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19 year old who's aspiring to financial independence

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ISAs

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

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General

I bought BTC and ETH very early. Then I discovered leverage and gave it all back

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QShould I bother tryna invest or just do a cash ISA and wait

Idk if i chose correct tag, but I just got trading 212. I worked quite a bit for like a month . But I worry I’m wasting my money away with no savings. Should I bother trying to invest? Such as with the Stocks ISA, or ju…

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First reply veteran

I definitely will say don’t invest in stock and shares except you are open to the risk and don’t invest in cash isa if you want more risk and gain,…

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General CandlesAndCrumpets Regular · 2 days ago

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QTransfer work pension to Trading212 SIPP

I am paying more attention to pension as I increase contributions and I have noticed my Aviva pension charges 0.69% annual charge so I have been looking into transferring it into a Trading212 SIPP as it has no fees and h…

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When Investing, Your Capital is at Risk. Sponsored link. To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link . Terms apply

First reply veteran

Check you don’t have protected retirement age with Aviva. It’s also crazy how much fees vary with Aviva. Mine charger 0.18% and the BlackRock MSCI World Index has an additional…

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Pensions KingsCrossCandles Regular · 2 days ago

1 Reply 0 6 Share

QWhat's a stock you've been accumlating over the past six months, and why?

I’m curious what everyone else has actually been buying lately, especially stocks they’re planning to hold years to come. Not necessarily looking for the usual popular names. I’m interested in companies you have enough …

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Investing TheGuvnorTrader Regular · 2 days ago UNANSWERED

0 Replies 0 6 Share

QHow much have you got saved in private pension right now?

I’m in late 20s and to be honest I don’t think state pension will be a thing by the time I can retire. So how much have you guys got saved up? How old are you?

First reply Baguette_Bull

This is a common question. You’ll get answers between 30 and £1 million and 60 and nothing. How much should you save? Ideally as much as you can spare, from…

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Pensions Mayfair_Maverick Regular · 4 days ago

1 Reply 0 3 Share

QWhat to do with £40,000.....low risk but i want some return

Hello, so basically i inherited £40,000. Ive no mortgage to pay, no debt, nothing immediate to pay and i have a good salary. I want to put the £40,000 into something that will give me a return. My current bank only has …

First reply The-Patient-One

I have made decent amount by jumping between tech stocks, micron Nvidia amd Palantir, but now sitting all in VWRP, market is too up & down for my liking… so…

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General Claymore_Capital Regular · 4 days ago

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QOnly about 1% to 3% of day traders successfully beat the market and remain consistently profitable over time, so why do you guys day trade?

Only about 1% to 3% of day traders successfully beat the market and remain consistently profitable over time, so why do you guys day trade? Kinda still wondering…

First reply Old_Ladys_Favourite

Because most people are id**ts and being the top 1 to 3% is actually not that hard if you have reasonable intelligence, work ethic , and discipline. Most of the…

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Trading Baguette_Bull Regular · 4 days ago

1 Reply 0 6 Share

QWere they right?

Has anybody ever read old comments about XRP or just crypto in general? It is hilarious to me. “XRP is going to zero” “It will never go above 50 cents” etc. obviously most of those comments have been deleted because peop…

First reply Baguette_Bull

To be honest, it is the same on both sides. If you go back and look at all those “XRP to $X by EOY” posts, most would look equally stupid…

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General BigBen_Bull Regular · 4 days ago

1 Reply 0 6 Share

QNew Stocks and Shares ISA tax rules in 2027 - what period constitutes "holding" money in a S+S account?

I have a Stocks and Shares ISA with Trading212, and am aware of the UK Government’s new tax rules coming in 2027, which state that money held in a Stocks and Shares ISA will now be subject to tax. The question I have is…

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When Investing, Your Capital is at Risk. Sponsored link. To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link . Terms apply

First reply BigBen_Bull

Only interest paid on cash in the account will be subject to the new tax charge, so you’re really asking how long cash has to be held to earn interest.…

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Trading Old_Ladys_Favourite Regular · 5 days ago

3 Replies 0 13 Share

QFirst 10k month as a full time trader

Just crossed +$10.7k for October, which is my first 10k month since going full time. I’ve been trading the same setup pretty much every day this month. I trade gold during Asia and take the first newly created 15 minute…

First reply The-Patient-One

It will be just like this the whole time. You broke the secret. Congrats.

+3 more

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General Stop-Loss_Steve Regular · 4 days ago

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QHow are these 19 year olds making all this money?

