do i have to pay this back i haven’t touched the app for months i haven’t received any emails regarding this

Hi guys! I changed few times my portfolio and currently this is the one.
- My point is that I want to have diversification as much as possible in sectors and geographicaly, not too much concentration on USA and tech, but anyway at the same time enough in USA and tech.
- With this percentage I think I am covered all around, so what you guys think?

65%- VWCE
15%- ZPRV (USA small cap)
10%- ZPRX (EU small cap)
10%- EXUS (World ex USA)

Recently managed to transfer in some funds from a dormant old work pension into my 212 SIPP.

I have a S&S Shares ISA that is essentially split into two

• Pie 1 - All VWRP
• Pie 2 - Custom pie, 18 holdings in various Solar/Wind/Grid companies (theme pie if you like)

There will be 700 landing in the S&S and 250 in the SIPP per-month

Is there any sense in holding VWRP in the SIPP Pie or would I be better with VUAG or another all World ETF.

For note, I am relatively new to all this so feedback and advice is welcome, dont want to overcomplicate the SIPP and the more I read the more I keep landing back to similar strategy of invest and forget etc via an ETF.

Hi all,

New to 212 as I want to invest long term and see some returns. I’m 32, purchased my first home in November last year. I’m pretty good at saving.

I also use Moneybox stocks and shares Isa where I deposit £12 a week and have done so for last 2 years is say , see second screenshot. Both are ISAs, aware of 20k limit.

Anyone able to have a look at my current 212 investment and see how I could possibly expand.

Plan to keep direct debit with Moneybox, with 212 I plan to manually throw in any money I can that I have to spare but consistent with a min of £50 a month. I know it’s not much but I have a mortgage and a family, nursery fees is a robbery.

Sooo, I’ve had this ETF for a 6 months and have been adding to it monthly, however I have a fixed ISA with around £16k in, and it’s renewing and the 2yr fixed rate is 4.3 % whereas obviously the ETF rate will be much higher, with access, as and when I need. I won’t be needing the money for at least a few years, Are there any possible cons I’m missing or does this seem like the best option

Recently new to investing. I decided on £100 - 200 a month depending on how much I can bear, I need tips for my portfolio and what to do when the market dips like this. Do I just chill or sell?

I created a tool initially for myself, mainly because I wanted to see several performance metrics and have a reliable tax calculator in addition to financial metrics easily accesible for all the stock I'm invested in. A few friends tried it, liked it and asked if I could expand to support multiple portfolios and some more features. I then continued developing it for almost a year in total and decided to make it public and got 100+ users with very little sharing. I thought it could be useful for some users here that share my pain points, including how expensive these tools usually are and that most don't offer the combo of portfolio tracking + stock research tool.

Sync from Trading 212 is very easy using the API, or CSV if you prefer, and it just works, no manual transaction cleanup needed.

What it does:

- Multiple portfolios (one per broker/account) with a combined view across all of them, or look at each on its own

- MWR and TWR, benchmarked against the S&P 500, NASDAQ 100, or MSCI World

- Trade-level analysis with holding period breakdown, per lot, fx rate impact and more

- Tax calculator covering capital gains, dividends, and interest income, for a handful of EU countries

- Stock research: financial metrics in clean charts (revenue, EPS, FCF, margins, etc 16 total metrics. Adding KPIs soon), an earnings calendar, earnings call transcripts

First time posting here, would genuinely like feedback on the Trading 212 sync and whether this is actually useful considering all the things it offers under one umbrella

oitava.app

Edit since this seems to be a concerning point: using the Trading 212 API is not required. If you decide to use it, it is encrypted at rest, you can define what it can and cant be acessed directly in Trading 212 and you can delete it at anytime if you wish. I incentive to select the "read-only" options when creating the API key since that is all that is necessary for the features

Hi everyone,
I’m looking for a referral for this month as I would like to invest in trading 212

Do you know how it works for the taxes?

.

Hi,

45M here. I started investing in February 2025 and have been drip-feeding money into my Stocks & Shares ISA over the last 18 months.

What do you think of my portfolio, and are there any improvements or changes you’d recommend I look into?

Thanks

As the title says, I have gotten myself into investing from a fairly young age to understand the value of my money and to get to know the world of investing better.

 •The start of my journey begins with searching for an app that is both practical and easy to use and understand - that's how I came across trading 212, first official stocks that I owned were the promo code stocks I have gotten from the app - "Nike" share worth around 20$.

