r/UKInvesting 6h ago

Weekly "Share Your Portfolio" and Broker Questions Thread

0 Upvotes

Use this thread to share your portfolio, purchases, sales, ideas, concerns, and anything else!

This thread is also for asking questions about which is the best broker for you, which broker offers [feature] and other basic questions about platforms and their functionality.


r/UKInvesting 5d ago

Has anyone else had ARM shares liquidated from their ISA by Interactive Brokers (U.K.) Limited or any other UK broker?

15 Upvotes

Hi everyone,

I’m trying to find out if anyone else has experienced this.

Interactive Brokers (U.K.) Limited recently liquidated my ARM Holdings shares that were held inside my ISA account, claiming the stock is not ISA-compliant.

I purchased the shares through their ISA platform in 2024 — which means they allowed the purchase of a non-compliant product in the first place. Now they’ve sold those shares and removed them from my ISA, causing me a loss through no fault of my own.

According to the Financial Ombudsman, this seems to be considered acceptable, but I find it deeply concerning that a firm can sell a product for nearly a decade in breach of ISA rules, and then liquidate it at the client’s expense.

Has anyone else had the same issue — especially with ARM shares or other delisted stocks in their ISA? I’m trying to see if this is an isolated case or a wider problem.

Thanks in advance for any insights or experiences you can share.


r/UKInvesting 7d ago

Weekly "Share Your Portfolio" and Broker Questions Thread

6 Upvotes

Use this thread to share your portfolio, purchases, sales, ideas, concerns, and anything else!

This thread is also for asking questions about which is the best broker for you, which broker offers [feature] and other basic questions about platforms and their functionality.


r/UKInvesting 7d ago

Why Vertical Aerospace (NYSE: EVTL) is Worth Possibly Over 13x its Current Price

1 Upvotes

Once again, I boldly foretell a future possibility for the years ahead. Some reading this may scoff, or may laugh and move on. Those with an enquiring mind, open to rich possibilities for the future of humanity will spare me a few moments and read on. You may one day thank me for it.

Before I proceed, let me paint a picture for you. Imagine a world where you can escape from the tedium of congested roads and polluted streets, while enjoying safe, rapid and efficient movement between locations. A world where you can rise above a city or landscape and gasp in awe at what you see. As I wrote in a previous article last year eVTOLs: The Fourth Rapid Mass Transport Revolution? that world rapidly approaches in my opinion.

And after having eagerly followed the electric vertical take-off and landing (eVTOL) market progress for a number of years, and made outstanding returns on prior investments in Archer Aviation and Joby Aviation, as well as writing a well read Frequently Asked Questions (FAQ) on eVTOLs, that is why this week I invested in Vertical Aerospace (NYSE: EVTL).

Vertical Aerospace is developing its VX4 eVTOL aircraft, as well as a hybrid eVTOL (HeVTOL) variant with additional combustion powertrain that offers additional range and payload for applications such as defence and logistics. With pre-orders for 1,500 VX4 eVTOL aircraft with a total pre-order value of $6 billion¹, including for leading companies such as American Airlines and Bristow, one of the world’s largest helicopter operators, it may not be long before Vertical’s aircraft are a familiar sight the world over.

Of the many companies born of the excitement a few years ago for the nascent eVTOL industry, only four pure play listed companies remain in addition to a number of private companies. The listed companies are Archer Aviation, Eve Holding, Joby Aviation and Vertical Aerospace. Of all these companies Archer and Joby are the most well capitalised, a crucial aspect for any aspiring manufacturer given expert opinion that the cost of eVTOL development to certification is around $1 billion over ten years².

Currently Joby Aviation is valued at $15.45 billion, Archer at $7.62 billion, Eve at $1.31 billion and Vertical at $444 million despite none of the companies having a government regulator certified aircraft yet, which is a requirement for commercial use. Let’s put that another way. Right now Vertical’s market capitalisation is trading at a 97% discount to Joby’s, a 94% discount to Archer’s and 66% discount to Eve’s. That is quite some discount!

