Reddit Posts
Is there ever a right time to join the market? My brother keeps trying to persuade me to invest in Bitcoin, but I'm not 100% yet
Financial Times (UK) callout: Have you tried to put crypto in your Isa?
Invest as much as I can into the Stocks and Shares ISA, or buy some Bitcoin too
Tax free Crypto ETNs in UK - The end of self custody
UK - HMRC Bitcoin ETN can be in a stocks ISA - only until April 2026
UK Retail Investors to Gain Access to Crypto ETNs
Could you tell me what you think of my plan?
UK ISA / SIPP - my findings on how to get proper Bitcoin exposure
trading212 restricted from buyin $IBIT. Help a UK stacker
Micro strategy is a great play - but mainly for UK investors....prove me wrong
MEXC (non-KYC exchange) is apparently no longer providing services to the USA
Crypto entrepreneur faces potential prosecution in Israel related to $290M scam: Report
UK residents, how do you "avoid" paying taxes on crypto gains using legal avenues?
So you work all your life pay taxes save up like a good boy follow all the rules and then get sick and you can’t cash your ISA in as it’s fixed. Even worse you die and the big institutions don’t allow access to your loved ones.
Crypto Stocks vs Cryptocurrency: Which is Better for Tax Efficiency and Gains?
How are we feeling about crypto? Compared to shares it’s not too bad really.
To the parents on this sub, do you invest into crypto for your kids?
The Debate on Crypto Stocks vs Cryptocurrency: Which is the Better Option for Tax Efficiency?
if I'm an 18 year old and have $5k in savings, is BTC a good place to start making an account of money for my future?
Blended Investors: What % of your Investment Portfolio Do You Put Into Crypto? (Moderate Risk Profile)
Crypto withdrawals into Stocks and Shares ISA.
Mentions
Nothing, realised a while back that crypto is Nothing more than a ponzi! Better returns in my s&s ISA
No argument. Just correcting your false claims that "the default yield on a stable coin through LPs is 10-15x higher than a standard savings account" and crypto has a "huge advantage" by allowing retail to trade after hours. The truth is many people can get around 5% in a savings account vs around 8% lending stable coins, and there's at least one broker (IBKR) that provides after hours trading which most people in the US, the UK, and a lot of other countries can use. There's probably others but I only use IBKR so that's the one I know of. Besides, savings accounts and ISA/SIPP accounts are insured against some losses, like your funds being stolen or the broker going bust, and ISAs and SIPPs let you earn and reinvest capital gains and dividends tax-free, whereas with crypto every trade is a taxable disposal and any income is taxable and it's vulnerable to all sorts of AI-assisted hacks and exploits, with no insurance. If people want to take that risk to get 8% rather than 5% on their savings that's up to them but they deserve to know the facts so they can make an informed decision.
I bought most of my stack many years ago. My plan (been in action a few years now) is to sell just under the £3k UK CGT allowance every year until it runs out. I'm moving that each year into my S&S ISA for now but one day will start spending it
Most people don't have more than the £20,000/year ISA limit to invest and those who do are likely to put it in their pension to get the free top-up from the Government.
What about for amounts beyond your yearly allocation in the ISA. Unregistered account funds is what these markets are meant to capture.
I can get 4-5% APR on savings in the UK. Stable coins aren't paying 10-15x that. I can trade after hours with IBKR, in a tax-free ISA.
The massive downside to buying tokenised stocks is you can't do it in a tax free ISA (or whatever the US equivalent is) so you have to pay 18-24% CGT on all your gains. I don't suppose you get paid dividends on tokenised stocks either.
50%. Been in since 2017 and have slightly reduced my portfolio over to years selling crypto and investing into my S&S ISA.
A big disadvantage with trading tokenised stocks is you can't do it in a tax-free account like an ISA. With IBKR I can already trade in my ISA after hours anyway.
In the UK we can't buy crypto ETFs in a tax-free ISA, so our choices are either buy BTC and pay tax or buy a company like MARA or MSTR in an ISA. A couple of SIPP (pension) providers let us buy crypto ETNs that are listed on the LSE, like BTC1, WBTC and IB1T, and there are some tax advantages doing that but we have to pay income tax when drawing down the pension, apart from the the first 25% of the pot which we can take tax-free.
