Single parent seeking advice on diversification and retirement planning

I don't really buy the "hold onto 5% or 12.5%" argument which seems to be based on emotion rather than logic.

The fundamental question is if @SheilaMcSpud had €40K or €100K in cash right now to invest would shares in this particular company be the most appropriate option for that money?

I'd hazard a guess that the answer is quite likely to be "no" - even if her employment/remuneration were not already eggs in the same basket.
 
ClubMan said:
The fundamental question is if @SheilaMcSpud had €40K or €100K in cash right now to invest would shares in this particular company be the most appropriate option for that money?
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This is completely true.

But imagine you’d held Apple shares in 1995 and sold them all. You’d have missed out on a 17% compounded annual growth rate or something like a 700-fold return ever since.

You would probably be cursing yourself every single day.
 
My personal opinion is that the company can and will go further in the short to medium term, but who knows long-term. I might keep a small percentage just to see, but the vast majority will be liquidated. And to answer your question, I wouldn't take a chunk of cash and only invest it in this one stock Clubman, but I probably would include it as one of the top 10 stocks I'd invest in. But as I said earlier, I'm far from an expert in stocks.

A genuine thank you for all of this, it's really helping me to think through things.
 
ClubMan said:
There's an even more obvious way to do this...


This keeps coming up in different threads and it puzzles me why many people seem to think that buying a rental property (usually having done zero analysis of a "business plan" for how it's going to work) and thus concentrating a significant, if not majority, chunk of their net work in a single asset class/geographic region/risk profile is appropriate for their needs and preferable to alternative investment options. (At least you don't seem to have dismissed the latter as others tend to do because "I don't understand shares" etc.).
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And then to call it "passive income" seems strange. A share portfolio never phones at 2am about leaking pipes
 
Will the company shares not take a hit if they announce redundancies? However temporary.

If you at least go mortgage free, selling your shares in the company, if you were made redundant you could even take a break between jobs as you no longer have a big monthly expense.
 
In this industry it is usually the opposite with the share price generally going up when redundancies are announced. Investors like to see reduced costs and increased efficiencies apparently.

And yes, I really will be considering a longer break between jobs if I do get the chop.
 
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