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Toby Newbatt
Toby Newbatt
Toby Newbatt
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Hi, I'm Toby, I make personal finance, investing and stock market videos. I'm doing this to share what I've learnt over the past few years and what I wish I knew back then when I started. Be sure to subscribe to the channel for further updates and join me on the journey!

Business Enquiries and Partnerships ONLY:
tobynewbatt@icloud.com
What's Going On at Hargreaves Lansdown?
8:42
7 часов назад
The Only Portfolio You'll Ever Need?
11:42
14 часов назад
Do You Need More Than Just the S&P 500?
11:43
14 дней назад
Are Cash ISAs a Waste of Money?
11:32
28 дней назад
Vanguard Portfolio Update - May 2024
15:36
Месяц назад
The True Cost Of Dividend Investing
13:16
Месяц назад
5 ISA Mistakes You Must Avoid in 2024
12:52
Месяц назад
Vanguard Portfolio Update - April 2024
14:33
2 месяца назад
Do You Have Too Many Investing Accounts?
11:08
2 месяца назад
I Would Stop Investing If This Happens
11:00
2 месяца назад
How Many Index Funds Do You Really Need?
11:14
3 месяца назад
Should UK Investors Buy Bitcoin?
13:40
3 месяца назад
The British ISA - What Do We Know So Far?
11:52
3 месяца назад
Комментарии
@alantrunks2908
@alantrunks2908 Час назад
What would happen if H&L does get sold to PE? For example, what would happen to our parts we hold inside the ETFs? Would it push the price of the ETF up or down?
@TomsPersonalFinance
@TomsPersonalFinance 6 часов назад
Thanks for the update, Toby
@richsmart321
@richsmart321 7 часов назад
Another good video thanks Toby. FTSE remained flat, but how’s it doing in terms of dividends? Be interesting to know if ftse and owning dividend shares as part of your portfolio is a worthwhile way of diversifying your holdings for long term
@TobyNewbatt
@TobyNewbatt 7 часов назад
Here's total returns including all dividends :) I've made quite a few videos about dividends you might like.... FTSE 100: 1yr - 14.71% 3yr - 29.17% 5yr - 33.20% 10yr - 77.31% S&P 500 for reference: 1yr - 27.8% 3yr - 29.17% 5yr - 103.59% 10yr - 235.56%
@richsmart321
@richsmart321 7 часов назад
@@TobyNewbattwow you really are on top of your numbers! That really makes me depressed about the state of our London Stock Exchange.
@MrSimonious
@MrSimonious 7 часов назад
Dont be left holding the bag when everyone has dumped. Get out while you can, dont be greedy. More risk of dropping than going up more
@TobyNewbatt
@TobyNewbatt 7 часов назад
Quick everyone! Sell everything! Buy gold…build a bunker! 🙃
@onefrequencydown
@onefrequencydown 6 часов назад
​@@TobyNewbatt👍
@kw8757
@kw8757 5 часов назад
What time frame are you predicting here? Tomorrow? The day after? Next week? Next month? Next year? Ten years? What does your crystal ball say Mystic Meg?
@MrSimonious
@MrSimonious 5 часов назад
@@TobyNewbatt dont fall into the eternally hopeful/ optimist. A correction needs to happen is all im saying and you dont want to watch it all evaporate.
@notwkrail
@notwkrail 7 часов назад
Anyway
@TobyNewbatt
@TobyNewbatt 7 часов назад
Anyyywwwaaayyyy
@barmyb
@barmyb 7 часов назад
I bought the same index fund when i started investing and was still learning and stupidly bought the income version instead of accumulation. If i switch it over will i lose out somehow or does it make no difference? Im not sure how to switch it on the Vanguard platform and if its a good idea or not.
@TobyNewbatt
@TobyNewbatt 7 часов назад
Will make no difference - Vanguard would sell one and buy the other one. in your investments page, there are 3 dots next to your investment. If you click that you have buy, switch or sell - you can choose switch if thats what you want totally up to you.
@barmyb
@barmyb 6 часов назад
@@TobyNewbatt ah Thanks for the reply Toby really appreciate it!