I'm far from an expert, but why have *only* your wife sell? You each get a £3K CGT allowance, and if you have a lower salary, you'd only pay 18% CGT on the rest. I'm an idiot when it comes to tax, but what if you transfer maybe 22K of BTC to her to sell, and maybe you sell 30K yourself instead of her selling *all* 52K? E.g.: She pays 24% on 19K (22K-3K) = £4,560 You pay 18% on 27K (30K-3K) = £4,860 You each dump 20K into an ISA, tax-free (or shuffle it around and use a SIPP if you prefer). You could even use the ETNs in an IFISA. I'm sure there's some nuance for the figures, and there'll be a sweet spot to totally minimise tax, but there's got to be a better option than 24% of 49K (52K-3K) = £11,760
In 176% up in 3 years, just plow income into an ISA (tax free UK), and 80% of my portfolio is in Apple google meta MSFT My average for MSTR is 118, so significant assymetic upside. Spend about 15 mins on stocks a week and the rest of my life earning or having fun. Doing ok bud.
You can still hold it within an ISA, but now new investments need to be through an "Innovative Finance" ISA instead of the standard "Stocks & Shares" ISA. Sadly there aren't many IFISA providers offering it yet. I think *Stratiphy* is the only one I know of, but hopefully more will crop up: https://www.gov.uk/government/publications/tax-treatment-of-cryptoasset-exchange-traded-notes/tax-treatment-of-cryptoasset-exchange-traded-notes-policy https://apexaccountants.tax/can-you-hold-crypto-etns-in-an-ifisa-what-stratiphy-means-for-uk-investors/
For most people it will be 18% tax above £3000 profit and fees are negligible. That’s roughly the same as the US where most people will pay 15% on all profit. For a short time you were allowed to hold BTC via ETF in an ISA and pay no tax but that was removed unfortunately. Hopefully it is reinstated.
In the UK we're no longer allowed to buy crypto ETFs in an ISA. If I have to pay tax on my gains, I'd rather self-custody and avoid the ETF fees.
The only thing the ETF is good for is for tax free exposure in a UK ISA, (and even that's gone for us now with new laws) ETFs are trust me bro IOUs Hold the asset or go home.
Yes the bulk of my portfolio is now well diversified but I still take risks with lower amounts, I have 8 figures in my ISA at 28 mostly from some very lucky single asset investments. I have at some points done things that were incredibly destructive and gotten some blind luck. Then again, the upside was huge. There is not as great an upside with bitcoin, and still so much risk. Thousands of hours, I don't know. That's definitely possible Lol. I make a modest salary and have made far more money from investments than my job. How much do you believe bitcoin will increase by, say, 2030?
I'm really not sure how you can think that's a reasonable argument. The fact that you _can_ lose _all_ of your money with no recourse is not something to be minimised. But I've made my point so we'll have to agree to disagree. Of course I have my doubts whether bitcoin is a sound investment now, there are many stocks and shares which are superior for a whole host of reasons. Since 2023 I have made close to an 800% return on my ISA which is of course not typical and has also undoubtedly required a lot of luck, but I wonder how bitcoin has performed in that time? That being said, I wish you the best of luck and I hope you are able to do well from bitcoin, it's never nice to see people lose money when there is so much opportunity out there.
I’ve been looking into TAO and the subnets that Kraken has started listing. Does anyone here have much experience with them? I’m tempted to start building a position in TAO while it’s still relatively early, as it seems like it could be a strong AI play going into the next bull run. I did well with AKT last cycle, and some of the TAO subnets, like LIUM, seem to be tackling similar infrastructure but with much smaller market caps, which obviously makes them a lot more speculative. Most of my monthly investing goes into MSTR because the gains are tax-free in my Stocks & Shares ISA, but I still like allocating a bit to crypto for the potential of outsized returns. Would be interested to hear what people think about TAO and which subnets are worth researching.