As the title suggests, so many 18-20 year olds buying mansions and buying Supercars and stuff and making lots through prop firms when they can only have a few years at trading the most. I make money in the markets but it…

First reply kingpin_479

You’re a grown adult with a developed prefrontal cortex and a lot to lose. These are impulsive children with nothing to lose and typically an entire family unit to fall…

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General diana_russell Regular · 5 days ago

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QAs a trader, what do you do on weekends?

it gets real boring sometimes, i go to gym 5times a week, i play chess every day, i practice deep thinking which oftn causes me stress but thats how my brain functions, sometimes i take walks when its not 50 degrees outs…

First reply Bullish_BeTty

This is less of a trading question and more of an existential question. Just go live your life. Trading is just a job. I do a Sunday review every weekend…

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General diana_russell Regular · 5 days ago

2 Replies 0 10 Share

QHow does someone who rarely goes out figure out business ideas in this era of AI

I currently work from home, and my job is really demanding. To be truthful, I am terribly broke. All my salary goes to taking care of the family and it’s not enough. At the middle of the month, I am already praying nothi…

First reply veteran

What are you really good at and what do you enjoy doing?

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General Grizzly_Gains Regular · 5 days ago

3 Replies 0 16 Share

QMAxed out my S&S ISA what now?

Hello everyone, I’m 23M and I am in the fortunate position to have maxed out my first ever ISA. Now this is one of those managed accounts which I should in reality get rid off and have a regular ISA account with Trading…

First reply veteran

I dunno mate you’re 23, touch some grass and have some fun

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ISAs Dnighter Regular · 5 days ago

3 Replies 1 18 Share

QHow much do you guys put in a month?

I always see posts of people maxing out their isa (20k a year UK) and I just feel I don’t put enough as all I can afford is 150 pound a month? What do you guys realistically put in?

2 1

ISAs Mullen Regular · 2 weeks ago

1 Reply 5 2 Share

QHow to update my email address

Hi Folks This may sound like a silly question, but how do I update my email address? Thanks

5 1

General mschatha Seedling · 6 days ago

1 Reply 2 5 Share

QI'm panicking.. is it £34,600 or £88,500 for Cash Savings for Indefinite Leave to Remain (ILR) application

Hi everyone, I’m a little confused right now (very)… how much do I actually need to have to apply using Cash Savings for someone who’s unemployed? I’ve arrived in the UK on a Spouse Visa on 18 October 2021. I have £52,0…

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General careful_tout Regular · 2 weeks ago UNANSWERED

0 Replies 2 0 Share

QBest Stocks and Shares ISA

Best stocks and shares ISA for someone to get who is just starting and has no clue really? Never had a stocks and shares and have no clue about investing really. Looking to put in about £100 a month. Have a normal isa wi…

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General brilliant_doctor Regular · 2 weeks ago UNANSWERED

0 Replies 2 0 Share

QWhy do so many UK investors end up heavily exposed to the US?

A lot of UK portfolios seem to end up looking something like global ETF + S&P 500 + a few US tech stocks which makes me wonder how much of that is deliberate and how much just happens because the biggest companies are A…

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General smart_jack Regular · 2 weeks ago UNANSWERED

0 Replies 3 0 Share

QCan I withdraw my old ISA into current account for it to be classed as new money?

I’m not going to use my allowance this year, so I’m not worried about that. Need to move some money about and not sure whether this is a legitimate loophole to get a better rate compared to transferring. Thanks in advanc…

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General sophomore_ann Regular · 2 weeks ago UNANSWERED

0 Replies 2 2 Share

QIf btc is going up why are we going down?

Not trying to be a negative nancy or anything, im just curious. Im just looking at other coins and they all seem to be going up with btc. I know its still early, and we had that little spike, but im just curious.

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General annonymous_guard Regular · 2 weeks ago

1 Reply 5 2 Share

QComplete beginner. Want to learn crypto trading but terrified of losing money. Where do I even start?

I’ve been lurking this sub for months and finally decided I want to actually start trading instead of just reading about it. Problem is I have maybe $300 to start with and I’m honestly scared of blowing it all on day one…

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General Papper-Boy Regular · 3 weeks ago

2 Replies 6 6 Share

QBTC is back at $82K, real breakout or just another fakeout?

BTC just pushed back to around $82K after spending most of the past week in the mid/high $70Ks. That’s a pretty sharp recovery, and $82K is also right around the recent resistance zone. Wonder whether this move actually…

4 2

Crypto legacy Regular · 3 weeks ago

2 Replies 5 4 Share

QHow to actual buy a small business?