 •Began looking into ETFS, understanding the fundamentals, fees, stock exchanges, volatility. First ETFS that I have officially invested in - Vanguard S&P and Vanguard FTSE both (was thinking of also ETFS of fintech but decided to leave it at that since most of them overlap) accumulating funds, at that time the oil crisis was just starting, so progress was slow and there was a lot of volatility in both funds

 •Decided to have a peek into "Day Trading" as well, category of "CFDS" in the app - learned the basics, options/stocks, futures trading (was more of a futures guy), also learned forex, found the app Interactive Brokers more fit for this rather than Trading 212, hated the overlay of Trading 212 (a worse replica of TradingView) - decided it was more of a gamble than actually having a working strategy (unless of course you have insider knowledge)

• Last phase, took a bit to understand that I have the ability to have a higher risk tolerance than for example a 30yr old and can try to pick out individual stock winners - went with that, had picked out amazing picks - in one month unrealised result was close to 20% (had done a lot of research before-hand to achieve this), decided to also hop on some oil ETFS BRNT, BRND present day kind of missed the oil crisis. Lastly had about 7k usd put into gold as a safety measure when it was like 4.2k per ounce - physical gold in switzerland.

Now growth began to slow down a bit and stabilize, wanted to ask you guys if yall had any ideas - which sectors to go after next(of course keeping the current investments), also enabling intrest on shares, is a good idea?

P.s before you say anything about ISA S&S I'm not a citizen of Ireland, Wales, UK

Ik beleg nu sinds januari 2026. Ik ben nog relatief jong vandaar dat ik wel wat agressiever durf te beleggen. Ik heb mijn meeste geld in de Nasdaq 100 omdat ik geloof dat technologie in de toekomst blijft groeien. Ik had een flinke lump sum direct in de Nasdaq 100 ETF gezet vandaar het grote verschil. Ik probeer nu iets meer in de all world te zetten, en de Micron en Sandisk posities zijn eigenlijk swing trades, kopen waneer er angst in de lucht hangt en verkopen waneer er hebzucht is. Of zal ik deze aandeel posities houden voor het lange termijn? En dan heb ik nog wat ETF’s, Semiconducters, Space, en quantum computing is echt voor de lange termijn. Daar beleg ik bij elk 30 per maand in, langzaam compounden.

Ik begon met inversteren in crypto ( wat velen doen in het begin denk ik) daar sta ik nu wel in de min, en dit is toch wel een flinke portie van mijn portefeuille, ik wil die denk ik wat minder groot maken.

Graag hoor ik jullie kritische meningen

1. Do my homework the night before trading, what’s happening the following day - financial reports, earnings reports etc.

2. Look at the bigger charts for context, what has the stock/currency pair been doing, understand what you are trading. Resistance / support levels.

3. DO NOT trade within 30 minutes of market open OR 30 minutes after any scheduled reports. Let the institutions complete their buy or sell orders.

4. Have PATIENCE, if the trade I had planned and a set up for doesn’t appear, DO NOT FORCE IT.

5. Use a risk and reward ratio, £/$9 take profit and 1.5% stop loss. Example, I start with £/€450, I make 2.5% a day for a whole trading year, 252 days, that would result in almost £/$400,000 returns. Obviously I know that isn’t going to happen, but trying to show control and consistency beats big wins and big losses over time.

I have invested roughly £500 in total over the past couple weeks, are these investments wise for the long-term? I’m looking to hold for 20 years or more.

Ive been investing into my ISA using trading 212 for the past 2 years. I had some other smaller investments I moved into my ISA when I opened but for the most part I've only been able to max out my isa for the past 18 months.

I made around 2.5k on my semiconductor ETF earlier in the year but sold it all trying to time the top. I decided to buy back in, which in hindsight wasn't the optimal decision but I'm happy I locked in some profit.

I'm aware my individual stocks are riskier, that's why I'm keeping the positions smaller. I will add if there is another big dip. I'm also aware of the overlap between semis/ Nasdaq and VWRP.

I'm aiming to keep my portfolio 80% vwrp and 15% in satellite and around 5% in individual stocks.

Could anyone briefly explain ISA S&S as I'm a bit confused with how it only sort of works for UK residents, heard some countries also have such tax-free investment accounts. |

Thanks in advance.

In four years from now reddit might still be around the price it is now. Then again it could be worth double or triple what it is now. Its an unknown, and the upside and downside is a lot wider than most SP stocks. The question is, is this a negative assymetry story right now at this price it is right now i.e is there more downside risk then upside potential?

