Stock Tip - Sage plc seems good value to me

 Full disclosure - I hold shares in Sage (currently at a loss). I intend to sell my shares before April 5th to generate a loss for CGT purposes and then rebuy inside my ISA after April 5th and increase my holding.

As well as being undervalued, it has a good dividend yield and good future growth.

Here is ChatGPT's view on Sage.....

How I use AI for investing

AI can hallucinate (it makes stuff) and can lie, however it can be very useful to get some ideas on investing.

Many analysts reduce the current global economic cycle to four big forces:

Trumps latest tariffs - what shares am I buying now?

DJTs latest petulant fit of pique seems to be the final nail in the coffin for non-USA investors. It seems that Europe do not want to depend on the USA for goods and services any more, and many large, unfinalised USA contracts are now on hold or even cancelled.

In particular, very large European defence contracts and energy contracts with the USA are in jeopardy.

This gives an even greater boost to EU and UK defence companies and also to large Emerging Markets companies, especially those in Korea and China.

T212 Trading £157k update 2026-02-20

I have not made many changes in my Trading 212 ISA or Investment accounts in the last month except for the selling of my FTSE RAFI PSRU ETF shares as the ETF was closing down.

I am trying to diversify my holdings but still select countries and sectors which I think will do well in 2026.

Trading in March 2026?

I suspect there will be large swings in the stock markets in March 2026.

We should be ready for them, either to sell or buy. Perhaps even look for leveraged ETFs?

The Swiss Franc, EU Euro and UK Pound are stronger gold currencies than the US Dollar...

The GBP/USD rate has shown the USD has dropped in value all February...

Now is the time to think about Tax Loss Harvesting!

If you live in the UK you will be aware that April 5th 2026 is the end of the tax year. Since it is a Sunday, Friday April 3rd 2026 is the last trading day.

If you have investments in a General Investment Account (GIA) such as a Trading 212 Invest account, you should be thinking about Tax Loss Harvesting (TLH) now.

If you want more details on what TLH is, I suggest you ask ChatGPT about Tax Loss Harvesting in the UK (but don't believe all it tells you!), but here is what I am currently considering.

If you have a GIA, then you probably have already maxed out your ISA(s) with the full £20k allowance.

So we now have to think about:

My favourite FTSE ETF (PSRU) is about to close!

Yep, one of the best FTSE ETFs, in my opinion, was and is PSRU but it is sadly, closing very soon.

A free tool for Trading 212 UK Capital Gains Tax calculation!

If you have a Trading 212 Invest account, you will probably need to calculate your Capital Gains tax after May 6th 2026.

Note that the annual report from Trading 212 does not account for the HMRC 30-day rule or the same day rule to determine which shares have been sold. Any sell is first matched against...

1. Shares bought and sold on the same day
2. Shares acquired within the 30 days after the sale (on a ‘first in, first out’ basis)
3. The Section 104 holding pool (any other of the same type of shares: total paid / qty)

I have made a Windows executable that converts the .CSV files which you can download from Trading 212. A web page is also now available so no utility is needed.

On the T212 site, select your Invest account and then use:

'Trading 212 - History' 

and my program will convert your downloaded .csv file into a suitable text file (.txt) which you can then load into the free cgtcalculator.com online app. 

The steps are:

A good month for silver, gold, copper and miners (but not for SMRs)!

 I hold the following stocks and ETFs listed in the table below in my Trading 212 accounts.

The current price change (last column) is calculated using the average price over approx. 30 days.

Invest in Pawn (gold)?

On 19th September 2025 I wrote a blog article 'Is Pawn good for you?'.

In that article I suggested that we take a look at FirstCash FCFS and Ramsdens RFX.