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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

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

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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…

First reply Kronus

they should also limit donations of people who have been convicted of crimes and completely deny them from people guilty of financial crimes

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General Hot Crowell Regular · 18 hours ago

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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 · 6 days ago UNANSWERED

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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 …

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First reply kingpin_479

If you want to keep it balanced, you could split the £3,000 per month between the 4.7% cash holdings and the FTSE All-World to start with. You could expect anywhere…

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Investing Tatiana_Conor Seedling · 1 week ago

4 Replies 0 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…

First reply Sauron_lord

Most crypto is hype driven there is no substance so if you get in to most and hit gains pull TF out

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Crypto legacy Regular · 1 week ago

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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…

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First reply zaphic97

if you need the money in the next 5-7 years the stock market is not the best place for your money. If however you can afford to keep it there…

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Investing Ajn2103 Seedling · 1 week ago

4 Replies 1 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, …

First reply SwitchTraderX

You’re not quite losing £19k overnight. VAT doesn’t work as simply as taking 20% off your turnover. If you keep charging £93k in total and that price now has to…

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General Dr_O Regular · 3 weeks ago

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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…

First reply Jane_Tank

I initially typed out a long response but really I think it boils down to this: what do you trade, how do you trade, how much do you trade, how…

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General BlaZeFire Regular · 3 weeks ago

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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…

First reply Jane_Tank

Bitcoin is going to do what Bitcoin is going to do.. It could go up, it could go down. Enjoy the show one way or the other.

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Crypto Melvin-Nel Regular · 3 weeks ago

1 Reply 4 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 · 3 weeks ago UNANSWERED

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Top Stories

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TIC Blog · 2 weeks ago

Day Trading in the UK: What Actually Happens in Your First Month

Quick Answer: What Does the First Month of Day Trading Actually Look Like? A real education, at a knowable price. I funded…

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What UK Day Traders Actually Pay in Tax: Here’s What I Paid

Quick Answer: What Do UK Day Traders Actually Pay in Tax? On my own numbers, almost nothing, and the reason is the…

BBC · 10 mins ago

Petrol and diesel price rises push UK inflation higher

Summer holidays and disruption to global oil supplies by the Middle East conflict stoked price growth.

BBC · 10 mins ago

Petrol and diesel price rises push UK inflation higher

Summer holidays and disruption to global oil supplies by the Middle East conflict stoked price growth.

BBC · 19 mins ago

Burnham rejects 'tax and spend socialist' comments

The prime minister insists he is prepared to take "difficult decisions" at next month's Budget.

QHow do I choose the right broker for high leverage Forex trading?

Choosing a broker based primarily on the highest available leverage can leave out several important factors. Regulation, margin requirements, execution policies, fees, platform stability, customer support, and risk-manag…

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Investing j_Ceaser Regular · 3 weeks ago UNANSWERED

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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…

First reply j_Ceaser

Nice! What are you invested in to have such good returns?

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Investing BacKwOoD Regular · 2 weeks ago

4 Replies 7 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…

First reply BacKwOoD

It’s better to collect 1oz bars probably coins. They have a lower premium and are easier to sell at close to what you paid. Smaller denominations could work for you.…

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General Megamind12 Regular · 3 weeks ago

1 Reply 12 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? …

First reply BacKwOoD

Ignore last year difference due to war stock market issues. Purchase consistently rather than doing lumpsum large amount. you can go for buying 5 grams a month or wait for…

8 1

General SalvadorTradeX Regular · 3 weeks ago

1 Reply 4 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 ?

First reply SalvadorTradeX

If you’re planning to hold for longterm, this seems like a good enough entry. Prices may go lower in the bear market… or they may not. There are risks of…

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Crypto Mr_gray Regular · 3 weeks ago

2 Replies 5 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 …

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

First reply BacKwOoD

Not quite. Smaller means our moves don’t affect anything and we can get in and out easier. Big guys have to do all kinds of shenanigans to just get their…

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General Pink_lady Regular · 3 weeks 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 · 4 weeks 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 · 4 weeks ago

2 Replies 5 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 · 4 weeks ago UNANSWERED

0 Replies 0 3 Share

QMoonPay Review

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

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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 · 1 month 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…

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ISAs Hay_why Regular · 1 month ago

4 Replies 7 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 · 1 month ago

2 Replies 5 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 · 1 month ago

4 Replies 11 15 Share

QWhere are payment details

(No additional details provided.)

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Trading Annette Seedling · 1 month ago

1 Reply 4 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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ISAs kingpin_479 Contributor · 1 month ago UNANSWERED

0 Replies 3 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 · 1 month ago

1 Reply 5 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?

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General BeyoNDer Regular · 1 month 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 · 1 month ago UNANSWERED

0 Replies 2 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 …

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Trading Abubaka Regular · 1 month 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 · 1 month ago

2 Replies 8 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?

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Trading Expert Wolfstone Trusted · 1 month 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 · 1 month ago UNANSWERED

0 Replies 2 1 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…

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General Chart_Hunter Regular · 1 month ago

3 Replies 12 3 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 …

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General Raji Seedling · 1 month ago

1 Reply 7 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…

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Pensions Faruk Regular · 1 month ago

1 Reply 4 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…

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General West Regular · 1 month 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?

2 1

ISAs BullVision Regular · 1 month 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?

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Trading gater Regular · 1 month ago

3 Replies 6 10 Share

QThe Pension Schemes Act 2026 just got Royal Assent

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

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Pensions Protege Regular · 1 month 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?

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Pensions FireMaN Regular · 1 month ago

3 Replies 10 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?

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ISAs CoinVoyager Regular · 1 month ago

4 Replies 11 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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65% of retail investor accounts lose money when trading CFDs with this provider.

10 4

Tax ChainNavigator Regular · 1 month ago

4 Replies 6 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 · 1 month ago

4 Replies 8 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 · 2 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 · 2 months 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…

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Pensions SatoshiTrail Regular · 2 months ago

2 Replies 16 10 Share