What is going on today? - Megathread

Thanks Matty, we all have a goal and like salmon we’re all in the river( the market) the market has bull and bear runs the (current) but in the end as long as we have a steady pace with some good buys(pushing forward) and some push backs( No progress/pushed back) while making mistakes along the way(flow), it doesn’t matter as long as we get back to where we started to fertilise the egg(retirement or financial freedom) how we get their doesn’t matter all that matters is getting their and in the end each salmon will achieve this with different energy levels left(Cash profits) to see them to the end(Retirement) to start the cycle all over again hopfully creating strong offspring(Setting your kids up for life with a JISA).

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Thanks for the detailed post @Kiava, keep at it, you are doing great!

Anyway, been getting emails from my banks that interest rates on my savings accounts are dropping.

But the email I was eagerly waiting for has finally come, from my mortgage provider telling me my variable rate is dropping from next month :tada::sweat_smile: The amount saved will be put towards mortgage overpayment.

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Thanks man :+1:

That will be decent for you. Have you long to pay on your mortgage. At least my savings don’t change until the end of Oct so I have time to see what’s what. Is your mortgage change instant.

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I k ow the uk markets are closed today but I see my graphs moving still is this just the pound vs the dollar changing?

Mortgage interest change takes place in September.

If I don’t make overpayments, my mortgage won’t be paid off for another 19 years.

With overpayments, it should be paid off in about 12 years or sooner.

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Nice that takes it down a good chunk :slight_smile:

Good morning :sun_with_face: -

As usual we selected the best articles published in the past few days :point_down::

Portfolio Construction
:arrow_right: Downloadable PDF: Asset Allocation Guide To Build A Portfolio
:arrow_right: Life Stage Investing: Strategies for Different Stages
:arrow_right: Combining All Asset Classes: The Ultimate Market Portfolio
:arrow_right: The Stock Market Just Hit All-Time High: Is It A Good Time To Invest?
:arrow_right: US Bonds: Why investors buy even as debt swells

ETFs
:arrow_right: Our ETF Guide: The Definitive Guide To Equity Index Investing
:arrow_right: ETF Benchmarks: What Happens When a Fund Changes Its Index?
:arrow_right: Avantis: How It Wins As It’s Coming To Europe

Active Investing
:arrow_right: Commodities: The Role in Portfolio Allocation
:arrow_right: Case against dividends: dividend cuts have positive stock returns
:arrow_right: Factors: Do Alternative Risk Premia Diversify? New Evidence
:arrow_right: Small Caps: Investors should watch small caps when the Fed cuts rates

Wealth & Lifestyle
:arrow_right: Living Off Your Portfolio: Beyond the 4% Rule Interview Of A Great Blogger
:arrow_right: Early Retirement: The Psychological Challenges
:arrow_right: Financial Advice: What the Best Advisors Do
:arrow_right: Platform Review: Wise Pros & Cons

And Also
:arrow_right: Emigration: The Countries Losing the Most People
:arrow_right: EU: The $16 Trillion EU Economy in one picture
:arrow_right: Bloomberg Investgation: One Man Rules in Asia’s Golden Triangle
:arrow_right: Why Democracy Is Mathematically Impossible

Have a great Saturday!

Francesca from BoW Team :biking_man: :biking_woman:t3:

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I’ve just completed three years investing at Freetrade (ISA).

I tested the water at the end of August 2021 by transferring £10 into my FT account. It worked beautifully so I transferred a couple of hundred pounds into the FT account which was not earning much elsewhere and I bought my first stocks - ETFs, actually - VWRL, FTSE100, UKDiv, global bonds and the “Fallen Angels”, intending a cautious, passive strategy with income which would be reinvested at least for 5 years.

I felt comfortable fairly quickly so gradually gathered up small tranches of cash from various pensions (those lump sums) and continued investing in ETFs and bond ETFs. I added a small amount each month.

My aim was to double the size of the account by the end of 5 years. I assumed a very conservative 5% growth per annum (far better than the appalling performance said pensions had achieved, may I say!).

Then I wanted a little ‘fun’ - so I bought a few ‘blue chip’ shares with good divis and built that ‘satellite’ element of the portfolio up. The core is still in ETFs.

Recently, I’ve added Treasuries - they’re yielding c5% at the moment and on a weekly rotation it’s easy access saving at a good rate.

There have been some anxious months and very good ones. By the end of 2021, I’d received in dividends £56 - these provide the encouraging dopamine …

2022 - £385
2023 - £515
2024 - £404 to end July and should exceed £600 by y/e.

So, at the end of year 3, the portfolio has achieved what I set out to achieve by the end of year 5 and I am not at all displeased at this anniversary.

Onwards!

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Thanks for sharing your FT journey.

Great encouragement to everyone and a nice piece of positivity :smiling_face:

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The Freetrade logo on the forums has turned white and the favicon in the browser tab is now a black Freetrade logo.

WHAT IS GOING ON TODAY!!!

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Rebrand incoming?

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Forum logo = white = w is the 23rd letter of the alphabet and white has 5 letters. Add those together and you have 28.

The favicon is black. The hex colour code for black is 000000.

Put those together and you have 28,000,000. That’s the Freetrade share price at IPO. £28,000,000 per share.

Wake up sheeple. :cow:

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Bill Gates is vaccinating our brains through subliminal messages !

Congratulations on breaking the code @CashCow …i suggest you flee the pasture while you still can !!!

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The forum theme has gone … purple ?

Their copying your brand cow :slight_smile:

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Make Bloody Sense

I wonder if they doing the same to the App

It’s a rebrand so I would assume so based on the latest post.

Was thinking look about like Lightyear colour scheme

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He did he used cow pat enigma code methods to solve maxwells equations.

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