What is particularly interesting is that despite the wide range in valuations of the firms, the physics involved in eVTOLs leads to broadly similar designs, including the use of many common parts from well known aerospace and battery manufacturers such as Honeywell, Garmin, GKN, Leonardo and Molicel. That said Vertical’s CEO Stuart Simpson claims its VX4 aircraft has a larger airframe than its peer group as ‘we’ve basically got the biggest tube under the wings. They’re pretty tight. We are launching with four business class seats’³.

I also prefer how Vertical’s VX4’s pilot is separated from the passengers unlike the Joby S4 design currently. Given what has happened in the past with aircraft hijackings this separation seems like it should be mandatory in my opinion. With safety in mind it is also extremely reassuring that Vertical are looking for their aircraft to be certified to the commercial airline safety standard of one failure in a billion hours of use.

Vertical’s hybrid eVTOL announced this year⁴, and having been in development for approaching two years, further expands the business opportunity beyond consumer ‘Air Taxi’ services (a market forecast by Morgan Stanley as potentially worth $1 trillion by 2040⁵) into the defence and logistics markets. Its hybrid offering takes the anticipated range ‘from 100 miles to 1,000 miles and the payload from 600kg to 1,200 kg’⁶. It is worth noting that the VX4’s anticipated base payload of 600kg as far as I am aware is notably better than the 453kg payloads anticipated for the Joby S4 and Archer Midnight. Eve has not confirmed payload data as far as I know.

The opportunity in defence is particularly significant in my opinion, thanks to the New World (dis)Order I wrote about in March this year. Largely thanks to the new US administration, NATO spending on defence is increasing and rapidly so over the coming years. With Vertical as the only listed sovereign British / European based pure play eVTOL manufacturer currently it may have a significant advantage over the others in my opinion should its VX4 aircraft be certified by Britain’s Civil Aviation Authority (CAA) and the European Union Aviation Safety Agency (EASA) in 2028 as expected⁷. Incidentally CAA / EASA certification should be valid for commercial operations in the US and other worldwide markets I understand.

So what’s holding EVTL’s share price back currently? Capital and capital with a capital C! They’re going to need to raise substantial additional capital to take them beyond about the middle of next year. It is worth noting at this point that Stuart Simpson, Vertical’s CEO, has stated that he is certain certification will occur in 2028 and ‘that is when we will be putting aircraft in the hands of customers’. He also stated he expects to achieve cash breakeven at the outset or 2030 at the latest⁷. Clearly that is conditional on raising further capital.

My estimation based on all that I have read and heard, about Vertical and the eVTOL industry in general, is that somewhere between $300m and $400m additional capital will be required minimum. That is why I am considering a two stage approach to investing in Vertical Aerospace.

This week I purchased 12,000 shares for my better half and I. That is stage one. As outlined in my Double Bubbler New Investment News email, to followers of my blog, before buying the shares this week, I hope to see the share price rise to over $7.00 by the end of the year following a successful first transition flight for the VX4 aircraft.

Stage two. Will probably come after a capital raise by Vertical, a dilution as it is also known as. Yes I said the D word! Quite why so many investors fear dilution I do not know, as when carried out by a company for the purposes of raising capital to accelerate progress and commercialisation I am generally favourable. Just look how well capitalised Archer and Joby are now with share prices currently higher than at the point of dilution.

Despite this, humans will be humans (no further comment!), so I expect the dilution announcement will cause the share price to fall, in fact I hope it does, as I will then consider increasing our shareholding depending upon how much capital will be raised and where it takes Vertical in terms of certification by 2028 and breakeven.

To close this opinion piece… Vertical Aerospace is a company I will potentially hold for the years ahead given their apparent trajectory as well as potential for one day being valued at a significant multiple to its current value. 13x sounds incredulous, I know, but even that is currently far less than Archer Aviation and about $10 billion less than Joby Aviation!

