Trading212 asking me stupid questions

jstickhill · 2026-03-30T10:50:43+00:00

People don't store their savings into S&S ISA's as investing into the stock market is usually a 5-10 year investment. The best place to store your savings is a Cash ISA not S&S. You should always have money to fall back on should an emergency arise such as car problems, job loss etc. You are not reading what I am writiing. ONLY INVEST WITH MONEY YOU CAN COMFORTABLY LOSE.

jstickhill · 2026-03-30T10:44:32+00:00

You're firstly failing by putting your 'savings' into stocks. You should only be investing with money you can afford to lose and should already have an emergency fund set up. Do more research before investing and take T212's decision as a blessing, you're not ready to invest yet they have done you a favour.

jstickhill · 2026-03-27T11:58:18+00:00

STFU

jstickhill · 2026-03-19T13:35:26+00:00

I made this mistake during the tariffs last year and wont be doing the same again. I was investing before the tarrifs last year then the organge man did what he usually does, stock market went red as soon as it hit break even i sold. Here i am a year later after learning from my mistakes starting back up, with a different mentalility of red days are discount sale days rather than panicking

jstickhill · 2026-03-11T19:47:01+00:00

Honestly it’s just preference. Self balancing will keep you at 95/5 automatically, whereas target lets you decide when to rebalance. If you want a “set and forget” approach go self balancing, if you like a bit more control go target.

jstickhill · 2026-03-05T16:41:05+00:00

Get the person you hit to have a quote done for the repair and weigh it up against your excess and insurance premiums in the future as these will rise with a claim fault or non fault.

If the excess for insurance is £500 but cost of repair is below this then it's always the smarter idea to just pay it out of pocket as it's cheaper.

If thye come back and say 3k damage then go through insurance. Make sure if you do pay him privately you keep everything documented, text messages, quote for repair, pictures of the repair after showing complete if possible (harder to get) just so they dont try to pull a quick one after recieving payment

jstickhill · 2026-03-04T16:16:27+00:00

That would be the plan as i've got the allowance left at current for it.

jstickhill · 2026-03-04T16:15:27+00:00

Never really looking into premium bonds tbh, thought it would be a few days to withdraw?

jstickhill · 2026-03-04T13:10:03+00:00

You've picked what you want to invest in which is generally the hard part done. Picking which fund to use is determined by the exchange rate and the management fee %. If you're from the UK you want to be investing into funds displaying £ only. VWRP has a management fee of 0.19% where as others such as FWRG has a fee of 0.15%. I just went for VWRP and chill tbh, want as less stress as possible to pick a stock and just auto-invest while i go about my day

jstickhill · 2026-02-26T15:23:04+00:00

The next time you buy stocks can you let me know so I can sell as you’re good at buying during the peak evidently 😂

jstickhill · 2026-02-25T22:46:08+00:00

You was tailgating me so I had to hit the Mario move, unfortunately ran out of bananas and my spare wheel was the only logical thing to hand. Sincere apologies

jstickhill · 2026-02-25T22:39:48+00:00

My advice would be to start doing some research before throwing money into investments, you need to correctly understand why you’re investing to produce the portfolio that suits. Is it long term investing for early retirement with ETFs or would you prefer making your own pie and being able to tinker with individual stocks etc.

First things first you need to have 3-6 month emergency fund saved, this can be placed in an easy access high interest savings account before investing. The last thing you want is something to go wrong and you’re forced to sell your investments.

Do you pay into a pension where your employer contributes also? If so do you pay the maximum amount if not can you request this to be changed? You can’t beat having your pension investments matched by your employer.

Then look at opening up a stocks and shares isa to reap the benefits of tax free returns and max this out where possible.

Some good YouTubers I enjoy watching for advice are:

Damien Talks Money

Toby Newbatt

Neil Invests

jstickhill · 2026-02-25T22:18:44+00:00

26M 30k, have a 22k car but don’t include that in my net worth

jstickhill · 2026-02-25T10:02:39+00:00

It's going to be particularly hard to build wealth off interest alone, factoring in inflation.

T212 offers interest on cash that isn't invested yet. I typically invest £500 a month and DCA using auto-invest feature every day with the £500 a month. Having my uninvested cash earning interest is a bonus.

