Trading 212 £110,000 Portfolio Update

[@archieblackhurst4155]

quality video neil. Great to see you thriving and learn a log from your videos. Keep it up

[@neilinvests]

Thanks so much Archie, so good to hear they help. 😊

[@orrindavies]

Good job mate. I'm also using T212 and the past week my portfolio has also crossed into the six figures. Also it was nice to see that someone else's pie was very unbalanced!

[@neilinvests]

Nice one bud, well done a massive achievement. I don't worry about 'unbalanced', it's just from what every % i set up the pie in originally.

[@SmarkInvesting]

Great content Neil, subscribed!👍🏼 I've just started creating my portfolio conent. Nowhere near this level but need to start somewhere!

[@neilinvests]

Thanks bud, appreciate that, good luck creating

[@PaulThomas-t9h]

He Neil just started on 212 , enjoyed a few of your videos just put my first investments together. Holding long term for the future.

[@neilinvests]

Good luck wit it, Paul.

[@PaulThomas-t9h]

@@neilinveststhanks bud

[@bmInvestments01]

Quality video Neil been missing these for a while, inspired me to start my own channel recently. Cheers 👍

[@neilinvests]

Nice one bud, good luck with it.

[@CryptoScotAllan]

nice one mate, i just crossed 5k in my Vanguard account and have 3k in my Trading212

[@neilinvests]

Yes Ryan, well done man, keep going.

[@thegurch7313]

That’s good going ❤

[@TheGeordiePig]

Bloody brilliant! So happy to see this Neil! Portfolio really going to start snowballing from here :)

[@neilinvests]

Thanks bud, i really appreciate that.

[@max.8063]

Awesome video man really enjoyed it. Subscribed. Please keep posting 😃

[@neilinvests]

Hey Max, thanks so much. Great to have you

[@simonpile4523]

Great to see you back again! 👍

[@neilinvests]

Thank you Simon, good to be back.

[@DylanWilsonYT]

Niceee! Great to see you back Neil!

[@neilinvests]

Thanks Dylan, i really appreciate that bud.

[@ednaplate]

At what point do you decide to sell stock to reinvest? Do you have a particular percentage in mind above which you sell some of your profit?

[@owususekyerederkyi1691]

Great video.

[@scittyboom1989]

If my memory serves me your account has exploded in value since last updates pal well done 👍

[@neilinvests]

Yes bud, more than doubled in a year, really pleased to see it as it was tough going for a while there. Thnaks for watching.

[@terihatcherfan]

Brilliant, really enjoyed this! Well done mate

[@neilinvests]

Thanks bud, I really appreciate that, so glad you enjoyed it. I enjoyed creating again, so much I’ve got my next video already filmed this morning. 😊

[@chenla5602]

I’m 22 and just about to begin my financial freedom journey. Watching this video helps so much as you really break everything down. thank you!!

[@CharlesEdward-g4c]

If compounding interest is your goal, you might want to invest in strong companies with reliable earnings or talk to advisors about stocks, forex, and cryptocurrency. This approach has led to an 80% growth for us. I trust Eva Diane Herald as my financial advisor. She is well respected in her field, and you can easily verify her expertise online, as she has a wealth of knowledge about the financial markets.

[@neilinvests]

Thanks bud, appreciate the kind words and glad it helped.

[@markpotts4428]

Just set up a 212 s&s isa new to all this i have a couple of questions if anyone can help. 1. If i put 20k in a fund, my years allowance, lets say after a few months i made 2k could I withdraw some funds to invest again into a different fund or is this classed as going over my years allowance? 2. When creating a pie you have to select the percentage of each investment, can you just add to each investment individually within the pie rather than paying into the pie and letting it distribute the amount you pay in

[@Your-Money-Mindset]

Nice to see you back Neil!

[@neilinvests]

Thanks Rachael, good to be back at it on here 😊

[@UK.Personal.Finance]

Class returns always good so see other people do well

[@neilinvests]

Thank you bud, i appreciate that.