I’ve watched Codie Sanchez and others on YouTube. My eventual goal is to buy a small business or a couple of them. From someone who has, how have you? What did you look for to ensure you’re set up well to start and not s…

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Trading legacy Regular · 3 weeks ago UNANSWERED

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QBtc back over 81k with greed at 71, feels like the market finally picked a direction

I’ve been watching btc grind back over 81k this week and greed sitting at 71 now. eth and sol both up around 5 percent too, which is the part that actually gets my attention. not saying it is off to the races but this is…

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Crypto veteran Contributor · 3 weeks ago UNANSWERED

0 Replies 2 3 Share

QReform could face action over £72m crypto donations, Rayner warns

Angela Rayner has suggested Reform UK could face action over two mega donations to the party under new laws being pushed through parliament. The housing secretary was reacting to £72m in donations from two crypto billio…

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General Crowell Regular · 1 month ago

3 Replies 7 6 Share

QCash Lifetime ISA or S&S Lifetime ISA

Hey everyone, I’m extremely new to this kinda thing at 22yo, so even with the wiki, I’m not 100% confident in everything that I’m reading. I’ve recently been looking at bringing my financial situation up to date, as, l…

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ISAs Admiral Regular · 1 month ago UNANSWERED

0 Replies 1 2 Share

QNew to investing in the UK -how should we invest £3,000/month with low risk?

New to investing in the UK. My brother and I can save around £3,000/month excluding all the expenses and currently keep it in Trading 212 earning interest of 4.7%. Looking for advice on safe, low-risk investment options …

Interested in Trading 212?Community Rating →Go to Site →

When Investing, Your Capital is at Risk. Sponsored link. To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link . Terms apply

10 4

Investing Tatiana_Conor Seedling · 1 month ago

4 Replies 20 10 Share

QTaking Profit from Crypto Investment feels harder than buying

I have started Investing in the crypto markets and honestly its really crazy stuff. At one moment its hyped so much than I feel like an millionaire but when it gets crashed then it feels like a biggest loss of my life. I…

11 3

Crypto legacy Regular · 1 month ago

3 Replies 7 11 Share

QWould putting a £20k lump sum into Vanguard FTSE All World be foolish?

Hi. I am a 54 year old who is just starting out in ISA stocks and shares. I have had money sat in savings accounts that are paying below the rate of inflation! Also, with my age, I want to make up for lost time. Any advi…

Interested in Vanguard?Community Rating →Go to Site →

*Terms apply. Your capital is at risk.

12 4

Investing Ajn2103 Seedling · 1 month ago

4 Replies 16 12 Share

QJust crossed the VAT threshold and needs advice

We hit £93,000 in the last month, and I’m only just realising this might be a bad thing. The accountants are understandably asking for more money, which is fine. But I’m not great at tax issues, and as far as I can see, …

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General Dr_O Regular · 1 month ago

2 Replies 5 2 Share

QAlmost 30, trading full time and I miss having co-workers

Everyone’s situation is different, and mine’s a bit unusual, so bear with me. I’m almost 30. I went into Civil Engineering at 19 because it seemed like the safer bet, and worked across the industry, from QA/QC, supervis…

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General BlaZeFire Regular · 1 month ago

2 Replies 5 5 Share

QBitcoin just broke $80k. Can it sustain the rally?

BTC finally pushed through $80k, but I think the next few days are more important than the breakout itself. $80k has been a pretty obvious psychological resistance level, so the big question now is whether it can actuall…

5 1

Crypto Melvin-Nel Regular · 1 month ago

1 Reply 5 5 Share

QPension & Savings thoughts - where am I going right/wrong?!

Hi All, Being a while i posted here and I’m just looking to consolidate my thinking across what money I have. the headlines: 36M, recently gone freelance in my field previous pensions totalling £20k (1 with Peoples Pe…

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Pensions Crowell Regular · 1 month ago UNANSWERED

0 Replies 3 2 Share

Q£224k @ 31 - and cash positive! 🎉

As of today I am sat on an investment total of £224.5k - and finally cash positive (I.e I now have more in investments than my liabilities - mortgage). Approximately £120k more than 18 months ago :folded_hands:t3: Break…

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Investing BacKwOoD Regular · 1 month ago

3 Replies 8 9 Share

QFirst time buying gold bars. Need some advice

Hi everyone, I’m looking to start collecting/investing on gold bars. It’s mostly for personal collection but I want to be able to sell it in case of emergencies as well. Does the weight matter in this case? I’m hoping t…

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General Megamind12 Regular · 3 days ago

2 Replies 13 9 Share

QGold price surge

Exactly 1 year back today, 1g 24K Gold was priced at £59.5. Today it’s around £108-£118 Planning to invest in Gold coin with some money I have. Been waiting for 3 months for a dip Am I doing the wrong thing of waiting? …

8 1

General SalvadorTradeX Regular · 1 month ago

1 Reply 5 8 Share

QShould I invest right now in crypto or it’s a bull trap?

