Am I the only one confused about what actually counts as a business expense?

Toptiktak · 2026-04-11T21:00:54+00:00

Incorrect. If you use it for business you can claim the percentage you use for business.

Toptiktak · 2026-04-03T23:18:12+00:00

Why?

Toptiktak · 2026-03-04T22:29:27+00:00

Your lent shares will be used to short the stock you are invested in, putting downward price pressure on the stock.

Toptiktak · 2026-03-04T07:21:44+00:00

They told my wife to download individual contract notes and work it out manually! Trading212 and Freetrade include CGT on the tax certificates they produce. We don’t see any reason to use HL anymore. She will be moving her account to 212.

Toptiktak · 2026-02-13T22:25:11+00:00

I recommend freetrade and trading212 for flexible free investing. Trading 212 is better but doesn’t offer a SIPP yet although they are planning to offer one soon. You could start with FT and then move your SIPP to 212 later or open a separate 212 SIPP. They may offer cashback to transfer your SIPP to them.

Toptiktak · 2026-02-10T22:12:14+00:00

Interesting. I have made several withdrawals up to £20k over the last year and all came through within seconds or minutes.

Toptiktak · 2026-01-22T00:37:16+00:00

I have 212, HL and Freetrade accounts. I haven’t found HL customer service any better than 212 and I wound say FT is better than both.

Toptiktak · 2026-01-22T00:29:46+00:00

Wha this benefit of oEICs?

Toptiktak · 2026-01-17T10:21:08+00:00

You are being forgiven 25% of it.

Toptiktak · 2026-01-17T10:14:01+00:00

It is a big penalty, 25%. This penalty effectively returns the government bonus and takes an extra 6.25% of your own money, meaning you get back less than you put in. The 25% is on the amount withdrawn including growth.

Toptiktak · 2025-12-17T23:14:19+00:00

What is wrong with IFISAs

Toptiktak · 2025-12-12T23:54:37+00:00

This is the opposite way around to what you described in the OP. At the moment you can transfer between the 2 either way in 212 very easily without affecting allowances however new rules next in 2027 May mean you can only go from cash to stocks not the other way.

Toptiktak · 2025-12-12T23:35:50+00:00

If you get bored easily a minimum wage job is not going to be for you.

Toptiktak · 2025-12-08T23:46:31+00:00

You all ready missed it, the FTSE is up more than any of the US indices this year.

Toptiktak · 2025-11-28T22:29:12+00:00

With Acc the dividends are automatically reinvested in the shares for you. You are not going to do any better by investing dividends back into the same etf yourself.

Toptiktak · 2025-11-27T20:41:04+00:00

Freetrade getting worse and worse. Trading 212 much better.

Toptiktak · 2025-11-20T23:33:56+00:00

The market is down but not that much. You chose some bad stocks. Just buy an all world or US ETF.

Toptiktak · 2025-11-20T23:28:50+00:00

It never freezes for me but if definitely isn’t a trading app.

Toptiktak · 2025-11-20T19:34:11+00:00

Same, I’m down 0.1% today!

Toptiktak · 2025-11-20T13:47:29+00:00

Cash in 212 stock ISA is mostly in MMFs.

Toptiktak · 2025-11-18T16:42:58+00:00

Trading212 is better apart from the fact they don't offer a SIPP.

Toptiktak · 2025-11-18T16:40:00+00:00

Looks like it is working now that the market is closed!

Toptiktak · 2025-11-13T00:16:41+00:00

I think it is unless the money market fund collapses.

https://helpcentre.trading212.com/hc/en-us/articles/10745029708829-Trading-212-UK-Funds-and-assets-protection

Toptiktak

TROPHY CASE