[@nishnosh]

Jheez 🚀🚀 thanks for the video! Market has done well last few weeks...let's hope for some continued momentum

[@neilinvests]

Certainly has bud, thanks for watching.

[@skylabx2000]

Tech question, would there be an issue if you were signed in on your phone and also on a tablet at the same time?

[@neilinvests]

Hi, last time i tried you could only sign into Trading 212 on 1 devise at a time. I assume this is some sort of security measure.

[@247hha-x7k]

I'm 18, just started long-term investing by putting £300 monthly into ETF's (will rise as my salary does). Currently, 50% of that is in the Vanguard S&P 500 (dist), 25% in Berkshire Hathaway (Class B) and 25% in INVESCO NASDAQ 100 (disc). Is this a solid portfolio? Should I incorporate or swap out for the FTSE 100 or another ETF? Thanks

[@genomicsANDeconomics]

It's a good portfolio. heavy on the US with a lot of overlap between Nasdaq and S&P500. You might want to consider a global index like (eg. Vanguard all world) or a Global -exUSA to provide some diversification. There will be times when US tech stocks dip -20% in a year (see 2022). As long as you're cool with that and can hold and continue investing monthly through that for longterm (>5 yrs), you will be happy with your choices.

[@247hha-x7k]

@@genomicsANDeconomics Thank you! I've now diversified it to 40% S&P 500, 25% INVESCO NASDAQ 100, 20% Berkshire Hathway and 15% Vanguard FTSE All World

[@ChazUBCS]

If you’re doing this at 18, you are way ahead of the game.

[@247hha-x7k]

@@ChazUBCS Cheers mate

[@FarisHussain-xx3kd]

Why dist and not acc?

[@malcolmbirkett1347]

You have done well😊 i also have my main portfolio with HL but a new isa with 212. Im tempted to move like you did😊

[@neilinvests]

Hey Malcolm, good to see you in the comments again. Yes, i do enjoy not seeing a monthly fee come out of my balance, I haven't regretted it.

[@Norfolkpaul]

Nice little video 😊

[@neilinvests]

Thanks Paul. 😊

[@Aaronmooreadventures]

Good video, thank you. At what point do you sell your stock picks to take your original stake out and into an ETF? Do you have a specific %, so if the stock goes up 25%, 50%, 75% at those points to you take out your original stake?

[@neilinvests]

Different for different business, some i want to hold for decades.

[@sudstahgaming]

Where have you been buying your gold? what platform pal and well done, I am kind of on the same journey with similar results.

[@neilinvests]

I like Atkinsons and Chards, often cheaper than the Royal mint

[@sudstahgaming]

@@neilinvests thx pal

[@nosharesnogains8505]

Epic! Goals 🎉. Hopefully i can get to that amount in the next few years

[@neilinvests]

Just got to keep on going bud, and you'll get there.

[@pip1723]

Yep good results 4k in 3 day's just in sp 500 and global all cap 👍

[@neilinvests]

It was a crazy week for sure.

[@lifeofranco]

Hey man good video, you have a got a good amount invested in stocks and pensions? Do you have a good paying job? I mean one needs money to make money right? That’s why I ask

[@dawnashmandoggietrainer8972]

Great video thank you and well done! Your pies say ‘slightly unbalanced’ and very unbalanced, I didn’t realise that possible in a pie? Did you use this as part of your strategy?

[@neilinvests]

That's just based on the % allocation i set the pies up with originally, i don't take any notice.

[@jacquelinepaul9731]

Hi Neil..ive had simd really good cheap productz from Temu and woukd like to invest, it all sounded very complicated is infinity the only way ?

[@vincentlewis6973]

Sweet. Keep smashing it 🎉 If rolls Royce start paying a dividend im in lol

[@ChazUBCS]

It’s going to next year

[@neilinvests]

Thanks Vincent. 😀

[@Paul-tm3xt]

New subscriber loved the episode.

[@neilinvests]

Thanks Paul, appreciate you watching.

