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| After 30 months, my £50k gain has now turned into a £20k gain :-( |
Over the last 4 weeks, I have seen an £8k drop in my ISA account and an £18k drop in my Invest GIA account - ouch!
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| T212 Net Worth (deposit £155k) |
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| T212 GIA 30/10/2026 (deposit £115k) |
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| T212 ISA 30/10/2026 (deposit £40k) |
There were quite a few small changes in the budget and it was nice to see that the 12k Cash ISA limit and 22% tax on interest inside ISAs was dropped. However, it also announced a total of a 4% rise of tax on interest for next year.
I have just added £5k cash to my T212 account, so although it looks to be at £181k that figure includes the £5k that I have just added.
A terrible month!
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| Total deposits £155k - Total gains £26.6k |
This is a temporary blip as far as I can see.
AI says this...
A very bad week for all stocks, especially Tech stocks this week! Gold and metals showed a sign of recovery this week but were still down over the whole week.
I think (hope) the market will recover next week. This is not a bubble popping. The demand for AI is strong and I expect many businesses to start announcing higher annual profits next year due to the use of AI and a reduction of their workforce for 'greater efficiencies'. I especially expect +10% increase in companies involved in retail, finance, manufacturing and healthcare. As more AI data centers get connected (plugged in to power), I expect share prices of Tech companies to pick up again.
Most investors have a main central core ETF plus 1-6 other ETFs as satellite holdings. They then may have 5-10% of their holdings in other more risky shares such as single companies.
In a taxable GIA account, it is best to stick to that one core ETF and keep adding into it as well as your satellite ETFs. Performance over the long term is key. Also the TER should be as low as possible too.
For an ISA, you might choose an accumulating ETF, but for a GIA you probably want to choose a distributing ETF because this usually means they have zero ERI and you won't need to calculate ERI every year when you fill in your HMRC self-assessment tax form.
Here are a few world ETFs you might like to consider...
I had set some stop losses on some non-ETF holdings so as prices went down this week, some holdings (approx. £13k) were sold off for a profit.
Buys
NioCorp £523
Vistra £205
Lenovo £4000
ZENAtech £100
WDC £200
Sells
Intel £158
Meta £1625
HPE £3000
CME £1100
CAT £5936
Eaton £1146
Cash
Invest GIA £8616
ISA £0
NU was my best performer this week
President Trump has managed to complicate the world economy. International trade has been hampered by tariffs and restricted passage. Executive orders have distorted the economy by lighting a fire under some companies and extinguishing others! Oil prices have rocketed, inflation, interest rates and bond yields have risen and yet gold has not. Some companies are trading at way over 100 P/E (TSLA x340, AMD x160) while others are valued at less than x20 P/E (Micron, Cisco, IBM).
It is difficult to know where to invest and how to invest safely!
Sector Investing vs. Thematic Investing
Thematic investing is often confused with sector investing, but there are some key differences. Sector investing puts investment funds into specific segments of the economy. Popular segments include energy, healthcare and information technology. Thematic investing is different; it uses broader technological advances to improve output spanning across multiple sectors. Popular themes include clean energy and robotics.
Prices went down during the week but recovered towards the end of the week. My Invest account thus stayed level but the ISA had lost over £1k this week.
After spending several years having fun chasing stocks which I hope will show me a nice profit, I have found it to be quite a challenging experience.
Across my Trading 212 ISA+GIA accounts I have 85 different holdings. This is becoming more and more difficult to keep track of. The problem is that in several cases, I have found that I should have sold earlier but I missed the declining price movement amongst all the other price movements of all the other holdings. I know 85 is way too many but I just can't help myself!
Much to my surprise, shares stayed high over the whole week. Tuesday was the best day and due to Trump/Xi/Hormuz, etc. the market saw good news.
I took advantage of the high prices to sell a few shares but also make a few buys...
I used my free trend chart to plot semiconductor stocks over the last 2 months.
0992.HK is Lenovo, WCBR.L ($)/CYSE (£) is a cybersecurity ETF, HYNX.F is Hynix, 005930.KS is Samsung and IWVG.L is an All World Value ETF whose top stock is 13% Micron MU (earnings due on Sept. 30th 2026).
I have put in for some limit orders on three of the following US stocks today and I am also watching Moderna closely too but not yet buying at the current price...
The week started badly with my T212 portfolios down £7k but they have since recovered to about the same level as at the start of the week.