@jaysea8t
@jaysea8t 7 часов назад
Sorry correction SMGB
@jaysea8t
@jaysea8t 7 часов назад
What’s your thoughts on the shgb etf? From what I can gather it’s based purely on semi conductor manufacturing? Surely there is a future here as almost every bit of tech both existing and upcoming will use them? Thanks for the content 👍🏻
@notwkrail
@notwkrail 7 часов назад
I understand that u don't need social housing. Just make sure the immigrants are invested
@declanmcardle
@declanmcardle 7 часов назад
@7:50 - I don't know what you earn, but I'd max out my pension contributions while you're young and you have the money....whats the UK limit ? 30/40/60k a year?
@popinjay3000
@popinjay3000 7 часов назад
for cash isa purposes please note trading 212 does not allow transfer ins any more, presumable until they lower the interest paid out
@notwkrail
@notwkrail 7 часов назад
Ouch
@alwayslearning7672
@alwayslearning7672 7 часов назад
So could I instead of putting in £300 per month for 30 years, just put in 108k in one lump sum now and come back in 30 years for the nest egg?
@thomasJF85
@thomasJF85 8 часов назад
You can send a secure message on Vanguard and ask them to transfer the residual cash to your ISA (i.e. to retain its tax-free status). I had the same. It does appear to take a while, like the initial transfer of the main ISA did.
@TobyNewbatt
@TobyNewbatt 7 часов назад
That would certainly be a good option!
@Abdul_Rahman86
@Abdul_Rahman86 8 часов назад
AI is definitely over hyped! The stock market is overvalued! But if I hold for the next 30 years I’m sure it’ll be worth a penny or 2
@simonnicholls3650
@simonnicholls3650 8 часов назад
I'm with you..Know idea whats coming..Just by and hold.
@alexbingham7928
@alexbingham7928 8 часов назад
Sweltering hot 😅 it's summer you listen to BBC news too much chap!!!
@clarenceishmael9615
@clarenceishmael9615 8 часов назад
Good work! Thanks for sharing. 😊👏🏾
@TobyNewbatt
@TobyNewbatt 7 часов назад
Thanks for watching!
@Gjudxdkjyzddhjnr7091
@Gjudxdkjyzddhjnr7091 8 часов назад
I want a Toby Newbatt vs Damien Talks Money rap battle in the near future
@TobyNewbatt
@TobyNewbatt 7 часов назад
😎
@coderider3022
@coderider3022 9 часов назад
I swapped my global all cap to VHVG to save costs. Tracks the DM too closely even if they massively over or under perform given their size in comparison
@declanmcardle
@declanmcardle 9 часов назад
@0:46 a dip? NVDA lost a whole TSLA worth! 🙂 Most of it back now...
@simonspencer3108
@simonspencer3108 9 часов назад
These vanguard updates are a bit content light… like the channel, but these ones don’t have much of a hook…
@notwkrail
@notwkrail 9 часов назад
When or if InvestEngine Personal pension transfers become available. Will you transfer as you have done with other stocks and shares ?
@TobyNewbatt
@TobyNewbatt 9 часов назад
I’ll keep it separate as I like to have some diversification on my platforms. I’m making a small pension on InvestEngine too already 👍. In total I use vanguard, trading 212 and InvestEngine
@mr.wibble
@mr.wibble 9 часов назад
Labour for 5 years - brace, brace, brace. They are not the party for business. Taxes and inflation will go up guaranteed Toby; it happens every time.
@davidhogg657
@davidhogg657 9 часов назад
Conversely, those of us who work in health care are running on empty. Have you been near an A&E department recently? Pandemonium
@TheGavranatar
@TheGavranatar 9 часов назад
​@@davidhogg657and Labour are going to save it?
@coderider3022
@coderider3022 9 часов назад
Pay your pension and avoid income tax.
@davidhogg657
@davidhogg657 8 часов назад
@TheGavranatar I think probably not, though more likely than this shower.
@davidhogg657
@davidhogg657 8 часов назад
@@coderider3022 neither are an option for me
@leestorm5640
@leestorm5640 9 часов назад
HI, I just starting with Vanguard,I would like to know how much they fee charge you on the end of year. Thanks for video,
@TobyNewbatt
@TobyNewbatt 9 часов назад
Account fees are 0.15% for the year - they are charged quarterly and you can pay by direct debit, cash in account or card. I pay mine by direct debit
@CrazyKosai
@CrazyKosai 9 часов назад
@@TobyNewbatt Hey Toby, what are the advantages of having that Vanguard account directly, rather doing this through broker platforms like XTB? Thanks for the info.