[@RateMyParkrun]

Great videos - genuine and easy to understand. Neil, your Vguard S&P is it accum? Keep the content coming 👍🏻

[@neilinvests]

Hi bud, thanks so much, I really appreciate that. I have VUSA so the dust version, I just love those dividends, I do reinvest every single one.

[@VmcgHD]

How did you invest £20k and import £45k from you HL account into the T212 in the same financial year? I thought you could only put £20k max a year into the ISA? Or have I misunderstood something?

[@marcwareham9351]

You can transfer from a ISA you already have without it effecting your allowance. He imported the funds.

[@neilinvests]

Yeah, ISA rules can be confusing. So the £20k limit is for cash deposits. However you are allowed to transfer in old ISA's because technically their limit was also £20k, but just in a previous year. You're simply consolidating the accounts into 1, just like you could with a pension.

[@VmcgHD]

@@neilinvests Ah brilliant thank you. Sorry I missed the point where you said it was from another ISA. I thought you had transferred it from a HL SIPP you had. Thank you for the clarification. 👍

[@benjaminkelly2277]

Hi Neil, enjoying your videos. Only started investigating 2 months ago. Still learning it. I'm using Trading 212 stocks and sharers ISA. When you say your banking those gains, could you explain that more if possible? Much appreciated 👍

[@neilinvests]

Hi Ben, thanks for watching. It means for example with Rolls-Royce, once it reached 400% up i sold half of the sotck. that way i have secured the 400% gain. if the stock then drops it will matter less. It's possible to invest in a business and it go up 1000% and then drop to zero, the only way to make sure you end up UP is to sell.

[@benjaminkelly2277]

Thanks Neil, very helpful

[@Baxter91]

Have you read/listened to Andrew Craig's new book "Our future is biotech". Interesting read, just seeing as you hold the US biotech fund.

[@neilinvests]

I’ve bought it, next on my list. Love Andrew

[@aabalachandran]

@@neilinvests What is the biotech fund code please?

[@yunussavas3481]

Hey trading 212 says it covers upto £85k what do you think about that is your portfolio at ?

[@neilinvests]

Get this a lot, thats cash only, investments are protected separately.

[@sw793]

Did you transfer your HL account across as stock or did you have to sell and rebuy when transferred? Just Im thinking of putting my HL account into my T212 account as HL are charging me £25 every month in fees.

[@neilinvests]

Sold, transferred and re bought, much simpler. The fees are exactly why I left.

[@paulevans1139]

Good gains Neil, Good to see you back. Would you consider making a video of the process of transferring from HL as I'm considering doing it to trading 212? TIA 👍🏻

[@soyboypersonalfinance1138]

How did you get your hl into 212 I’ve been waiting years

[@neilinvests]

Used an already open t212 account, clicked transfer portfolio request, added info, done in a week. If it’s taken any longer than that I would contact Trading212 if I were you,

[@markmorris4979]

are your investments safe if something happened to t212 as i thought fscs only cover 85k?

[@neilinvests]

I get this a lot, fscs protects cash not investments, investments are protected seperately, if your broker goes bust you still own the investments.

[@crankgreenwatts]

Invest or Stocks ISA on T212 ?

[@CharlesEdward-g4c]

Invest, you can keep a diversified portfolio

[@tommyhughson9186]

I have moved my ISA to 212 but have a LISA with H+L as I don’t think 212 offer that unless im mistaken?

[@neilinvests]

Correct, no LISA on T212z

[@bashirmuhammad4953]

I have my ISA other T212. I’m considering opening a LISA with HL, is this a good investment please? Not buying a house though.

[@raljix1566]

I may have missed it but whats your total investment to reach 110k? Sounds like you sell off to take gains and revinvest but what do you think your actual return has been in % to date?

[@neilinvests]

Yeah, it’s hard to exactly say, but I would estimate I’m about 50% up in total, all things considered.

[@gjn17]

Please let me know On an average how much dividend you get every month after investing 20k ?

[@jessicaknoll4700]

Cheers mate! How did you find the good broker?

