My apologies for any poor etiquette on my part! I’ve just followed your link, but I think that post has been locked due to inactivity?
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No worries, it’s quite hidden away to be honest 
If you look at the very bottom of the original post, is there an ‘Edit’ option for you? I can still edit/add links
So does anyone use T212 for S&S ISA? Currently using Vanguard but I’d be interested in jumping ship.
I am using it. It’s ok. They only allow cash transfers in and out. And the range of investments is different. I.e. ETFs from Vanguard and others are available, plus stocks. But not mutual funds.
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To be fair I’d only really use it to invest in Vanguard ETFs anyway, I just wish Vanguard had a nice app so I don’t have to use the website.
Would you recommend switching to T212 for that alone?
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I’d compare them more broadly if you’re wanting to. I use T212 for S&S ISA exclusively, but as part of it, use the Pies features to track various other pies, as well as investing directly in other things. I have a dividend pie that I put £100 into every month & other things I invest in monthly.
T212 is pretty good, and I’d probably still use it even if other options were around - as I cba moving stuff around.
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Vanguard ISA pays interest on cash (3.1% right now), is flexible (can withdraw and redeposit money), allows direct debit regular investing.
Trading212 has sometimes more ETF variants that are divided reinvesting, or one put income ETF into a Pie to automatically reinvest dividends.
Both have portfolio performance tracking - vanguard is accurate, trading212 misscalculates things a bit.
If the unique vanguard features are a deal-breaker don’t switch.
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I assume you can invest in single stocks rather than just funds like Vanguard? Not sure it’s worth the effort even though the app looks really nice.
Yeah there’s about 12000 individual stocks you can invest in (about 8500 are categorised)
100s of ETFs too.
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Ahh nice, so I can buy Apple stock in my S&S ISA for example?
Can I open a general account or do I have to open a specific account? Like on Freetrade you can open a GIA then go in and open ISA etc after. Also is there any fee signing up?
Trying to figure out if I can open an account now then open the ISA in April or if I need to just wait until April.
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For S&S ISA T212 is the way to go. From now on, I would consider using other brokers only if they have the Pie feature - it’s a dealbreaker for anyone serious about investing for the long term.
You can also have GIA with them if you want or if you exceed the £20,000 ISA deposit limit for the year.
As for Vanguard - I was a huge fan of Jack Bogle and the company as a whole. Unfortunately, they are not fit for post-2020 era as an investing platform (just my opinion). I would still use them for other types of accounts like SIPP.
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I just put my money in VWRP in T212
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Could you expand a bit on this? I’d be keen to understand why you think that, and what happened in 2020 (the pandemic?) to make Vanguard no longer fit for purpose.
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Expect it to be rather volatile this year - It tracks the FTSE All-World Index, which is heavily weighted (over half) towards US stocks. In the long run (many years), you probably can’t do much better.
Whatever people think of Vanguard, VWRP is a simple tracker, so you can’t go too far wrong with it.
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Just DCA’ing my investments so volatility won’t be too much of a huge issue
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@Peter_G My thinking is that 2020 was the time of the rise of neobrokers like Robinhood and Trading 212. They existed before, but got mass adoption during the pandemic.
This spoiled us (at least me 
) - now I am used to getting more for less - cool and smooth apps, instant access, real-time everything, basically for free.
Vanguard’s platform - as much I respect them and Jack Bogle for what they have brought to the world - is stuck in the 90s (or earlier). Still fine is you just want to through large amounts of money into VWRP. But even that is cheaper to do in T212 and in Vanguard’s platform itself.
Cheers 
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Vanguard online platform is like the Nationwide BS of the world
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