Investment Community

For You

Top of the community right now

Investing

19 year old who's aspiring to financial independence

33 9 0

Crypto

Should first time UK investors learn about blockchain technology before investing in cryptocurrencies?

20 9 16

Crypto

Many people see Bitcoin as "digital gold." Do you agree with this comparison, and do you think it can protect investors against inflation over the long term?

19 8 18

QPersonal Allowance Tax in the UK

As the UK Government offers £1,000 tax free trading allowance for any beermoney making on the side of your job, what do people do about this? Do you declare it yourself? Or do they contact you? If you survey/games etc en…

Be first to reply — earn Equity for helping the community Join to answer →

1 0

Tax Fresh Black_CoFFee Regular · 1 hour ago UNANSWERED

0 Replies 0 0 Share

Rate a broker — earn +5 Equity

Help the community choose the right platform.

Rate now

QWhat’s an "unspoken rule" of UK corporate world that they never teach you in school?

What’s a harsh truth about navigating the professional world in the UK that you had to learn the hard way?

Be first to reply — earn Equity for helping the community Join to answer →

2 0

General Hot BeyoNDer Regular · 1 hour ago UNANSWERED

0 Replies 0 2 Share

QTrades - which one would be best to learn

I’ve always wanted to learn a trade, not only because I think many of them are in short supply but I love the idea of doing something practical and not sat in front of a screen wondering if there are some with better pro…

Be first to reply — earn Equity for helping the community Join to answer →

2 0

General Hot Bennet Regular · 1 hour ago UNANSWERED

0 Replies 0 2 Share

QBiggest struggle with trading?

I don’t know what it is, my analysis is good, setup good and yet I will completely forget trades and leave them running. I do try to set SL & TP but sometimes (more the 60% ) of the time I completely forget and has been …

First reply TrendForge

Which broker provide booming index

+1 more

6 2

Trading Hot Abubaka Regular · 21 hours ago

2 Replies 0 6 Share

QIs my situation looking okay?

Hi, My last annual NEST statement reads that I’m on course to end up with, around, £289,000.00 at my set retirement date in 2061! It reads that I should be due an annual income of £20,700.00 from that pot. I’m also on c…

First reply ChaosMaster

How much do you expect to spend in retirement?

+1 more

8 2

Pensions Hot TrendForge Seedling · 22 hours ago

2 Replies 1 8 Share

QWould you recommend buying or renting your home?

i’ve shared my thoughts on buying or renting in this guide. Rent vs Buy: I Own a House, and I'd Still Think Twice what do you think?

First reply ChaosMaster

it depends though but buying is quite better than renting

5 1

Trading Hot Expert Wolfstone Trusted · 22 hours ago

1 Reply 0 5 Share

QRent Vs Buy -what is best?

I have recently written an article about rent vs buying, i’d love to get your thoughts

Be first to reply — earn Equity for helping the community Join to answer →

1 0

General Expert Wolfstone Trusted · 1 day ago UNANSWERED

0 Replies 0 1 Share

QIG let me buy an ISA-ineligible stocks, now forcing it out - can i get my allowance back?

Bought ARM Holdings (the Nasdaq ADR) inside my IG stocks & shares ISA on Thursday. Trade went through with no warning at all. Today IG tell me it’s not ISA eligible and the position is being forced out into my share deal…

Interested in IG?Community Rating →Go to Site →

First reply SiR_WeSt

Are they moving it to a GIA, or selling it? if they’re selling it (or can you instruct them to), then the money will just sit in your S&S ISA…

+6 more

18 7

ISAs Chart_Hunter Regular · 4 days ago

7 Replies 0 18 Share

QDo i benefit, i'm just kinda curious?

Would I benefit from a pie with 80% all world and 20% nasdaq 100. I’m also investing in a few defence companies such as Northrop Grumman and rheinmetall and have a 10% increase for both. For long term individual stocks I…

First reply Mitchell

I am also playing with defence ETFs but have sold out of anything US targeted outside of all world funds

+3 more

3 4

General Chart_Hunter Regular · 1 week ago

4 Replies 2 3 Share

Top Stories

See all →

TIC Blog · 2 days ago

Rent vs Buy: Why I’d Invest My Deposit Before Buying Again

Quick Answer For most people, buying a house works because it forces you to save: every mortgage payment builds equity that spare…

TIC Blog · 2 weeks ago

Forex Spread vs Commission: the Maths Nobody Actually Does

Quick Answer: Spread-Only or Commission? Which Actually Costs Less? Run the numbers on a standard lot of EUR/USD and the gap is…

