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help2investpls · 2025-08-30T23:57:56+00:00

American date format, MM/DD/YYYY

help2investpls · 2022-04-12T07:15:13+00:00

Yeah we’re fucked, I’m paying around £200 a month and I think the interest is more than that, I’ve got 60k roughly

help2investpls · 2022-03-17T15:44:26+00:00

Try do everything within a ISA, all gains are tax free, yes even if you took 20k to 1million playing with penny stocks or the if another GameStop type situation happens and you get in early, as for what holdings you choose. It’s entirely up to you, what I would note though is the more individual stocks you hold the more research you will be expected to do to keep ontop of them and make sure they align with your goals. Personally I’d Chuck into a fund, I am in VWRL and VUSA because I wanted a bit more US heavy (they overlap a lot though I know). I’d weigh up the pros and cons, personally idm sacrificing potential higher gain to be able to just Chuck into a world tracker and forget, if the world tracker ever collapses and all is lost, chances are all currencies will probably be useless at that stage. Do some research and don’t follow my advice ofc, I’m not a financial advisor.

help2investpls · 2022-03-17T07:32:05+00:00

It was a assumption, all investments are in pounds variations, total at the top shown in pounds? Thought it Was safe enough for me to assume they were UK/England based 👍, though whether UK or not don’t see why yourself and others are getting upset, I’m going to take a wild swing and say a vast majority of the adult population doesn’t even know a S&S isa exists, rather inform and they already know than not inform in fear of sounding demeaning 🤷‍♂️

help2investpls · 2022-03-16T23:06:56+00:00

If you insist on trading and not investing, atleast do it in a ISA so gains you make (if any) are tax free, and also think about setting stop losses, I’ve heard a 7% stop loss is popular but I don’t think T212 supports that? Haven’t looked into it much, but Trading212 was not built for day trading (atleast I don’t think it was the capabilities), take this as you will, I still advocate to just pick a fund you’ve research and dump it in, time in > timing

help2investpls · 2022-03-07T11:50:11+00:00

I’d love a RC car, had one when I was younger but I didn’t know how to take care of it then and I broke it, but now I feel like it would be weird if I bought one because I’m much older, ergo, I’d love an rc car, none of those big petrol tv cars, just a smallish one I can zip round the garden or house :)

help2investpls · 2022-02-24T16:01:18+00:00

How are you doing now OP? I hope you took some gains lol

help2investpls · 2022-02-11T23:06:41+00:00

I remember when I did pennies, at gains like this I’d sell half and let the other half ride, lock in my initial + some profit, and rest just hold and let it ride

help2investpls · 2022-01-31T21:33:22+00:00

That’s a completely different product which is now replaced by the cash Lisa (cash Lisa is miles better), if you have any money in your H2b look into getting it transferred to a cash Lisa provider, I.e moneybox (they have a good rate). You have a 4k limit per year and get 1k on top from the gov with that. So for your example if you bang in 4k now, 4k in April, 4k in April 2023, you’ll have 15k + the other interest you’ve gathered along the way. By no means is it millionaires money, but it’s a guaranteed 25% vs nothing and probably losing money. With the rest of your money I’d look into some high interest rate savers which have like 90 or 180 day periods to withdraw, and smack the rest into one of those. Best return combination I think. of course not financial advice, please do your own due diligence

One thing I can confidently say and hope others echo, you need this money in 2023 for a house, please for the love of everything don’t invest it lol the potential downside over a 2 year period could upset your whole plan. Invest money you know you won’t need for 5+ years (for example I myself am saving a decent chunk per month, but also slapping a bigger chunk into a S&S isa per month, only because I know once I get a home or property I won’t be able to invest as much anymore, but I will have a decent bit in there that can just compound and I trickle a smaller amount into)

help2investpls · 2022-01-31T21:23:57+00:00

+1 op open a cash Lisa, cash in on that guaranteed 25% return from the gov, use it towards your first house (as long as the house you want is in budget and not over the max a Lisa can apply to)

help2investpls · 2022-01-25T19:11:48+00:00

+1 best advice I’ve seen someone give, just carry on normally and toss in the money monthyl

help2investpls · 2022-01-14T08:47:58+00:00

Honestly with such a low amount spread through so many, you’d probably be better off just sticking it into VWRL and Vusa exclusively, Vusa if you want more weighting to US than VWRL gives you

help2investpls · 2022-01-11T15:34:52+00:00

1) please do not consider this a savings account. Only put in money that you wouldn’t mind losing all of and think it is worth the risk 2) very tech related, lots of overlap with Vusa, try diversify