sorry, i should have explained. a gold etf is not stupid. if you don't already, please consider starting dollar cost averaging into something diversified like a global etf. go to r/investing first. and assuming you din't already, come here once you have a safety net saved (few months cash), a pension (ideally one you can control, with additional company contribution matching), and some tax efficient investments compounding for the long term. depends where in the world you are for that, i think it's a 401k in the states, ISA/SIPP in the UK, NISA/iDECO in Japan, elsewhere i have no idea. gold isn't stupid, but it is a long term hold for diversification. it's a non producing asset. it usually recovers faster than stocks after recessions but it also has long stagnant periods, often decades long, but also bull markets that last a decade. your gold will likely recover, but it shouldn't be all you hold. look at a historical gold price chart, if it's all you hold then that's the path your money will follow; up, down, across, repeat. compare it to the S&P500, or another index, and look at different time frames. look at % drops and how long they last before returning to and exceeding where they were before. Then look at BTC, then altcoins. gold moves slow, has some volatility but lots of momentum. s&p is up and to the right and very diversified, BTC is the king of crypto, very volatile, but big gains if you can stomach waiting. altcoins are a casino, but have potentially very high returns if you get lucky and happen to pick the right one/ones. but good luck doing that consistently if you don't really know the space. degens in r/cryptocurrency are not the ppl to seek advice from. talk to a financial advisor, preferably one who doesn't ask for a % to help you invest, but who offers advice based on your situation then fucks off until called upon again. you need someone who will look at your age, income, assets, expenditure, and give you guidance. listen to your risk profile, and help you understand options. talk to a few if necessary. i'm curious how you and why you got a gold etf, and if you also have others like the global one. but otherwise i'm also going to fuck off. good luck.
I’ll take sideways for a while, let me stack a bit more and buy some more MSTR in my ISA.
I’m about 50-50 MSTR for tax and BTC for bitcoin, tbh if I could go back I’d have just gone 100% strategy for ISA,
If you’re in the UK, I’d personally split it. Maximise your SS **ISA** for the tax benefits using Bitcoin-related stocks (like Strategy, Coinbase, miners, etc.), and continue stacking **real Bitcoin** for long-term self-custody. TBH nothing beats owning the actual asset. **“Not your keys, not your coins.”** But if the ISA gives you tax-free upside, that’s a great tool to use alongside it, not instead of it. [Bitcoin Bear Market DCA Playbook](https://youtu.be/JXvr49ECTuo)
T212 doesn’t allow the Bitcoin ETNs in their ISA yet, do they?
Nobody talks about this, but the ISA route only matters if you actually plan to sell inside the wrapper. If you are holding long term through multiple cycles, self-custody with your own keys beats any tax wrapper the moment the platform goes down or freezes withdrawals. Ask yourself what you are optimising for: tax efficiency on exit, or actually owning the coin.
I've maxed out my ISA allowance for this tax year, so I'll re-assess in April. Hopefully there will be more IFISA providers by then, since I'm not familiar with Stratiphy. I'm just annoyed that we now have to use an IFISA instead of a regular S&S ISA. I've got some BTC "proxies" in my S&S ISA and obviously BTC itself in self-custody, but ideally I'd love to hold something like [WXBT](https://www.ii.co.uk/etfs/wisdomtree-physical-bitcoin-gbp/LSE:WXBT) in a S&S ISA.
You don’t sound very prepared. I have MSTR/ASST on Trading212 ISA. Do you want ownership or have something that’s tax advantaged? I think having amplified bitcoin is the way to go and it’s in the ISA. Win-win.
Can buy through an ISA to not pay capital gains or tax
I've been sitting on MSTR since before the stock split because I got greedy and purchased it all through my UK ISA as a tax free bitcoin proxy. Saylor should have stopped buying years ago and just sat on his stack. Everything he's said or done makes me regret not buying bitcoin directly.
Lowkey, how are you not maxing out your ISA every year? Or at least putting 10 years worth of maxing out aside. Mental.
