Where to start investing: DIY vs do it for you?

Picture of snowdrops for my post for International Women's Day on where to invest

#EmbraceEquity: start investing to grow your money

For someone who writes about money, the #EmbraceEquity’ theme of  International Women’s Day 2023 is an absolute gift.

Because equity doesn’t just mean treating people fairly, taking account of their different circumstances. 

In the personal finance world, it also means the value people own in companies. 

I’m always keen to encourage any woman with spare cash to embrace equity – by investing in the stock market. 

Women still get hit by the gender pay gap, which then causes a gender pension gap, because surprise surprise if you earn less you can’t save so much for retirement. Add in a chunk of no pay or low pay while caring for children or older relatives, and women end up even worse off.

So it’s particularly important for women to make the money they do have work harder, by embracing equity and investing. Fundamentally, over the long term, you’ve got a much better chance of earning higher returns by investing rather than just sticking your money in a savings account.

Preparing to invest

Perhaps you’re all set to #embraceequity, poised to take the plunge into investing but don’t quite know where to start.

You’ve prepared financially:

  • Cleared expensive debt
  • Started paying into a pension, especially if it’s pension at work where your employer will add contributions too
  • Set aside some emergency savings
  • Identified some spare money you can afford to set aside for a good five years or more

You’ve grasped the fundamentals about investing: 

  • Spreading your money across a mix of different investments is less risky than betting the farm on a single share
  • Unlike using a savings account, you have to pay to invest. The most common charges include fees for having an account, fees for any funds you hold in the account, and fees when buying shares or funds.
  • High charges will eat away at your returns. Even seemingly small differences of 1% or 0.5% a year will add up over time.
  • Investing inside a individual savings account (Isa) will protect your money from the taxman. You can stash away up to £20,000 each tax year in Isas, if you’re lucky enough to have that much spare cash.
  • You don’t have to be rich to invest. You can open an account with as little as £1 on some platforms, and others accept regular  investment starting from the £25, £50 or £100 a month mark.

But even with all the preparation, putting the theory into practice can seem hard. 

Personally, I anguished for years over the ‘right’ place to invest, and I don’t recommend that to anyone. There’s no such thing as the perfect investment. Better to get started investing smaller sums into something vaguely sensible, and then learn as you go along.

Where to invest

The big choice is whether you want to do it yourself or get someone to do it for you. 

Let me explain. 

One way to invest is to buy shares in individual companies, where you choose to buy stakes in the likes of Next, BP or Lloyds Bank in the UK, or say Apple. Microsoft or Tesla further afield.

Don’t fancy picking individual shares? You can invest in funds, where someone else does the choosing, and spreads investors’ money across a variety of different companies, countries and assets. A single global equity tracker fund can contain stakes in hundreds if not thousands of businesses, which is well and truly diversified. 

Don’t fancy picking your own funds? You can pay someone else to pick for you, for example by using an independent financial adviser, or a ‘robo adviser’ website.

Different platforms cater to different people, from providing more choice than you can shake a stick at to doing it all for you.

DIY options: investment platforms with loads of choice

If you fancy doing your own picking and choosing, obvious candidates include investment platform such as Hargreaves Lansdown, Interactive Investor, A.J. Bell, Fidelity Personal Investing and Charles Stanley. 

Trouble is, the enormous variety of choice can feel overwhelming. Shares, unit trusts, investment trusts, ETFs – there’s more choice than you can shake a stick at, with sustainable and ethical options too. As a short cut, these platforms often produce lists of funds recommended for beginner investors, as suggestions to get started.

In terms of costs, you’ll have to allow not just for the cost of your investments, but also for charges such as having an account with the platform and trading fees for any buying and selling. If you’re just started out, it’s probably cheapest to use a platform that charges account fees based on a percentage of the amount you have invested. However, once your balance grows, you may get a better deal from a platform that charges a flat fee each month. 

One alternative to the wide-ranging investment platforms is to open an account with Vanguard Investor. The platform charges are cheap at 0.15% a year, but you can only choose Vanguard funds rather than investments from anyone else.

Previous post: Investing for beginners: which Vanguard LifeStrategy fund is right for you?

DIY options: trading apps with less choice

There’s also the new breed of trading apps such as Trading 212, Freetrade and Invest Engine, that tempt investors with low minimum investments, free accounts and free trading.

However, they may offer a restricted choice of investments and encourage users to consider riskier options.

These trading apps may promote ‘free’ accounts and trading, but just be aware that you’re likely to pay a bit more when buying investments, and receive a bit less when selling them. (Jargon fan? The difference between the selling price and the buying price is known as the ‘spread’). 

Do It For You options: robo advisers

Don’t let the idea of choosing your own investments put you off! Or the cost of going to a financial adviser!

One easy option if you want to get started is to use a ‘digital wealth manager’ aka a ‘robo adviser’.

Previous post: What are robo advisers?

These websites typically ask you a few questions about your financial goals and attitudes to risk, then suggest a portfolio and manage it for you. It can be all done and dusted in a few minutes, including downloading an app and entering your bank details.

