Trading 212 Update 2025-10-24 + tips

 Another exciting week of ups and downs!

Weekly progress report

The table below shows the weekly stats for the last 7 weeks on my T212 accounts:

Avoid paying too much tax or too little tax on Accumulating ETFs (UK, Austria, Denmark, Switzerland)?

Accumulating ETFs don't pay out dividends, so you don't pay dividend tax on them - right?

Uhh - WRONG! - you may still need to declare and pay dividend tax each year to the tax man!

If you are a tax resident in Austria, Denmark, Switzerland or the UK you may be paying too much tax or not enough tax on your ETFs! Not only that, but you are probably not declaring your income correctly and you could wind up in trouble with the tax man (or tax woman)!

Does this apply to you?

Trading 212 Update 2025-10-17 - Trump's black Friday

Another exciting week!

I did some day trading by selling some shares that were dropping and then re-buying them at the bottom. I also have 5K in cash now.

Weekly progress report

The table below shows the weekly stats for the last six weeks on my T212 accounts:

My SMR Pie is up 20% in two weeks!

It seems the Nuclear SMR industry is now flavour of the month.

People are beginning to realise that wind and solar are not going to solve the energy crisis, it is more expensive than fossil fuels and too much wind and solar can actually destabilise the grid!

The world needs more electricity. Massive AI and Data centers need Gigawatts of power 24x7 and they need their own source of power.

The (only) viable answer we have left is to generate heat to drive good ol' steam turbines by using nuclear fission.  Since large reactors take about 10-15 years to plan and build, big companies and governments are looking to SMRs to save the day (see my previous article 'Investing in SMRs').

For anyone who wants to get to the truth about green energy and Net Zero - see this video (and others by Kathryn Porter)...

Final report on The Great Currency Hedge Experiment (2025-10-13)

Eight weeks ago on Monday 18th August I bought £50 worth of shares in 10 various hedged and unhedged ETFs.

The idea was to study what the real-world effect of holding currency-hedged ETFs is, when compared to holding unhedged equivalents. I also bought my favourite FTSE 100 RAFI ETF PSRU to compare this UK ETF with US ETFs just for fun.

Here are the 10 ETFs listed in order of descending unrealised gain after 8 weeks (ETF currency shown) - actual profit after selling in last column.

Trading 212 Update 2025-10-10 - Trump strikes again + tips!

Typical! - Just when it was looking like a bumper week, Trump sends out an X tweet at around 4 p.m. BST and the whole stock market dives!

Here is the picture for my T212 ISA after the dust settled on the morning of Saturday 11th (today). Some after-hours trading saw a slight uptick and a few more green squares started to appear late on in Friday's market...

UK Government are not committed to Rolls-Royce SMRs... yet!

Starmer has already signed deals with the USA for US SMRs to be built in the UK.

Many people think that Rolls-Royce RR SMRs will be built in the UK and elsewhere, and so they are investing in RR shares. However, this document is asking for justification on the use of RR SMRs in the UK although it seems US SMRs are already going ahead in the UK.

UK Government spends £860m on air-source heat pump grants!

The UK gov. is spending £860m on decarbonisation projects. Most of this money is being spent on replacing perfectly good gas boilers in public buildings with air-source heat pumps.

207 public sector organisations have been awarded grants for 245 heat decarbonisation and energy efficiency projects.

Trading 212 Update 2025-10-03 + more tips

This week has shown a very nice uptick. 

The table below shows the weekly stats for the last four weeks on my T212 accounts:

T212 Accounts

Deposit  Age      12 Sept.  19 Sept.  26 Sept. 03 Oct   Result(wk) (IRR since start)      

£20,000   6 mths  £24,700   £25,083   £24,619  £25,225  £631       (27% - 20k lump sum in April)

£70,000  14 mths  £76,474   £78,574   £78,415  £80,057  £1,698     (45% - DCA in chunks - 26k added Aug.)

Overall gain this week is +£2,329 (last week was -£622).

So my £90K T212 accounts (£20k ISA + £70K GIA) now total £105K (+£15,282 gain).

Top performers this week...

2025-10-02 Todays Stock risers

Stock market is up @ midday today 12:00 BST UK.

Of note are Ashtead Technology AT (8%), AMD 3.35%, COINbase (2%), ASML (3.6%), CoreWeave CRWV (2.7%) plus many others in the 1%-2% range.

Thales HO (defense company) is up 23% in 1 month, Siemens Energy ENR is up 11% in last week.

Nebius Group NV NBIS on NASDAQ is up 5% today and 78% in the last month due to a large deal with Microsoft...

Buy and Forget - a simple two ETF portfolio!

Many people would like to invest for 5 years or more but do not want to actively trade - they just want to invest a lump sum (and maybe add to it every month or 3 months).

Many years ago I decided to entrust an inheritance to Fisher Investments. They have an annual charge of approx. 1.5%/yr and there is also an initial on-boarding fee for life planning, etc. Fisher very much believe that, provided you have other means of support (e.g. adequate pension and you own your own house), 100% equity investment is best (no bonds or cash). Their fund is basically the same as the SWDA MSCI Core Global ETF but with a few tweaks depending on the current economic climate. For instance, because of Trump's election, they increased their portfolio weighting of European stocks.

As you can see from the charts below, Fisher's fund (Purisima Global Total Return B - shaded blue line) has basically followed the SWDA ETF.