Post is by: Intelligent_Book3553 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1u7c0lm/are_nigerian_crypto_exchanges_actually_safe_in/ Genuinely curious how others are handling this. After Binance suspended Naira P2P in Feb 2024, the entire Nigerian crypto landscape shifted. Some people swear by SEC-licensed local platforms (Quidax got licensed, Dtunes works within the framework). Others are still using offshore exchanges via VPN. I've been mostly using a local OTC option that pays my GTB account in like 8-10 minutes. Naira lands fast, but I'm paranoid about regulatory risk. Two questions: 1. Anyone here got their crypto-related bank deposits flagged by their Nigerian bank recently? 2. What's your read on the ISA 2025 framework so far? Real protection or just paper? Not promoting anything, genuinely trying to learn from people doing this daily. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*
Initially it was great for people who couldn’t buy bitcoin directly. Eg if you wanted it in a 401k or equivalent scheme. Another example was in the UK we have a tax free investment account (ISA) you can’t buy bitcoin or a bitcoin ETF with funds in it but you could buy strategy since it was a listed stock.
Stocks and shares ISA for at least 5 years.
Been thinking of doing this myself, if I sold all now id take a small loss on current positions but overall would have profited doing crypto but no where near what im doing on stocks withing a tax free stocks ISA. I know some comments here are that Ai sector will slow down/top out and im sure it will be doesnt mean money will rotate back to crypto. Will probably go more into space or quantum or hell knows what's next. I think crypto hasent given actual use cases beyond BTC being 'digital gold', which i think will continue. Its just too inaccessible to the majority and therefore restricting money flow. Making it more accessible probably involves solutions that goes against the whole decentralisation
You think 3-5X returns from here = greatest long term investment????????? At this point, you would be better off putting your money in an ISA or precious metal… or like some others have said, POKÉMON CARDS 😭
I been buying BTC since 2015 though .. my emotions got left back in 2018 when it comes to the ups and downs... Better lock in while you can...wish I sold all my properties. Always dealing with stuff...I could've sold them all and bought 100+ BTC. In a yacht docked at my house. One day ISA.
Personally after stacking decent amounts into bitcoin, I started buying premium bonds (UK Investment) so that I can have a decent emergency fund, and I'm just buying stocks in companies that I use, e.g. I buy fuel at a BP petrol station, I buy BP stock, SSE and Iberdrola generate a vast amount of electricity I use so I Buy them into my stocks and shares ISA (UK tax free investment account) too. These companies also give dividends so I get a bit of cash back for using their service. Ultimately if you want a tailored answer you should talk to a financial advisor.
Because I don't have access to the amount of capital or financial instruments he does? I also cannot hold spot BTC in an ISA. But to a small extent, I do use the Saylor playbook with my own finances, it's just limited to my personal income as I don't have the ability to issue new shares to cover myself. I have, and will continue to, accept any low rate offers to buy spot BTC if the minimum payment is within my budget, i.e. taking out 0% interest CC offers.
There is...it's called an ISA. Prior to April this year you could purchase bitcoin ETNs in a stocks & shares ISA. Now you have to open an Innovative Finance ISA (IFISA) if you want to do this. You can invest £20k/year in these accounts and it's tax free.
My exit plan is already in action and has been for a few years now. Keep selling £3k per year, every year, no matter the price, so I don't have to bother with any tax reporting or calculating average costs (I'm UK based) until my stash runs out, CGT allowance increases/decreases, or I die. Simple. I've already made gains I'm more than happy with, now I'm just off ramping the remaining and moving into ISA tax free wrappers or booking a holiday. I don't really care how long it takes either. I just think of it as an extra little bit of bonus income or investment each year
Yeah most of them function as higher vol/beta than the underlying so in this market I've been royally screwed, especially due to MSTRs mNAV compression haha. Huge loss compared to if I kept my spot BTC but hoping the next bull market I should re-coup and potentially outperform. It's all within a tax free ISA, which was my initial reason for selling my spot BTC last year.