FT · 1 hour ago

Trump revives threat to sack Fed governor Lisa Cook

Move comes after Supreme Court ruled in June that policymaker could remain in her position while case is resolved

Google · 1 hour ago

Travel disruption continues for rail passengers following power outage - ITVX

Travel disruption continues for rail passengers following power outage  ITVXHow a 90-second power outage sparked chaos for rail commuters  BBCRail passengers face second day of disruption across north-west England  The GuardianNorth West railway disruption recap: Experts shed light on 'surprise' impact of power cut which caused rail 'chaos'  Sky NewsFurther disruption expected after Manchester power failure causes travel chaos  The Independent

FT · 1 hour ago

Burnham’s UK tour to focus on cutting cost of living and helping high streets

Prime Minister returns from holiday next week with plans to visit every region

QHAs the market been absolutely unbearable to trade this last few months?

Even trading around levels it’s still such crazy action that I take two scalps with more contracts than I normally take and shut it off for the day. If I win one, I’ll take another on the next setup and thats it for the …

First reply Sara1

Hmmm… i think two way tapes will expose one dimensional traders

+3 more

16 4

General Cherish Seedling · 1 week ago

4 Replies 1 16 Share

QWhat's the one piece of investing or personal finance advice you'd give someone in their 20s?

If you could give someone in their 20s just one piece of investing or personal finance advice, what would it be, and why? It could be something you wish you’d learned earlier, a mistake you made, or a habit that has had …

First reply Mitchell

Pay in to your pension and buys stocks. Insane tax free investment scheme

3 1

General Raji Seedling · 1 week ago

1 Reply 2 3 Share

QHow much pension is enough?

Serious question to all the pension bros. I see so many people max out the pension and live like they’re broke. Surely there’s a number beyond which it just doesn’t make sense to put more in there.. given you can’t touch…

First reply Sara1

I can only tell you what i did. Pay in as much as you can before you have kids and then stop working overtime and go to watch them play…

8 1

Pensions Faruk Regular · 2 weeks ago

1 Reply 2 8 Share

QI need some advise on investing in majorly UK stocks

I’m 23 and looking to seriously get started investing in individual stocks, specifically UK stocks. I’m not really interested in index funds only. I want to learn how to analyse companies properly, keep up with market ne…

First reply Victor Van DooM

I’m not giving a financial advice obviously but this is what i’ve found useful -avoid day trading and trying to make quick profit -the real money is to be made…

6 1

General West Regular · 2 weeks ago

1 Reply 6 6 Share

QThe overall ISA allowance is staying at £20,000 again

Does it ever go up, and should it be higher given inflation?

First reply AlphaTraderX

As someone just starting to build up meaningful savings, £20k sounds enormous to me right now and I doubt I’ll be maxing it out any time soon so the freeze…

2 1

ISAs BullVision Regular · 2 weeks ago

1 Reply 1 2 Share

QWith dividend and savings tax rates going up, is putting money in an ISA more important than ever, or are ISAs themselves getting worse too?

I’m just wondering though

Be first to reply — earn Equity for helping the community Join to answer →

1 0

ISAs Profitpulse Regular · 2 weeks ago UNANSWERED

0 Replies 0 0 Share

QThe government is replacing the Lifetime ISA with a new First Time Buyer ISA by 2028

Should I still bother opening a LISA now?

First reply Chart_Hunter

I opened mine the week the consultation was announced, honestly, because nothing about the announcement changes the current rules the 25% government bonus, the £450,000 property cap and existing eligibility…

+2 more

10 3

Trading gater Regular · 2 weeks ago

3 Replies 0 10 Share

QThe Pension Schemes Act 2026 just got Royal Assent

what does this actually mean for my workplace pension pot, in plain English?

First reply LoverBoy

As someone running a small business who already found auto enrolment costly to administer, I’m cautiously optimistic about scale here.. if small fragmented pots get pooled into fewer, larger, better…

+1 more

10 2

Pensions Protege Regular · 2 weeks ago

2 Replies 6 10 Share

QThe State Pension just went up 4.8% under the triple lock

is this actually sustainable, or are we just kicking the can down the road for younger workers like me?

16 3

Pensions FireMaN Regular · 2 weeks ago

3 Replies 9 16 Share

QStocks and Shares ISAs enable people residing in the United Kingdom to invest in a tax efficient manner with a certain limit per year. Is it possible to own cryptocurrencies directly in an ISA or not?

