Itās the one I saw people recommending the most so went for it. I donāt like how cluttered it feels though.
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They did acknowledge that the most recent update wasnāt the best, and will be rolling it back sometime this month.
So just hang in there!
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I really like the new layout, but Iāve seen plenty of vitriol about the change online.
InvestEngine is good also but you can only invest in ETFs, not individual shares.
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Can anyone kindly help me out with understanding how 212 calculates returns on pies? On the overview portfolio screen, one of my pies is showing green, with a positive return. When I tap into that pie however, the return is negative and in red at the top of that pieās overview screen.
You can tap the āTotal Returnā part and it gives a pop-up explaining how they calculate the returns, which I am finding about as clear as mud. Can anyone explain it to me as if Iām a child? 
Iām almost certain Iāll be going for T212, once the ChipX trial runs out on Chip. But then then ETFās I have with them are performing well and the superstitious part of me thinks why upset the apple cart?
A few of the guys in the office have a couple of accounts for investments. One guy says he has a S&S ISA with AJ Bell which he says is his long term one and then one with T212 because they allow withdrawal quicker. My plan this year is to be investing 1-200 a month into my S&S ISA and then the rest into EA savings. So tbh I donāt see the point in having multiple S&S ISAās.
Iād like to start investing but think itās wise paying off my debt first.
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Iāve my SIPP with AJ Bell and the ISA with T212. For SIPPs I donāt think AJ Bell can be beaten as their offer is so complete.
As far as I know heās not got a SIPP as he wants to be able to access the money if he needs it.
Thing I donāt like about AJ Bell is that their portfolio performance shows the performance as if youād always held the shares that you currently hold. So, what Iāve done is create a mini replica of the SIPP in a T212 pie and that shows the actual performance that Iāve had.
Yeah this is my annoyance with Chip. It shows the performance over the year not the point at which you invested in the ETF. Interesting that T212 shows this, maybe Iāll open a new S&S ISA with T212 after all.
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It is handy for that. Actually, also very useful is the comparison with the āwhat might have beenā figures from AJ Bell with what the performance really was as shown by T212. Iāve found that itās improved my performance somewhat since I started comparing.
You need to look at the timeframes. Under the graph is the time range by which everything is measured.
You can have a timeframe for all your pies and different one per individual pie. It remembers what you last used for each of them.
Iāve picked my own funds for some and used a ready made portfolio for others. I find it easy enough to use for what Iām after.
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Thanks for the reply, I donāt think I explained it well, as it seems to be a discrepancy across the two screens that are showing different returns and performance percentageā¦ even with the same time range selected. I think itās to do with importing/exporting previous investments into the pie, which confuses the data and net deposits.
Iāve solved it for now by creating a new pie and reinvesting, seems to have refreshed the data.
Wasnāt sure if I was just being stupid!
Can we just talk about this for a second? Why is this doing what itās doing?
Whilst everyone was talking about gold last year I was quietly putting a bit into silver and itās skyrocketed.
Basically China and India are buying loads of it as its needed for solar panel production apparently.
Thing is early on in the year I was reading that Silver was poised to skyrocket but I still didnāt bother with it. Now I regret it as it has massively shot up Iām still thinking about dropping a few hundred pounds on Silver and seeing what happens this year to it. Although my reading tells me that Silver is more volatile than Gold. I guess Gold will also be increasingly popular as a safe haven investment now that the world is an ever increasing quagmireā¦ 
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I can see why people buy Gold and Silver but Iāve generally avoided it.
Sure you can make money if you time the market or purchased some when prices were low. It doesnāt accumulate like shares can over time. The amount you own stays the same, just the price shifts.
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A lot of the metals are moving. Silver and Platinum but others too.
The amount of shares you own stays the same too. You donāt get more unless you buy more, just like metals. Whatās different is that you donāt get dividends.
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So taken the plunge with T212 signed up with MSEās free shares offerā¦ itās definitely going to take a bit of learning compared to Chip. But at least from using Chip and doing a bit of reading over the last year feeling a bit less ārabbit in the headlightsā than I would have a year agoā¦
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There are lots of guides on YouTube and some others on here use T212 so can input and help with advice on the app.
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