Trading the stockmarket (NO Referrals)

throwaway4372 said:
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:
financialinterest.com

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 financialinterest.com
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While we strive for the highest standard of quality, this page may contain errors or become outdated.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 financialinterest.com
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cheap... but not the cheapest... I still think they are the best value for the service that they offer.
 
Got to be honest, I'm pretty fearful at the moment. Partly because I have no income other than the wife's so I'm about 1/3 in cash, bonds or money market. Dripping a bit back in each month if stability persists but the Trump chaos is pretty scary and will impact markets negatively soon. It's disappointing to not see your pots grow (much) but at my current life stage a 30-50% drop would cause sleepless nights - or I'd have to go and get a job! I'm a cautious investor and honestly don't have the stomach for big resets. that said I'll have some liquidity to take advantage if and when it happens.
 
slinxy said:
T212 may be free at the moment but a lot of the free trading platforms are non-profitable and fees can change.
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they make money

Trading 212 in 2023, with the company’s Revenue up slightly (by 1%), hitting £116.2 million (USD $152 million) versus £114.9 million the previous year.

However a continued ramp-up in expenses – in particular advertising and staff costs – led to a 35% drop in Net Profit at Trading 212, from £34.2 million last year to £22.3 million in 2023.

Trading 212’s Revenue rise was helped out by a major jump in Interest Income, which increased in 2023 to £15 million versus just £0.4 million in 2022, in a higher interest rate environment. On the cost side, Trading 212 more than doubled its Advertising spend to £27.1 million in 2023 versus £13.1 million in 2022, leading in part to the decline in profit noted above.

Trading 212 is controlled by Bulgarian entrepreneurs Borislav Nedialkov and Ivan Ashminov. The company is run day-to-day by London based CEO Mukid Chowdhury.

The group operates segregated client money bank accounts and client transaction accounts. As at 31 December 2023, the total balance of these accounts was £438.6 million (2022: £306.7 million), As at 31 December 2023, the total value of clients’ custody assets held was £3.36 billion (2022: £2.08 billion).
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I reckon 2024 will have been a good year for them too, probably a banger with how much the market skyrocketed, all the social idiots were trading again
 
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Calpol said:
Got to be honest, I'm pretty fearful at the moment. Partly because I have no income other than the wife's so I'm about 1/3 in cash, bonds or money market. Dripping a bit back in each month if stability persists but the Trump chaos is pretty scary and will impact markets negatively soon. It's disappointing to not see your pots grow (much) but at my current life stage a 30-50% drop would cause sleepless nights - or I'd have to go and get a job! I'm a cautious investor and honestly don't have the stomach for big resets. that said I'll have some liquidity to take advantage if and when it happens.
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Same, I'm unemployed (well, I will be in a few weeks).

Interest is beating inflation at the moment, so just bang it in a cash ISA and let it tick over. Ignore the FOMO.
 
arknor said:
they make money


I reckon 2024 will have been a good year for them too, probably a banger with how much the market skyrocketed, all the social idiots were trading again
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AFAIK a lot of their income comes from fx, if people are converting pounds to dollars to buy US shares, I don't understand why they would trade them back to pounds after selling the shares now that they allow you to do it. I would just keep them in USD for the next trade. But I guess some people are just short visioned and trigger happy.
 
slinxy said:
AFAIK a lot of their income comes from fx, if people are converting pounds to dollars to buy US shares, I don't understand why they would trade them back to pounds after selling the shares now that they allow you to do it. I would just keep them in USD for the next trade. But I guess some people are just short visioned and trigger happy.
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multiple currencies is only in the normal trading account? I'm guessing most people trading are young 19-30 and just use an isa to avoid paying gains, assuming they realise about taxes anyway

Most there money was supposed to come from CFDa
 
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Uther said:
One thing I like about the S&P is you can bail out quickly. Some of my funds take forever and a day.
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That's not specific to the S&P that will be down to the structure of the fund. E.g ETF vs OIECs.

Both have benefits actually, at least in a crash you can't panic sell the OEIC instantly and miss the inevitable upswing.

If you want an tradeable world etf then VWRP works.
 
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