Trading 212 £189k portfolio update 2026-05-29 + tips

 A bumper week, mainly due to positive news on the Hormuz Strait.

My 1 yr IRRs are 47% (GIA) and 43% (ISA)
My all time IRRs (approx 2 yrs) are 95% (GIA) and 55% (ISA)

I decided to spend a little of the spare cash I held in the accounts to top up on the following:

Want cheaper AI - use Deepseek!

After using Codex and ChatGPT 5.5 is was very, very impressed. I subscribed to the Plus model for approx. £17 a month (first month is free).

The rise of AI and how to profit from it!

I have been using ChatGPT 5 with Codex to create html website pages and write scripts for apps - see UKCGT.xyz for an example.

I am truly amazed at the 'intelligence' of the system. There were no hallucinations or serious code mangling or reversals. It just worked beautifully. What I did in a few days would have taken me months in the past.

I can see why there is so much money pouring into AI, but we must remember it is mainly doing what other people have already done before. It uses designs and algorithms that other coders have already developed.

However, I have quickly run into a snag - and that is I am running out of £money!

You see, I bought a Codex Plus subscription for approx. £17/month (first month free), but what they don't tell you is that this limits you to a max. of 5 hour sessions and approx. 40 minutes of ChatGPT 'thinking time'. After that, it wanted me to upgrade to a £100/month subscription or wanted me to wait a week for my next month's subscription to start.

This started me thinking. Many businesses are starting to see the power of AI. Many businesses are reducing their staff and paying AI subscriptions instead. Only 3 junior staff are needed where 10 were needed before, because those 3 can do the work of 10 and are good enough to check the work for bugs, etc.

So I can see the AI revolution timeline like this:

Trading 212 £182k Portfolio update 22/05/2026 + tips

Not much change. The two portfolios went down a lot but then slowly recovered.

I topped-up in the Invest account and made a few new buys...

Trading 212 £182k Portfolio progress update 15/05/2026

It was all going so well until Friday!

At the end of Thursday my T212 portfolios totalled £186k and my Invest account reached 100% IRR - but then came Friday...

I still cannot complain though as my IRR numbers are still is Invest 86% and ISA 42%.

Recent purchases

New share capital gains calculator site ukcgt.xyz is born!

Yesterday, I quickly created a new website at ukcgt.xyz. Since .co.uk and .com were already taken, I went with the .xyz domain as easy2boot.xyz uses it and it was the cheapest!

The new Hostinger site uses the same code as the ukcg page on the easy2boot.xyz site. I will put a link on the easy2boot.xyz page to point users to the new site soon.

Trading 212 and Interactive Investor .csv files have been well tested. I have also tested one Barclays .csv which seems to work OK. The cgtcalculator.com format and a few others are also supported (you can paste the text in or load in from a .txt file). Hargreaves Lansdown csv support has also been added.

The new UKCGT site has a Forum, so please feel free to ask questions or report issues.

If you want support added for a broker format, I must send me an example .csv file of a real UK-based account. You can mangle any ID numbers if you wish and reduce the rows, but any heading lines at the start should not be omitted or changed (I would prefer a freshly downloaded file - preferable one with an example of different types of orders and some stock splits).

Simplest format for data entry

You can type or paste in a simple format such as the one below, with just the number of shares (qty) and price per share in £ if you wish.

B  01/03/2018   SWDA                 1000         3.6093        

B  28/08/2018   SWDA                 1000         4.1565     

S  28/11/2019   SWDA                 2000         4.6702      

B  05/12/2019   SWDA                  500         4.7012         

B  12/02/2020   EQQQ                  150         210.45         

B  18/03/2021   EQQQ                  100          247.8        

S  04/04/2021   EQQQ                  120          305.6         

B  10/06/2021   EQQQ                   50          299.2       

S  15/03/2022   EQQQ                   80          318.4   

Two extra columns for fees and tax will be added as zero when you click Calculate. The Price per share you use should be the Net price - e.g.  (total cost + tax + fees / no. of shares) = net price.

Other calculators

I have given links to some other calculators if you want to compare results.

UKCGT - Capital Gains calculator for Trading 212, Barclays, Interactive Investor, LightYear, AJ Bell and cgtcalculator.com files

In just a matter of a just few more hours, with the help of ChatGPT and Codex, I have made a Capital Gains calculator page on a new website which accepts T212, Barclays, Interactive Investor and some other formats.

https://ukcgt.xyz

It has a 'Test' button if you want to try it quickly on a few trades.

It should give the same results as the cgtcalculator.com or the UK Tax calculator sites. I have tested it on T212, ii and Barclays .csv files. It also works on pasted or loaded trades text which are in the cgtcalculator.com format. I have not tested it much on the other broker formats as I don't have any current .csv download files.

This makes calculating Capital Gains much easier, especially if you use more than one broker.

How I made my 'cgtcalculator.com' converter and web apps using ChatGPT

I wanted to make a converter utility which would turn a transaction report downloaded from Trading 212 into a format suitable for cgtcalculator.com. Initially I asked ChatGPT to make it in Python, but later I asked it to make an .html page with the script inside it.

The initial development of the Python code took about half a day using ChatGPT. The next day I added the html code to my easy2boot.xyz website as a 'private' page which you can see here.

The HMRC 30-day share matching rule explained

When calculating capital gains tax, UK investors have to allow for three important HMRC rules which affect the 'cost price' of the shares that you sold. The cost price is important because it is used to calculate the gain or loss...

The gain/loss is                NET SELL PRICE   -  NET COST PRICE

Trading 212 £183k Portfolio progress update 8/05/2026

Overall I am up £8k this Saturday morning after a very good week due to good tech stock reports this week. Over 300 of the 500 companies in the S&P 500 have now reported their latest quarterly results.

Overall, I am now £43k up after 26 months of building up my accounts (£140k total deposits) and they are showing pretty good IRRs. It would be a shame to feel the effects of a market collapse now!

Invest IRR is 91% (49% last 12 months)       ISA IRR is 45% (46% last 12 months)

Save Tax! Don't use your broker's (e.g. Trading 212) annual report to report your Capital Gains Tax to HMRC!

Trading 212 have one of the best broker  platforms and they produce nice monthly and annual tax year statements. Your 2025 tax year statement should be ready now - but you should NOT actually use the Total gains/loss figure in the annual report of your Invest GIA  in your HMRC self assessment return.

For example, In my Trading 212 - Invest account, I go to Documents - Account Statements - Annual Statements and download the PDF for the 2025 tax year.  This showed me a 'Closed result' for the 2025 tax year of £2,755.

Trading 212 £174k Portfolio progress update 1/05/2026 + tips

Net deposits on Trading 212 are currently: Invest £100k and ISA 40k (only recently added 20k) so I am £34k up at the moment. Here is the result on this morning of Saturday 2 May 2026:

Invest IRR 72%    -          ISA IRR 31%

I still have £4k as cash in the ISA and £10k as cash in the Invest GIA.

I took some profits on some holdings (AMD, ARM) in the last 2 weeks.

Note: If you save £175k into a SIPP and add £200/month every month - you should easily become a millionaire in 20 years (assuming 8%/year gain of shares) - if not a lot sooner!

Current Holdings