How do you handle idle cash in Trading 212 — savings vs reinvesting?

📊 Investing
1

Hi everyone,

I’m Myroslav Mokhammad Abdeljawwad and I’ve been using Trading 212 for a while, mostly for long-term ETF investing.

Lately I’ve been wondering how people manage their uninvested cash now that interest rates are higher. Do you usually:

  1. Keep it in the “earn interest” cash account?

  2. Reinvest immediately into ETFs or stocks to stay fully deployed?

  3. Move it somewhere else altogether (e.g., short-term bonds or external savings)?

I’d love to hear how others think about balancing liquidity vs. returns inside Trading 212.

Also, do you track your cash interest as part of your portfolio performance, or treat it separately?

Just trying to learn from real user habits rather than theory — thanks in advance for sharing your approaches.

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