T212 Stock ISA

RDB1

I’m looking to start a Trading 212 Stock ISA I’m going to start off investing £100 a month. Would anyone be able to give some advice as to what to invest in? 

Voyager2002

Everyone has their own pet theory about what sort of stocks will do well in the future but nobody knows. If you have your own pet theory then fee l free to back it: as an example you could search for the posts from Brockstoker about the Biotechnology sector. Otherwise, decide how much you are willing to risk and put that into a global tracker, so that you will own a tiny bit of everything, and so are likely to come out with a profit no matter who is right.

Don't forget about Bonds, which are traditionally seen as lower-risk than shares in companies.

Flugelhorn

I have done similar - put £250 (one off) - spotted a few "pies" that sounded interesting, copied those and now have tiny bits of lots of companies. I am just interested in learning about the process not major investment. One week in and I am £1.89 up (having gone down £10 last week). 

Maybe when I learn more I'll put more in but not yet - as mentioned above it is all about how much risk you are prepared to accept 

InvesterJones

RDB1 said:

I’m looking to start a Trading 212 Stock ISA I’m going to start off investing £100 a month. Would anyone be able to give some advice as to what to invest in? 

Advice should take into account your personal circumstances and is a regulated activity (i.e. it's illegal for unqualified people to give it).

But we can offer guidance. What is your investment timescale? How comfortable are you with the thought of losing 40% of your money? Do you have other funds that can tie you over in an emergency?

Unless you've years of experience and learnings it's best to avoid single stocks.

RDB1

InvesterJones said:

RDB1 said:

I’m looking to start a Trading 212 Stock ISA I’m going to start off investing £100 a month. Would anyone be able to give some advice as to what to invest in? 

Advice should take into account your personal circumstances and is a regulated activity (i.e. it's illegal for unqualified people to give it).

But we can offer guidance. What is your investment timescale? How comfortable are you with the thought of losing 40% of your money? Do you have other funds that can tie you over in an emergency?

Unless you've years of experience and learnings it's best to avoid single stocks.

Invest timescale is 10 years or more. I am okay with losing money as it’s part of using stocks and shares. I have other funds available. But any guidance would be appreciated. 

Albermarle

RDB1 said:

InvesterJones said:

RDB1 said:

I’m looking to start a Trading 212 Stock ISA I’m going to start off investing £100 a month. Would anyone be able to give some advice as to what to invest in? 

Advice should take into account your personal circumstances and is a regulated activity (i.e. it's illegal for unqualified people to give it).

But we can offer guidance. What is your investment timescale? How comfortable are you with the thought of losing 40% of your money? Do you have other funds that can tie you over in an emergency?

Unless you've years of experience and learnings it's best to avoid single stocks.

Invest timescale is 10 years or more. I am okay with losing money as it’s part of using stocks and shares. I have other funds available. But any guidance would be appreciated. 

Any money being invested for a retirement fund ( you do not say your age) is best done via a pension due to the tax benefits.
Otherwise if you read through the forum, and particularly the ISA sub forum ISAs & tax-free savings — MoneySavingExpert Forum, you will many similar threads and questions which should help to guide you.

InvesterJones

RDB1 said:

InvesterJones said:

RDB1 said:

I’m looking to start a Trading 212 Stock ISA I’m going to start off investing £100 a month. Would anyone be able to give some advice as to what to invest in? 

Advice should take into account your personal circumstances and is a regulated activity (i.e. it's illegal for unqualified people to give it).

But we can offer guidance. What is your investment timescale? How comfortable are you with the thought of losing 40% of your money? Do you have other funds that can tie you over in an emergency?

Unless you've years of experience and learnings it's best to avoid single stocks.

Invest timescale is 10 years or more. I am okay with losing money as it’s part of using stocks and shares. I have other funds available. But any guidance would be appreciated. 

OK cool. As previous post - assuming you've already decided on an ISA over pension (because you're already on track for pension, say) and you're definitely comfortable with the volatility of 100% equities (which a 10+yr timeframe would help with) then a usual starting point is a global index tracker - these are cheap, and if you go with a market cap weighted index they bake in the consensus of all investors as to what the appropriate price for the expected return will be. Any tilt away from that is kind of saying you think the world has priced things wrong and you know something they don't, so you need to have a good reason not to take the advantages of such an index tracker.

If you do go for one,then the decisions come down to which particular global index to follow and whether to stick to developed markets or whether to include emerging markets. I believe your platform only allows ETFs, so there's a great website justETF.com which allows you to pick an index and find all the ETFs available which track it.

RDB1

Thanks for the advice. I’m 39. I’ve a workplace pension and also a private pension. Plus a saving account. I’ll look at the EFTs Vanguard Acc looks to be popular and FTSE all world. I’ve put £10 just to start the account. I’ll then probably do a weekly or monthly payments. 

Beddie

A simple world tracker seems a good place to start. This is just one example, you have plenty of choice - as mentioned above, justETF.com is a great site for research.

https://www.trading212.com/trading-instruments/invest/FWRG.GB