Options include Nutmeg, Moneybox, Wealthify, Plum and evestor. I’ve written here comparing the performance of my own stakes in Nutmeg and Wealthify to using Vanguard’s LifeStrategy funds, and have a five (!) year update due later in March.

Fees for robo advisers tend to be simpler and more transparent, often quoting a single percentage that combines the account, fund and transaction fees. You’re likely to pay less than using a financial adviser, but more than using an investment platform, for the convenience of a whizzy app and letting someone else manage your money. 

Where to find out more

If you’re keen to do more research, rather than just diving in, the Lang Cat has a great ISA guide that compares costs, including handy dandy heat maps depending on your balance. Monevator has also crunched the numbers to identify the cheapest investment platforms, it’s just less colourful.

Now – over to you. If you invest, which platform or app did you choose? If you don’t invest, what’s holding you back?

Do share in the comments, I’d love to hear.

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  29. 25th September 2023 / 1:02 am

    Most Reliable and Recommended Crypto Recovery Expert, Captain WebGenesis.

    I was 99% Certain that I had been duped by a Crypto Investment company appearing as a Bakkt-based FX broker. I had lost 6.9Btc as a result of the company’s website. As soon as possible, I had to hunt for help, and that’s how I came across Captain WebGenesis, a certified Bitcoin recovery professional with specific cyber skills to recover lost money from scammers. His assistance and responses are satisfactory and professional. Captain WebGenesis succeeded in recovering 85% of my lost funds. I sincerely appreciate Him for his assistance, To anyone that has happened to be a victim too, you can file an email complaint through; Add (captainwebgenesis@hackermail.com).

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  30. Richard Tate
    29th September 2023 / 5:23 pm

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  31. Winnie Pain
    29th September 2023 / 10:04 pm

    As Bitcoin becomes more popular, there is a growing number of businesses that accept Bitcoin payments. You can find a list of businesses that accept Bitcoin on the Bitcoin Wiki. If you are looking to spend your Bitcoin, you can also use a Bitcoin debit card. This will allow you to spend your Bitcoin at any merchant that accepts Visa or Mastercard. CyberPunk Programmers offers a wide range of bitcoin services such as recovering lost bitcoin regardless of how you lost it. I was swindled out of over $55,000 which I wrongly invested with a wrong broker. If not for CyberPunk’s assistance, I don’t know what could have been of me by now. I sincerely appreciate the team’s effort of helping me get back my bitcoin and for this, I am putting this review here for all to see and contact them for cryptocurrency-related issues.

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  32. Jacob Jones
    6th October 2023 / 8:38 pm

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  33. Liam Bucharo
    9th October 2023 / 4:24 pm

    I’d like to bring to the attention of this platform (Pocket Option) the recent act of account blocking that’s been carried out by the outfit pocket option. They blocked my account for some weird reasons without proof. I made a trade, staking $100,000 and made a profit of $72,000, that’s a total of $172,000. On trying to withdraw my funds my account was blocked immediately claiming that I violated their policy!! I was stunned. I sent mails, but all efforts failed. A few days later, I recovered my money with the help of a triangulation expert. OptivCuperation Tech is the best tech expert you need to help you recover your scammed or lost funds. They are best in dealing with online scam and assisting victims in receiving reimbursement, tracking down digital fingerprints, cyber analysis and thorough investigation. They can be reached via email at: optivcuperation@gmail.com
    Looking for hackers to help out with other activities such as blank ATMs with loaded funds. They are the best for it. Quickly contact now: optivcuperation@gmail.com

  34. Cindy Scott
    20th October 2023 / 1:10 am

    Hello everyone here, please permit me to use this opportunity to appreciate the team of hackers at Refund Policy after they helped me recover exactly $ 72 k I lost to a f@ke investment platform. I got really depressed until I had this discussion with my attorney who then introduced me to a hacker he had known since his college days; at first I was reluctant to contact them as I thought it was impossible to recover btc, but I am so glad that I did because it didn’t take them more than 15-18 hours before they were able to fully recover the btc I got swindled of. Do not hesitate to contact Refund Policy if you have been a victim or if you want to investigate a cheating partner. Their e – mail is refundpolicy82 @ gmail dot com and their WhatsApp number is + 1. 213. 838. 0733.

  35. Elena Watson
    20th October 2023 / 12:32 pm

    I was devastated when I lost my entire savings investing in cryptocurrency. I was contacted online by a lady posing as an account manager of a bank, who told me I could double my savings through cryptocurrency investment. I had no idea it was a scam and I would lose everything. It went on for weeks before I realized I’d been duped. I was devastated and broke when I came across an article on my local bulletin about Alister Recovery. I contacted them via ALISTERRECOVERY___aT__GMAIl comand provided all of the information regarding my case, and I was amazed at how quickly they recovered my cryptocurrency funds and were able to trace them back to me.

  36. 23rd October 2023 / 7:23 am

    SILVERTHEC: NO 1 CRYPTO RECOVERY AGENCY.