@TobyNewbatt
@TobyNewbatt 9 часов назад
@@CrazyKosai None :) The platform and the funds are completely separate things. I just like the platform for the SIPP - it's one of the lowest fees, no transaction costs and I like the brand safety too.
@Petersworld77
@Petersworld77 9 часов назад
Hey Toby, what’s that clock behind your head? Is it a market ticker too? Cheers.
@TobyNewbatt
@TobyNewbatt 9 часов назад
Check my description! So many people ask I have it there. It’s a WiFi smart panel and it can do basically anything so I have mine as a ticker 😀
@Petersworld77
@Petersworld77 9 часов назад
@@TobyNewbatt great thanks 👍
@kw8757
@kw8757 5 часов назад
@@TobyNewbatt Can you make it show a picture of the moon for that neon rocket lamp to go to? Soon as please I want to retire now!!!
@versaceviper9798
@versaceviper9798 10 часов назад
What’s everyone’s thoughts on AI ETFs like RBOD and BOTZ?
@coderider3022
@coderider3022 9 часов назад
DM is 25% tech and it’s all US, already too many concentrations here. It’s unsustainable and will cool off. Sorry to burst bubble, I’d rather buy when cheap not expensive.
@The_Unintelligent_Speculator
@The_Unintelligent_Speculator 10 часов назад
Happy dividend day 🤑
@coderider3022
@coderider3022 9 часов назад
Gilts pay out income next few days too.
@idiomatika
@idiomatika 10 часов назад
A 22.95% pension return sounds an awful lot more attractive than what I'm currently getting with PensionBee (14%), but as a know-nothing neophyte investor, I imagine it would probably be wiser to stick with the professionals than go it alone with a SIPP, right? *EDIT* Actually, I just had a look and the PensionBee growth is currently 17.2%, not 14%. That's not too shabby.
@IAmebAdger
@IAmebAdger 10 часов назад
Invest regularly into a low cost diversified global index fund (VWRP for example or the one in Toby's video) or target date fund and do not touch it or meddle with it, nice and simple. If you don't trust yourself to do that, then a professional might be right for you, as long as fees can be kept low (some professionals are really ripping you off, that 17.2% growth isn't what it seems, gotta subtract professional fees from it and see if it's still worth it).
@declanmcardle
@declanmcardle 7 часов назад
The reason is because it's probably invested in something good like S&P500 / MSCI World etc. which have gone up 30+% since October 2022, not some crap that Legal & General or Aviva have hodged podged together and said "there, that'll do for everyone in the telecoms/shop workers/rail & bus/teachers/nurses unions."
@valerienewbatt9678
@valerienewbatt9678 10 часов назад
Very good video,as always.
@crispianhindmarch4183
@crispianhindmarch4183 10 часов назад
If there is a huge so called bear market are you risking your pension. i.e. 52,000 would drop by how much? Would a pension company mitigate by using bonds or other measures?
@TobyNewbatt
@TobyNewbatt 10 часов назад
Honestly it doesn’t bother me. You can use all the bonds you like but in a bear market we’re all going down 😀. That’s the benefit of being young and investing in stocks this is for many many decades. Remember in 2022 bonds had their worst ever year…even a conservative investing portfolio is going to be mostly stocks Each person to their own strategy though as this is up to you 👍
@coderider3022
@coderider3022 9 часов назад
Buy more, sale would be on. I would even sell bonds to buy stock. Locked and loaded for trump to disrupt market.
@TheBigShort11
@TheBigShort11 10 часов назад
Buy quality stocks and hold them forever and forget the ETF shit.
@TobyNewbatt
@TobyNewbatt 10 часов назад
Cool sounds great! You must know the good ones to pick and hold forever right? Can you name a company that has existed forever 😉
@bob1234881
@bob1234881 10 часов назад
Just sold my IT etfs and changed them to Idian and S&P 500.
@davidmelrose8051
@davidmelrose8051 10 часов назад
Just withdraw the 12 quid
@TobyNewbatt
@TobyNewbatt 10 часов назад
I could get a few meal deals
@kw8757
@kw8757 5 часов назад
@@TobyNewbatt Add it to your pension and get the tax relief. In 25 years at 5% net/pa it'll be worth £50. (Not financial advice, the value of investments can fall as well as rise and past performance is not an indication of future performance).
@lewishall5510
@lewishall5510 10 часов назад
Hi Toby! Just wondered what your thoughts were on etf portfolios that allocate a small percentage to a growth and dividend stock, e.g. a 3 fund VOO VHYL and QQQ portfolio? Thanks!
