Trading 212 Update 2025-11-28 + Tips

My two Trading 212 accounts have recovered a lot this week and I am almost back up to the all-time highs of October. The contents of my portfolios are shown below:

£100K Invest GIA

£20K ISA

I have deliberately adopted a 'spray-and-pray' policy for a widely diversified portfolio. During 2026 I hope to simplify both portfolios considerably as the markets become less volatile.

T212 Accounts (£)

Deposit   Age   12Sep 19Sep 26Sep 3oct  10Oct 17Oct 24Oct 31oct 7Nov   14Nov  21Nov  28Nov  Week  (IRR)      

£20,000   8mths 24700 25083 24619 25225 25622 25790 25919 26077 24619  24202  22856  24365  +1508 (ISA 22%,20k in April)

£100,000 16mths 76474 78574 78415 80057 80138 80503 82059 84871 111359 111708 107255 113425 +5947 (GIA 50%,DCA)

30K was transferred and added to my GIA Invest account around 5th November from my ii GIA account.

My overall GAIN on T212 this week is +£7,455 which basically equals the losses of the previous week.  I am about £2.5k down over the last 4 weeks however still.

My IRRs of 22% (lump sum for 8 months) and 50% (in 16 months DCAing) are not too bad. These average at 33%/year which is not spectacular but better than SWDA which would have shown 10-15% gain. I hold the more riskier shares in my ISA, as I buy and sell these more frequently than shares in my GIA Invest account. Many shares in my ISA may not show a gain for a few months or longer. Shares in my GIA will be held for years rather than months but I usually sell some each April to move £20k into the ISA.

I currently have now no spare cash left in the T212 Accounts, having bought more this week while share prices are cheap.

Some of my GIA top ups this week are shown below:

Tips

Silver has continued to do very well this year and many people believe that Silver and Gold will continue to improve.

If you want to take a very big risk with a portion of your hard earned savings, then here is a Pie that could show you amazing gains. These x3 leveraged ETFs can show dramatic gains or dramatic losses...

If you believe that each of these will perform well, then you could try a small Pie for a thrilling ride!

Personally, I would omit the x3 S&P 500 holding and just have a Pie of x3 STOXX Banks, x3 Silver, x3 Gold and x3 NASDAQ. I have held these in the past with good results but you need nerves of steel and it is obviously best to buy these when they are each at a low point.

I buy these within my ISA so that I can sell without any tax penalty at any time.

These leveraged ETFs are intended for short term (day) trading, but many professional investors (such as Alpesh Patel) hold leveraged x3 ETFs in their own portfolios.

I bought £1K of 3LSI (silver) when I saw a sharp uptick on Friday and made a quick £62 gain so far...

For a more conventional tip, have a look at MBX Biosciences. All drug companies are risky however  smaller companies tend to rise and fall on hype and over-optimistic news releases - so be careful!

Please do your own research and don't invest more than you can afford to lose on these 'wild' bets.

If you can't stand large losses, just invest in an MSCI Global ETF like HMWS each month!

Use this link to join Trading 212 and get up to £100 free shares!