How do you invest?

My company has quite strict trading restrictions so I've just been buying index funds, but returns are not that amazing. I have some tech friends who easily make more from their portfolio than I make from my salary every year. But if I look at the big tech stocks now, I also fear buying them at the highest. Any advice from this forum? 

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UK based, so try balance between ISA, Pension and 'general' trading account. Different tax advantages / disadvantages to each. 

But broadly, just world index / cheap global market funds and then some select stocks / ETFs / specific funds where I have conviction in a particular sector. For example, long on financials / banks as expect rate environment to stay higher for longer (and this was a hold for a while, since like 2020, which has only finally maybe caught up to outperform market). 

Then hold enough for 6 months salary in cash / premium bonds and some other decent rate bank funds.  

 

ETFs are good for macro thesis's. Some firms will have coinvest. If you don't want to buy into the tech firms(I get it, I also think they're way overvalued) I would suggest foreign ETFs. I personally like China and Europe for the next couple years, so I'm putting money there. 

 

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