So, we all seeing the instant explosion which rarely is ever that sudden, but is it all a bull trap and a cliff or it’s genuinely a good time to put your money to crypto to make a decent profit ?

7 2

Crypto Mr_gray Regular · 1 month ago

2 Replies 11 7 Share

QDaytrading has made me realize even more clearly how rigged capitalism really is

If you have massive capital, you can pull off the dumbest, most reckless strategy and still walk away with solid daily gains simply because size absorbs mistakes and magnifies micro returns. But when you’re trading with …

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

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

6 2

General Pink_lady Regular · 1 month ago

2 Replies 0 6 Share

QIs investing as simple as it sounds?

I’m currently in university and working a part time job, making a couple hundred pound a month, however it is all just sitting in a bank account making little to no interest. I’m not clued up on investing at all but from…

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Investing Protege Regular · 2 months ago

1 Reply 5 5 Share

QStocks and shares ISa

Never really had the chance to invest properly until my recent pay rise. It’s not much but I’m putting £25 a week into a stocks and shares ISA (Adventurous 5/7). Is this the right place to do this or shall I use another…

6 2

General Jim_redington Regular · 2 months ago

2 Replies 7 6 Share

QBest crypto exchange in the UK right now?

Trying to find the best crypto exchange in the UK that balances safety + good coin selection, with having to move away from Gemini. From what I’ve seen: • Kraken → best overall (secure, FCA-friendly, solid GBP suppo…

Interested in Kraken?Community Rating →Go to Site →

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.

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Crypto Ethan_GraY Regular · 2 months ago UNANSWERED

0 Replies 2 3 Share

QMoonPay Review

Discussion on MoonPay Review 2026: Fees, Security & Key Features

Interested in Moonpay?Community Rating →Go to Site →

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.

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DividendDragon Regular · 2 months ago UNANSWERED

0 Replies 0 0 Share

QUsing Maintenance loan to invest in my ISA

20M going into the third and final year of uni, I never applied for a maintenance loan because I have a part-time job that covers expenses and I live at home. I was thinking, what if for the next academic year I apply fo…

9 4

ISAs Hay_why Regular · 2 months ago

4 Replies 8 9 Share

QFor Profitable Traders: What Do Your Monthly Returns & Typical Wins/Losses Look Like?

For those of you who have made it to the point where trading is consistently profitable, realistically, how much are you pulling in each month? Also, what do your typical winning and losing trades look like in terms of p…

12 2

General Fada Regular · 2 months ago

2 Replies 8 12 Share

QLooking for advice on whether to start my company as a sole trader or a limited company

Hello, I am looking to start my own business in March next year but I have one question, Should I start as a sole trader or a limited company. I already have my client lined up so the work will already be in place as I w…

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General Georgia Seedling · 2 months ago

4 Replies 12 15 Share

QWhere are payment details

(No additional details provided.)

1 1

Trading Annette Seedling · 2 months ago

1 Reply 5 0 Share

QWhere do you guys put your money after you’ve maxed out your ISA?

For those who have already used up their ISA allowance, what’s your next move? Do you put extra money into a taxable investment account, pension/SIPP, premium bonds, property, savings accounts, or something else? Intere…

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1 0

ISAs kingpin_479 Contributor · 2 months ago UNANSWERED

0 Replies 11 1 Share

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…

3 1

Tax Black_CoFFee Regular · 2 months ago

1 Reply 7 3 Share

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?

4 1

General BeyoNDer Regular · 2 months ago

1 Reply 0 4 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…

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General Bennet Regular · 2 months ago UNANSWERED

0 Replies 3 3 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 …

7 1

Trading Abubaka Regular · 2 months ago

1 Reply 6 7 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…

8 2

Pensions TrendForge Regular · 2 months ago

2 Replies 9 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?

5 1

Trading Expert Wolfstone Trusted · 2 months ago

1 Reply 4 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

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General Expert Wolfstone Trusted · 2 months ago UNANSWERED

0 Replies 2 1 Share