[@CharlesEdward-g4c]

@@jessicaknoll4700 Look for an FCA regulated broker for safety. Compare fees, platform features, and the range of assets they offer. Brokers like Hargreaves Lansdown, AJ Bell, or eToro are popular, but pick one that suits your goals. Do you have a financial advisor?

[@CharlesEdward-g4c]

Dividend income varies a lot depending on the stocks or funds you invest in. For example, if you get a 4% annual yield, that’s about £66 a month on £20k. Higher yields may pay more, but often come with higher risks.

[@CharlesEdward-g4c]

@@gjn17 Do you have a financial advisor helping you?

[@GrimPerfect]

Great returns! How come you went from vanguard to invesco for all world, but not snp500?

[@neilinvests]

Thanks Bud. Just wanted my all world to be as cheap as possible, whilst incorporating the developing world. I'm still happy with my Vangaurd SP500

[@delroyc77]

Where have you been?????

[@neilinvests]

Haha, spent the year building my Tiktok account, sorry Delroy 😀

[@eb2558]

is your all world fund dist or acc?

[@neilinvests]

Dist, FTWG. I just love those dividends coming in. For most acc would be probs best.

[@stevetodd9581]

Nice update Neil! Great to see such good progress and like you say anyone can do it. Which is the invesgo all world fund? Is it the same as VWRL?

[@neilinvests]

Thanks Steve, appreciate that bud. The Invesco fund i use os the FTWG

[@stevetodd9581]

@ nice thanks, it’s distributing right? Doesn’t look like it’s been around too long from the brief research I saw. Would be interested if there was an accumulation version like VWRP.

[@itsphatt8986]

Would u advise to do pies instead of individual ?

[@neilinvests]

personal preference really

[@AmbientEscapeYT]

How did you get so much to invest in the first place. I’m 23 and have 20k in my investments but wish I could have more to invest

[@neilinvests]

Let’s get some perspective bud, at 23 I was sleeping on my sister’s dining room floor with not enough money to eat, you’re doing pretty well I’d say.

[@AmbientEscapeYT]

@ did you end up getting a well paying job to be able to invest it back in?

[@AmbientEscapeYT]

@@neilinvests also all my 20k is invested into palantir and SoFi - a bit risky. Have you looked into these 2?

[@fiveplates]

How old are you? Or how long til you are 50. Good vid too.

[@neilinvests]

41, 9 years to go 😊

[@AndrewClapham]

Would love to see your dividend payments as well.

[@neilinvests]

I’ll do a year end video on total, thanks for the idea.

[@ChazUBCS]

Only need Rolls Royce to go up another 25% for me to hit 1,000,000 USD.

[@CarlFrancis-wf1vc]

The way rolls Royce is going its very possible

[@ChazUBCS]

@@CarlFrancis-wf1vc I noticed I only need 20%. I think it's coming and coming soon. SMR is getting a ton of attention in the media now. It's becoming too strong to stop.

[@neilinvests]

Wowzers, well done Chaz

[@ChazUBCS]

@@neilinvests thank you, Neil.

[@jacquelinepaul9731]

A pity about that shitty Trent engine and all it's problems

[@middlesbrough123]

Ive had x3 rolls Royce for a while . It’s worth while checking x3 granite stocks

[@neilinvests]

Not a fan of leveraged stock personally

[@middlesbrough123]

£3k in October £4250 out in March now running risk free . You can’t lose more than you out in

[@CRAIGO10]

£200,000 portfolio this year Neil? :)

[@benchambers3512]

Not sure about your thought on your Rolls Royce investment. Great gains, however, this is now your money, if it goes to 0, you lose the £2,230 it is worth. You should be reevaluating your investments constantly to see if they are worth what you have invested in it right now. If you think it’s overvalued, you should be banking all of the investment and putting it elsewhere (in my opinion).

[@neilinvests]

Fair shout Ben, perhaps I worded it wrong, in fact I did because as you saw I couldn’t get my words out. In reality I do thing there is more growth to be had, but at a slower rate and I’m more than happy to bank some gains, especially given the growth, and reinvest into the all world.