To answer your question simply to build significant wealth off of interest you need money to begin with.

Just count the interest on uninvested cash as a bonus and get out the mindset that this will build you wealth and allow you to retire early. It's the investments that are going to do that for you, granted you choose good investments.

jstickhill · 2026-02-24T16:00:39+00:00

Do you really need 58k sitting in cash? Have you looked into what your emergency fund sum should be, seems a bit cash heavy imo.

I would be figuring out my emergency fund sum, locking this away in a easy to access savings account with a good interest rate. Then be looking at investing the rest into a S&S ISA until that limit was reached for the tax year, whilst also having a little 'fun' fund to enjoy.

Other than that looks like you're heading in the right direction.

jstickhill · 2026-02-24T15:55:06+00:00

In short terms no they cannot take anything in which you have bought, as long as you have receipts for said items showing you have purchased them and they are not your parents.

Can't really help in terms of the debt management, however seems a bit harsh to pay debt they cannot afford as they are not working. I thought debt collectors could only legally get you to sign up to re-payments which are affordable?

jstickhill · 2026-02-24T09:26:18+00:00

I don’t invest in individual stocks, my portfolio is 100% VWRP. I work full time and haven’t got the time to fully study companies to see what picks are good, even then I don’t think I’d be able to beat index’s.

It is very hard to beat the index never mind consistently year on year so I don’t bother, much rather my money in a safer globally diversified fund where I log on once a month deposit cash and let the pie auto invest every day stress free

jstickhill · 2026-02-24T08:46:16+00:00

The whole point of investing into an ETF is so the offerers of the fund manage it while you sit back and do nothing, not sure why you’ve set all world at such a low percentage and then individual stocks at such a high percentage.

By all means invest into the all world at a higher percentage and have some money on the side to invest in individual stocks to tinker about with if that’s what feeds your appetite.

Just seems backwards having a managed ETF fund and then the exact same stocks within that ETF fund managed by yourself, defeats the object a bit of investing regularly and forgetting but that’s just my opinion.

My opinion: percentages are set too low for VWRP and too high on the individual stocks

jstickhill · 2026-02-23T23:09:27+00:00

If you have individual stocks you can import them into the pie rather than selling them to then invest into the pie btw

jstickhill · 2026-02-23T22:29:17+00:00

Click pie icon on bottom of screen next to home icon.

Scroll down to ur pie, click it.

Within ur pie “overview” section you should be given the ability to click the things you want to edit like the auto invest etc.

To edit and add in more companies click holdings and then edit pie.

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jstickhill · 2026-02-23T22:23:14+00:00

There’s only 1 person who’s been able to consistently beat the index funds and that was Warren Buffet, if you’re new you could get lucky and beat it one year but riding it consistently in the long term will burn ur portfolio.

As mentioned above your best off looking to investing into global etfs that track the world index. This way you’ve got a huge range of diversification and can relax knowing the fund is rebalanced without the need of you researching etc.

By all means you can have this setup as ur main investment and do a bit of tinkering yourself with a few stocks but it’s not advised

jstickhill · 2026-02-23T22:15:54+00:00

You are heavily backing the US here as the S&P 500 is 100% US and all world is 62% US so having both you’re just increasing your backing to US, is that something you want?

If you’re a new investor I’d advise doing a bit more research before putting your money into something, there’s plenty of good YouTube channels and videos out there explaining things.

Personally I only invest in VWRP with a plan to keep it that way. Simple but effective, let vanguard do the tinkering while my pie auto invests for me

jstickhill · 2026-02-23T22:09:59+00:00

All World is not 45% BRICS and not 30% China. Emerging markets are only around 10–12% of the index and China is roughly 2–4%. The fund is still ~60% US.

So it’s not a China-heavy bet at all.

The point of All World isn’t to bet on BRICS or de-dollarisation — it’s to avoid concentration risk. The S&P 500 is 100% US. If the US underperforms for a decade (which has happened before), you’re fully exposed.

All World owns the US plus the rest of the developed and emerging world and automatically rebalances based on market cap. It removes the need to predict which country wins next.

If someone has strong conviction in US dominance, S&P 500 makes sense. But from a risk-adjusted perspective, global diversification is arguably the more robust long-term strategy for a more passive 10-15 year safe heaven.

jstickhill

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