    I can’t express enough gratitude to SILVERTHEC recovery for their exceptional service. Their expertise not only recovered my lost funds but also salvaged me from a financial crisis that nearly cost me everything. Their professionalism and dedication surpassed my expectations, and I now have a renewed sense of security. Thank you, SILVERTHEC, for turning a dire situation into a success story. I wholeheartedly recommend their services to anyone facing financial setbacks.
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    EMAIL:  silverthec @ proton .me
    TELEGRAM : @Silverthecrecovery
    WHATSAPP : +1 (804) 682 9309
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  37. Jacob Jones
    23rd October 2023 / 9:17 pm

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  38. 24th October 2023 / 6:08 am

    Cryptocurrency Tracing and Recovery Services

    When it comes to recovering lost cryptocurrency, WIZARD LARRY RECOVERY is the greatest. They have the most skilled bitcoin recovery specialists to handle your request and address any issues you may be having with bitcoin recovery. In order to provide their clients the most value for their hard-earned money, they create custom asset recovery plans that fit their budgets and take into consideration each unique facet of their cases. Professional licensed blockchain developers with extensive knowledge of the cryptocurrency field and the ability to provide further crypto recovery services make up their team of cryptocurrency recovery professionals.

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  39. Anita Edin
    27th October 2023 / 10:45 am

    Hello everyone, I’m Anita Edin from Toronto, Canada. I was involved in a cryptocurrency investment platform and I invested a huge amount of my money into this platform with hopes of a successful return, unknowingly to me that this platform has been defrauding the victims of their investments. It was devastating for me when I found out about their dubious ways. While scrolling through the internet, I saw many reviews about Spyweb Cyber security network and how successful they have been in recovering cryptocurrency from fake investment accounts, I was very skeptical about it at first but after my whole research about Spyweb Cyber security network, I found their service to be reliable and trustworthy. I contacted them and provided all the information about the whole cryptocurrency transactions, and in less than 72 hours, Spyweb cyber security network was able to recover my cryptocurrency. I’m thankful for their assistance and wonderful service.
    Details of their contact information are below if you need their services 
    Email – ( Spyweb@ cyberdude .com )
    Whats;App –   +1323) 904‑8824

  40. 29th October 2023 / 12:34 am

    Century Hackers Crypto Recovery Service are group of professional hacker’s with all kind of ethical hacking skill’s, Century Hackers has gone wide and broad, they are all over the web at a search of Century Hackers Crypto Recovery on your browser, you will find information on how to reach and hire their Crypto Recovery service or other related hacking issues. It was an incredibly experience with Century Hackers after being through thorns and shackle on an exchange platform were i was scammed $876,797.00, my funds got recovered back after 1 year, Century Hackers made it possible. I tried other hacker but the more i hire them the more they keep scamming me until i was direct on how to make use of search words to connect directly to Century Hackers who are ranked as the best hacker on web. Contact then via (century@cyberservices.com ) website: https://centurycyberhacker.pro/ or Telegram : @Marvels109 they help me recover all my stolen funds back am so grateful

  41. 29th October 2023 / 12:34 am

    Century Hackers Crypto Recovery Service are group of professional hacker’s with all kind of ethical hacking skill’s, Century Hackers has gone wide and broad, they are all over the web at a search of Century Hackers Crypto Recovery on your browser, you will find information on how to reach and hire their Crypto Recovery service or other related hacking issues. It was an incredibly experience with Century Hackers after being through thorns and shackle on an exchange platform were i was scammed $876,797.00, my funds got recovered back after 1 year, Century Hackers made it possible. I tried other hacker but the more i hire them the more they keep scamming me until i was direct on how to make use of search words to connect directly to Century Hackers who are ranked as the best hacker on web. Contact then via (century@cyberservices.com ) website: https://centurycyberhacker.pro/ or Telegram : @Marvels109 they help me recover all my stolen funds back am so grateful

  42. 29th October 2023 / 12:34 am

    Century Hackers Crypto Recovery Service are group of professional hacker’s with all kind of ethical hacking skill’s, Century Hackers has gone wide and broad, they are all over the web at a search of Century Hackers Crypto Recovery on your browser, you will find information on how to reach and hire their Crypto Recovery service or other related hacking issues. It was an incredibly experience with Century Hackers after being through thorns and shackle on an exchange platform were i was scammed $876,797.00, my funds got recovered back after 1 year, Century Hackers made it possible. I tried other hacker but the more i hire them the more they keep scamming me until i was direct on how to make use of search words to connect directly to Century Hackers who are ranked as the best hacker on web. Contact then via (century@cyberservices.com ) website: https://centurycyberhacker.pro/ or Telegram : @Marvels109 they help me recover all my stolen funds back am so grateful

  43. Cindy Scott
    29th October 2023 / 1:58 am

    I could not forgive myself after falling victim to a fake cryptocurrency investment scheme I saw on Facebook, I thought it was a good means for me to make profits as I was getting close to retirement and I also saw reviews under the post that made me believe in the fake investment company called Bitblender. I became depressed and suicidal after losing almost $ 291 k worth of bitcoin to this fake company, until I summoned courage to discuss it with my younger sister who then introduced me to this hacker that she went to the same college with, that the hacker could help me recover the bitcoin, at first I was very reluctant as I thought it was absolutely impossible for the funds to be recovered, I then decided to give it a trial and it was like magic how the hacker named Refund Policy was able to help me recover my funds in less than 24hrs. I will forever be grateful to Refund Policy and I am going to drop their contact details here in case anyone has also been a victim of these scams. Their e mail address is refundpolicy82 @ g mail. Com and their WhatsApp number is + 1. 915. 612. 6883. They can also help you investigate a cheating partner. Do not hesitate to get in touch with them.