Stocks and Shares ISAs enable people residing in the United Kingdom to invest in a tax efficient manner with a certain limit per year. Is it possible to own cryptocurrencies directly in an ISA or not?

9 4

ISAs CoinVoyager Regular · 2 weeks ago

4 Replies 4 9 Share

QThe HMRC classifies cryptocurrency as property and not currency for tax reasons. How is Capital Gains Tax charged on cryptocurrency profits in the UK and what is the present tax free allowance?

The HMRC classifies cryptocurrency as property and not currency for tax reasons. How is Capital Gains Tax charged on cryptocurrency profits in the UK and what is the present tax free allowance?

Interested in Capital.com?Community Rating →Go to Site →

10 4

Tax ChainNavigator Regular · 2 weeks ago

4 Replies 1 10 Share

QThe FCA oversees certain crypto activities in the UK yet many tokens are not under complete regulation. Which crypto activities is the Financial Conduct Authority regulating at present?

The Financial Conduct Authority oversees certain crypto activities in the UK yet many tokens are not under complete regulation. Which crypto activities is the Financial Conduct Authority regulating at present? And what…

11 4

General SatoshiTrail Regular · 2 weeks ago

4 Replies 7 11 Share

QWhy does it matter to UK cryptocurrency investors to maintain good records for all transactions?

Why does it matter to UK cryptocurrency investors to maintain good records for all transactions? Should cryptocurrency exchanges and wallets provide more facilities for calculating the profits on which users would have t…

10 2

Tax CoinVoyager Regular · 3 weeks ago

2 Replies 4 10 Share

QWhat should UK investors do to find the correct equilibrium between pensions and other investments?

What should UK investors do to find the correct equilibrium between pensions and other investments? Is depending mostly on pensions adequate for retirement or should people invest in other sources of wealth like Individu…

10 2

Trading ChainNavigator Regular · 3 weeks ago

2 Replies 7 10 Share

QHow significant do you think pension schemes are in helping to build financial security for yourself in the UK?

How significant do you think pension schemes are in helping to build financial security for yourself in the UK? Taking into consideration pension schemes such as employer based pension schemes, personal pension plans and…

10 2

Pensions SatoshiTrail Regular · 3 weeks ago

2 Replies 6 10 Share

QShould UK investors focus on adding to their pension before pursuing other investments like stocks or cryptocurrencies?

Should UK investors focus on adding to their pension before pursuing other investments like stocks or cryptocurrencies? What elements, including tax benefits, retirement aspirations, or investment risk, should individual…

4 2

Pensions Bullish_Badger Contributor · 3 weeks ago

2 Replies 4 4 Share

QHow essential would consider pension investment to be for achieving lasting financial stability in the United Kingdom?

How essential would you consider pension investment to be for achieving lasting financial stability in the United Kingdom? In your view, which choice provides the optimal combination of flexibility and long term growth …

4 2

Pensions Dip_Buyer Contributor · 3 weeks ago

2 Replies 8 4 Share

QWith Andy Burnham's path to PM now a live topic, should political uncertainty change my investment strategy?

Some commentary this month has flagged Andy Burnham’s rising profile as a potential future PM as a new phase in UK politics. Wealth platforms are telling investors to stay diversified, stay invested, avoid letting Westmi…

1 1

Investing Theresa Regular · 3 weeks ago

1 Reply 0 0 Share

QIs cutting the CASH ISA allowance to £12,000 actually going to get more Brits investing?

Starting from April 2027, under65s will only be able to put £12,000 a year into a Cash ISA instead of £20,000, with the remaining £8,000 of the overall £20,000 ISA allowance meant to nudge people toward Stocks & Shares I…

18 5

ISAs Jones Regular · 3 weeks ago

5 Replies 2 18 Share

QIs Bitcoin/crypto a sensible investment for the average UK saver right now?

With the FCA regime maturing and crypto becoming more mainstream, is it now reasonable for an average UK saver to hold some crypto as part of a normal portfolio, or is it still fundamentally a speculative gamble that mos…

21 5

Crypto Georgia Seedling · 3 weeks ago

5 Replies 2 21 Share

QShould crypto profits be taxed as capital gains or income here in the UK?

The HMRC currently treats most crypto disposals like selling, swapping, spending, as subject to capital gains tax, with staking rewards and mining often taxed as income. Some people think this is fair, others think crypt…

Interested in Capital.com?Community Rating →Go to Site →

23 5

Crypto Johnny Regular · 4 weeks ago

5 Replies 11 23 Share

QIs the FCA's new crypto regime good for the UK, or just red tape?