@SpeakHearSeeNoEvil
@SpeakHearSeeNoEvil 10 часов назад
I'd keep it simple and buy the S&P 500 and call it a day.
@coderider3022
@coderider3022 8 часов назад
I love idea of QQQ but tech is super risky so only in small amounts / satellite.
@callum6652
@callum6652 10 часов назад
Always know it’s going to be a good video when the notification pops up
@TobyNewbatt
@TobyNewbatt 10 часов назад
👊
@Norfolkpaul
@Norfolkpaul 10 часов назад
Well done 👍
@jonathanreevescad
@jonathanreevescad 11 часов назад
Yes. First comment! I do agree AI is both a huge opportunity and threat in all areas including 3D architecture which is my area.
@Boghopper9999
@Boghopper9999 8 часов назад
It will augment you, not replace you.
@chrisf1600
@chrisf1600 7 часов назад
3D architecture as opposed to what... 2D ? 4D ?
@Ghost-M1426
@Ghost-M1426 11 часов назад
Yieldmax is the way to go. 2k with less money and time.
@marifdv
@marifdv 11 часов назад
The problem for me is that buy buying s&p500 I’m funding companies that I hate… there should be a s&p 500 “but” this this and this - that I could pick out some stocks…
@TobyNewbatt
@TobyNewbatt 11 часов назад
There are ESG versions of the index that might be better suited - for example check out the ETF ESPX or similar. You will have to see if that meets your needs and removes the companies you don't like :)
@marifdv
@marifdv 10 часов назад
@@TobyNewbatt Yes, I have those, but still they include things like McDonald's and other food companies that use meat and dairy... There should be a vegan index hehehe.
@bennyc655
@bennyc655 11 часов назад
Jack Bogle the founder of Vanguard wrote a guide to investment clearly stating that no one can predict the market and all predictions are noise. Period
@soundslight7754
@soundslight7754 12 часов назад
Here is some more 1. Transferring funds between your different accounts (all in your own name and held with them) takes 48 hours - why? 2. Their platform keeps auto log off if inactive a few minutes - why? 3. No fractional shares! 4. Only or mainly Market Order available 5. No voting rights for shareholders 6. Limited shares available 7. When selling in say € and want to buy other shares in €, you still have to pay 2 x 1% exchange fees 8. Exchange rate offered isn't competitive 9. Spread is too high 10. They haven't moved out of middle ages into 21st century
@soundslight7754
@soundslight7754 12 часов назад
I don't know how HL is getting such such good ratings when they don't score highly in anything
@sebascarmonag
@sebascarmonag 15 часов назад
Glad to have watched this video, I was thinking of opening a JISA for my kid because HL doesn't have fees on this account, but now I better think about a different provider. Any suggestions? @TobyNewbatt
@gorgeousgeorge3947
@gorgeousgeorge3947 15 часов назад
HL is expensive until you have a problem. Then they are far superior. I have a Sipp with HL and an Isa with II and know of what I speak. I agree the share dealing fee could be lower but no argument with the platform fee.
@wilhelmjackson5869
@wilhelmjackson5869 16 часов назад
Be aware of the ETFs base currency. I alway try and buy one that’s base currency is my own since it mitigates exchange rate risks more. Low cost is good but if your looking for an average rate of market return a slight change in currency rates can skew your returns.
@MadderPrinciple
@MadderPrinciple 16 часов назад
Lots of competition in this sector, great company, but have not moved with the times. Private equity option not for me!
@niklaslehner996
@niklaslehner996 18 часов назад
Simplicity is underrated. Most investors would probably be better off using only a single fund for stocks. I would take the slighly higher fees, to avoid behavioral mistakes like heavily overweighting regions based on recent perfomance. I am also missing a bond fund, as most investors dont have the risk tolerance for 100% stocks. My ideal portfolio consists of only three funds: global stocks, global bonds (hedged or unhedged) and money market to represent cash. Most people dont even need a money market fund.
@andrewlegalley5741
@andrewlegalley5741 18 часов назад
I moved my entire 401k into the s&p500 as of today my 401k is up 47.1%.
@TobyNewbatt
@TobyNewbatt 17 часов назад
Boom shakalaka
@agsotonukable
@agsotonukable 18 часов назад
Hi this is a good helpful video. What is that display on your wall in the background please?