Another one to maybe explore.
Double the performance of the S&P this year.
Yes, but a lot riskier.
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Speaking of risky most of my investment portfolio with Barclays is made up of Triple Leveraged QQQ. It works very well but is risky as hell 
Only 27% up in 12 months. My low risk T212 pie is up 37% in the same period. Probably explains why 2500 people are copying it 
Reminder: 37% growth in a year is not normal for a low risk portfolio and implies the risk is much higher than you’re claiming. Also past performance is no guarantee of future performance.
Monzo investments are mostly aimed at new investors and I think it’s important to be realistic about what they’re like to achieve, which is more like 8-10% a year long term average with some ups and downs along the way.
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Beta is around 0.7, so low risk relative to the market.
No guarantees as you say, but it has been tooting along around the 25% a year mark for a good while. The 37% is more than usual.
Indeed I agree, can be risky. Especially with geographical themed ETF’s, but also the uncertainty around China’s governance, geopolitical tensions with US etc
The ETF they (Monzo) have on blockchain creators lost 38% over a 43 day period. Which shows the volatility of Cryptocurrencies and that their option of investment etf’s can be very high risk also.
I’ve recently requested Gold and Silver ETF’s hopefully these will be considered as I think they have a lot more to add compared to the current offering.
Gold, yes usually, but it, silver, and platinum have been performing more like investments than stores of value for a year or two now. Gold is up over 50% in the last year and both silver and platinum more than 100%. As I say, this is not normal, though there are good reasons behind those rises.
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It is messing up my plan to use gold as a safety buffer on the T212 pie for sure and I’m having to explore alternatives so I’m ready when the time comes to move to something ‘safe’ that’s not gold.
Are you happy to share your pie? I’m running my own pie but always interested in learning!
I’d be curious about that Pie too, very good growth in one year.
My “all world” pie is around the 13% mark for the year, which is better than expected.
It’s Global ETF for Growth. Currently around 20th in the top ten pies.
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For one at the other end of the risk spectrum, Trio is around 10th in the new pies list, which surprises me no end.
I have loved Lloyds Stock this year. 78% up this year.
I’m expecting the banks in general to do pretty well in the coming year.
I agree yeah. Hopefully / maybe we will see some more banks join the stock market. Monzo, Starling etc.
My current bank holdings are:
Lloyds Banking Group
Natwest Group
Metro Bank
Santander Group
Interesting , thank you. Does Silver actually pay anything, or does it function like Gold?
Defence ETFs are certainly growth areas currently.
This feels higher risk but certainly has impressive gains. I’m not confident enough in my knowledge of ETFs and stocks and the different markets to setup something like that. I just have a global developed world fund, a EM fund and about 10% in global bonds.
Thank you for sharing
The metals don’t pay a dividend and aren’t intended as a long term investment. In normal times, I generally think of having around 10% in gold to provide stability but these aren’t normal times and the metals are presently acting more like investments than stores of value.
Those unusual circumstances probably go towards it feeling high risk, but it’s sitting at beta 0.7 and Sharpe of 2 i.e. it’s providing very good risk adjusted returns.
That said, I’m conscious that there’s 2500 people with north of £2 million invested in it between them. Very conscious at times. Someone just dropped £35k in it which tends me towards being very conscious of the sums involved.
To be fair, I’ve been at this in a serious way for getting on for thirty years. Give yourself a bit of time
I’ve only really got into investing for a few years now but have been reading lots and watching lots. It’s very interesting.
I do have a “play” fund on T212 but I also keeping separately a pie that I’m saving towards retirement, which is pretty simple.
I know the market isn’t normal and I feel there will be a correction in the near future