 99.8% (guessing) get our food. Do you currently put as much time and effort into “harvesting” money as you could imagine you might have …
What keeps you committed to your investment plan during your first real downturn? The final question for 2025.
When I first started investing, I knew theoretically that markets are volatile and that declines are part of the process. However, knowing something intellectually and experiencing it with real money are two very different things. During my first major downturn, I realized that emotions were far more important than I …
The Porcelain Bull Hypothesis (Part 3) : Hedging with Toiletpaper
Merry Christmas. Happy boxing day. Previously on Part 1 and 2 I showed how the bull market is supported by robust money market dry powder. However historically low savings rate and yield curve inversion snapback means cracks are starting to show. In part 3, I give the play to hedge …
The AI trade isn’t dying but the bottleneck may have quietly moved elsewhere
Over the last two years, AI has become *the* dominant investment narrative. Semiconductors, AI infrastructure, data centers the entire stack has attracted massive capital flows. Names like NVDA, TSM, and ASML turned into consensus longs, and for good reason: real revenue growth, real demand, real earnings power. But lately, I’ve …
Central Asia (80M+ population) as the next Frontier Market. Evaluating a structural reform thesis for FDI growth. Bullish or Bearish?
I work in fintech/banking in Central Asia and have been modeling a macro-structure for a unified economic zone (similar to the early EU or ASEAN) to solve the region's liquidity and logistic fragmentation. I want to stress-test this model from an **institutional investor's perspective**. If a jurisdiction adopted this framework, …