The FCA has now finalised its full cryptoasset rulebook… capital requirements, market abuse rules, stablecoin standards, the lot. Firms apply for authorisation from September 2026, full regime kicks in October 2027. Is t…

Interested in Capital.com?Community Rating →Go to Site →

24 5

Crypto Cherish Seedling · 4 weeks ago

5 Replies 2 24 Share

QHow crucial is stock exchange investing for creating longterm wealth in the UK?

Which strategy do you believe is very effective given with the availability of options like individual shares, index funds, and ISAs?

10 3

Investing Satoshi_Apprentice Contributor · 4 weeks ago

3 Replies 7 10 Share

QHow to register for paperless shareholding

(No additional details provided.)

Be first to reply — earn Equity for helping the community Join to answer →

1 0

General MandyHulme Seedling · 4 weeks ago UNANSWERED

0 Replies 0 0 Share

QWhat characteristics do you consider when selecting a cryptocurrency exchange or investment platform in the UK? Is it the low fees, security, customer support or user friendliness that matters

What characteristics do you consider when selecting a cryptocurrency exchange or investment platform in the UK? Is it the low fees, security, customer support or user friendliness that matters the most?

12 3

Investing Alphacollector Contributor · 1 month ago

3 Replies 6 12 Share

QWhat is the one investment theme you think will matter most over the next 5 to 10 years, and why?

Every investor has a different view on where the biggest opportunities (and risks) will come from. Whether it’s AI, interest rates, energy, changing demographics, or something completely different, what’s the one investm…

Be first to reply — earn Equity for helping the community Join to answer →

1 0

Trading claireparish23 Contributor · 1 month ago UNANSWERED

0 Replies 3 0 Share

QTIC: How I’d Build My First £1,000,000 in 4 Steps (UK)

Discussion of the TIC article: View on The Investors Centre community: Investment News — The Investors Centre

Be first to reply — earn Equity for helping the community Join to answer →

1 0

News DividendDragon Regular · 1 month ago UNANSWERED

0 Replies 7 0 Share

QDo you think cryptocurrency should be part of a longterm investment portfolio for people in the UK?

Do you think cryptocurrency should be part of a longterm investment portfolio for people in the UK? With traditional investments like stocks and ISAs remaining popular, where do you think crypto fits into a balanced stra…

5 3

Crypto Nodeninja Contributor · 1 month ago

3 Replies 12 5 Share

QSecurity remains one of the biggest concerns in cryptocurrency investing. What measures should investors and crypto platforms take to better protect digital assets from fraud, scams, and cyberattacks?

Security remains one of the biggest concerns in cryptocurrency investing. What measures should investors and crypto platforms take to better protect digital assets from fraud, scams, and cyberattacks?

7 3

General lucas Contributor · 1 month ago

3 Replies 9 7 Share

QHow important is investor education when it comes to cryptocurrency investing? What steps should regulators and financial institutions take to help investors understand the risks involved?

How important is investor education when it comes to cryptocurrency investing? What steps should regulators and financial institutions take to help investors understand the risks involved?

8 3

Investing Oliver Contributor · 1 month ago

3 Replies 12 8 Share

QShould the UK government encourage innovation in cryptocurrency and blockchain technology through tax incentives or grants? What benefits and risks could arise from such an approach?

Should the UK government encourage innovation in cryptocurrency and blockchain technology through tax incentives or grants? What benefits and risks could arise from such an approach?

6 3

Crypto Alice Contributor · 1 month ago

3 Replies 14 6 Share

QCryptocurrency prices are known for their extreme volatility. Do you think the potential rewards justify the significant risks involved for UK investors?

Cryptocurrency prices are known for their extreme volatility. Do you think the potential rewards justify the significant risks involved for UK investors?

20 4

Crypto wuutbear Contributor · 1 month ago

4 Replies 11 20 Share

QThe UK government continues to develop its cryptocurrency regulations. How do you think these rules will affect investment opportunities and investor confidence over the next few years?

The UK government continues to develop its cryptocurrency regulations. How do you think these rules will affect investment opportunities and investor confidence over the next few years?

19 4

Investing Xiong Contributor · 1 month ago

4 Replies 9 19 Share

QCryptocurrency in the UK? Do stronger regulations increase your confidence as an investor, or do they limit innovation?

cryptocurrency in the UK? Do stronger regulations increase your confidence as an investor, or do they limit innovation?

20 4

Investing donmils Contributor · 1 month ago

4 Replies 12 20 Share