You can sell fractional stocks on a GIA - the only exception is US limit orders donāt support fractionals (youāll need to make a Triggered Sell if you want fractionals support.)
If you continue to have problems, please do drop a line to customer support in the app - theyāll be able to help out better.
Hello, I am fairly new to investing in the stock market but hold what the majority would call a basic understanding. I was wondering if someone could perhaps explain to me in greater depth the pros and cons of investing in stocks and shares ISA (and a few index funds eg FSTE 100 and S&P 500), as well as a GIA, and perhaps a few tools that you may have used when you began investing like what to look for before a share price booms/ drops, etc.
many thanks in advance, all feedback and help is massively appreciated 
Hi there, these are great questions. Iāll offer an answer which will hopefully give you a starter for 10 in these areas.
An ISA is just a wrapper/ type of account that contains your holdings. The main difference between an ISA and GIA is that whatever holdings (stocks/ETFs/ index funds) you have in the ISA are sheltered from tax, up to your personal allowance limit.
Any holdings you have in a GIA are subject to tax (Capital Gains tax and Dividend tax - IF you go over your yearly tax allowance). Freetrade have some great posts about these subjects on their blog which you should check out as theyāre really useful.
The other difference Iāve only recently found out about is that the choice of stocks available in the Freetrade ISA seems to be limited when compared to the GIA - something to be aware of if youāre after a particular stock etc.
For your second question about the tools - these are typically areas that day traders use, to try to predict the short - term movements of stock prices.
I canāt really give you any advice here but instead Iām going to throw in a different perspective to investing: think about how you can identify and buy stocks of great businesses and add/hold on to them over a long time horizon. This is generally more successful that trying to predict short-term booms/drops. Just my advice
Hope some of that helps.
Hello,
I have been investing in my GIA and have been making some gains. I realise now that I shouldāve been doing this via my ISA to avoid capital gains tax. The money is still tied up in stocks at the moment but if I sold, is there a way to move the money to the ISA to avoid the tax or would I still be liable for the tax since it was invested via the GIA?
Thanks in advance for the info 
Hi Jon, and welcome to the community.
An ISA provides a tax shelter only to shares which were originally purchased using funds already in the ISA. Unfortunately there is no way to retroactively move stocks to an ISA so you will still be liable for any capital gains tax.
There are still options available though.
Capital gains tax only applies when you sell your shares and you have a tax free gain allowance each financial year. This year the allowance is Ā£12,300 so as long as you keep your total gains below that amount you can move the funds across without paying any tax. Then on April 6th we start a new tax year and you get a new allowance so you can sell and move some more across.
Might sound silly to some, but itās worth confirming to others that might be reading this thread that your capital gain is only calculated at the point of selling a share. Your freetrade app can show you 20k for instance of gain since you started investing, but if you havenāt sold all of your shares then in the eyes of hmrc you havenāt gained that 20k yet in order to calculate your cgt
Nice one, thank you. I think I forgot that Iād be getting a new allowance in April so just need to split my selling over the 2 tax years and take advantage of ISAs in future.
Thanks again for the info
Not sure if this is the right place, but here goes.
Is my affiliate link always the same? Or is it different for each person I send it to?
I ask as I put it out to my YouTube audience and had about 30 people ask for the link. I BCCād them all to the same link, and wondering if Iāve bodged it and wonāt get my free shares when they all sign up!
Thank you
Itās the same link for everyone.
Thank you - thatās cleared that up - and youāre right, itās the one link. Phew.
Evening everyone, fairly novice question here - how do you go about calculating target prices and defining exit points for your holdings, particularly in the lens of long term investing, letās say 15 years?
Stupid question;
Are you supposed to invest in your home markets initially?
Most of the guides I read tend to be US-centric, and they always seem to suggest starting with US ETFs and then adding global stocks. The few UK based guides Iāve seen always seem to focus on UK markets (FTSE 100, 250 etc) before expanding out globally.
Is there a benefit/reason for this? Should you invest ālocallyā and is there a rule of thumb for how much local investment?
How do you set a trailing stop loss on Freetrade?
The only rule of thumb I think of is diversification, investing only in your local market doesnāt provide enough diversification. There are benefits in every market, the US market has given much better results historically but it is good to invest in your home markets because your know them better, and also it is good to keep the money in your countryās economy.
I personally do 25% UK, 10% World, 65% US but you can do any ratio you are comfortable with
Freetrade donāt offer this feature yet unfortunately.
Do you know if this is in production?
I am only really doing long-term investments at the moment and the only reason I donāt pay for Plus and go for short-terms is because I canāt set trailing stop losses
Investing more into your local markets is called āHome Biasā. People do it for various reasons for example because they are more familiar with the companyās that they come across every day.
The UK is often favoured by income investors but growth opportunities are more limited.
Itās not a question of should as investing is personal to each individual.
I donāt believe itās been advertised as being in production yet no.
Sorry.
I have another question.
So, in the news today there are rumours of the UK putting into play ānegative interest ratesā for Autumn 2021.
If it did happen;
How would that affect investments? Does it mean UK stocks are even more competitive? Or does that mean, UK corporate bonds will benefit? Or is this something we shouldnāt really be worried about?