  44. Antonio Wenner
    29th October 2023 / 4:59 pm

    BITCOIN RECOVERY ASSISTANCE
    I?m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, ETHICSREFINANCE SERVICE, who helped me recover my money from these fake investors. It took ETHICSREFINANCE 48 hours to recover my money and I was able to track down these people. I?m truly grateful for their service and I highly recommend them to anyone with the same problem.

    Email Address: ethicsrefinance@gmail.com
    Website: www. ethicsrefinance .com
    WHATSAPP :+1 (719) 642-8467

  45. Fabio White
    30th October 2023 / 1:38 pm

    I don’t even know where to begin lol I recently lost my bitcoins out of nowhere and was perplexed and frustrated as to how it all vanished so quickly. I initially thought it was an error, but it turned out to be stolen. I was in a panic when a friend mentioned that he knows a legitimate hacker who can help me. I was skeptical and waited a while before contacting Hacker Sprints. He tracked it down and returned it to me in a week, as if I hadn’t already spent a month trying to solve the problem. He’s great, and if you contact him for this or any other related services (AlisterRecovery@gmail com), you’ll be grateful.

  46. Xe Des
    31st October 2023 / 12:00 am

    Have you fallen victim to fake crypto exchanges? you need to build a strong case by gathering all the evidence you can find, from transaction records, to emails, to screenshots and any communication with the scammers. I amassed a well-documented trail of deceit. The more solid evidence I had, the better chance I had at recovering my lost funds. With all my ducks in a row, I reached out to GearHead Engineers through their mail gearhead at engineers dot com and initiated the recovery process. Their team of experts understood the intricacies of financial fraud and knew how to navigate the complexities of the legal system. It was a weight off my shoulders to have professionals in my corner, fighting for my cause. Thanks to the expertise and dedication of GearHead Engineers, I was able to recoup the $50,000 I had lost to the fake platform. It was a victory against those who prey on innocent investors and a reminder to always remain vigilant in the ever-evolving world of scams.

  47. 1st November 2023 / 9:33 pm

    I’m a victim of legacyfxglobalmarkets scam which all started with just a deposit of £400. The next deposit I was forced to pay quickly turned to £1,500 and every time I tried to cash out they asked for more to cover for taxes and other complicated government fees. My profits had accumulated to £117,000 as it would show on my mobile application but I could not access it. By the time I came to my senses that the company is illegitimate, l had already lost a total of £50,000. I researched about the company to confirm my fears and I came across a page where other people who had lost money to them shared their stories. Among the comments was from an elderly guy who shared how he got his profits back through the help of Adrian Lamo Wizard hacker. I decided to try my luck and presented my case to him, which they were already familiar with and so I got back everything within 24 hours. I’m writing to confirm that Adrian Lamo Wizard hacker is absolutely functional. If by any means you’re also a victim of online scam kindly send a message accross to them Email: adrianlamowizard22@gmail.com or WhatsApp: +31647921391 order WhatsApp +31647118971 & Telegram: +31647921391 And chat with them DIRECTLY..

  48. 1st November 2023 / 9:34 pm

    I’m truly grateful to Adrian Lamo Wizard hacker for helping me recover my cryptocurrency funds from my locked account. It’s truly amazing how quickly I was able to get back my funds once I contacted Adrian Lamo Wizard hacker support team. I had lost all my retirement savings to a cryptocurrency investment scam, hoping I will get double what I invested into it. I was contacted to pay more and more money which was absurd considering that I’d put $309,000 into this platform, luckily for me, I found out this was a scam and contacted the authorities. Although the authorities were not able to recover my funds, I was referred to Adrian Lamo Wizard hacker by my old friend who has benefited from their services in the past. I’m just really happy Adrian Lamo Wizard hacker was able to recover my funds. Their service is top-notch. Adrian Lamo Wizard hacker SUPPORT TEAM CAN BE CONTACTED VIA E-MAIL: adrianlamowizard22@gmail.com or WhatsApp: +31647921391 order WhatsApp +31647118971 & Telegram: +31647921391

