WealthLog | Isa Journey

25 | Building a £100k Stocks & Shares ISA
Investing £17/day (£500/month) 📈
Sharing every win, loss & lesson
UK Investing 🇬🇧 | Not financial advice

[WealthLog | Isa Journey @UKWealthLog]

Started my Stocks & Shares ISA.
£12,000 → £12,752 in ~1 month.
+£752 (+10.7%)
Good start but this isn’t about one month.
It’s about what this becomes in 10–20 years.
Documenting everything from here.

[WealthLog | Isa Journey @UKWealthLog]

Crazy 🤯

[Kris Kay | 🎲 444 Capital @thekriskay]

if you have a $1 net worth,

you are closer to the 2nd richest person on earth, than he is to Elon.

read that again.

[WealthLog | Isa Journey @UKWealthLog]

It’s official, worlds first trillionaire 👏

[WealthLog | Isa Journey @UKWealthLog]

Now live

[WealthLog | Isa Journey @UKWealthLog]

@stevehill1mil 🚀

[Watcher.Guru @WatcherGuru]

JUST IN: Elon Musk rings Nasdaq opening bell.

[WealthLog | Isa Journey @UKWealthLog]

@BoringBiz_ 😂😂😂

[WealthLog | Isa Journey @UKWealthLog]

@BrianFeroldi If you had to choose between a fund charging 0.2% and one charging 1.2%, what extra value would justify paying 6x the fee? 🤔📈

[WealthLog | Isa Journey @UKWealthLog]

@TheDahliaKnox @HeroDividend 🤝

[WealthLog | Isa Journey @UKWealthLog]

@Russell_Researc @StockMarketNerd Thanks man, will take a look

[WealthLog | Isa Journey @UKWealthLog]

@WealthMechanic1 That’s exactly it. There’s no universal answer. My focus right now is maximising capital through my ISA while keeping the flexibility to buy when the right opportunity comes along.

[WealthLog | Isa Journey @UKWealthLog]

@ROADTOOWEALTH Same but yesterday ended green and woke up this morning £200 up. That’s the power of investing. How did yesterday treat you?

[WealthLog | Isa Journey @UKWealthLog]

7pm Portfolio Update 📈

💰 Portfolio Value: £14,275.54
📊 Net Deposits: £13,027
🚀 Total Gain: +£1,248.54

Last 24 hours:

✅ +£66.31
✅ +0.4%

Another day of letting my money work while I focus on earning more.

Building towards a £100k Stocks & Shares ISA one day at a time.

[WealthLog | Isa Journey @UKWealthLog]

We are in the green 🟢 can we maintain until close ?????

[WealthLog | Isa Journey @UKWealthLog]

@ROADTOOWEALTH 🤝

[WealthLog | Isa Journey @UKWealthLog]

700 verified followers. 🎉 Thank you to every single follower

[WealthLog | Isa Journey @UKWealthLog]

@theaveragegal__ Thank you

[WealthLog | Isa Journey @UKWealthLog]

@Crisb2708 Most retailers will either make or lose money based on their time horizon. A few weeks? Probably speculation. A few years? That’s a different discussion.

[WealthLog | Isa Journey @UKWealthLog]

My opinion on the SpaceX IPO:
The first few weeks will probably be driven more by hype than fundamentals.

You’ll likely see:
• Huge media coverage
• FOMO buying
• Wild price swings
• People calling it the next big thing

Longer term, the winners will be the investors who understand the business, not the ones chasing headlines.

That’s why I’m happy sticking to my plan and watching from the sidelines.

Interested to see how it plays out.

[WealthLog | Isa Journey @UKWealthLog]

@StockMarketNerd So in simple terms, the thesis is:

1. Above-average earnings growth
2. High confidence in that growth
3. Below-average valuation

If all three hold true, that’s where outsized returns come from?

[WealthLog | Isa Journey @UKWealthLog]

@C11AD Honestly, the 'chop' is exactly why I'm trying to tune out the daily price action. Whether it stays in the green or gets choppy until the SpaceX IPO, it doesn't change the long-term plan. I’m just focused on staying in the market

[WealthLog | Isa Journey @UKWealthLog]

We are in the green 🟢 can we maintain until close ?????

[WealthLog | Isa Journey @UKWealthLog]

@WealthInMotion_ Spot on. It’s so easy to fall into the trap of 'analysis paralysis' across the board. I’ve focused on getting my investing off the ground, but the gym is definitely my next goal. Just like with an ISA, the hardest part is usually just showing up and getting the first session done

[WealthLog | Isa Journey @UKWealthLog]

A mistake I see a lot of new investors make:

They spend months researching what to buy…

…and never actually start investing.

You don’t need the perfect portfolio.

You need to begin.

You can improve your strategy later.

You can’t get back the years you spent waiting.

[WealthLog | Isa Journey @UKWealthLog]

@pathtofreedom46 💯

[WealthLog | Isa Journey @UKWealthLog]

Morning

If you’re thinking about starting investing, here’s what I’ve learned after my first few weeks:

You don’t need to pick the next Tesla.
You don’t need to time the market.
You don’t need thousands to start.

You just need to begin.

My portfolio has been green, red, exciting and boring all within a few weeks.

The biggest lesson?

Consistency beats perfection.

Start small.
Stay invested.
Give compounding time to work.

Your future self will thank you.

[WealthLog | Isa Journey @UKWealthLog]

Unpopular opinion: Everyone needs a 'F*** You Fund.' 💰
And I’m not talking about being arrogant or trying to be flashy. I’m talking about freedom.

Whether it’s a toxic workplace that’s burning you out, a relationship that has run its course, or just a situation where you feel trapped- having a financial safety net is the only thing that gives you the power to say 'I’m done' and actually mean it.

Without it, you’re stuck choosing between your mental health and your bills. With it, you buy yourself the ultimate luxury: the ability to walk away on your own terms.

So, where should you put it?
Cash is King: For an exit fund, you want to avoid locking your money away in investments where you could lose value due to market volatility right when you need to leave.

Avoid 'Double Whammy' Risk: If you need to quit a job during a market downturn, you don't want to be forced to withdraw your money at a loss.

The Goal is Liquidity: Keep this cushion in a High-Yield Savings Account or a Cash ISA so it’s always accessible and protected from market swings.

I keep my wealth-building money in my Stocks and Shares ISA to grow over the long term, but I treat my 'F*** You Fund' as a separate, liquid shield.

It isn't about being rich. It’s about having the sovereignty to not settle for things that make you miserable. Don’t wait until you’re at a breaking point to realize you need an exit strategy. Start small, build that cushion, and reclaim your autonomy. 🧠💼 #FinancialFreedom #LifeAdvice #PersonalFinance"

[WealthLog | Isa Journey @UKWealthLog]

Seeing a lot of talk today about market 'dips' and 'cool-offs,' but my ISA had other plans this morning. Up over £200 in the last 24 hours 🤯

Can we sustain until my 7pm update?