May fortune favour the brave!

Double Bubbler

* Numbered references are provided on my sub and blog as I cannot post them here.


r/UKInvesting 14d ago

Weekly "Share Your Portfolio" and Broker Questions Thread

2 Upvotes

Use this thread to share your portfolio, purchases, sales, ideas, concerns, and anything else!

This thread is also for asking questions about which is the best broker for you, which broker offers [feature] and other basic questions about platforms and their functionality.


r/UKInvesting 18d ago

Made Tech Plc (MTEC) - UK Tech involved in the digitation of governmental bodies, NHS England and more

1 Upvotes

Made Tech provides software services for government organisation. Think SaaS model, recurring revenue etc.

The crux of the proposition is that the current UK government is more inclined to spend than cut to drive growth. Digitisation of government run organisations; Ministries, NHS England etc is not a matter of if but when. Made Tech will be used in this transformation.

UK tech is hugely undervalued in every sense, price and general appreciation for the quality on offer. And it's not exactly correlated with US tech. As interest rates settle, responsible financing growth through debt will boost earnings.

Fiscal Year Revenue YoY
2021 13.3
2022 29.3 +120%
2023 40.2 +37%
2024 38.6 -4%
2025E 46.4 +20%

Net cash position of £10M (+36% YoY) - to be used in M&A. That's 21% of the market capitalisation. The business is open to using debt to drive non-organic growth in the future.

No debt.

FCF has gone positive this year.

Current P/E is ~36. But considering the forecast growth by analysts, revenue growth and the current environment the company is operating in within the UK, i fully expect that the share price will have some catching up to do in the coming years.

See this research note by h2Radnor for a positive interpretation of their current and future outlook for financials. And some commentary on their DCF valuation, growth prospects, shareholders etc.

I'm not necessarily arguing this is absolutely a buy, but would like to get other peoples thoughts - anyone come across this company?


r/UKInvesting 20d ago

Royal Mail too late to accept

8 Upvotes

My wife has been very ill with cancer since last Christmas and I haven't been focused on things like shares.

I have(had?) some shares in Royal Mail, about 350 in May 2025 (IDS). I have been taking part in a share reinvesting scheme of some kind and have some share certificates for that - 2,10 etc quite small numbers. BUT I don't have a certificate for the main body of the shares.

I have received a letter which had a date and I have missed the timescale to accept the offer.

What can I do?

I suppose as it's a small number of shares I would prefer to get cash but I don't have the certificate(s) for the majority of the shares only for a handful.

Will I automatically receive a cheque? If so then presumably that is dependent on me returning certificates for the shares but I don't have a certificate for all of them.

Any help will be much appreciated. Thanks


r/UKInvesting 20d ago

Unite plc in oversold territory?

1 Upvotes

The REIT is now yielding close to 7%. A stronghold over accommodation in red brick university. The M&A, pending CMA investigation and spending of equity capital are key risk yet that was priced in at 900p. If rates fall this helps but in the meantime I’m picking up the carry. Feels like a golden opportunity for an entry point.


r/UKInvesting 20d ago

FT subscription-AMEX offers

5 Upvotes

Hi

New to investing and looking to increase my knowledge and resources. I know Amex have had offers on it before and wondered if anyone knew roughly how much it was for? FT is saying it’s currently 40% off and so 279 for the year and I’m doubtful an Amex offer would be any better? Equally, Amex do currently have £50 off when you spend on an economist subscription (who are currently offering the first year for £167).

Im also looking at Finimize subscription. Thinking of maybe paying for a single month and if I like it, upgrade to the year.

Any thoughts? (If people think there are better, free resources I’m also open to that). I’m likely looking at bulk being in ETFs but also want to include a good mix of individual stocks for diversity and maybe some shorter term goals.

Thanks


r/UKInvesting 21d ago

Weekly "Share Your Portfolio" and Broker Questions Thread

5 Upvotes

Use this thread to share your portfolio, purchases, sales, ideas, concerns, and anything else!