  49. Cliford Andrew
    1st November 2023 / 10:22 pm

    One of the key factors that contributed to the successful recovery of my BTC was the swift action and response from Century Hackers Recovery Team . As soon as I contacted them with my issue, they were quick to jump into action and start the recovery process. Time is of the essence when it comes to recovering lost cryptocurrencies, and their promptness ensured that I had the best chance of retrieving my funds. Another crucial factor that played a significant role in the successful recovery was Century Hackers Recovery expertise in blockchain technology. Understanding the intricacies of the blockchain and how transactions work is essential in effectively tracing lost or stolen funds. Their knowledge and experience in this field helped navigate the complexities of my situation and maximize the chances of a positive outcome. Get in touch with via email (century@cyberservices.com ) you can also chat them up via Telegram @Marvels109 or website: https://centurycyberhacker.pro/

  50. clara james
    2nd November 2023 / 10:29 pm

    HOW I RECOVER MY LOST CRYPTO’S FROM FAKE BROKER ONLINE 2023

    I was scammed over ( $345,000 ) by someone I met online on a fake investment project. I started searching for help legally to recover my money and I came across a lot of Testimonies about ETHICREFINANCE Recovery Expects. I contacted them providing the necessary information’s and it took the experts about 27hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this help as many out there who are victims and have lost to these fake online investment scammers. I strongly recommend their professional services for assistance with swift and efficient recovery. They can reached through the link below.
    Email Address: ethicsrefinance@gmail.com
    WHATSAPP :+1 (719) 642-8467

  51. Harry Garnet
    3rd November 2023 / 12:13 pm

    I’m very happy to recommend the services of Spyweb Cyber Security Services for helping me recover the cryptocurrency funds that were locked in my investment account. I had invested the amount of $230,000 into a trading account and I was denied the chance to withdraw my funds when my account was locked. They kept requesting more fees until I realized this is a scam. I was introduced to Spyweb Cyber Security by my colleague at work who told me of their experience and professional services in helping cryptocurrency scam victims recover their stolen crypto funds. I’m truly grateful for their help and I highly recommend Spyweb Cyber Security Services to everyone out there who needs to recover their cryptocurrency funds.

    Spyweb Cyber Contact Information:

    E-mail: Spyweb@cyberdude . com

    Whats App: +1 (323) 904 ‑ 8824

  52. 3rd November 2023 / 4:57 pm

    First of all, I want to say thank you guys for making me work with you in a trustworthy and friendly environment. I was very lost and didn’t know what to do after losing 19.8 BTC to 88Trading LLC, a fraudulent crypto and binary comp. I was in total despair and needed some closure. I was warned before embarking on this investment but I was blinded because of all I had been told by this fake trader. I have fallen several times to their tricks, they say, final payment, but after paying, another error pops out. I got suicidal as I had lost my family and all my money so what was I living for? I was referred to a verified and reliable crypto recovery wizard. Our first conversation didn’t go well because I had lost all trust in anything internet-related. I needed to get back my life and giving this group of total strangers was the only option I had. I pleaded a deal with them, and we agreed on it. Truthfully, I am not a prayerful person but during the hours Cyber Genie Hack Pro was recovering my stolen cryptos, I prayed every minute simultaneously. It was great knowing that there are still a few good strangers on the internet who uphold their promises. Thank you Cyber Genie and Team. Have you Lost, been scammed, forgotten, or mistakenly misplaced the 12 key phrases to access your wallet, CYBER GENIE HACK PRO is your go-to deal.
     Web: www(.)cybergeniehackpro(.)xyz
     Email:  [CYBERGENIE @ CYBERSERVICES . COM]

  53. Ashely Paker
    6th November 2023 / 6:41 pm

    RECOVER LOST FUNDS/BITCOIN OR CRYPTO WALLET

    Many decisions made by top notch investors made many of them fall into the wrong hands, I was once a victim too After being persuaded to invest $197,600 in a bogus Investment platform. I was however in disbelief after finding out this was all scam.I almost lost hope since all this funds was my last savings, but with the recommendations and referral gotten from friends, I was able to retrieve back my funds in a span of 42 hrs.Thanks to the expertises Lost Recovery Masters. Learn more on their Website (https://lostrecoverymasters.com/ ).contact them on Email (Support@lostrecoverymasters.com) or
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  54. Denisa Dankova
    7th November 2023 / 6:21 am

    To my delight, ALLEGIANT PRO HACKER has assisted me in getting my $120,000 worth of Bitcoin back, which you sent to the incorrect wallet by error. It’s a big sum of money, so you must be really relieved to have it returned. An organization called ALLEGIANT PRO HACKER focuses on recovering cryptocurrency. Your crypto assets, whether lost or stolen, can be retrieved with their team of skilled experts. Within the bitcoin community, they are well-liked and many people have had nothing but pleasant experiences dealing with them. It’s crucial to remember that there are con artists out there posing as providers of Bitcoin recovery services. It’s crucial to conduct due diligence and confirm the company’s reputation and track record before selecting a partner. ALLEGIANT PRO HACKER has the best. You can contact them on Telegram: +15625539611
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  55. Bull John
    7th November 2023 / 1:59 pm

    I’m here to tell my testimony about how. Geo Coordinates Hacker enabled me to recover my stolen BTC

