Yes. Works great for me.
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Not only that but they seem to work as one so transfers between them don’t affect your allowance. Similarly, adding to one takes the total off both.
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Depends on how responsible you are. I’d take the ISA interest personally, as long as you’re still able to pay off the loan when required.
It’s literal free money.
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Really looking forward to this to see how I’ve actually done and how all those newbies have been doing.
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How does everyone else on T212 have their investments setup??
Mine is:
- 50% NASDAQ 100 ETF
- 25% S&P 500 ETF
- 25% Individual Stocks (Mainly High Dividend Yield & Some Big Firms)
I put something like £200 to £250 in each month.
Last year was a very good year for investing.
NASDAQ 100 was up 29% and S&P 500 was up 25%.
100% in Vanguard FTSE All World (acc) VWRP
I did previously buy individual stocks (mainly tech). I did ok on PANW (by pure luck I sold it before it dropped 25%) and bought NVidia back in 2021 when I first started investing. Nvidia has obviously done really well. However I prefer a bit of a slow and steady boring approach now.
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NASDAQ 100 doesn’t have any Financial firms in it’s index. The S&P 500 tracks the 500 biggest companies by market cap.
NASDAQ the companies are chosen carefully.
That’s good thou. VUSA is a very stable and growing ETF.
If you wanted to adventure a bit you could look at VWRL.
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I just like having exposure to both of the Index’s.
I like having big tech firms in both of them but also the S&P 500 covers finance firms and then NASDAQ covers more technical companies.
Only company i don’t like in NASDAQ is MicroStrategy
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T212 has JGGI / BNKR / CTY / SAIN investment trusts, and a bunch of UK shares in a pie. All holdings are mainly for semi-regular GBP dividend income as growth funds are held elsewhere.
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I’m going with the KISS approach for my ISA - 80% VRWP and 20% VAGP.
My GIA is using one of their Blackrock pies.
Can we talk about this, because as someone fairly new to T212 it feels counterintuitive to have new cash go in a higher proportion to slices of the pie that have been underperforming.
It feels to me like whenever I add new cash it should be against the original split and I should never rebalance?
I have 95% of mine in FWRG. I don’t want to think about my investments so very much set and forget.
I moved from VWRP as the chage is 0.15% vs 0.22% and may switch to PIWOA as that’s only 0.12%.
There are slight differences in holdings, but they’re all much of a muchness.
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Thanks I will look into that one
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It doesn’t, you get these options here. The default being the first option, but my feeling is that ‘by targets’ is the better option to be picking?
I kind of get where you’re coming from, but I also don’t feel closer to answering the question I asked.
To me for a holding to end up underweight it would need to underperform vs the rest of my portfolio. Say I had a 50/50 split. Holding A rises by 10% whilst holding B rises by 1%, holding B would end up being underweight.
Anyway that’s all besides the point. To me it feels counter-intuitive for me to come along and add new money to the pie with a greater proportion of the new money going to holding B to bring the pie back to 50/50 overall. Why would I add more money to something only rising by 1% just to achieve a balanced pie?
It feels like any new money should also go in at an equal 50/50 split and the pie overall should continue to be unbalanced?
Yeah that makes complete sense. Honestly this has helped a lot so thanks. I need to do some more thinking around my specific strategy and work out the direction I want to go in.
I’ve had T212 for a long while but I’ve only just started using it properly after the whole Vanguard thing so I’m still trying to find my feet. Now that the house buying and soon the paying for childcare era of my life is coming to an end this is something I want to focus a lot more on this year.
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There’s nothing boring about being 100% in an all-world fund mostly biased to the US. You’re massively exposed to US tech stocks despite the intention.
Any market reversal will take you down with the rest, the correlation to NQ100 is probably 0.7/0.8.
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I meant more boring than picking individual stocks myself
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Just wanted to add my thanks to you @RichardL for asking the above questions, because I was thinking the same thing just last week. Your conversation with @Sprinter1067 has answered a lot, so cheers to you both.
I’m fairly new to T212 myself and have made a pie with the aim of regular monthly ‘fire and forget’ investing. I’ve split the pie:
30% - VUSA
24% - EQQQ
24% - IITU
22% - SGLN
I’m sure there’s a lot of overlap in there but I’m really just trying to learn the ropes. I played around with individual stocks and just either obsessively checked it every day, or made some ill-timed trades.
Out of interest, I’m thinking of keeping my savings in the Cash ISA on 212 as it hands down beats Monzo, but I’m concerned about accessibility of the withdrawal isn’t instant. Anybody have any experience? Interesting to see that the ISA allowance is flexible between the Cash ISA and S&S.
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