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Forex: Demo Before You Dive In

2011-11-25 10:49:34

Posted: Oct 4, 2009

Because forex (FX) is a decentralized market in which dealers disseminate their

own price feeds through proprietary trading platforms, it is crucial to learn

the features and idiosyncrasies of each type of trading software before

committing real funds to an account. Fortunately, in retail, FX traders can

test out each platform using demo dollars. Every reputable dealer in FX allows

potential customers to download a free demo version of its software. This is

critical if the customer is to become acquainted with the platform's layout and

the means of order entry. Here we'll discuss the importance of demo trading and

let you know what you should look out for when trying different platforms. (If

this seems a little over your head, check out our Forex Walkthrough Charts,

Economics, Trading, or you could start at Beginner.)

Basic vs. Integrated Platforms

Looking at the following screen images, you can see how some platforms

integrate everything from charting to news, while others have very simple

layouts that focus only on price quotes, order entry and reporting.

Figure 1 - A very straightforward platform from FXCM. The primary focus is on

execution - quotes, positions and account balances are all clearly marked and

visible.

Figure 2 - A more integrated platform from Oanda that tries to combine quotes,

charts and account balances all on one screen.

Figure 3 - Another integrated platform, this time from FX Solutions, that

squeezes a trade summary, quotes and market news headlines all into one screen.

Placing Orders

As a trader, you should always try out dealer demos before trading live - it's

the only way to become familiar with the different features of various

platforms. For example, some platforms simply use pop-up tickets, while others

actually mark the order location on the chart. Typically, to buy a currency

pair, you simply click on the offer part of the quote (the ask), and to sell,

you click on the bid part. Some platforms allow you to choose market or limit

orders after the quote window pops up, while others force you to make your

selection beforehand. (For more information on placing orders, see The Basics

Of Order Entry.)

It's a good idea to place at least 20 demo trades on each platform before

trading actual money, just so you can master the specifics of order entry on

each platform. A trader should never trade live unless he or she can

confidently answer all of the following questions:

How do I place a limit order?

How do I set a stop?

Can I set a limit and a stop at the time of entry?

Are the spreads on the platform fixed or variable?

What is the lot size that I can trade (1,000 units, 10,000 units, 100,000

units)?

Can I mix and match the lot sizes?

Can I call the dealing room directly if my internet connection goes down?

Figure 4 - A simple market order ticket on the FX Solutions platform that

clearly shows that the user is selling 1 lot of GBP/USD.

Figure 5 - An example of an order ticket on the FXCM platform that allows the

trader to attach stop and limit parameters to a market buy order of EUR/USD.

Figure 6 - From the Oanda platform, a limit order in EUR/USD that quotes all

the way to five decimal places (i.e. 1/1000th of a penny!) and automatically

makes the order good for a week.

The Taxman Cometh

One function that most new FX traders overlook is tax reporting. Because FX is

a global, unregulated market, dealers as a general rule do not provide any

documentation to the tax authorities in the trader's country of residence. Tax

reporting is solely the responsibility of the trader. Dealers simply produce

detailed transaction histories - in an electronic format - from which the

traders must then compile their own tax reports. Such an arrangement clearly

calls for a trading platform with highly organized and flexible reporting

functions. But reporting quality varies greatly from dealer to dealer: all

dealers will provide you with a full transaction report, but how those

transactions are laid out could mean the difference between spending hundreds

of hours on reconciliation or taking one minute to print out a final report to

present to your accountant. Note the different approaches to reporting in the

following platforms:

Figures 7 and 8 - Note how the FXCM platform elegantly separates closed trades,

outstanding orders and floating positions and then tidily summarizes all the

key activity in an account summary.

Figure 9 - The Oanda platform requires the trader to do his/her own trade

reconciliation.

Some FX traders may generate as many as 1,000 trades in a year. A platform that

reconciles all those trades into an easy-to-understand, end-of-year income

statement, breaking down all profits and expenses, can be invaluable.

Reporting, though hardly the glamorous part of FX trading, is a crucial part of

a trader's personal record keeping and can have significant tax ramifications.

Tax treatment of currency trading is very much dependent on the individual's

tax status. Most dealers will not advise you regarding tax matters, nor should

you take their advice if they do, because they lack the expertise to deal with

the multitude of tax authorities around the world. You should always consult

with a tax professional before choosing a course of action.

A final note on taxes and reporting: as you try out the various dealers'

platforms, you will find that certain functions are common across most

software. The devil is in the details, which can determine the difference

between profits and losses.

Trade Like It's Real

Once you have mastered the mechanics, you can use the demo platform to

experiment with various trade sizes and styles and determine your trading

personality. Are you a short-term momentum trader who likes high leverage and

tries to capture 20-30 point intraday moves? Or do you prefer using smaller

sizes to hold longer-term positions that could potentially yield hundreds of

points? Demo trading can help you discover what type of trading suits you best.

Always remember, however, that demo trading is in no way similar to trading

real money. You may be perfectly calm about sustaining a $10-million loss with

fake money, but might become completely unhinged over a $100 loss in your real

account. To make demo trading as productive as possible, you need to trade the

demo account as though the money were real. For example, if you plan on funding

your real account with $5,000, don't trade a demo account that has $100,000.

The thrill of a $1-million trade can give you a temporary high, but it will

only hurt when you have to transition to a real account, because you will have

no sense of proportion and will likely make drastic errors in judgment.

Conclusion

Even after you decide to trade live, demo trading can be very valuable. Many

successful traders will test strategies and set-ups on practice accounts before

they try them out with real money. Although demo trading will not guarantee you

profits in real life, almost all traders agree that if you cannot first achieve

success on a demo, you are almost certain to fail in your live account. This is

why demo trading is vital to the growth and development of all FX traders.

For further reading, take a look at our Forex Walkthrough.

by Boris Schlossberg