Checklist for trading in a volatile stock market | iWeb Share Dealing

Your checklist for trading in a volatile stock market

Given the current climate, it’s as vital as ever to research all your investment options. See our checklist below, before making any investment decisions.

  • It’s easy to become reactive when fallen stock values and alarming news headlines could make you feel nervous. Take your time and think through any financial decisions before you act on them.

    Many investments have fallen in price recently but selling them off now could mean missing out on any increases in the future if markets recover.

  • Do you need to make cash available now? If so, consider all your options:

    • Are there any other alternatives you could draw from?
    • Could you use savings in the short-term?
    • Could you access any of the government support measures?

    If you decide to cash in your investment, it’s a good idea to only cash in the minimum you need. If you’re thinking about cashing in a larger investment, seek advice from a financial expert before proceeding.

  • Making a new investment when prices are low may be something you’re thinking about.

    Before going ahead please consider:

    • Make sure you have the level of risk in your portfolio you’re comfortable with. Especially if you have more money invested in one particular asset or sector, as this may cause a greater impact on your portfolio.
    • Remember that past performance is not a reliable indicator of future performance.
    • Seek financial advice if you’re unsure.
  • If you make regular investment contributions, do you want to review and make any adjustments? You may be comfortable with the risk level of your current contributions so plan on continuing contributions or even increase them following the fall in prices since the market downturn.

    If you’re not confident in your investment choices, you could reduce or stop your regular contributions and seek independent financial advice.

  • It is always good to be aware of all the tax relief available to you:

    • Investing in pensions means an added uplift in tax relief from the government on your contributions.
    • Invest your cash or hold onto it until you’ve found the right investment.
    • ISAs don’t benefit from the same uplift (but holding your investment in an ISA makes it tax efficient). Any potential profit you make is free from UK tax.
    • Remember that tax treatment is dependent on your personal circumstances and may change in the future.
    • Use our practical tools to monitor your investments, the current market situation and see how your investments are performing.
    • Visit Markets and Insights for the latest free independent market analysis. You’ll find information on the performance and latest prices of your investments. When researching your investments, remember that past performance is not a reliable indicator of future performance.

    Remember: if you’re in any financial difficulty the Money Advice Service can offer free and impartial advice. You can contact them via their website at

Please remember that the value of an investment and the income from it can go down as well as up and you may get back less than you invested. Tax treatment depends on individual circumstances and may change in future. We don't provide advice so if you are in any doubt about making your own investment decisions we recommend you seek advice from a suitably qualified financial adviser.

The IWeb Share Dealing Service is operated by Halifax Share Dealing Limited. Registered in England and Wales no. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.