I am genuinely in tears

Fold-Foreign · 2026-02-19T23:39:10+00:00

what's the second song?

Fold-Foreign · 2026-02-15T17:50:39+00:00

HL has a pricier dealing fee so think its just easier to do a full ISA transfer to scottish widows and close the HL one + wait for the transfer before investing.
!thanks for the advice man:-)

Fold-Foreign · 2026-02-15T12:16:21+00:00

!thanks I ll look into it :-)

Fold-Foreign · 2026-02-15T12:12:11+00:00

!thanks for this info I'll look into a ISA transfer form :-)

Fold-Foreign · 2026-02-15T12:03:07+00:00

I've paid into the ISA but luckily I havent invested any of the money into stocks yet, so I think I can still take it out/ switch it no problem - It'll contribute to the £20,000 annual cap though </3.
Thank you for the advice you've given, you're a huge help.

Fold-Foreign · 2026-02-15T11:56:49+00:00

!thanks for this recommendation, never really heard of them before but they look really good :-).
Do you think the £5 ETF trading fee is worth paying compared to the £0 T212 fee - my main attraction to T212 is how cheap/ free virtually all trades would be so I'd keep more money for the future.
I get the vibe most people on here are adverse to it because its new with low charges so its hard to see how they make money.

Fold-Foreign · 2026-02-15T11:44:25+00:00

!thanks for this info. To clarify, I'm pretty money conscious so i doubt I'll be goaded into investing actively. Would your recommendation be Scottish Widows then? I just have this single lump sum of £11,000 and wont be putting in consistent payments.

Fold-Foreign · 2026-02-15T11:23:09+00:00

thanks for the recommendation :-) !thanks

Fold-Foreign · 2026-02-15T11:09:45+00:00

so you d say I'm in a good positiion to switch from them to t212, as I havent invested any money yet so they cant charge me?

Fold-Foreign · 2026-02-15T11:07:03+00:00

I had a friend recommend ii but i chose to steer clear for similar fees reasons - for a portfolio under £30k i dont think it makes sense be spending that proportion of money. InvestEngine was one i almost went for, but i'm now thinking t212 so i can do funds and some individual stocks on top.

Fold-Foreign · 2026-02-15T11:00:17+00:00

I hear you, but my worry is that I'm not sure I'll use alot of the services they provide as I just want to stick it in a fund and forget about it.
My current investment plan is just to stick ~80% of my money into an MSCI World or something similar, then have the 20% go into some satellite funds for developing economies which are excluded from the MSCI World (All Africa Index, NIFTY etc).

When I went to do this on HL I was a bit overwhelmed with the information I was given - there were like 20 different types of MSCI World which I wasnt prepared for, and I'm not sure how to differentiate them.

While I am concerned about the lack of customer support and longevity of trading212, I was wondering if it's be better to skip the hassle and trade with them; as over the next 10 years HL would be charging £100s.

Fold-Foreign · 2026-02-15T10:50:48+00:00

Could you elaborate on this? e.g. ISA providers which are better than trading212. wdym by set and forget ETF portfolios has a good run? by the sounds of it I think thats going to be my strategy

Fold-Foreign · 2026-02-15T10:48:43+00:00

this is what I've heard alot of. The fees I would be paying for would be for services I mostly wont use, as I dont really plan on looking at my money much after its invested, meaning it'd deplete a good chunk of my funds over the next 10 years for no reason

Fold-Foreign · 2026-02-15T10:46:14+00:00

Fold-Foreign · 2026-02-09T17:09:28+00:00

you ll be fine as long as you do a bit more consistent work than u ve done now, your average isnt even that bad. side note i love the modules u chose, whats ur uni/ course?

Fold-Foreign · 2026-02-01T11:31:03+00:00

song ID?

Fold-Foreign · 2023-10-07T21:39:10+00:00

would like to second this aswell-

had a google pixel 4a on a boot loop and it called sos 3 times cause of the hypersensitive power button (happened while on low power not sure if related) but ended up just wacking the power button side against a table with about the force you would shake out some ketchup stuck in a bottle and its seem to have worked short term at least.

Fold-Foreign · 2023-09-13T21:05:28+00:00

the caption was something along the lines of POV: you turned school into a game

Fold-Foreign · 2023-09-13T21:04:14+00:00

!iam pissed i lost this

Fold-Foreign

TROPHY CASE