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!
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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?
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
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?
@@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.
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.
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.
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 👍🏻
@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?
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.
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
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
@@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.
@@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.
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.
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.
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).
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."
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?
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 👍
@@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).
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!
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…
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 :)
@@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.
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
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
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
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.
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.
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.
