Trading the stockmarket (NO Referrals)

beachBOYken said:
Aha thanks, found it, mine is invested already, but what would the risk be if it’s just sitting there as un uninvested cash gaining interest?
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From what I understand you're money might not be held in an actual bank and it's not protected like normal bank deposits.

As we're not a bank, we use a mixture of products and vehicles such as qualifying money market funds, time deposits, and current accounts. This is why it's mandatory to accept QMMFs to receive interest.
You can see how your cash is held at any time from your interest on cash dashboard. This data's updated once per day at midnight and is based on your settled cash balance.
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A qualifying money market fund holds mainly short-term, low-risk financial assets, aiming to maintain a stable value. These funds are designed to be low-risk places to keep your cash while earning a bit of interest, and they're often used for the cash portion of retirement or investment accounts. They're called "qualifying" because they meet certain regulations that allow them to be considered as cash equivalents.
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If a QMMF in which your cash is invested in goes down in value, this may affect the value of your uninvested cash held in the QMMF. However, to manage this risk, we select only high-quality QMMFs and we monitor them frequently
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barmyllama said:
From what I understand you're money might not be held in an actual bank and it's not protected like normal bank deposits.
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My understanding is QMMFs are still technically investments, hence they can be held in a stocks and shares ISA and earn 'interest'.

It's not as safe as say premium bonds but it's not cash either.
 
Trading 212 S&S Isa, November a rough month compared to October got £2k in it I appreciate this is the long game though I have it shared in VG FTSE all word and S&P 500.

Also what the deal come 2027 with this new rules can you have up to £20k in a S&S ISA?
 
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Pretty much every time I have used an agentic AI, it has failed to do what I needed. Companies seem ready to use agentic AI to replace jobs, but they don't actually ascertain whether it really works first.
 
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I think Waymo has a better approach to self-driving cars than Tesla. I feel Waymo tech is superior, with its LIDAR and more sensors. Tesla has taken the cheaper cameras-only approach. Waymo is a subsidiary of Alphabet.
 
radderfire said:
Pretty much every time I have used an agentic AI, it has failed to do what I needed. Companies seem ready to use agentic AI to replace jobs, but they don't actually ascertain whether it really works first.
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People that get to use it day to day know how limited it actually is.. and how it creates as many problems as it solves.
 
413x said:
Bgeo.. Continues to perform for me.

Bgeo is probably my best share of past 12 months on balance. It's consistently produced exceptional gains and better than UK banks for prospects I feel. Kind of wish I had more in it.
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Minstadave said:
Think you mentioned that quite some months back and its doing very nicely.
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That post is from December 2023 when price was about 35 pounds.
Now 88 pounds.

Not to forget it pays a (at present) 4 percent dividend too.
 
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