Trading 212 Update 2025-09-27 + tips

This week has been down overall for me. The first few days started well but there was a small correction on Thursday and Friday.

T212 Accounts

Deposit     Age       12 Sept.   19 Sept.   26 Sept.     Results(week) (IRR since start)      

£20,000    6mnths     £24,700    £25,083    £24,619      -£463         (24% - 20k lump sum in April)

£70,000    14mnths    £76,474    £78,574    £78,415      -£159         (37% - DCA in chunks - 26k added Aug.)

Overall loss this week -£622.

In my Invest account I bought Tesla, GRAB and Honest.

T212 Invest holdings (GIA)

In my ISA account:

Manolete Partners had been steadily dropping from 99p at the start of the week to 88p. I sold at 90p taking a £120 loss.

I trimmed some of my other holdings and crystalised a profit on them as their prices were going down.

I topped up or added WisdomTree Europe Defence, BME, Sylvania Plantinum and Global X Defense Tech

T212 ISA Holdings

Here are my top ISA holdings by value by the end of the week...

T212 ISA Top holdings

Tips

Minerals are looking strong (Uranium, Platinum, Silver, Gold, etc.). Sylvania Platinum is looking good (SLP hold for Q3/Q4 - I have £700 and may add in more).

I have also invested £1000 in GreatLand Resources (GGP)

SOFI went down this week so I topped up a bit.

DMAG Disruptive Materials went up 8% this week.

BME went up 5% and is finally taking off.

IREN (FSP) was looking good at the beginning of the week, but dipped at the end. (bought £800 - currently at £725)

NOVO went down all week. I may buy more next week at a lower price.

BOWL still hasn't picked up. I reduced my holding to £250 recently but I will buy again soon as I expect Q3/Q4 results to be good.

McEwen MUX was up 8% this week (45% in 1 month). I am up 17% on this and may buy more.

I needed some cash and so I reduced my Rolls Royce holding. I am not sure RR has much more to go before end 2025. The UK gov seem to be awarding contracts to US SMR companies and there are multiple contenders for the EU including France. No RR SMR has yet been started (one may start in Czech Republic this year - but not completed until 2035) and the technology is unproven. Nevertheless, RR has a strong buy rating.

Note: The  £20K T212 ISA is my 'play' account where I trade more (tax free) and take risks (often stupid risks!). However, I rarely 'bet' more than £1K on any volatile single company and I have a rule to always cut my losses if any show a >20% LOSS. I have other investment and ISA accounts where I hold long-term ETFs.

In the past, betting on miners, crypto companies, AIM stocks and IPOs has always ended in tears for me. My recent brush with Manolete however, shows that I have not yet learned my lesson!

I have a wide diversity of holdings at the moment which are really too many to manage, but my IRR rates are still pretty good - although just buying Gold (SGLN) would have performed better - if only I had a crystal ball...

Like Warren Buffet, I have a position with United Health UNH which I intend to slowly increase when any small dips occur.

The Great hedging experiment

Unhedged US ETFs are still beating hedged ETFs.

Market Outlook

New data suggest Americans are sitting on a big pile of cash. According to research shop Crane Data, assets in money-market funds reached a record $7.7 trillion last week. 

So $USA dollars are flowing into gold and MMF. This indicates that following a correction, there may be a massive influx of new money into equities. The next three weeks may be quite turbulent for the market (US gov. shutdown, tariffs, etc.). A pullback is possible. I will be trying to whittle down my ISA holdings and collect some cash inside my ISA in anticipation of picking up cheaper shares after a pullback. If there is a large correction, I may even top up my Invest account from my bank savings account too!

Just use THIS LINK to get your free T212 shares once you have put some money into your account. I will also get some free shares too :-)

Good luck,

Steve

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