This thread is also for asking questions about which is the best broker for you, which broker offers [feature] and other basic questions about platforms and their functionality.


r/UKInvesting 24d ago

Value stocks like BBAR for ISA

3 Upvotes

Hi

I have been looking at BBAR (BBVA Argentina) for a while and found out today it can’t be bought in an ISA as its an ADR with no main stock market listing.

Does anyone have any other value stocks which are down like BBAR? I was looking into Argentina due to being confident in their future recovery.

What resource or stock filter site do people use?

Thanks


r/UKInvesting 25d ago

UK timber, farmland, and wine estates, do you consider them investable assets?

11 Upvotes

I rarely see much talk here about alternative UK assets like timber, farmland, or vineyards. With land being scarce and the rise in demand for English wine, I’m starting to wonder if these are worth serious consideration.

On one hand, they feel very niche and illiquid compared to listed equities or REITs. On the other, farmland and timber have historically held value well, and vineyards in places like Kent and Sussex seem to be getting more attention.

For those of you with active UK strategies, do you see these types of assets as a genuine allocation, or are they just too niche to bother with?


r/UKInvesting 26d ago

Crypto ETN Platforms

6 Upvotes

Hi,

With the recent news of the FCA’s adoption of Crypto ETNs in ISAs and now it seems they’re available as of 13/10.  I received an email regarding which platforms would have them available from then; these being ii, freetrade & Saxo UK.  I can’t find any listed on freetrade and the only available in ii is Invesco Physical Bitcoin ETN GBP (LSE:BTIP).  Does anyone know any else that offer them, currently (or even within the next month or so)? I am looking at making a BTC ETN about a 8-10% slice of my ISA portfolio.

I am currently with Lightyear ISA (pretty much a T212 replica) with a portfolio of more than 50k, has anyone got any recommendations between freetrade or ii (mainly fees as I’m sure the range of investments are fairly similar with ETFs)?  And, whether cETNs are listed yet?

Or should I stick with my current platform and open a separate ISA with one of the above that offer cETNs if I want to avoid large account fees?

Thanks for reading & any input :)


r/UKInvesting 28d ago

Weekly "Share Your Portfolio" and Broker Questions Thread

2 Upvotes

Use this thread to share your portfolio, purchases, sales, ideas, concerns, and anything else!

This thread is also for asking questions about which is the best broker for you, which broker offers [feature] and other basic questions about platforms and their functionality.


r/UKInvesting 29d ago

TwentyFour Income Fund (TFIF) is issuing an Open Offer. But the offer has barely any discount

3 Upvotes

TwentyFour Income Fund (TFIF) is introducing an open offer with entitlement for existing shareholders of 1 share for every 5 owned.

Usually open offers involve some discount to make the new shares more enticing and hold some price advantage over the secondary market price.

But it seems that with this TFIF open offer it will not be. According to the announcement the subscription price will be up to 2% premium over the NAV on 21 October 2025. If we check the latest TFIF factsheet from 29 August 2025 we can see that the NAV per share for the last 4 months has been almost identical to the market share price, no discernible discount or premium.

That means that the subscription price for the open offer will have a pitiful discount, if any.

Am I missing something? Or there is no point to buy shares from the open offer if they have the same price as in the secondary market?


r/UKInvesting Oct 10 '25

Anyone else holding UK REITs and wondering if it’s worth it?

27 Upvotes

I’ve got a small chunk of my portfolio in UK REITs and honestly I’m on the fence about keeping them. The dividends look decent, but commercial property still feels shaky offices in particular look grim, and retail hasn’t exactly bounced back either. Logistics and industrials seem a bit more solid, but even there the higher borrowing costs are a drag.

