Trading 212 Update 2025-10-24

 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:

T212 Accounts

Deposit  Age    12Sep   19Sep   26Sep   3Oct    10Oct   17Oct   24Oct   Result(wk) (IRR since start)      

£20,000  7mths  £24,700 £25,083 £24,619 £25,225 £25,622 £25,790 £25,919 £129       (ISA 30% - 20k in April)

£70,000 15mths  £76,474 £78,574 £78,415 £80,057 £80,138 £80,503 £82,059 £1,556     (GIA 50% - DCA over 15mnths)

Overall gain this week is +£1685.

So my £90K T212 accounts (£20k ISA + £70K GIA) now totals £107.9K (+£17,978 gain).

Approx. 4K of this is currently held in cash.

I have switched some of my larger Accumulating funds in the GIA account over to Distrubiting ETFs (WRDD, IWDD,WITS, XSTC) to make the dividend tax calculations easier, as it is looking like my dividend+ERI total for the 2025/26 tax year will exceed £500 if I had held the accumulating ETFs on the reporting days of 30/11/2025 and 31/12/2025. EQGB is a hedged ETF and does not report ERI/dividends.

Here are the maps of my two T212 accounts as they are today:

82K GIA Account

26K ISA Account

I still have a few smaller holdings in Accumulating ETFs in my T212 Invest GIA account and I may sell these in the next few weeks (before 30/11).

Note, due to the 30-day UK tax rule, I cannot buy them back again in any of my GIA accounts in less than 30 days after I sell them, or the sale will not be counted for tax purposes.

SMR Pie

My £3K SMR Pie of 9 companies has gained 7% since it was started on the 28th September, 4 weeks ago.

Tips

I have no new tips for next week. The nuclear/uranium sector is still looking strong, but even gold suffered a correction last week.

For all my trading within my ISA (many buys and sells), it seems I would have been better to just buy some accumulating World and S&P ETFs and chill!

The next few weeks are going to be very volatile, important dates are around Nov. 1, 10th and 26th and I have no idea what shares will boom or bust during this next month. 

I am looking at simply investing in World and IT ETFs with any unallocated cash.

I still quite like Caterpillar CAT, of which I have recently bought £1.5K.

And I think BOWL should start to take off if they release good results in the next few months.

I may top up on these next week.

I Sold my Accumulating ETFs

In my Interactive Investor GIA, I have sold my Accumulating ETFs and now hold £23K in cash. I am looking to buy WITS, WRDD, RBOD and/or VWRL (all distributing) with the £23K but I am hoping to buy on a dip when/if a correction occurs over the next month.

Note: Holding Accumulating ETFs held in Nov/Dec 2025 will mean I have to declare ERI in the 2026/2027 tax year as the distribution date for them will be June/July 2026. I sold them in October so I don't have to calculate ERI on them each year! See previous blog for why I am doing this.

My sales of the Accumulating ETFs will have crystalised a gain and so I will have exceeded the £3K CGT allowance for this tax year, so I will have to pay some CGT next year for the 2025/2026 tax year  :-(