They reclassified crypto etps such that they are now eligible in another category of a tax wrapper called Innovative Finance ISA. Till now, this was an obscure product primarily used for crowd sourced lending. These providers have simply not had time to adapt their offering to include crypto etps yet. So we are in a ridiculous state where technically crypto etps are allowed in a certain tax wrapper after Thursday but there is no provider who offers that for now.
Are u from the UK? I would utilise the ISA and buy MSTR instead of bitcoin. Im fully porting MSTR If it bottoms below $100
Depends on lots of factors. Emergency fund: You should always have an easily-accessible emergency fund ready for life's little unplanned expenses, and you don't want to be forced to sell bitcoin during cycle lows. Time horizon: If you're confident you won't need to sell within 4 years, I'd lean towards more bitcoin. Tax issues: Especially CGT rates in your country, and what tax-free options you have available. If CGT rates are especially high, but you have wrappers like ISA/SIPP/401K/Roth IRA, you might lean towards them, whether through regular index funds or bitcoin ETFs (if available), depending on time horizon.
How so? There's one opportunity to do it now, from 6th April you can't buy in ISA so it's now it never. Buying more BTC moving forward will be directly again. What's your reason for thinking it's dumb?
I had losses on memecoins to offset so no gains to pay tax on now. And now it's in my ISA no gains to pay tax on in future.
Capital gains. When you come to sell if you own 'directly' then CG will be applicable, whereas nothing in ISA. Plus simplicity. Easier to hold in a stocks and shares app, rather than my physical ledger cold wallet.
You could sell bitcoin and buy strategy via a tax relief program. Such as an ISA in the UK.
Personally, I plan to HODL long term. I'm thinking another 10 years. I'll see where we are then. You might want to check your ISA rules. I believe if you're holding actual BTC, ISA's aren't eligible after April, and you won't get the same benefits as you do currently. I held IB1T on T212 too and sold around Christmas time. I think T212 will just automatically cash in the value and you have to open an IFISA instead. I am still considering IB1T again though. Keep what I have in cold storage, and let T212 manage my keys. Against the BTC ethos, I know, but I want to cover all bases. I do think MSTR is worth having too - though I haven't got any currently. When I did have some MSTR, I held a few others too that performed well whilst BTC was around ATH - check out GLXY, HIVE, RIOT and MARA. I simplified my stocks into an All World ETF and a few individuals with small allocations, but I am thinking of lump buying some of the above again. When BTC rips, BTC-related stocks rip more (though they drop more than BTC drops too).
Hopefully when we sell, even if we are in theory taxed on all the holdings, if the gains are that good over a long period, I won't care! Also holding MSTR, all being well and ISA rules don't change too much, I may never have to sell raw BTC!
No as I said I’m in for a long game, and definitely not messing with a taxman. I also have SMTR in stock ISA that’s where I can invest 20k per year tax free on profits.
They all have to go to IFISAs but not all platforms support IFISAs. For example, **T**rading 212 does not offer IFISAs, so they will **automatically sell** any crypto ETNs in your ISA on or before April 6, 2026. The proceeds will remain in your ISA as cash, preserving your tax-free allowance
They all have to go to IFISAs but not all platforms support IFISAs. For example, **T**rading 212 does not offer IFISAs, so they will **automatically sell** any crypto ETNs in your ISA on or before April 6, 2026. The proceeds will remain in your ISA as cash, preserving your tax-free allowance
Thanks for this, I have a decent amount of IBIT in trading 212 ISA already. I have looked into the new updates for this, and apparently most likely scenario will be that purchases of IBIT in S&S ISA will be able to be grandfathered/remain, but new IBIT buys will have to be under the IFISA. Trading 212 have confirmed that a forced sell is unlikely at this point, but even just this BS makes the whole 'not your keys not your coins' saying more true lmao.