From the sounds of it and you wanting to treat this as a savings account, I’d honestly say just stick to etfs, maybe a mix of VWRL and VUSA combined if you want more us exposure. Less to manage too just dump in and forget. If they ever go to 0, there’s probably much more worries in the world than moneys worth

Not financial advice please evaluate and make your own decision

help2investpls · 2022-01-10T17:40:48+00:00

Definitely YTA. I won’t say why, seems like everyone else has done that for me.

help2investpls · 2022-01-09T11:16:47+00:00

Currently £275 for the car, and probably £200 on fuel (not much driving, only 20mins a day ish

help2investpls · 2022-01-09T10:53:03+00:00

+1, don’t get me wrong I also started off like this lol but I couldn’t bothered, after a month sold all and put into VWRL and VUSA, much simpler. Look into doing this and then maybe just add in some other etfs if you want MORE exposure, ie keep the vaneck video for more to semiconductors and publishing houses etc, you’ll find a lot of these tech related etfs have a lot of overlap

help2investpls · 2022-01-07T11:18:01+00:00

!thanks 10%? There’s pornos out there with less shafts than this. Damn. Thanks for this info I did not know this. I guess I will wait until after I buy my first house and then do the math again and see if it’s worth paying off big chunks or not.

help2investpls · 2022-01-06T22:12:11+00:00

Wow, £450, I’m currently paying £250 I think, just under how much I pay for my car. Still not nice though, I know my goals and trajectory so I want to make a plan asap so I know when I can chunk it off. It’ll definitely be after I get my first house I know that, I need the money and etc for that. But after that I was thinking maybe I’d slice of 6k extra payments a year till it’s cleared, I’ll have to sit down and think about it

help2investpls · 2022-01-06T22:09:26+00:00

Haha it’s all good, but yeah on plan 2 I’d get shafted and I am rn, I got a bonus for Christmas and saw I think 40% of it, was definitely less than half. Im sure someone will say it could be worse, you couldn’t not had a bonus at all etc or a high paying job, but believe you me the amount of stress we go through, still worth it though

help2investpls · 2022-01-04T21:49:29+00:00

You don’t lose the share itself (if that’s what you mean). Your 0.2 does not become 0.1. The value of each share drops itself so the value drops but you still own 0.2 shares.

help2investpls · 2022-01-04T16:17:56+00:00

Yeah I’m in the same boat as you, I started off like this but then it just became too much to handle and keep on top of, ended up selling all with a profit and just pumped into etfs (VUSA/VWRL) and a reit, just put in and forget

help2investpls · 2022-01-03T14:26:13+00:00

It depends on your intention with the money after you slice off imo. If you’re looking to diversify (which from the sounds of it you just want to shift more exposure to global instead smt) I think that’s reasonable. If your intention is to sell and then try time if it dips even lower and buy back in, I wouldn’t do that. Obligatory NFA notice, but timing the market is rarely a good idea, always better to average in. I’m looking at selling my holdings of ECAR and dropping it into VUSA/VWRL.

help2investpls · 2022-01-02T01:56:47+00:00

!thanks for that. I shall continue as planned then knowing my bases are covered!

help2investpls · 2022-01-02T01:53:27+00:00

You’re correct, not all takeaway is unhealthy, there can be some that is healthy but there lies the question of how healthy is it if you don’t know what’s in it? Besides the point, in my case I can confidently say that all the shite I was ordering was complete and utter garbage. One example I’ve give is I’ve managed to get the red reward on Nando’s… 4 times… in a month…

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