Investment Community

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…

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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…

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ISAs Chart_Hunter Regular · 2 months ago

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Q19 year old who's aspiring to financial independence

I’m 19 years old, and I make £590 a week before taxes on a 37.5hour contract. Over the past month, I’ve been working 53hour weeks, which has made me £900 before taxes per week. My expenses total approximately £850, which…

First reply SiR_WeSt

What are you wanting from this post? I can give you validation you’re doing the right things… Keep doing what you’re doing and remember to live a little and try…

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Investing Krish Regular · 2 months ago

9 Replies 17 33 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

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General Chart_Hunter Regular · 2 months ago

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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

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General Cherish Seedling · 2 months ago

4 Replies 19 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

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General Raji Seedling · 2 months ago

1 Reply 19 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…

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Pensions Faruk Regular · 3 months ago

1 Reply 6 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…

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General West Regular · 3 months ago

1 Reply 8 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…

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ISAs BullVision Regular · 3 months ago

1 Reply 1 2 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…

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Trading gater Regular · 3 months ago

3 Replies 8 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…

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Pensions Protege Regular · 3 months ago

2 Replies 9 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?

First reply SavageTrazZ

As someone in my thirties, I resent the framing that this is pensioners versus young people, because plenty of us will be pensioners ourselves one day and want the same…

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Pensions FireMaN Regular · 3 months ago

3 Replies 12 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?

First reply CryptoNomad

The unfortunate news is that one cannot just put Bitcoin and Ethereum in their Stocks & Shares ISA and make it taxfree. As ISAs are for assets such as stocks,…

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ISAs CoinVoyager Regular · 3 months ago

4 Replies 13 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?

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Tax ChainNavigator Regular · 3 months ago

4 Replies 7 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…

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General SatoshiTrail Regular · 3 months ago

4 Replies 10 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…

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Tax CoinVoyager Regular · 3 months ago

2 Replies 6 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…

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Trading ChainNavigator Regular · 3 months ago

2 Replies 9 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…

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Pensions SatoshiTrail Regular · 3 months ago

2 Replies 19 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…

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Pensions Bullish_Badger Contributor · 3 months ago

2 Replies 10 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 …

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Pensions Dip_Buyer Contributor · 3 months ago

2 Replies 17 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…

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Investing Theresa Regular · 3 months ago

1 Reply 12 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…

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ISAs Jones Regular · 3 months ago

5 Replies 15 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…

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Crypto Georgia Seedling · 3 months ago

5 Replies 10 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…

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Crypto Johnny Regular · 3 months ago

5 Replies 15 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…

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65% of retail investor accounts lose money when trading CFDs with this provider.

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Crypto Cherish Seedling · 3 months ago

5 Replies 12 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?

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Investing Satoshi_Apprentice Contributor · 3 months ago

3 Replies 11 10 Share

QHow to register for paperless shareholding

(No additional details provided.)

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General MandyHulme Seedling · 3 months ago UNANSWERED

0 Replies 2 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?

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Investing Alphacollector Contributor · 3 months ago

3 Replies 13 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…

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Trading claireparish23 Contributor · 3 months ago UNANSWERED

0 Replies 7 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

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News DividendDragon Regular · 3 months ago UNANSWERED

0 Replies 11 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…

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Crypto Nodeninja Contributor · 3 months ago

3 Replies 14 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?

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General lucas Contributor · 3 months ago

3 Replies 10 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?

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Investing Oliver Contributor · 3 months ago

3 Replies 14 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?

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Crypto Alice Contributor · 3 months ago

3 Replies 38 6 Share

QMany 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?

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?

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Crypto Andrew Contributor · 3 months ago

8 Replies 32 19 Share

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

Should first time UK investors learn about blockchain technology before investing in cryptocurrencies? Or is understanding investment fundamentals more important than the technology itself?

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Crypto Ahmad Contributor · 3 months ago

9 Replies 34 20 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?

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Crypto wuutbear Contributor · 3 months ago

4 Replies 19 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?

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Investing Xiong Contributor · 3 months ago

4 Replies 15 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?

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Investing donmils Contributor · 3 months ago

4 Replies 18 20 Share

QShould UK investors allocate only a small percentage of their investment portfolio to cryptocurrencies? Or do you believe crypto deserves a larger allocation because of its growth potential?

Should UK investors allocate only a small percentage of their investment portfolio to cryptocurrencies? Or do you believe crypto deserves a larger allocation because of its growth potential?

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Investing Andrew Contributor · 3 months ago

4 Replies 4 20 Share

QDo you think cryptocurrency should be considered a legitimate longterm investment for UK investors?

Do you think cryptocurrency should be considered a legitimate longterm investment for UK investors? What factors make digital assets more or less attractive than traditional investments such as stocks, bonds, or property…

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Crypto Ahmad Contributor · 3 months ago

5 Replies 17 19 Share

QStablecoins are designed to reduce the price volatility commonly associated with cryptocurrencies

Stablecoins are designed to reduce the price volatility commonly associated with cryptocurrencies. Do you think regulated stablecoins could become a preferred investment and payment option within the UK financial system? …

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Crypto Quinn Contributor · 4 months ago

4 Replies 13 15 Share

QHow could increased institutional investment influence cryptocurrency prices and market stability in the UK?

How could increased institutional investment influence cryptocurrency prices and market stability in the UK? Would greater participation from pension funds and asset managers make the market more reliable?

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Investing Riley Contributor · 4 months ago

4 Replies 6 16 Share