Any help with trading 212 or link to an idiots guide...??

[m4rky1985]

Hello,

I recently took advantage of the £40 bonus when you invest £1 as advertised on the MSE website.

I don't want to invest too much as I don't have a clue what I'm doing for one and can't afford to lose a chunk of money. However fancy having a little dabble but I've been looking through and cannot work it out at all.

I've watched a few youtube videos but still a little lost.

I just want to invest - £100 for example in one of those pie things and leave it there for a while. I know thats a very small amount and I fully accept its not going to make me any money - if any but just want to have a little play for now.

Thanks for any help.

Watching with interest

Me too

Me three!
Can any do us a Noddy's guide to starting off with investing small amounts, please?
I really want to do this (but already feel I've left it too late) but just don't know where to start! I want to open a stocks & shares ISA (before the end of this financial year) and add just £25-50 per month to it. I'm at the point of considering looking for a financial adviser but feel it will cost me more in fees!
Can anyone help/advise, please?
Thank you.

You just have to pick a pie for example I have briscofull. Put your £100 in and it distributes it automatically to each instrument based on its percentage of the pie. It will buy the stocks for yu when the market opens.

Also some pies are good for growth and some give daily dividends. You can read the comments. Pies also ask you if you want to rebalance. Which means it might buy and sell the instruments for you to rebalance it.

When starting out I went with a low cost global index fund like HSBC FTSE All World Index.

Your rate of return will be broadly similar as global markets minus the small fee for the fund (that HSBC fund is 0.13%).
It's nothing super exciting, but will get you in to investing.

Damien talks money on youtube has an idiots guide to setting up a trading 212 account.

I think this is the best advice. There's a range of All World ETFs on T212. You can check the management charge for each one by downloading the info sheet for each individual fund - should be well under 0.5% for a tracker fund. You want the accumulating version (Acc).

Don't both with gimmicks like a Daily Dividend pie.

If you don’t have a house -> LISA
If you do -> ISA

Need the money accessible -> Cash
Long term -> Stocks & Shares

If you’re investing then just pick All-World. It tracks the world, you aren’t betting on a specific place or a specific company.

Please look for the rebel donegans. They have a teams video finance school starting soon that explains all the how's and why's of investment and best of all, it's free.
I believe they are starting the next course in June but they have loads of information online.

I work in asset management and I invest my money mostly in index funds, with a few interesting active funds mixed in. Just in my ISA on the fidelity website. I expect to stay invested in each product for at least 3 years before even considering changing. Index methodology can be quite interesting, lots of options on equal weight, market cap weighted, concentrated, Esg etc. I avoid checking more than every quarter, otherwise you just end up buying into volatility which tends to erode returns. For savings amounts that I might need shorter term access to, I buy premium bonds, which deliver a reasonable return.

Following with interest.
what did you end up doing?

I ended up investing in a couple of pre made 'pies' - I've got £200 invested so far as I'm a little hesitant to put much in with my very limited knowledge.

I'm about £6 in profit at the moment - will put another £100 in tomorrow, when I get paid and just keep doing that for now. Its been all over the shop with the stuff going on with Trump!

I’ve invested £10 and made my own pie.
I think I’ve decided I’m too anxious to put my whole £20k allowance into it.

I’ve invested £10 and made my own pie.
I think I’ve decided I’m too anxious to put my whole £20k allowance into it.

I opened an account just before Trump went crazy with the tariffs. I've only put £100 in a UK fund and £50 in a USA one & it's been interesting watching them both bob up & down like crazy. It feels like gambling 😆

I started with Trading 212 but got confused by some of the features too. What helped me was going through pages like https://axiomtrade.xyz/how-to-use-axiom-exchange-best-trading-platform-for-memecoins/ because it breaks things down in a really simple way. It made things like limit orders and stop losses make more sense, especially if you’re into meme coins or trying to understand how different trades work without all the jargon.

Can I ask with the vanguard pre made pie what are the fees and charges? It isn’t clear to me?

is there still a £40 deal or anything similar to the MSE offer?

With the cash ISA at 4.85% would you expect to make more than that in the stocks isa?

I now have £60 in my pie which is now £68.25p. I made my own pie - started in April. Think I'm going to put £1000 in it and see what happens.

I started with a small amount with a growth and dividend strategy. I am now gaining over 10 percent growth and dividend reinvestment yearly. It is easy to use and although there is potential to lose. The new ai features and managed pies make it easy to start investing. Highly recommended. You can use my invite code for free shares, minimal investment.
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No one seems mention their timeframe or objectives for actually investing. If you are investing over a period of months then it is effectively gambling. True, tariffs or whatever else won't matter if you are investing for 10+ years and are appropriately diversified.

Just because something is in a pie doesnt mean it is right for you.

Since starting this thread I've put £2000 in to a stocks and shares ISA - I've then put that in to some pre-made pies which in hindsight seems the best option!

I've also stuck some single/part shares in the BIG names like NVIDIA / Tesla etc.

I then went a bit mad and used some of that money to buy shares in some companies whose prices have plummeted on the hope they'd bounce back....unfortunately these haven't worked out too well so far...

One company I stuck £150 in has gone bankrupt and so these are now worth £46 as we speak - I'm not quite sure what will happen with them but just leaving them for now but certainly don't think I'll come off good on this one.

I did the same with another company which bounced back and I could have made £300 if I'd sold them but then they plummeted again and currently - £175 on what I bought them for. I've still got a glimmer of hope with this company that it'll eventually bounce back but only time will tell.

I know a lot of people advise buying some S&S and then just leaving it for several years but I have a look everyday to see whats going on!! I'll keep adding a bit more money each month and hopefully it'll work out eventually!

It's really easy to get overexcited when you can see you're making, money, and lull yourself into thinking that whatever you invest in will be brilliant.

I trade in a couple of places, but on Trading212 I tend to stick to Vanguard S&P 500 (I'm around 18% up currently) as it's easier.

Also, just because the price is down doesn't mean you have to sell... Don't panic and do a bit of research, things often bounce back...trading often gives better returns in the long term than the short term.

i use nexo and invest in stable coins earning 12% annually. I put in £4k originally and now have £5,100. You just invest and leave it - I use 3 month fixed terms. It’s easy enough to withdraw money from but obviously there is an element of risk involved.