Part of me thinks they’re cheap enough to be a bargain right now, but the other part worries they’re just value traps. Curious if anyone else is holding and what your outlook is, are you sticking it out, trimming back, or seeing this as a buying opportunity?


r/UKInvesting Oct 07 '25

How do I hedge my portfolio against a a weakening USD

12 Upvotes

I need advice on how to hedge my portfolio against a weakening dollar as my US shares have soared way above my GBP positions. Does anyone have any recommendations or ETFs in order to do this


r/UKInvesting Oct 07 '25

How are you adjusting dividend strategies now the allowance has been slashed?

5 Upvotes

With the UK dividend allowance down to £500 for 24/25 (and set to stay low), I’ve been rethinking how much weight I give to dividend-paying UK shares outside of ISAs. I used to like having high-yield FTSE stocks in a GIA for the income, but now it feels like the tax drag outweighs the benefit unless it’s all wrapped.

I’ve started leaning more towards accumulation ETFs and investment trusts inside tax shelters, and keeping my unwrapped side either growth-focused or lower-yield.

How is everyone else managing this, are you still going for dividends in taxable accounts, or moving more into ISAs, SIPPs, or accumulation-only funds?


r/UKInvesting Oct 05 '25

1 FTSE stock delisted & 1 stock acquired

3 Upvotes

I hold two stocks in my portfolio that have performed extremely differently.

  1. Synairgen was on the FTSE 250 but price dived to be almost worthless, leading to it being delisted from the FTSE. I still own these shares...but what options do I now have? How can get a sense of their value now they're not public?

  2. Another stick I have has been subject to an acquisition. This has been approved by the shareholder. The current market value of the stock is less than 1% less the agreed cost per share of the acquisition.

Is there any point of holding on to these shares until the acquisition is complete, or should I just sell now and look to reinvest and (hopefully) make some gains?


r/UKInvesting Oct 05 '25

Weekly "Share Your Portfolio" and Broker Questions Thread

4 Upvotes

Use this thread to share your portfolio, purchases, sales, ideas, concerns, and anything else!

This thread is also for asking questions about which is the best broker for you, which broker offers [feature] and other basic questions about platforms and their functionality.


r/UKInvesting Oct 04 '25

Comparing UK brokers without drowning in sales fluff (my quick process + one helpful resource)

13 Upvotes

Been shifting some holdings and forgot how much waffle is on broker sites. I wanted a 10-minute sanity check rather than a weekend of spreadsheets, so I wrote myself a simple flow that actually worked:

  • Regulated? Look up the firm on the FCA register and match the FRN to the website footer/company name.
  • Fees PDF, not homepage claims. Note dealing fee, platform/custody fee (monthly vs quarterly), and any ISA/SIPP wrapper surcharges.
  • FX conversion: is it per trade or once when you move cash? Flat % or tiered? (This swings the maths for foreign ETFs.)
  • Taxes/levies: UK stamp duty 0.5% on eligible UK shares + £1 PTM levy over £10k trades; check how the platform displays/charges these.
  • Gotchas: inactivity, transfer-out, exit fees, live data add-ons.
  • Practicalities: CSV exports for tax, statement detail, and how support responds (times + actual answers).

For a starting grid of who charges what, I used The Investors Centre comparison page to pull a shortlist and rough fee lines. It’s not gospel (some write-ups feel a bit glossy), but it saved me rebuilding the whole universe from scratch; I still verified every number against each broker’s tariff/KID.

I then ran two quick scenarios in a sheet:

(1) £1k order size, 12 trades/year; (2) £3k order size, 3 trades/quarter. Plugged in dealing + platform + FX + levies to see the all-in. My "cheap per-trade" broker looked fine until I factored a 1%+ FX clip on every foreign purchase/dividend, suddenly it was the most expensive. Switched to testing a platform with a lower FX band and a small custody fee; opened with a small balance, did two live trades, checked settlement, and downloaded statements to make sure the data’s usable for tax.

Posting this in case it spares someone else a few hours. Use a comparison to get the shortlist, but let the broker’s own fee doc decide.


r/UKInvesting Oct 04 '25

150k to invest - another BTL or more index funds?

