SmallMoneyLab

Testing investing strategies with small money
£6/day experiments
Building a long-term portfolio
UK investor 🇬🇧

[SmallMoneyLab @SmallMoneyLab]

The challenge starts tomorrow.

I’ll be investing daily to see how a single stock compares against a global ETF.

Can one company outperform the entire market?
How does concentration behave in more challenging market conditions?
Does diversification really smooth the ride?

That’s what I’m looking to find out.

Tomorrow the first orders go in.

[SmallMoneyLab @SmallMoneyLab]

That’s a great point — timing had a big impact on the outcome.

The challenge started with $MSFT in a downtrend, then geopolitical news drove broader market moves.

Once momentum shifted, $MSFT reacted much more aggressively on the upside.

Shows how much short-term results depend on when you start.

[SmallMoneyLab @SmallMoneyLab]

50 Day Investing Challenge — Final Thoughts

Same daily investment.
$MSFT vs $VWRL.

Final result: Microsoft wins.

For most of the challenge, diversification was ahead. The shift only came in the final stretch — a reminder of how quickly momentum can change.

Diversification offered stability.
Microsoft brought volatility — and ultimately outperformance.

Biggest takeaway: both approaches work, just in different ways.

Consistency mattered more than timing. Small daily investments built a meaningful position over time.

Now the real question:

Own the market, or try to beat it?

[SmallMoneyLab @SmallMoneyLab]

2.02 shares of $O added to the portfolio.

Goal: 100 shares by the end of the year.

Still 37 shares to go with 37 weeks left in 2026.

[SmallMoneyLab @SmallMoneyLab]

@Nat_liburd @IncomeShares Not a single green?!

[SmallMoneyLab @SmallMoneyLab]

0.52 shares of $O added to the portfolio.

Goal: 100 shares by the end of the year.

Still 39.02 shares to go with 37 weeks left in 2026.

[SmallMoneyLab @SmallMoneyLab]

Quick update on the $BTC vs $MSTR challenge:

Reminder — this experiment only ends when one of them hits a new ATH.

Honestly surprised to see $MSTR leading right now and sitting in the green.

Still a long way to go, but this is getting interesting fast. Curious to see how it plays out from here.

[SmallMoneyLab @SmallMoneyLab]

I’m starting a new experiment tomorrow!

I’m putting the same amount into MicroStrategy and Bitcoin in a one-time investment to see which one hits an all-time high first.

Who will take the crown: the corporate crypto king or Bitcoin itself?

Follow along as I track the journey!

#CryptoChallenge #Bitcoin #MicroStrategy #Investing

[SmallMoneyLab @SmallMoneyLab]

End of Day 49

£3 added to each pie today.

$MSFT
$VWRL

Total invested so far: £294.

Going into the final day, $MSFT remains in the lead after a late shift in momentum.

Interesting how the outcome changed so quickly after weeks of a different trend.

One day left to see how it finishes.

[SmallMoneyLab @SmallMoneyLab]

Day 49 of 50

£3 invested into each pie.

$MSFT
$VWRL

Total invested so far: £294.

Final day of the first phase tomorrow.

After trailing for most of the challenge, $MSFT has now taken the lead.

One day left to see how it closes.

1 day remaining.

[SmallMoneyLab @SmallMoneyLab]

End of Day 48

£3 added to each pie today.

$MSFT
$VWRL

Total invested so far: £288.

For the first time in this challenge, $MSFT has taken the lead.

A bit unexpected given how the past weeks have played out, but it shows how quickly things can shift — especially with a concentrated position.

Two different approaches, now much closer than before.

2 days remaining.

[SmallMoneyLab @SmallMoneyLab]

@DividendDrip 3.3% YTD.. not great but not terrible as well

[SmallMoneyLab @SmallMoneyLab]

@DividendDrip Well done!

[SmallMoneyLab @SmallMoneyLab]

@Nat_liburd In my view, you should never stop :)

[SmallMoneyLab @SmallMoneyLab]

Day 48 of 50

£3 invested into each pie.

$MSFT
$VWRL

Total invested so far: £288.

At this stage, the outcome is less about individual moves and more about how the journey unfolded.

One approach concentrated. One diversified. Same inputs, different paths.

Almost there.

2 days remaining.

[SmallMoneyLab @SmallMoneyLab]

Day 47 of 50

£3 invested into each pie.

$MSFT
$VWRL

Total invested so far: £282.

Despite a recent strong run from MSFT, the global fund is still leading overall — which really highlights the bigger picture versus single-stock momentum.

After recent sessions, it’s interesting to see how quickly momentum can shift, especially for a single stock.

3 days remaining.

[SmallMoneyLab @SmallMoneyLab]

Day 47 of 50

£3 invested into each pie.

$MSFT
$VWRL

Total invested so far: £282.

Final stretch now. After recent sessions, it’s interesting to see how quickly momentum can shift, especially for a single stock.

This is where the comparison becomes most visible.

3 days remaining.

[SmallMoneyLab @SmallMoneyLab]

@QC_Capitals Best: start buying $BTC.
Worst: chase altcoins.
Second best: invest in the stock market.

[SmallMoneyLab @SmallMoneyLab]

Microsoft is still a top-tier long-term hold.

Today’s update shows the bull case clearly: more AI innovation with new foundational models, stronger cloud growth, and a bigger commercial backlog.

This is compounding dominance. Wider moat ahead via Azure/Copilot revenue acceleration and unchallenged AI infra leadership in a $1T+ market.

$MSFT

[SmallMoneyLab @SmallMoneyLab]

End of Day 46

£3 added to each pie today.

$MSFT
$VWRL

Total invested so far: £276.

Despite expectations of a broader pullback, $MSFT is starting to recover. Interesting shift, especially this late in the challenge.

Curious to see how this plays out in the final days.

4 days remaining.

[SmallMoneyLab @SmallMoneyLab]

@Investingcom 13% on AI backlog hype. Oracle's quietly becoming a trillion-dollar contender.

[SmallMoneyLab @SmallMoneyLab]

@Cointelegraph $MSFT is one of today's winners. Great to see, and I'm looking for a sharp recovery.