S&S ISA

SavingStudent1

Hi guys,

I was just wondering what is the difference between Vanguard and Trading212 platforms for S&S ISA?

I know that Vanguard only do funds and ETFs. Although I know nothing about how stocks and shares work, I would like to invest in them in the future on an individual basis. So, can I invest in all the funds/ETFs that are available through Vanguard, on Trading212? I sort of want to invest in individual stocks and shares, and possibly some of the Vanguard products. It'd be nice if I was able to do both.

If I open an account with Vanguard and I've invested for 2 years and I now want to move to Trading212 for the above reasons, do I have to sell my funds/ETFs or can I transfer the value of my S&S ISA onto Trading212 and keep all the products in there?

E.g. if I have 500 units of X and 250 units of Y, do I have to sell them and re-buy on Trading212 or can they be transferred?

Thanks!

MX5huggy

Vanguard only offer Vanguard funds and ETF’s 

Vanguard charge 0.15% T212 0.7% once you have £2000 or more. Because of this I see no reason to transfer VG funds to T212 although you should be able to it’s call an in specie transfer. 

Forget investing in individual stocks unless you enjoy it as a hobby. Make regular investments in mainstream funds, Vanguard index funds being all you really need. 

Albermarle

I know that Vanguard only do funds and ETFs. Although I know nothing about how stocks and shares work, I would like to invest in them in the future on an individual basis. So, can I invest in all the funds/ETFs that are available through Vanguard, on Trading212? I sort of want to invest in individual stocks and shares, and possibly some of the Vanguard products. It'd be nice if I was able to do both

Some contradictory info here. 

Although I know nothing about how stocks and shares work - I know that Vanguard only do funds and ETFs.

The majority of the general public have never even heard of an ETF, so you know more than you think.

Also despite knowing nothing, you have to decided you want to invest in individual shares, which is much higher risk and needs a higher level of knowledge to do properly,  than investing in funds for example.

Again despite knowing nothing you have decided a mix of shares, funds and ETF's would be a good idea.

Just seems that you have already decided on an investment strategy, despite apparently having no knowledge of the area?

Exodi

Personally, I think the Vanguard S&S ISA is unrivalled in the current market if you want to make broad fund investments.

If you want the experience of punting money into individual shares, you can streamline the experience by visiting your local casino.

SavingStudent1

MX5huggy said:

Vanguard only offer Vanguard funds and ETF’s 

Vanguard charge 0.15% T212 0.7% once you have £2000 or more. Because of this I see no reason to transfer VG funds to T212 although you should be able to it’s call an in specie transfer. 

Forget investing in individual stocks unless you enjoy it as a hobby. Make regular investments in mainstream funds, Vanguard index funds being all you really need. 

Thanks, yes, I noticed this charge is on top of the ongoing charge of maintaining the actual fund. Although, I always wondered how hard it is to beat inflation if you invest in only funds?

Simply because the rate of returns may be 10% for some funds, but that is on a yearly basis. If I bought in Aug 2021, the price has gone up by 10%, but I'll have probably bought quarterly in the year, making 4 payments. So, the first one will get a 10% return, but depending on the prices at the other times, they may get more/less return. It is tricky to sort of win in all ways, but I hope you get my point.

SavingStudent1

Albermarle said:

I know that Vanguard only do funds and ETFs. Although I know nothing about how stocks and shares work, I would like to invest in them in the future on an individual basis. So, can I invest in all the funds/ETFs that are available through Vanguard, on Trading212? I sort of want to invest in individual stocks and shares, and possibly some of the Vanguard products. It'd be nice if I was able to do both

Some contradictory info here. 

Although I know nothing about how stocks and shares work - I know that Vanguard only do funds and ETFs.

The majority of the general public have never even heard of an ETF, so you know more than you think.

Also despite knowing nothing, you have to decided you want to invest in individual shares, which is much higher risk and needs a higher level of knowledge to do properly,  than investing in funds for example.

Again despite knowing nothing you have decided a mix of shares, funds and ETF's would be a good idea.

Just seems that you have already decided on an investment strategy, despite apparently having no knowledge of the area?

Well, I was planning to invest in individual shares in the future, once I gain more knowledge and this would be much later than after my first investment - at least a year.

Would it be bad to mix funds and ETFs? Should I only stick to one if I open Vanguard? I know ETFs is mostly a starting point.

SavingStudent1

Exodi said:

Personally, I think the Vanguard S&S ISA is unrivalled in the current market if you want to make broad fund investments.

If you want the experience of punting money into individual shares, you can streamline the experience by visiting your local casino.