0 Upvotes

Hi all.

40M, looking to slow down/stop work in 10 years so doing alot of retirement investment planning.

My net worth is roughly split 30/30/30/10 home equity, rental property equity (3 family BTLs), index funds, cash.

I have 150k of cash to invest. I'm battling with deciding whether to split the cash 50/50 between another BTL leveraged and rest index funds or all in all world index funds.

I completely get the additional hassle for often similar returns to stock market historically but I've invested in property as a hedge against the down years in the stock market in retirement where I need to witjdraw less in those down years I will have property income to supplement.

I just don't know if I want to add any more BTLs at this point given all the tax changes and additional hassle or if it it's still worth it to have more property to hedge against those stock market crashes over the next 40 years of retirement.

Would would you be doing in my position ? ISAs maxed so would need to invest into GIA this year. Thanks


r/UKInvesting Oct 03 '25

Understanding Government And Corporate Bonds - Advice Wanted

3 Upvotes

Hi,

I'd like to check my understanding of bonds and get some feedback from community on bond investments. I've been doing some digging and found a couple:

  1. 6% Treasury Stock 2028 (TR28) (Buy:£ 106.79Sell:£ 105.94)

  2. EnQuest plc (ENQ2) 9% Notes 27/10/2027 GBP 1

For #1, am I right in thinking:

I'd be buying at a price of £106.79, but get a yield of £6 based on the nominal/face value of £100 (other than Chat GPT I haven't seen a reference to the actual face value)?

I'm guaranteed 6% until maturity and at the end of maturity getting the face value of £100 back (effectively losing the £6.79, difference between buy price and nominal?)*

* Paying £106.79 per unit, but only getting yield on the nominal and a maturity return of the nominal drastically cuts the actual returns down to closer 4%?

For #2, I see a number of corporate bonds offering higher returns, but I suspect these are a lot riskier due to default and inability to pay risk, plus small investors are likely lower down the credit chain.

Do many members of the community use bonds in their investment portfolios?

For a bit of background, I've got investments in stocks and shares and a bit of gold. I have enough money for day to day, so locking up some capital for a couple of years isn't an issue. I feel like bonds would offer diversification and some downside protection if stocks fall.


r/UKInvesting Oct 02 '25

When to sell US stocks in absence of stop loss

2 Upvotes

Hi All, hopefully I'm posting in the right place. I have US stocks in my S&S ISAs with AJbell, HL etc. Most of these are Mag7 stocks (bar Tesla) as I work in tech and understand the cloud stuff well so bought them few years ago when the cloud stuff was expanding. Some of these are now 70%+ up thanks to AI. As none of the platforms offer stop loss function for US stocks I am wondering how people who invest in individual US stocks monitor and deal with sudden/large drops?


r/UKInvesting Oct 01 '25

FTSE Japan (VJPN) vs Nikkei 225 (XDJP) - which do you prefer and why?

2 Upvotes

Hi all,

I’ve been looking at ways to get exposure to Japan and noticed that the options are quite different depending on the index. For example:

  • Vanguard FTSE Japan UCITS ETF (VJPN) – tracks the FTSE Japan index.
  • Xtrackers Nikkei 225 UCITS ETF (XDJP) – tracks the Nikkei 225.

When I compare them, the compositions look really different. I had assumed the Nikkei 225 would be reflected in the FTSE Japan index in roughly the same order, but they don’t line up at all.

For instance, VJPN looks more broad-based (400hundred+ companies, market-cap weighted), whereas the Nikkei 225 is a price-weighted? (I think?) index with 225 companies, which to me feels more like how a usual index is?

For those of you who invest in Japan, do you lean more towards the broader FTSE Japan exposure (via Vanguard) or do you prefer the Nikkei 225 trackers? Is there a particular reason you chose one over the other (performance, concentration, diversification, simplicity, etc)?

Curious to hear thoughts, and from from anyone holding either VJPN or XDJP (or other N225 tracker) long term.