    I would love to extend my gratitude and utmost appreciation to Geo Coordinates Hacker security company. When it comes to recovering scammed bitcoin, Geo Coordinates Hacker security company, continues to be your best option. I lost £178,000 from my trading and investment plan to a cryptocurrency trade and investment program I found on Instagram. I initially invested £79,000. As I started to see gains accruing, I continued to invest more money and eventually fell victim to fraud. After attempting to make my withdrawals, which were unsuccessful, and consulting the plan they stated was due to Brexit, I started to have my doubts., I submitted the reports to my bank and Instagram without any assistance .Fortunately, I came across a cryptocurrency site where I watched a widow lady describe how she used Geo Coordinates Hacker security company to reclaim her husband’s retirement funds from an internet con. I emailed ( geocoordinateshacker@proton.me. ) and explained my situation; the Expert then got to work. A special thank you to Coordinates Hacker security company for his extraordinary efforts in helping me get my lost money back.

  56. Claire
    8th November 2023 / 7:48 am

    BITCOIN RECOVERY ASSISTANCE I?m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, ALISTER RECOVERY these fake investors. It took ALISTER RECOVERY 48 hours to recover my money and I was able to track down these people. I?m truly grateful for their service and I highly recommend them to anyone with the same problem. Email Address: alisterrecovery @ gmail.com

  57. Recovery Intel
    8th November 2023 / 8:03 pm

    ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.

    ASOREHACKCORP is a financial regulator, private investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score.
    All software tools needed to execute RECOVERIES from start to finish are available in stock.
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    Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.

    Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.
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    Stay Safe out there !

  58. Olivia Turner
    9th November 2023 / 11:20 am

    So in my prime age, I have never been told that fraud happens in all aspects even in those that you least expect or on those areas that you thought were the safest. I thought storing some of my wealth in BITCOIN was safest since I get to keep the wallet safely with the known keys and seed. At least this way, my wealth grows in value as well. So apparently it took a single malware and around $980,000 from my wallet was gone. This was to my utter surprise and shock! When I got to reach out to EXNER PRO HACKER, I had given up on everything including life itself. If not for this guy’s reassuarance and expertise to get back all of my wealth back, my mind had taken me to a really dark place. You can imagine Mr EXNER PRO HACKER did all these in close to two days. I don’t wish such fraud experience to anybody at all. If by chance you have fallen victim, take heart and seek help. I’ll leave his email downbelow just incase you too need his help: Exnerprohacker@protonmail.com. Thank you so much for your help.

  59. Emily Townsend
    10th November 2023 / 2:54 am

    For the successful recovery of my $1,000,000+ worth Bitcoin, I cannot get the name of Optiv Cuperation Recovery off my mouth. Thank you so much. This gives me the morale to continue working knowing that modern problems have found modern solutions. I want to share this hacker’s good work with everyone as most people requested me to do. optivcuperation@gmail.com is the email I contacted them with. Seek their help now.

  60. 10th November 2023 / 12:24 pm

    HACKER FOR HIRE

    Wizardlarry(@)mail(.)com is something I heartily suggest. I was told to use Wizard Larry Hacker to retrieve my lost Bitcoin and wallet login credentials, but I didn’t think much of it at first because I had been deceived by a number of scammers in the past. However, after reading some well-known testimonies from some of my mentors in the cryptocurrency space, I decided to follow through. In this instance, I am appreciative of myself for following my instincts because Wizard Larry Hacker succeeded where no other hacker could. You can rely on Wizard Larry the hacker to get your money back from fraudulent investments or lost cryptocurrency Investment

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  61. Funds recovery
    10th November 2023 / 4:02 pm

    SCAMS CAN COME IN MANY FORMS, BUT ALL ARE DESIGNED TO GET A HOLD OF YOUR MONEY.

    If you have been affected by a fraud case in any way(be it BINARY OPTION SCAM, Love scam, Fx scam, crypto investment scams and loan scams etc), you could be confused and overwhelmed by the different financial institutions that handle similar situations. Often the recovery process and legal fights to get the money back become a hassle that is difficult to personally manage. You will be lucky if you can find someone who is experienced in dealing with the fraudulent crimes that have been made. It would be a better choice to utilize the services of a reputable firm like us that specializes in fund recovery.

    Thus, your chances of getting your stolen funds back all depends on the choice of firm you choose to work with.
    a lot of losers here with personal emails (with numerics, which shows they’re impersonating or fake) as you can see on here already, most are claiming to have recovered or to be a recovery firm selling lies(so be careful and choose wisely).

    WHAT IS THE MOST COMMON COMPLAIN WE GET FROM VICTIMS:
    At first, the individual experiences small profits, and they might even be able to collect them. This is all for the purpose of reinforcing the insidious illusion that the forex scam is actually working. The victim believes the broker generates wealth, and so they are encouraged to invest larger and larger amounts. However, the moment the person tries to withdraw their money, they realize they can’t. They are met with withdrawal fees and transaction costs, but ultimately they realize their money is gone.

