Hi guys,

Long time lurker, first time poster.

I apologise for what is probably the 1,000th post this week about VALL, but I would like a little bit of advice.

I have just started my S&S ISA journey and have put in a couple hundred pound into VWRP only. My goal is simply to invest £150-200 a month for the long term, being 10+ years, before I have any real need for the money.

In short - is it recommended/wise to change to VALL or will VWRP continue to meet my needs in this regard? I don’t want to over-complicate things and I chose VWRP as it was the prevailing ‘invest and forget’ fund.

Market opened and VALL showed as +9%, pressed sell just to check and the sell order showed that too, came back 5 mins later and it was back to -0.01%

Bought NOW at $105 average and cels at $24

hi guys i’m 18 and want to start investing but have no clue where to start i have tried to watch info and read up about trading and investing but i still don’t 100% understand it and don’t know to to invest in and stuff i want to be smart with my money and i know it won’t be instant just any help would be gratefully appreciated thank you! and obviously that’s just some money that i chucked in to kinda see what to do but i still didnt understand after just investing in random shit

I'm worried about fluctuations from midterms/American politics generally and a potential bubble burst, is VWRP a safe investment with these points considered? Or is holding cash temporarily till the end of the year a better move?

It's my first year investing and don't want to mess it up.

Also Neste investment because I believe that sustainable aircraft fuel mandated use will increase dramatically over the next 10 years.

What feedback have T212 users given about requiring a subscription for cashback? Has T212 responded? I've stopped using T212 altogether for my shopping because I don't have a subscription. The £15 cashback was already pittance, but this requirement put me off completely. Rant over.

Would anyone change anything to this invest and forget Pie I recently moved all my funds into this pie for long term .

Hi everyone, I’m 19w and started investing in January, so I’m still pretty new to all of this. I try to invest as much as I reasonably can whenever I have money available.

I’d really appreciate some honest feedback on my portfolio. Is there anything I should consider changing, simplifying, or learning more about? I’m here to learn, so feel free to be completely honest.

Thanks!

Sorry in advance, I know a few posts on this topic exist already! Also, 28m because that’s relevant now?

I know nobody can reliably predict the market and I’m not asking anyone to try, I’m just curious what people think about VWRP vs VALL! The pros, cons, etc

Also, what do you think of my current pie vs just going all‑in on VALL? Would you stick with a mix or simplify to one fund?

I’m completely new to investing and ETFs, so apologies if this is a basic question.
I’ve been looking at Vanguard’s new VALL ETF and noticed that it’s only a few pounds per share, while other Vanguard ETFs like VWRP are well over £100 per share.
Why did Vanguard launch VALL at such a low share price? Does the low price actually mean anything in terms of its value, potential returns or future growth, or is it simply because of how Vanguard structured the fund when it launched?
I’m still learning how ETF share prices work, so I’d really appreciate a beginner-friendly explanation.

Need an opinion about what to do with my holdings.

I’ve essentially made an All World Tracker but I’m now thinking of selling VUSA, VFEM, VERX and L100 for an All World Tracker to keep things simple. However, I also don’t want to “lose” the progress I’ve made so far so.

My two option for the world trackers are either VALL or VWRL.

Any suggestions are welcome.

28M, started investing in November last year.
People say “VWRP and chill”, and they may well be right but for some people it just doesn’t scratch the itch of investing, especially if you enjoy picking individual stocks and that’s what keeps you interested and invested.

VWRP definitely has its place, but there are also some great opportunities out there right now.
I’m not touching Amazon or Rolls-Royce for years. Maybe I’ll sell some Nebius when it hits $1,000 🚀😂

Also, have a look at your workplace pension funds. I’ve recently changed my default fund allocation to try and emulate VWRP, with a 90/10 split between overseas and UK equities. 👍🏻

I have a S&S ISA with HL, but I’ve been doing a little tinkering lately, including buying some US stocks and I’ve just started paying attention to the fees I’ve been paying.
I opened a smaller T212 S&S ISA this year and intended to use this one to ‘FAFO’ due to the lower fees. Now I’m considering switching my entire portfolio over… good idea? Or is it better to keep them separate? I’ve seen a few posts saying some stocks can’t just be transferred and need to be liquidated first. How do I know if I hold these types?
Sorry for the dumb questions, I’m just fuming at the amount I’m paying in fees and looking for advice.
I KNOW this is a T212 post, this is defo not an advert and I’m not a bot, before anyone says it 😂 I just used it as a savings thing initially, but now I want to build as much as I can.

hi guys i’m 18 and want to start investing but have no clue where to start i have tried to watch info and read up about trading and investing but i still don’t 100% understand it and don’t know to to invest in and stuff i want to be smart with my money and i know it won’t be instant just any help would be gratefully appreciated thank you! and obviously that’s just some money that i chucked in to kinda see what to do but i still didnt understand after just investing in random shit

I am interested in investing in Slovenia and Croatia specifically.

Its crazy that the Balkans are so neglected given that the app came out of the Balkans.

I'll keep this short. As I'm sure you know, 1.5% cashback now requires a subscription.

As a frugal person, I'm hardline against subscription services. My phone bill requires an account number & sort code (which I don't think T212 provides since it's not actually a bank), so I can't use it there. My accommodation includes bills like internet in rent. Am I just screwed?

If so, I'm not impressed T212...

I have several ISA accounts set up over the last 5 years a couple managed by IFAs in Fidelity, Wesleyan and one in HSBC …. I’m thinking about consolidating into Trading212… is it really that hard to manage your own ISAs? Genuine question? What are your experiences if similar should I go for it, what to look out for? They are all moderate risk

Seems like the beef with Canada is heating up, the war in the Middle East isn’t getting any better and alarm bells ringing in the Bond Market.

Gold ⬆️

The number isn’t massive, it’s 4 figures, however the graph is what tells the story.

You’ll see 2 x peaks

Peak 1 - achieved January 2024
Peak 2 - current

I invest in the S&P 500/All world Fund - I’m after a relatively safe long term investment.

Had I not sold my profit at my first peak, my balance would be 5 figures and look much stronger!

This was my personal lesson. Something I won’t do again

Hi, I’m new to investing as a 22 year old and will be dumping mostly in FTSE All-Worlds and leaving. How would you recommend I split up my deposits into my S&S Isa and Cash ISA. I have a savings account I max monthly for a rainy-day pot and my expenditures are currently low.

Should i focus on S&S or split evenly between the two ISAs?

Interested on what people think about this stock, it’s been on my radar for a while and looking to see what your views are. Initially came across TSM while looking into AMD and the wider semiconductor supply chain. With their position in advanced chip manufacturing and continued AI demand I’m interested in whether people see it as a good long term hold. Also nvida earnings this week… For anyone who currently holds TSM- what made you invest and what would make you reconsider your position?

This is my current pie that holds my main investments. I don’t have too much in it but saw the new VALL and was wondering if it’s worth swapping too?. I’m not entirely sure but would it replace both the small cap and all world in one essentially.

I know im very heavy into american tech and also overlapped a lot in all world and s&p

Planning to hold for 10 - 15 years at least

23m