[@benchambers3512]

@@neilinvestsmakes sense, working in the industry myself (investment analyst) I would really recommend making sure you have a very good understanding of the individual companies you’re invested in with research backed up behind the investment. Otherwise, that money is better off in funds in my opinion.

[@ChazUBCS]

RR isn't sinking anytime soon

[@InsideBoxingBrain]

Nio will explode in 2025 . Long term hold and the growth will be crazy

[@neilinvests]

What makes you say that bud?

[@InsideBoxingBrain]

@ the two newer brands are expected to drive significant growth. In fact, Nio's sales target for 2025 is double that of 2024, or roughly 440,000 vehicles. Which would see this under priced stock shoot up 🤞🏽

[@neilinvests]

Good luck with it bud.

[@AlexGledhill237]

Started with £0. You did well when a £0 investment creates a £0 return. Really, probably started with £30,000 to be ar £110,000 after 4.5 years.

[@neilinvests]

Ok Alex…

[@AlexGledhill237]

@neilinvests just sick of in investors saying they started with £0 when it's impossible. If you can generate £110,000 from £0 then you're a better investor than Warren Buffet.

[@neilinvests]

I did start with zero Alex. On 1st Jan 2020 I had zero pounds invested. I then deposited my first £20, and from there pretty much increased my monthly deposits month after month, and here we are. Have a look at my older portfolio videos if you like, you’ll see I spent much of the last 4 years in the red. I’m sorry this has annoyed you so much but unfortunately it’s the truth.

[@haydenharris3059]

Bloggers use various anonymous accounts to positively comment on they’re sales tactics. Please be vary wary of what is pure risk just like in a casino but without fixed odds. Don’t believe everything you see.

[@cianog]

Is there another Rolls Royce??

[@neilinvests]

I’m sure there is, let me know if you find it 😉

[@alirojon]

Love your stuff mate. Your trading 212 link don't work.

[@neilinvests]

Thanks bud, really appreciate that. Had this a couple of times, you just need to copy the link and paste it into your browser and that will fix it. Please let me know how you get in and what free share you get, I love to hear.

[@alirojon]

@neilinvests thanks mate will do

[@AngryEditsGFX]

wow you mans r playing with big money and im here investing with only 50 quid😂

[@ChazUBCS]

Gotta start somewhere

[@neilinvests]

My first investment was £20, you'll get there bud, most people don't start so you're already ahead of the crowd

[@Dean-qe9cl]

Yea but you put in £95,000 so really it’s not that good really. If you had invested £10,000 or something like that then I would say fair play to ya.

[@marcwareham9351]

Watch the video again. He explains how trading 212 doesn’t show the real gains.

[@neilinvests]

Hi Dean, this tells me you didn't watch all of the video. I am actually closer to 50% up. However i am still not looking for credit, this is simply my journey I am documenting, and even if i had 'only' made £15k, i'm still pretty sure i would be happy with that.

[@joshuahaskey1240]

What drugs you selling to have this much money invested across the board 😂😂

[@neilinvests]

😂 I don’t feed my kids

[@alirojon]

😂

[@szabolcstrucz2220]

Any kids mate?

[@neilinvests]

Yes, 2 kids

[@szabolcstrucz2220]

@neilinvests big achievement than fill all the ISA each year.

[@KevinGuy-j5i]

You are punting Neal. The give away is that your portfolio includes massive gainers and fallers. Take Tesla as an example, what did you see in the company when you purchased the shares before they pushed on. You are si ply riding a wave

[@ChazUBCS]

lol it’s always riding a wave what a dumb comment

[@neilinvests]

Thanks for watching Kevin, and showing concern with my portfolio.

[@piperwarrior5705]

Buy BTC Digital..could be $30 by next Friday

[@neilinvests]

or, it could be down 16% in a week 😉

[@piperwarrior5705]

@neilinvests Blackrock says bitcoin going up..the mining shares should reflect the gains..without mining no bitcoin