r/investingUK

Looking for some advice from you lot please.

Bought physical shares in both AMD and nvidia so heavily leveraged on just ai. Those were my only 2 holdings. Have done well and decided to eventually sell last night at 180k. My reasons were not because I don’t believe in them (I really do). But with war tensions uncertain and earnings coming up as we know AMD usually has a dip. I’m not strategically planning for a dip and to get back in but after 21 days of green candles (bar 1 on something like day 5) there has been no real consolidation. This month alone AMD has risen 70%.

This may keep running but it has got to a point where it was numbers on screen. Also the fact that these are my 2 holdings the swings were getting bigger/wider when it comes to percentage gains&losses per day.

So I’ve now decided to take a breather to at least evaluate what I have (if it does dip I will buy some buy in smaller chunks and look to average in).

So I guess what I’m asking is for any advice/experience please.

This is now sitting in my T212 account (and partners) so 180k combined which I intend to leave here. I have thought of investing into etf but would need to research this as I’ve primarily only invested in single stocks.

I can provide more info if needed.

Thanks :)

I’ve seen some discussion about potential changes to Cash ISA limits going forward, and it got me thinking about how people are approaching things this tax year. Are you leaning more towards Stocks & Shares now, or still maxing out cash for safety?

Hey everyone, I have a hypothetical question for anyone and everyone.

Let's say you're in you mid 30's with no assets or savings, making around 30k a year. Suddenly you have a good chunk of money, not "never work again" money but say £200,000.

What do you do with it?

Looking for advice on investing for children’s future. Daughter is 2 and we have been putting £150 a month so far into a child savings account which we planned to increase yearly when we are earning more and will do same for any future children.

I wanted to have control over the money so kids don’t get everything at 18 but didn’t take into account that child savings get taxed if the money has come from parents and if we increase contributions in the future it might geg to over the threshold.

Would be happy for our kids to get 50% of savings we’ve invested at 18 but would like to keep a decent amount back until older.

Is it advisable to set up a S&S ISA and contribute say £50 a month and then the other £100 a month in either child savings or a cash ISA or S&S ISA (or £50 in cas ISA / £50 S&S ISA)?

Grandparents would also like the contribute a regular monthly amount of around £50 - where would be best account for them to do so?

I nearly have 2 months saved in an emergency fund. I should have 3 months by the end of the year.

I also have FTSE all world stocks and shares isa. If I combine the 2 I actually already have 3 months but I am aiming for my ISA to be very long-term.

Given where I am, what would you do next?