Haha, thanks - I agree!

wmb194

Exodi said:

If you want the experience of punting money into individual shares, you can streamline the experience by visiting your local casino.

Well, this really comes down to what you invest in.

wmb194

SavingStudent1 said:

Hi guys,

I was just wondering what is the difference between Vanguard and Trading212 platforms for S&S ISA?

I know that Vanguard only do funds and ETFs. Although I know nothing about how stocks and shares work, I would like to invest in them in the future on an individual basis. So, can I invest in all the funds/ETFs that are available through Vanguard, on Trading212? I sort of want to invest in individual stocks and shares, and possibly some of the Vanguard products. It'd be nice if I was able to do both.

If I open an account with Vanguard and I've invested for 2 years and I now want to move to Trading212 for the above reasons, do I have to sell my funds/ETFs or can I transfer the value of my S&S ISA onto Trading212 and keep all the products in there?

E.g. if I have 500 units of X and 250 units of Y, do I have to sell them and re-buy on Trading212 or can they be transferred?

Thanks!

Why T212 and not, say, Freetrade? I haven't been impressed with T212 e.g., its janky UI, slow execution and slow payment of dividends. Anyway, T212 isn't opening new accounts at the moment, perhaps in a year...

If you invest in the Vanguard ETFs that T212, Freetrade or another broker offers then you should be able to transfer them in specie. T212 and Freetrade don't offer OEICS at the moment so you wouldn't be able to transfer these in specie, you'd need to sell them and transfer the Isa in cash. On the other hand, you could just use multiple brokers.

grumiofoundation

SavingStudent1 said:

MX5huggy said:

Vanguard only offer Vanguard funds and ETF’s 

Vanguard charge 0.15% T212 0.7% once you have £2000 or more. Because of this I see no reason to transfer VG funds to T212 although you should be able to it’s call an in specie transfer. 

Forget investing in individual stocks unless you enjoy it as a hobby. Make regular investments in mainstream funds, Vanguard index funds being all you really need. 

Thanks, yes, I noticed this charge is on top of the ongoing charge of maintaining the actual fund. Although, I always wondered how hard it is to beat inflation if you invest in only funds?

Simply because the rate of returns may be 10% for some funds, but that is on a yearly basis. If I bought in Aug 2021, the price has gone up by 10%, but I'll have probably bought quarterly in the year, making 4 payments. So, the first one will get a 10% return, but depending on the prices at the other times, they may get more/less return. It is tricky to sort of win in all ways, but I hope you get my point.

That’s not how investment returns work. 

Funds do not consistently go up by 10% a year and therefore the years return is not used up if the fund has gone up by 10% already and similarly if it has dropped 10% doesn’t guarantee a short term 20% gain. 

Funds are not all the same, and this will not all return the same - they encompass various investments from a passive app-world tracker to specialised investments in small sectors.

If investing for the long term (10+ years, ideally longer) and drip feeding money in (e.g. monthly) short term rises/falls will not have a noticeable impact on the final amount of money. 

Is your aim in investing in individual stocks to try and beat the return of a passive tracker? 

Albermarle

SavingStudent1 said:

MX5huggy said:

Vanguard only offer Vanguard funds and ETF’s 

Vanguard charge 0.15% T212 0.7% once you have £2000 or more. Because of this I see no reason to transfer VG funds to T212 although you should be able to it’s call an in specie transfer. 

Forget investing in individual stocks unless you enjoy it as a hobby. Make regular investments in mainstream funds, Vanguard index funds being all you really need. 

Thanks, yes, I noticed this charge is on top of the ongoing charge of maintaining the actual fund. Although, I always wondered how hard it is to beat inflation if you invest in only funds?

Simply because the rate of returns may be 10% for some funds, but that is on a yearly basis. If I bought in Aug 2021, the price has gone up by 10%, but I'll have probably bought quarterly in the year, making 4 payments. So, the first one will get a 10% return, but depending on the prices at the other times, they may get more/less return. It is tricky to sort of win in all ways, but I hope you get my point.

There are no guarantees with investing . It is quite possible that you could invest today and in 5 years time still be showing a loss.
The historical statistics show that the longer you leave an investment the lower the chance of loss, and the more the chance of a gain. However these are all averages and you could be lucky and hit a good period or unlucky and hit a bad period.
This is not to put you off investing but you have to be willing to accept some possibility of losing money in the short to medium term ( means < 10 years approx ) 
This graph shows the % chances of a loss over time, based on historical results  and based on investing in equities only.

Long-term investing: Increasing your chances of positive returns (nutmeg.com)