    WARNING ⚠️ :
    FIVE MOST DISPUTED WEBSITES YOU SHOULD ABSTAIN FROM,

    1: ROYALCFD.COM
    2: SGTMARKET.COM
    3: SHTERNGROUP.COM
    4: STARFISHFX.COM
    5: TRADECAPITAL.COM

    THESE FX WEBSITES ABOVE AREN’T CERTIFIED IN ANY WAY, AND HAVE NO VALID EXCHANGE LICENSE!!

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  62. Marilyn Russell
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  63. Kayla Gerald
    11th November 2023 / 10:17 am

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  64. Kayla Gerald
    11th November 2023 / 10:19 am

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  65. 11th November 2023 / 1:41 pm

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  66. raymond
    11th November 2023 / 8:23 pm

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  67. frank
    12th November 2023 / 1:32 pm

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  68. 12th November 2023 / 6:37 pm

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  69. 13th November 2023 / 2:38 am

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  70. Alvir Hernandes
    14th November 2023 / 12:56 am

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  71. Joe Maccarinelli
    17th November 2023 / 7:06 pm

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  72. Glenn Clinton
    19th November 2023 / 2:35 pm

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  73. Daniel Maxwell
    20th November 2023 / 1:11 am

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  74. ELIZABETH DAVIDSON
    21st November 2023 / 11:23 am

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  75. clara james
    21st November 2023 / 6:51 pm

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  76. James Savannah
    23rd November 2023 / 7:18 pm

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  77. Amy Ellis
    24th November 2023 / 4:19 pm

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  79. Heather Slater
    27th November 2023 / 8:04 am

    generally speaking it was amazing experience and an eye opening one in which I got to retrieve back my money that had been trapped in an online investment platform that lured me into investing with their fake company , before I got to realize their game plan It was already too late for me after I’ve paid ridiculously huge amounts of withdrawal fees involved in the T&C which no one told me about from the beginning, the damage has been done and I was already in too deep to just walk away so it got to the point that everything became too much for me to handle therefore I decided to look elsewhere for help seeing that these people were not ready to release my money and the authorities seemed to offer little or no atom of support, I used the little money left with me to hire J E T H A C K S R E C O V E R Y C E N T R E to trace my transactions with the company and catch the culprits behind this and guess what ? this is the best decision i ever made trust me! .. within a few days after I reached out to this team, they got recover back my complete amount of money from their wallet address and shut down their website as well in order to avoid more people falling victim to their scam operations… my believe is that together we can curtail the amount of damages that could be done to others just like me starting with recouping your lost assets so anyone reading this and is in a similar situation can as well contact the team for help on Email : J e t h a c k s 7 @ g m a i l . com or on their official Telegram username @ J e t h a c k s s Afterwards you can come back to share your testimony and refer the team to others so together we can save as many as we can.

  80. Michelle Brice
    28th November 2023 / 12:17 am

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  81. Frank Moore
    29th November 2023 / 12:15 am

    SPEAK WITH A LICENSED CRYPTO RETRIEVAL HACKER – CONGLOMERATE
    I want to start by expressing my gratitude to CONGLOMERATE for all of their efforts in helping me recover my lost Bitcoin, which was worth over $56,932. I had invested in an online business with the intention of making a 25% weekly profit, but it turned out to be a scam. I thought that was the end of it, but after reading a review about CONGLOMERATE, I realized that they had really helped people regain their lost access to their funds and investment income. Get in touch with them today for the best recovery service.
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  82. Recovery Intel
    29th November 2023 / 10:32 am

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  83. Frank Moore
    30th November 2023 / 1:28 am

    SPEAK WITH A LICENSED CRYPTO RETRIEVAL HACKER – CONGLOMERATE
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  84. Manuel Franco
    1st December 2023 / 6:51 am

    I just want to say Thank You to everyone who supported me through the years. My name is Manuel Franco, New Berlin, Wisconsin. My story of how I won the Powerball lottery of $768.4M is a bit of a tale. I have been playing Powerball tickets for 6 years now since I turned 18. I bought my first ticket on my 18 birthday. I was feeling very lucky that day because I had contacted Dr. Odunga Michael to help me with the winning Powerball numbers. I really had that great great feeling that I looked at the camera wanting to wink at it. I only did a tiny part of it and trusted him. He gave me the numbers after I played a couple other tickets along with it for $10. I checked my ticket after the winnings came online and saw the numbers were correct including the Power play. I screamed for about 10 minutes because it felt like a dream. I had won $768.4M. You can check my winning testimony with the lottery officials just with my name search. Thank you Dr Odunga. Well, his email is odungaspelltemple@gmail.com and you can also call or Whats-app him at +2348167159012 so you guys can contact him

  85. Oliver Paspalis
    1st December 2023 / 9:33 am

    These fraudulent companies are constantly ripping off hard earned money from crypto enthusiasts and keep getting away with the act, they claim to double your profits after weeks or months of investing with them and I say this here from my experience because I was also a victim until I got to recoup back my investments with the services of J e t h a c k s R e c o v e r y
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  86. Coffee Rollins
    2nd December 2023 / 1:27 am