From **6 April 2026**, crypto ETNs held in Stocks & Shares ISAs will be reclassified as **Innovative Finance ISA (IFISA)** investments. This change may affect platform availability, and some platforms may not support IFISAs, potentially forcing investors to sell or transfer holding If you're considering crypto exposure in an ISA, cETNs from providers like 21Shares, WisdomTree, or ETC Group are currently the only eligible options. IBIT remains excluded from UK ISAs due to regulatory incompatibility
I basically just use premium bonds as a convenient tax-free place to store funds while waiting for the ISA limit to reset. Sure, the effective interest rate isn't great, but any winnings are exempt from tax, and every month I get a little thrill when I check for prizes. The main reason is that I *hate* paperwork, so I'd rather avoid the hassle of filing a tax return if I can avoid it. Unfortunately we have precious few tax-free options open to us - ISA, premium bonds, SIPP? (exempt from CGT, but not income tax as I recall, plus no easy access). All the other obvious options (savings account, GIA, etc.) would be subject to either CGT or income tax (or both), at least above some threshold.
Thanks a lot for the detailed response, I'll definitely want to look into any relevant rules and find out any tax implications I should be aware of first, so it helps knowing where to start on that. We're currently saving about £1500 per month, but a large part of this goes into multiple 5-7% regular savers, and the rest into All-World funds. Can I ask more about your preference for using premium bonds before transferring into an ISA? I didn't think the average interest rate was particularly high for premium bonds, so it's not something I really looked into. I'd be interested to know if there's something I've overlooked. I was considering putting any spare amounts at the end of every month into Bitcoin, but was concerned if I ever decided to withdraw a lump sum in later years that I might have trouble using it as funds towards a house deposit, as I imagine it gets flagged as an AML risk. Thanks again
If diversification is important, bitcoin ought to play a role, but it needs to be long term. I'd suggest 4 years minimum, but preferably a lot longer. I was recently made redundant, but when I had a steady paycheck, my plan was: * Every payday I'd set aside £2K per month which went straight into premium bonds (tax-free) * Every April I'd withdraw £20K from PBs to max out my S&S ISA (also mainly all-world funds) * No SIPP, but a certain % of my paycheck went into my workplace pension * Spare cash at the end of each month went into bitcoin, with buys spread out over the month to make bigger buys during dips As it turned out, bitcoin outperformed both the ISA and pension, even after accounting for CGT, so it now forms the majority of my investments (even after the recent dip). I'd suggest checking the rules for holding bitcoin ETNs in an ISA too. They were recently changed so although we can now hold the ETNs in a S&S ISA, it's only allowed for a limited period before it needs to be moved to an "innovative finance" ISA instead, which seems a little pointless.
Do you have allocation in other assets or is BTC your main concern when it comes to building your portfolio? quite interested. It would seem like the majority of Crypto enthusiasts on reddit tend to favour crypto over everything else aha. Most of our team has been slowly lowering our portfolio crypto percentage over the past two years, re-allocating into index funds etc trying to fill up our ISA limits. I still personally see a lot of value in having crypto in my portfolio, but the excitement is too much for me and I just want to focus on the slow boring part of investing. For now, sub 10% crypto allocation is as far as my risk appetite goes.
And I also had everything invested in my stocks and shares ISA (savings and maintenance loan and side hustle income) which returned me about 30% which I sold to put into bitcoin
I’ve been in crypto since 2021. Made mistakes lost everything I invested. But started buying only bitcoin since December 10th 2025. I sold all my stocks and shares in my ISA and used up all my saving to invest about £33k in Bitcoin. I plan to keep investing when I get more money
Did you try to teach your kids about investing at a young age etc? I have a 1.5 year old and I plan to have her understanding investing and money from young, she already holds a junior ISA in the UK, invested in a index fund
Solid start, especially that you’re DCA’ing and already have a cash ISA + stocks ISA. Personally I’d trim XRP a bit and keep BTC/ETH as the core
Post is by: PJDB_93 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qksppp/starting_out_what_do_you_think/ About to take the plunge, opened a Kraken account and plan is to DCA a couple of hundred a month split between: Bitcoin 30% Ethereum 25% Sol: 15% Xrp: 15% Monero: 15% I know this won't make me rich, but I'm open to suggestions or alternates. I know that most memecoins fail, but if there are any projects worth looking into, advice on what to read or watch as well to better learn the market. I've built up my cash ISA now, and what I would normally put away into that is splitting between crypto and more conservative stocks and shares ISA. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*
Depends on the total gain. In the UK, the first £3,000 of gains are tax-free. Any gains above that are subject to CGT (Capital Gains Tax). Only exceptions are ETNs held within an ISA.
