When To Sell? Your Top Money Questions Answered

We answer your biggest money questions.

Gluten free bagel recipe:

And yes, Trading 212 offer a flexible ISA.

Btw if you want to sign up for a Trading 212 account then if you use our code MM you'll get a free share worth up to £100 if you deposit at least £1.

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Disclaimer:
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Chapters:
00:00-00:09- Intro
00:09-05:18 - When to sell and when to buy?
05:18-13:31 - Is it wise to sell investments when switching?
13:31-14:22- Manual ad
14:22-17:44 - Switching from income to accumulation?
17:44-22:05 - Where to put a lump sum in the short term?
22:05-22:55 - Vanta ad
22:55-25:09 - What to do with the tax free lump sum at 55?
25:09-29:15 - Should you spread pots or stick with one choice when supplementing a pension?
29:15-34:09 - How to ethically invest easily?
34:09-37:11 - What to do with old workplace pensions?
37:11-37:36 - 80% of everything you need to know about personal finance

[BagelKing]

Gluten-Free Bagel Recipe

Ingredients:

2 cups gluten-free flour blend (with xanthan gum)

1 tsp baking powder

1 tsp instant yeast

1 tbsp sugar

1/2 tsp salt

3/4 cup warm water

1 egg (for egg wash)

Optional toppings: sesame seeds, poppy seeds, etc.


Instructions:

1. Mix Dry Ingredients: In a bowl, whisk together gluten-free flour, baking powder, yeast, sugar, and salt.


2. Add Water: Gradually pour in warm water, stirring until the dough forms. It should be slightly sticky but firm.


3. Shape Bagels: Divide the dough into 4 pieces. Roll each into a ball and poke a hole in the center to create a bagel shape.


4. Boil Bagels: Bring a pot of water to a boil. Drop each bagel in for about 1 minute, flipping halfway through.


5. Bake: Preheat the oven to 375°F (190°C). Place boiled bagels on a parchment-lined baking sheet, brush with egg wash, and add toppings.


6. Bake for 20-25 minutes until golden brown.



Enjoy your gluten-free bagels!

[dm_psych_]

I was searching EVERYWHERE for a decent gluten free bagel recipe, really disappointed to find one hasn't been put in the description 😂

[AgileSnowWeasel]

Number Six - you need the money because you've got a hole in the roof and you already spent the emergency fund on a replacement car because something something pothole oilpan turbo. Loans are still 6%+ so it's better to sell a dividend stock with a lower yield (or a stock you feel won't grow in the short term), and then rebuild the portfolio later on. It's a tough balancing act, but IMO better to sell stocks than to take on debt.

[cybetica]

Options for transferring assets between (share) ISAs, is to just wait until you sell something, and then transfer the cash value as a partial transfer at that point, and repeat over time (without rush) until the old ISA is empty. That way, it's a little more straightforward, and can allow for transfers from a larger number of providers (if they have Stock transfer restrictions). As for selling shares more generally, there is nothing to stop you selling half (say) to lock in a gain on that proportion, while leaving the rest in the market for any further growth, or if the price falls limiting the loss to a smaller portion of your original holding.

[jam]

Buy/sell spread! Happens on ETFs (and almost everything else) but not on OEICs. So if you want to change an INC to an ACC then you need to take this into consideration, aswell as any trading 'fees'.

[davidbaker]

Another great one lads. One thing to add though, you can simply trim a holding to reduce a perceived risk

[johnjones]

Always great work guys. Looking for to listening to the whole video this evening

[steve]

50K going into premium bonds for 6 months would only give you 4 or maybe 5 draws and you will still need luck just to win £50! I would put 20K into an ISA in T212 and get 5% tax free, then rest in T212 GIA account as CSH2 ETF and get 5% for 6 months = £1750 which is below 3k CGT threshold and so is tax free (all put all 90K in CSH2). So no tax and £2.25K gain!

[MrFrosty]

On the question of migrating a portfolio from one provider to another, how about this specific scenario. Let's say selling up a 50K portfolio from HL to move into another platform's SIPP as a higher rate taxpayer. Even with the dealing fees and CGT, surely nothing beats the instant 40% debt relief on top of the 50K (40% of 50 is 20K) for 70K total cash. Can just buy back the previous positions with money to spare.

[gregchinner]

I feel Damian really got burnt with Oatly considering how much he mentions it 😂

[velogoo]

what happened during the first question that meant Timeyin had to change his shirt?😮

[dmb]

Paying more into your employers pension can be beneficial over a SIPP if the employer offers salary sacrifice as you will not pay national insurance on the way in. NI is payed at payroll and can't be claimed back for a sipp. My employer vis USS offers a defined contribution element which you can pay into a selection of trusts that the scheme runs with no management fees.

[Abdul_Rahman]

I absolutely love this podcast!
This was a great episode

[justintrainer]

Great vid team, I'm now teaching my kids about index funds and the power of compound interest (dad of the year, I know) 😂 Like more and more people, I am getting some of my comp in vested shares which makes me feel exposed to my employer (remembering Kodak and Nokia) but wondered if there is benefit to selling the shares and moving them to a index based S&S ISA ? Any thoughts appreciated.

[andyodoherty]

Stop loss also Stop Gain are good trades to put on ahead of time recently did this and so happy now with BT

[DBk]

What fish got to do with this video 😂🎉... Great questions and answer's

[notwkrail]

Tranfer of pension ito a sipp is straightforward as long as its under 30000. Then it costs money

[Phil_AKA_ThundyUK]

My brother and I had £100k in Premium Bonds for 9 months won £25 between us. Consider that for PBs. They can be very, very crap.

[youtubename]

I'm 35 and aiming to retire at 45. Doing this by building up 3 accounts; S&S ISA, LISA, Pension.
45-57 = funded by S&S ISA
58-67 (although it will probably be 70 by then) = funded by LISA
68-death = funded by pension

Also building up JISAs and JSIPPs for the kids.

[paulwheatley]

Just out of interest what is your Vanguard SIPP made up of ?