Trading the stockmarket (NO Referrals)
- Thread starter mcast123
- Start date
Between the chinese AI announcement and the uncertainties around trumps various dealings with the world, I see the vanguard developed world ex-uk is still under water a little bit since the 23rd of Jan.
markets.ft.com
I'm guessing most of the other similar funds/ETFs are likewise ?
Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc, GB00B59G4Q73:GBP charts - FT.com
{0} ({1}) interactive charts
I'm guessing most of the other similar funds/ETFs are likewise ?
Bit of a shambles; I keep getting a gut feeling to cash in everything and wait for several months to see how the various situations shake-out. Trump has managed to create potential instability across all markets for the foreseeable.
Thank you, may I ask why you use vanguard and t212? Whats the advantage to diversifying your trading platforms?
Yeah, I cashed out of vanguard developed world ex-uk the day after the chinese AI thing, in a bit of a panic, and have been watching the value since. I'm more content to have it currently sitting in short term money maket bond fund, albeit just getting circa 4% P.A., because with the current atmosphere you have no idea what you are going to wake up to in the morning. I'm too close to retirement to have my personal pension shafted by some nutty spare of the moment decision/utterance.
That's the key aspect right there. I'm still some 7 years away from the SIPP and in truth whatever may come is likely (and hopefully) to be short-term flux. The greedy gremlin in me is to cash out and get back in as soon as the flux (drop) happens but pragmatism tells me to simply ride it out. Considering I have blocks in both world with UK and without, I might chop in one and hedge for a couple of months.
Yes I have a chunk in the money market fund, and switched some more from the S&P into it last night. 4% is better than -£lol. Not in a panic, but I think the time for being a bit careful is here. Hopefully things will settle down soon.
Vanguard has more features and is more of a trusted platform. there was a lot of noise about the fees rasing but if you have more than 30k with them then the fees remain the same-ish.
T212 don't hold my cash ISA themselves but with a load of other banks and fscs protection is per institution not per account, so say if I had more that 85k in JP Morgan and JP went down... I will only be able to claim 85k.
With T212 you don't actually own the shares yourself, T212 holds the shares on behalf of you and they are with accounts on Interactive Brokers
Do I own my shares?
Yes, you do. You are the beneficial owner despite the shares being registered under Trading 212. What’s the difference between a beneficial owner and an owner on record? A beneficial owner is ...
Do you really want to give a load of cash to a company and have that company place it with another company in their name?
With their customer services sucking hard, I want to be able to speak to someone to resolve issues if/when they occur, more important when it's large amounts.
T212 may be free at the moment but a lot of the free trading platforms are non-profitable and fees can change.
It also gives me a mental separation in the funds, Vanguard is used for long term trackers and T212 is my **** about account where I think I'm Carl Icahn and I can make money swing trading.
I don't want to cash in on trackers to invest in some "to the moon stonks", having them in separate platforms makes it harder for me to do this.
By using a general investing account on T212 where it is affected by capital gains, allow me to limit my gains/risks per year while still taking advantage of the CGT allowance.
T212 allows me to buy individual companies stocks while Vanguard is limited to Vanguard funds.
T212 allows me to buy factual shares while vanguard is whole ETFs shares only.
if you are investing in a small amount (dollar cost avg), I can buy part shares in vanguard ETFs on T212 then move them to Vanguard later when they build up.
TLDR: Vanguard is cheap if you have more than 30k and you only want to in invest in vanguard products. if you want to buy iShare, state street, etc trackers then you need to go else where.
T212 is ok, but still considered a baby in the market.. I personally don't want to risk my life savings on the platform, but due to them being free, it's a great way of dipping your toes in or a place to mess about.
All bets are off.
At the moment I have no idea what to do with isa/pension apart from diversify.
ISA I'm gradually turning to cash. As global risks grow and grow.
Does seem like anything could happen.