It was a great move by the FCA to mandate that all bitcoin ETPs offered in the UK be fully physically backed, and good to see more of them on the market grim big madness. Shame they then fucked it up by removing the ability to hold these ETPs in a regular stocks and shares ISA (as of April 2026), so my dreams of tax-free bitcoin investing are still just dreams. Nobody I've heard of actually offers an "Innovative Finance ISA" that you can hold bitcoin ETNs in after April, and none of the main investing platforms are planning on offering them.
Didn’t think it was possible to be honest “You can't directly hold physical crypto in a UK ISA, but you can invest in crypto-related products like Exchange Traded Notes (ETNs) through a Stocks & Shares ISA until April 5, 2026; after that date, these ETNs will only be allowed in an Innovative Finance ISA (IFISA), a more niche option requiring specific ISA manager approval, or you can buy shares in crypto-linked companies for indirect exposure. “
To jump on the tax side of things, it’s the same in the Uk, we buy MSTR in our stocks and shares ISA to avoid capital gains tax. So that we buy ‘shares and etfs’, you fool. Enjoy playing your tax.
Not if it’s in an ISA in the UK, but we only have ETNs, not ETFs. Same thing though basically.
Good for you little homie, I wish I had started investing at your age instead of sex, drugs and parties! If I were to give any advice I'd say stick with BTC and Gold. Really concentrate on these two and you'll be happy in the future. If you want to dabble in stocks, get a stocks and shares ISA and buy s&p 500 IT, or Ibit gold.
40% bitcoin 30% stocks 20% cash ISA 10% premium bonds
Does anyone know if this is comparable with UK ISA account?
The big advantage is that the ETFs/ETNs can be held in a tax-exempt wrapper, where bitcoin in self-custody usually can't be. In the UK, this would typically mean an ISA or maybe a SIPP, but I'm sure other countries have similar wrappers. Despite the name difference, I'm pretty sure all the ETNs I've looked into were fully backed, so in practise they should be no more risky than the ETFs.
Stocks and shares ISA - S&P 500 - no tax
Since your ISA offers tax-free growth with a yearly limit, there's a strong case for prioritizing that vehicle first. However, adding some Bitcoin as portfolio diversification can make sense if you understand the risk profile. Consider the "5% rule" - allocate around 5% of your investment capital to crypto. With £1000 monthly, that's £50 for Bitcoin and £950 for your ISA. This gives you exposure without significantly impacting your tax-advantaged growth. Remember: - Bitcoin is significantly more volatile than traditional equities - Unlike your ISA, crypto gains are subject to capital gains tax in the UK - The Bitcoin position could act as a hedge against inflation/
Post is by: Harrygb13 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1p8x0m7/invest_as_much_as_i_can_into_the_stocks_and/ Hey everyone, I’m 23 and invest ~ £1000 a month into my Vanguard Stocks and shares ISA My question is - do I just put as much as I can into the ISA, until I reach the max limit one day, or do I use some of that money to put into bitcoin, or even some other asset? I feel like I may be missing out by not having some exposure, but then I I’m not quite maxing out the ISA yet! Any help appreciated! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*
Some people have very strong opinions about "not your keys not your coins" and strongly suggest that you should be storing it in a hardware or software wallet. That's the only reason I mentioned it because it would rule out using the ISA. If you store your bitcoin: 1. On an exchange 2. Software wallet 3. Hardware wallet The gains will be taxed the same if you sell them for a profit. If you buy an ETN in a tax exempt account such as: 1. Stocks and shares ISA 2. Pension (If you're very brave) Then you pay 0 tax on the gains
Because you're from the UK you should consider buying BTC ETNs in your S&S ISA, this way gains are exempt from capital gains tax. If you're planning to move the BTC to your own hardware/software wallet then ignore this suggestion!
