Trading the stockmarket (NO Referrals)

Just put the £1000 in, it shouldn't be money you'd miss anyway. Put it in and add where and when you can into a s&s isa.

Won't be huge money, but it might be useful at some point. The other option, is to increase your pension contributions (assuming your investing them in similar portfolios you would anyway) and get better tax opportunities.
Will do! Thank you.
 
I've been thinking about a stocks and shares ISA but I don't know much about the subject. I only have a small amount to invest and I'm not sure if it is worth it as I only have £1,000 free. Should I concentrate on something else or go with an ISA?

If you go with Vanguard ETFs etc they always go up long-term really. ETFs contain sometimes 1000s of companies and are managed by experts. Put a bit in every month and it will likely be a few 100k in 15-20 years. Tax free.

You won't see it rocket up you drown in money, like it can with an individual stock. But that's higher risk.
 
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I'll probably be in the green again by close, or maybe sometime tomorrow.

Although I've not seen much of a response to trumps latest tantrum from the EU or Canada in the news.
Perhaps it's not really worth responding to, as they all know how it goes.

 
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The rate of return is annoying AF in T212. It uses IRR from what I understand, but it's a completely pointless measure.
It says I am 39.9% up, but I am only really like 13% up on my entire investment
 
The rate of return is annoying AF in T212. It uses IRR from what I understand, but it's a completely pointless measure.
It says I am 39.9% up, but I am only really like 13% up on my entire investment


Are you selecting 'max' in the graph rather than last month or last 3 months?
 
Are you selecting 'max' in the graph rather than last month or last 3 months?
Yes, max.
From what I understand, it uses MWRR


I invested randomly and sporadically, so it is a hugely skewed number. I am +£4,990 on £62,537.06 net deposits (including 21k in cash, the rest in investments), yet T212 claims 39.1% rate of return... lol
 
Yes, max.
From what I understand, it uses MWRR


I invested randomly and sporadically, so it is a hugely skewed number. I am +£4,990 on £62,537.06 net deposits (including 21k in cash, the rest in investments), yet T212 claims 39.1% rate of return... lol

I guess the maths gets really woolly when you are adding cash every month or whatever, as opposed to putting a lump sum in and leaving it?
 
If you go with Vanguard ETFs etc they always go up long-term really. ETFs contain sometimes 1000s of companies and are managed by experts. Put a bit in every month and it will likely be a few 100k in 15-20 years. Tax free.

You won't see it rocket up you drown in money, like it can with an individual stock. But that's higher risk.
Thank you very much!
 
Is Trading 212 the easiest/best platform?

I have a Vanguard ISA, but understand I can have another account somewhere else for Stocks and Shares, as long as combined I don't invest more than £20k.

Am thinking of buying and selling some shares, in an ISA WRAPPER, and thought Trading 212 might be the easiest way?
 
If you go with Vanguard ETFs etc they always go up long-term really. ETFs contain sometimes 1000s of companies and are managed by experts. Put a bit in every month and it will likely be a few 100k in 15-20 years. Tax free.

You won't see it rocket up you drown in money, like it can with an individual stock. But that's higher risk.


This is false in several ways.

ETFs can sometimes contain only a few companies, it could also simply be Bitcoin traded as an ETF.

Most ETFs are not managed, which is why they are cheap. E.g. the common ETFs simply track something like S&P500 or other trackers, which are. not managed but simply a filter on market cap.

Some ETFs have some management, e.g Schwab SCDVD, but it isn't active management but experts define a policy to select and weight the companies and this policy is general applied automatically with automatic re-balancing etc .



ETFs are not fundamentally lower risk. They only offer something which is easier and cheaper than a managed fund or doing something yourself. There are plenty of terrible ETFs out there.



What you are describing is something like a world tracker ETF, which as you say has thousands of companies, and these jave very low risks.
 
Is Trading 212 the easiest/best platform?

I have a Vanguard ISA, but understand I can have another account somewhere else for Stocks and Shares, as long as combined I don't invest more than £20k.

Am thinking of buying and selling some shares, in an ISA WRAPPER, and thought Trading 212 might be the easiest way?

Depends what you want to do I guess.
T212 is actually cheaper to have vanguard ETFs within a s&s ISA than doing it on vanguards own platform.

If you are investing rather than day trading it's a great choice.

If you want to be buying and selling shares in individual companies on a regular basis, (trading) it's maybe not the best platform but I don't know.

A better name might be 'investing 212' lol
 
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Depends what you want to do I guess.
T212 is actually cheaper to have vanguard ETFs within a s&s ISA than doing it on vanguards own platform.

If you are investing rather than day trading it's a great choice.

If you want to be buying and selling shares in individual companies on a regular basis, (trading) it's maybe not the best platform but I don't know.

A better name might be 'investing 212' lol
Thanks. That's super helpful.

I drop feed money into Vanguard, it works, and I'd rather just leave it.

Yes, Id like to "trade" shares in an ISA wrapper. I don't suppose you've other suggestions, do you? Thanks.
 
Thanks. That's super helpful.

I drop feed money into Vanguard, it works, and I'd rather just leave it.

Yes, Id like to "trade" shares in an ISA wrapper. I don't suppose you've other suggestions, do you? Thanks.

I can't help really.. I see myself as an investor as opposed to a trader, so I've only bought into 2 ETFs that I intend to hold and add more money to, long term.

I'm sure others on here know more about that than me.

The problem with trading is not only the risk, but there's always a buying fee or a selling fee when you do either, and if it's in a different currency than £, there's a currency exchange fee on each transaction too.

So if to are only playing with a small amount of money those fees can add up depending on your trading frequency.
 
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I was happy to be in green today but then I saw your portfolio and now I'm not as chirpy :( :p my poxy £422 in there, I did only start in June last month though.. it's a start

You just need to look at the percentage gain or loss rather than the total return or loss in £.

Of course a 5% gain on £20k is a lot more money than a 5% gain on £400.

Equally a 5% loss is a lot more money too...

Just keep at it, *be sensible* and you'll get there.
 
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You just need to look at the percentage gain or loss rather than the total return or loss in £.

Of course a 5% gain on £20k is a lot more money than a 5% gain on £400.

Equally a 5% loss is a lot more money too...

Just keep at it, *be sensible* and you'll get there.
The percentages/£ can be massively off because it uses MWRR. Max timeframe for £ will always be quick way to check return. The % can be off on max.

History, orders shows realised gains

More details under asset allocation (scroll down asset allocation near bottom) shows unrealised gains.

T212 as far as I’m aware have the lowest cost to trade so don’t concern yourself with the fees. FX rate is low when dealing US shares and exchange rate can swing both ways. Usually the larger appreciation in US shares will make up for it. The fees are so low it should be of no concern - trade away.

As long as you don’t get on T212 naughty step by trading too frequently or scalping (although haven’t received any warnings from them lately must have loosened the algorithm) you will be fine.
 
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