    God is indeed a wonderful God, after I thought all hope was lost, God sent a helper to help me recover my lost USDT, and to my greatest surprise there was no upfront payment, God worked in a miraculous way, thank you so much ALLEGIANT PRO HACKER for helping me recover my USDT, I will never stop testifying of your goodness because you restore peace to my family, I will recommend anyone having a similar issue to contact ALLEGIANT PRO HACKER now and get back your lost CRYPTOCURRENCY.
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  87. Emily Faye
    2nd December 2023 / 1:54 am

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  88. Leonard
    2nd December 2023 / 8:15 pm

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  89. Rick Jehan
    4th December 2023 / 6:25 pm

    The crypto market has become increasingly volatile and these crypto investment companies have taken advantage of people who intend to make huge profits from their crypto investments. I was one of the victims of a crypto investment scam, and I lost a total of $480,000 to these fake crypto scams. I was left behind and couldn’t access my crypto wallet and investment accounts, fortunately for me I was able to get a hold of SPYWEB CYBER SECURITY NETWORK, the most prominent and trusted crypto recovery company, who was able to help me with the recovery of my crypto. SPYWEB CYBER was able to help me recover $476,000 of my crypto funds and I’m excited and grateful for the services of SPYWEB CYBER SECURITY SERVICE. Thank you SPYWEB CYBER and I’m recommending their services to the crypto community and anyone who intends to recover their crypto assets.

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  90. Henry Faubert
    8th December 2023 / 2:32 pm

    RECOVER YOUR LOST/STOLEN DIGITAL ASSETS
    I was unfortunately deceived by a crypto mining scam that nearly caused me financial ruin. Thankfully, I discovered the services of K N I G H T H O O D B O T RECOVERY CORP before the situation worsened. The scammers operated a group where they provided updates on trading and trading signals. However, to gain access to this premium group, one had to subscribe with a payment of “1000 Euros.” Inside the group, the admin would post information about tokens that would soon be listed on Binance exchange and other top exchanges. They claimed that buying these tokens before the listing and selling them later would result in substantial profits. As a first timer in the world of crypto, I reached out to the group admin for guidance. They instructed me to transfer Ethereum to a cold wallet and purchase the tokens through UNISWAP. Following their instructions, I bought a total of 32 Ethereum, equivalent to $65,328, worth of the token. However, when I attempted to sell the tokens or withdraw my funds back to USD, I encountered difficulties. Realising that the situation was beyond my capabilities, I sought the assistance of the Recovery Experts. We communicated further on Telegram with the username K N IG H T H OO D B O T 9 and continued via email at “K N I G H T H O O D B O T AT G MAIL dot COM.” I shared the contract and other relevant information I had about the scam tokens. At present, the token’s value continues to rise, but I suspect that the team behind it is artificially inflating the market value to entice people to invest without receiving the promised returns. I strongly recommend reaching out to this Recovery team as soon as possible to address your situation.

  91. Irina Svensky
    8th December 2023 / 4:16 pm

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  92. Chris Hoffman
    9th December 2023 / 1:40 pm

    What Should I Do To Recover My Lost/Stolen Bitcoin? iBolt Cyber Hacker Offers Vital Solutions for Recovery

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  93. 9th December 2023 / 3:47 pm

    Cybergenie (@) Cyberservices (.) Com
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  94. Samuel Helgessen
    10th December 2023 / 9:12 pm

    The habit of trying new things and capitalizing on every opportunity to grow my financial independence has always been my way of living.. my first breakthrough in the tech industry was as a result of my decision to invest into the industry through an acquaintance on Linkedin and when the opportunity to invest in crypto came along I didn’t shut it down.. I started following the crypto market after the Bitcoin bullish run in November 2021 that saw it reach an all time high, ever since then I followed the market and I came to realize that the crypto market is a very fragile one , highly fluctuating in nature and if I was to get into crypto trading , it’d require my full attention so that somehow suppressed my desire to get involved until recently when I was introduced to a Malaysian based trading company Carlyle Acceleration Exchange ( CAE) which in accordance to the contract , i shall pay the trustee 20% of my profit as mentor fee for 4 weeks and in return the trustee trades on my behalf and all income generated upon the 4weeks successful trade shall go to me, I agreed we signed the contracts and quickly I made my first tentative investment which went well just like I was told then a second and a third but when I requested to have my funds withdrawn upon the completion of the third trade, I was told to pay a tax fee since the funds was much which I paid but they didn’t stop there , they kept coming up with more excuses to demand for more fees which looked very shady to me so I did more investigation on my own and discovered more cases like mine out there and how the victims handled their situation by contacting J E T H A C K S R E C O V E R Y C E N T R E the recovery company that helps people to recoup their lost assets and quickly I copied out the contact information and i reached out to the Team on email : J e t h a c k s 7 @ g m a i l . c o m …. 2 days after , My funds was successfully recovered back to my wallet and I was so happy. I have never seen anything like this before, These guys are the real deal, very competent and reliable and you can also find them on Telegram @ J e t h a c k s s .

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