I think the government are applying rules on all uk banks. Im with Monzo and every single transaction I make to Coinbase, their system marks it as a scam and my accounts get frozen until I go through some daft series of questions and upload evidence to convince them its not a scam! Last night it took me a few hours to get the payment to go through. They also have a limit of like £3k a month on crypto transfers to exchanges. You can now purchase Bitcoin ETNS in the UK now and my ISA provider made me go through a patronizing questionnaire and application process and then made me wait 48 hours before giving me access to the instrument. The UK is heavily restrictive with BTC and all crypto, its a real drag and really off putting to people wanting to buy bitcoin.
If you are in the UK, it’s one of the few ways to get BTC linked assets into a tax free ISA account. We can’t buy the ETFs at this point
Bought in 2017, sold 80% of it at 75k,( 15k profit) getting rid of rest next year. Sick of manipulation and unpredictability. All tied up in ISA's now at 5% tax free. I know where i stand over next 5 yrs.
If you tell people they're gonna lose a fuck load of money they probably won't like you for it. Hey ho. I'll be observing for a decent buy in since a Bitcoin ETF now exists for uk ISA's (tax free gains)
I stopped converting bitcoin to assets in my ISA for this reason.
Good point. ISA for UK citizens. I'm gonna buy some etp instead now. Saves a lot in taxes in case of higher returns on btc
Yea until April 2026. Then they will auto liquidate and you have to open a different kind of ISA for it. Such fun. No thanks
I think they're waiting for the Budget. A lot of speculation going on around ISAs at the moment. One which keeps popping up is halving cash ISA allowance. The 1000s of articles "how to prepare for coming market meltdown", "how to protect yourself against Rachel" aren't helping
just nabbed some WXBT in my T212 trading ISA, wish there was a bit more clarity on what happens when they stop qualifying for ISA status though
Enjoy it for 6 months. From April 2026 you won't be allowed to hold these ETNs in an ISA anymore.
So anyone using trading 212 can get BTC in their ISA as of tomorrow?
Not an accountant, but whoever gave you that information is mistaken. Any sale or swap of bitcoin counts as a *disposal* of that bitcoin, irrespective of whether it's left on the exchange. If your total gain is over £3K, you will need to pay capital gains tax on any disposal (£3K is currently the personal tax-free allowance). The only exception would be within an ISA, but we can't currently hold BTC in an ISA (though ETNs were recently given the green light). https://www.gov.uk/guidance/check-if-you-need-to-pay-tax-when-you-sell-cryptoassets
Post is by: ScoutMasterKevinJr and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1o7vmts/im_a_newbie_need_advice/ I’m a UK male aged 25. I was always raised to save money but through stupid decisions I’ve never really been good at it. I’m 25 now and have a stable job, I make okay money and am in a position to get promotions, etc. and I want to start saving and want to make good investments. My parents tell me to invest in a basic ISA, which I’ve looked into but I’m not sure I see the value in that. If I was to look into a stocks and share ISA would that not be more beneficial. But at the same time time would it not be better to learn the stock market and crypto market and invest it myself. I’m saying this with no understanding of it. Hence why I’m asking for advice. Thanks in advance *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*
Too wishy washy - If I’m going to taxed CGT on actual bitcoin without any protections/at my own risk, then I expect to be protected for an ETN within an ISA.
I predict that HL will lose huge market share to Robin Hood and the likes. Just look at the HL app, it looks like it has been designed for 60 years olds, terrible compared to the others. It reminds me of how bad my Barclays banking app was compared to Monzo when that first came out. I will keep stacking BTC and hold DATs in my ISA.
Thank you, will consider opening an ISA with T212 for this purpose.
It’s ETNs, but yes you will be able to buy through your S&S ISA
The FCA don't allow it in an ISA wrapper so that means nowhere does. For me it's MSTR now or wait till ETFs are available.
Do they allow it within an ISA wrapper?
ETNs are terrible. Also, ISA has very small yearly limits for many investors. Emigrating is part of the financial plan of many. Do not, not the end of self custody, but I agree it may be a better option for those with more modest portfolios looking at allocating a percentage of it to bitcoin