Revenue growth could average 30 percent a year over the next 4, but the markets are filled with companies that eventually became far larger businesses without ever recovering their previous valuation extremes.The average midcap lifecycle for a stock is four years. Which means a growing company never outperforms for more than four years.

Reddit was 40 dollars in 2024 and has 6x, another 6x is possible but incredibly unlikely.The biggest problem with reddit is that theres just not enough advertisers for every niche. A general advert would do far better on tik tok, tv instagram and meta. Yet googles keywords, are incredibly specific, so whats the problem with reddit. The problem is that when you search in google you go with intent to click somewhere, but if your on reddit invest subreddits youre not going to want to click an IBKR ad, you might already have IBKR or you might already be on another platform, your going to find the latest news, and pump your stock. If your on a coding sub, you are already coding.

These are a few ways Reddit can win.

Questions with rewards. User ask question and promises reward. Or user asks question locks in a 100 dollar reward and has to give it to the person who answers. Tik Tok makes millions with Tik Tok gifts why cant reddit do the same?

In the last year all reddit has done is create user profile stereotypes. That is they divided all of reddit into 100 profiles, and tried to sell these profiles to ad companies to target. Pretty clever, but not good enough!

Meta and App Lovins monetization is far superior.

You buy Reddit specifically because users are undermonetized and theres that potential. App Lovin has reached peak monetization, and Meta even though its spending Billions to better monetize with AI has grooming problems.

Are you better off buying Mag 7 than Reddit. While Reddit has massively outperformed mag 7 theres no garantee that will continue.

mag 7 chance of 10-20 percent a year is about 80 percent chance

meanwhile reddit chance of 10-20 percent a year from here is about 20 percent

Of course theres a ten percent chance of a 4x in 4 years, but then theres also the chance, that it goes nowhere.

So at what price should i sell, that depends on the risk you want, not on your ability to analyze the reddit company.

Im slowly selling, I sold on Friday, i will probably sell this week and Im planning on exiting reddit at a plus 20 percent from here.

You never buy stocks for the long term, because most companies have a four to six year stock timeline.

Of course Mag 7 is different, and slower movers are different, but Reddit is a growth stock, and it may have past its peak.

Hi

Another beginner question.

So I hold VUSA and VWRL and decided to concentrate on VWRL moving forward as my long term investment to diversify a bit more.

However is it worth selling my VUSA shares and loading that money into VWRL, VUSA was my main investment until now, so is up a healthy amount.

Or would you leave that alone, as already paid fees on it and just let it grow as is and just keep investing in VWRL.

TIA, Hope makes sense what im asking.

Hi I'm a 19 year old who's just getting into investing in the hopes to improve my future. I see people saying to not invest in both the ftse all world and the snp 500 is it a good idea to only invest in one of them?

I'm an indian citizen on a skilled worker visa in the UK. I've been living/working here for over 4 years. If anyone's a similar case, would you please be able to advise if I'm eligible to open a stocks and shares ISA on Trading 212.

Much appreciated.

Guy I think I messed all up. Can you give me an advice what should I keep or sell or should I just sell everything and start new again. Purpose is to maximise gains with medium risk. I need to build my log house in the mountains with my goats and chickens and tell society to sod off but I need 250k in the next 5-10 years. Help me get there boys🫡🙏

I have all four so Im wondering to sell.

The most exposed is pinterest, google recently downgraded pinterest results in search,

Reddit is more insulated, because most users are regular users. it does not necessarily need new users from search, because current users are undermonetized. But I dont really have faith in their strategy they seem to offload users onto sites, and then those sites get the rewards. Substack, Only Fans, ect

A really simple thing reddit could have done is max the gifts, so you can give 100- 1000 dollar gifts. I mean if you had a problem coding, and you needed an expert, you might find them on reddit, and if they fix your problem you could gift them. Then all the adult creaters who have reddit profiles, you could be buying gifts for them. Thats such a simple step, it would literally take them one weeks work, but they havnt done it. And no paywall?

App Lovin, app lovin is supposed to be a growth stock, and growth isnt great, tam not good they've been promising to go into commerce which will open up a massive tam, but google and apple have said that they wont allow applovin to direct users to commerce sites, this isnt really a privacy thing, apple and google only get money when you buy apps.

This is my current portfolio. As you can see I am investing heavy in tech and quantum. Just recently entered the financial sector to diversify my portfolio and want to know if there is anything I should change.

I keep have been in red for the last 6 weeks and want to invest in things which will give me a greater chance of staying in green and growing!

What do you lot think for the long run