Trading the stockmarket (NO Referrals)

mid_gen said:
AI is just going to accelerate the consolidation of wealth generation into an increasingly small number of US based multinationals. You'd be daft to now have a significant chunk in them for the long haul.

For my long term ETFs, I'm mostly in VUAG, and a bit in IITU which is an S&P tech etf.

I'm also heavily into a YOLO on tbe psychadelic therapy industry, ATAI mainly, which is doing nicely, plus a couple others, NUMI, CYBN.

Lucid and Rivian, well less said the better, although I have traded the swings and sold at distant highs so the pain isn't too bad.
Click to expand...
I assume you mean 'NOT have' rather than 'now have...?'
 
If I were giving advice, I would expose mostly to the US and then add in RoW to hedge if you want to reduce risk. Buy and hold for twenty years and you'll be fine.

S&P you'll get a load of big tech which I can't see not continuing to dominate. Apple, Microsoft are going nowhere.

I avoid the UK at all costs.

My best recent pick has been Nvidia which I did like 400% return on, I also got Tesla, T-Mobile US, Apple very early (like a decade ago) but moderate stakes.
 
Last edited:
slinxy said:
No it’s not FCSC protected.. it’s the same if you opt for the debit card…
Click to expand...
So shares invested with T212 covered by FSCS but unallocated cash (if you take the 5.2% interest) is not

I want to put 20k into T212 ISA and just leave it unallocated cash @ 5.2% but not too sure if it better idea to get lower % cash ISA but FSCS covered.
 
SmokeKingGun said:
So shares invested with T212 covered by FSCS but unallocated cash (if you take the 5.2% interest) is not

I want to put 20k into T212 ISA and just leave it unallocated cash @ 5.2% but not too sure if it better idea to get lower % cash ISA but FSCS covered.
Click to expand...

Techinally, the shares you have in T212 is held in Interactive Brokers.

helpcentre.trading212.com

Do I own my shares?

Indeed, you are the beneficial owner of your shares. Although the registered owner may be Trading 212 or another intermediary entity, you retain the status of the beneficial owner. ✅ What’s the dif...
helpcentre.trading212.com helpcentre.trading212.com

I want to know more about the ownership of my shares.​


All brokers worldwide operate within a custody chain. From your point of view, Trading 212 holds your shares. However, there are more steps in that chain.


From Trading 212’s point of view, Interactive Brokers holds your shares. They then hold the shares in a custody chain, which can often be complex. The central depository is always at the end of this long custody chain.
Click to expand...

That's why they are FSCS protected.

If you are opt-ing for the higher intreast rate, you are giving permission for them to use your money to invest in QMMFs

helpcentre.trading212.com

Higher interest rates on cash

What’s a qualifying money market fund (QMMF)? A qualifying money market fund holds short-term, low-risk financial assets, aiming to maintain a stable value. These funds are designed to be safe pla...
helpcentre.trading212.com helpcentre.trading212.com

Is my money still protected?​


Where we hold your money with a bank, clients of Trading 212 UK Ltd. are protected by the FSCS up to a limit of £85,000. Clients of Trading 212 Markets Ltd. are protected by the ICF up to a limit of €20,000 and are additionally insured up to €1M by Lloyd’s of London. Learn more about how your money is protected here.


Money placed with a QMMF is treated as an investment and not as money held with a bank. In the unlikely event that the QMMF fails to maintain their low-risk strategy, as with any investment, the protection will not be available. We carefully select all QMMFs to ensure that they are highly liquid, stable in value and maintain their highly regulated status.
Click to expand...

and like all investments there is a chance that your investment can drop to zero.

IMHO, QMMFs are not that risky.. I have a percentage of my pension invested in QMMFs as part of my pension package but then again my pension is being managed by one of the biggest players in the pension business. Do you trust T212 to manage your cash?
 
So smci continues to moon like a crypto coin.
Up 130 percent in 1.5 months ish.

And coinbase is obviously rallying with crypto moon over 100pc.

Meanwhile.. My UK shares are broadly flat.
 
Last edited:
Luna still limping along :(

But I did the thing you're not meant to do and bought NRXP @0.35 because I read an online comment about it, now it's up 20% this week.

I'm only doing this with play money, don't think I'd have the balls to do it with bigger amounts!
 
the LS 100 geographical breakdown

+North America 31.93%
+Developed Europe - Excl UK 27.51%
+UK 21.75%
+Emerging Asia 5.73%
+Japan 4.90%
+Non-Classified 2.93%
+Australia & New Zealand 1.55%
+Property 1.06%
+Developed Asia 0.94%
+Middle East & Africa 0.83%
+South & Central America 0.64%
+Emerging Europe 0.22%
+Managed Fund 0.04%
 
Dirk Diggler said:
Any recommendations on a medium term (5 years) S&S ISA with Vanguard? Is LifeStrategy 100 still the medium risk choice?
Click to expand...

200sols said:
What makes you think 100% equities with a UK tilt is medium risk?
Click to expand...

I think it’s rated as a 4 or a 5 in the risk profile, so it would be a medium risk.

Admittedly the UK market it’s doing rubbish but there are some advantages of using home market, like you don’t have to worry about FX and foreign taxes. Having said that 20%+ is far to biased to the uk market for pure shares.

I know a lot of people are in favour of investing in the S&P 500 at the moment, but it does seem rather overpriced and heavy in tech with AI.

I’m just hopeful that the UK market starts to recover.. with a new government.

If you want or play safe.. just go boring and go for an all world fund.
 
@Dirk Diggler look at any of these?

You could do a % split if not keen for high risk

Vanguard FTSE All-World UCITS ETF USD Accumulation (VWRP)
Vanguard FTSE Developed World UCITS ETF USD Accumulation (VHVG)
Vanguard FTSE Developed World ex-U.K. Equity Index Fund
Vanguard FTSE Global All Cap Index Fund
Vanguard S&P 500 UCITS ETF USD Accumulation (VUAG)
Vanguard U.S. Equity Index Fund
Vanguard FTSE All-World High Dividend Yield UCITS ETF USD Distributing (VHYL)
 
ddoubleep said:
@Dirk Diggler look at any of these?

You could do a % split if not keen for high risk

Vanguard FTSE All-World UCITS ETF USD Accumulation (VWRP)
Vanguard FTSE Developed World UCITS ETF USD Accumulation (VHVG)
Vanguard FTSE Developed World ex-U.K. Equity Index Fund
Vanguard FTSE Global All Cap Index Fund
Vanguard S&P 500 UCITS ETF USD Accumulation (VUAG)
Vanguard U.S. Equity Index Fund
Vanguard FTSE All-World High Dividend Yield UCITS ETF USD Distributing (VHYL)
Click to expand...

Thanks for that info.

This is a 5 year plan and I'll be allocating around 30% to this and 70% to cash ISA, so I've probably split the risk enough with that.

I'll get a look through those, although I'd looked at the S&P 500 and performance looked good, however as stated a few posts back it's at ATH so maybe not the best time to start buying in?
 
Dirk Diggler said:
Thanks for that info.

This is a 5 year plan and I'll be allocating around 30% to this and 70% to cash ISA, so I've probably split the risk enough with that.

I'll get a look through those, although I'd looked at the S&P 500 and performance looked good, however as stated a few posts back it's at ATH so maybe not the best time to start buying in?
Click to expand...
Not buying in now is timing the market though. Its depends on your investment horizon and how your appetite for risk is if it drops and stays low.

Personally I drip fed into an index fund rather than lumpsumming as I'm rather risk averse.
 
Last edited:
You must log in or register to reply here.
Back
Top Bottom