Any instability is bad. But if Europe does get plunged into defense spending and trying to gradually exit from American companies... The S&P is not going to be a good place to be.
I'm Suprised the stock market is as resilient as it is to date.
Everything felt so easy since covid. Now it's a lottery.
There's also a part of me now wanting to divest away from USA stocks on moral grounds. Yep... All of a sudden investing selfishly is starting to not feel so good.
At the moment I have no idea what to do with isa/pension apart from diversify.
ISA I'm gradually turning to cash. As global risks grow and grow.
Does seem like anything could happen.
Any instability is bad. But if Europe does get plunged into defense spending and trying to gradually exit from American companies... The S&P is not going to be a good place to be.
I'm Suprised the stock market is as resilient as it is to date.
Everything felt so easy since covid. Now it's a lottery.
There's also a part of me now wanting to divest away from USA stocks on moral grounds. Yep... All of a sudden investing selfishly is starting to not feel so good.
Yur, each day brings more uncertainty and I'm feeling pretty uncomfortable even with the markets still seemingly looking unaffected at events happening in real-time. Just looking at Vanguard as that is where most of my portfolio is; I'm teetering on whether to pump 50% in to VASTMGA (which I think is the most appropriate MMF for me).
Soldato
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Once you get a decent sized pot Vanguard isn't competitive.
@Cavallino you gotta look at the fee structures and do your own math to get the correct answer for you.
These links might give you some ideas of which are worth running the numbers on:
The Best SIPPs in 2025: Fees & Features Compared
Choosing the right SIPP depends on your specific needs and requirements. We'll help you narrow down your options and pick the best one for you.
financialinterest.com
The Best Stocks & Shares ISA for Investing in 2025
While we strive for the highest standard of quality, this page may contain errors or become outdated. Fee calculations are listed below. Please contact us if
financialinterest.com
Fully invested for me. Nothing changes - Always been "time in the markets" person for my own stuff.
Good diversified spread of investments - review every quarter.
Everything is cyclical - markets go up, markets go down... Don't try to second guess them.
Each to their own of course - no right or wrong choice. It's your money, do as you see fit.
Saying that - Ferrexpo down 30% yesterday, back up 15% today.
Good diversified spread of investments - review every quarter.
Everything is cyclical - markets go up, markets go down... Don't try to second guess them.
Each to their own of course - no right or wrong choice. It's your money, do as you see fit.
Saying that - Ferrexpo down 30% yesterday, back up 15% today.
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Soldato
- Joined
- 24 Jun 2021
- Posts
- 4,152
- Location
- Oxon
I think you're getting a bit panicked, maybe reading too much news or something idk, plus feeling generally on less solid footing is to be expected. Try to think about how much of this is related to material changes in investments and how much is caused by other stuff. Think about what you're using your money for, i.e. cash for short term, stocks for long term, some combination in between.
You defo got lucky with individual stocks, which you know, so it's perfectly reasonably to switch to a more boring strategy you don't have to keep watching (and it's better if you don't).
kidding (sort of):
I'm carying on regardless... if the market goes down it's just means cheaper shares for me to buy.
I'm no where near my needing the cash and I have a more than a year funds locked away in cash ISAs and savings anyway.
retirement shouldn’t mean the end of investing.. say you retire at 67 but live till 90, that’s still 23 years. I don’t plan to stop investing till I’m at least 75. Yeah de-risk as it’s the only income but that’s a lot of time out of the market.
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I'm 2 years cash (well money market fund at round 4-5% pa) the rest is 100% equities, most of it up until last night in the S&P. I've gone a bit more global now.
I'm retired.
Just at retirement is the riskiest time. As you go further on and get older a crash should have less effect on you so there is a case to re risk rather than de risk as you get very old..
Also strong maths.
It all depends on your exit route to retirement... but if you retire and need a lump sum to pay off a mortage and credit cards as you no longer have a fix regularly income.. then yeah; it's risky
maths is strong but fingers are phat... lol