InvestEngine Portfolio Update - Stocks and Shares ISA - June 2024

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Опубликовано:

28 сен 2024

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Комментарии : 138

@GregGeorge189 3 месяца назад

Thank you for bringing up this strategies, It's always a honor to have you here as a mentor. I appreciate you for the time being spent to educate us financially. With the helpI have netted a profit of 35k from my stock investment of 9k since following you for few weeks now after feeling so ecstatic and heavy minded that nothing good can come out of it.

@iwayini 3 месяца назад

Thanks for the update. I put money in the NASDAQ 100 instead of UK FTSE 100 and it has done very well recently. Keep up the great work!

@MindfulJai 3 месяца назад

Who do you invest via please?

@fredatlas4396 3 месяца назад

@@MindfulJai Via what ?

@boyasaka 3 месяца назад

USA will Always blast fcuk out of the ftse 100 Compare s and p performance or Nasdaq 100 over last few years to the ftse 100

@MindfulJai 3 месяца назад

@@fredatlas4396 what platform do you invest via please? Trading212 doesn't allow this investment just view only

@aviraltripathi313 3 месяца назад

@@MindfulJai iShares Nasdaq 100 UCITS ETF (Acc) (CNX1) for UK market. You could also look at xtracker for same etf.

@Crazydiamond_1974 3 месяца назад

Ah mate, I have been thinking of investing from my business for years, but never found a straightforward way to do it. I am definitely going to look into this. Hopefully the tax implications are clear in the description

@TobyNewbatt 3 месяца назад

I'll do a more in depth video on it but tax wise if you have a limited then any gain you make from investing all counts towards revenue.

@sirzee75 3 месяца назад

Thanks Toby. Really useful update. I just joined Invest Engine after watching your videos and already I am showing a healthy increase. Big thanks for your info as always. Keep the videos coming 👏👍

@TobyNewbatt 3 месяца назад

Welcome aboard and good luck!

@lawrencer25 3 месяца назад

Another fabulous video 🎉🎉🎉🎉🎉

@ruby_jutlay 3 месяца назад

Hi Toby. Relatively new to your channel. Why have you invested only on Growth funds in your isa? When it comes to retirement, from what I understand, you won't be able to cash out your dividends as they are automatically reinvested. I'm 50 now, so I've opted to invest in the Income version, but reinvesting dividends for now until I retire.

@TobyNewbatt 3 месяца назад

Hi Ruby, great question - and I have talked about dividends quite a lot on my channel :). They are totally not a necessary thing for retirement, if I need money from my investments I will be selling what I need. In short, this is a bit of a trap that is repeated to investors that you somehow need dividends to get income. What ends up happening is people focus on only buying companies that pay a dividend. This is like buying a car because it has red paint. See my videos on my channel about dividends :)

@AlexisMoore-nx6wf 3 месяца назад

I'm just sharing what I've read and watched about retirement, but the common wisdom is to draw down on your investments rather than live off dividends. Once you retire, hopefully, you still have decades for your investments to grow. As you get close to retirement, consider moving investments into bonds or having savings to weather a crash, perhaps two years' worth of living expenses.

@vish6351 3 месяца назад

Great update 😊 I was wondering what your thoughts are on countries potentially dropping the petrodollar system in favour of something like project mbridge which isn’t dependent on the US dollar for trade. If countries do switch to a new system the dollar would devalue overtime, inflation would rise and the stock market would suffer as a result. Also would you look to reduce your VUAG holdings and diversify further into emerging markets if this is the case?

@fredatlas4396 3 месяца назад

I wanted to open an investengine stocks & shares isa, plenty of choice of etfs plus no platform fee or dealing charges. Also i liked the ability to be able to invest small amounts in a monthly saving, pound cost averaging set up simple, and still have 3 or 4 etfs without needing to invest larger amounts. But when I tryed to set up an account i soon realised I couldn't just pay a lump sum in with my debit card and easily set up regular savings portfolio. I needed Internet banking and some open banking thingy. So i cancelled the account

@Ingsta6603 3 месяца назад

Hi Toby Like you I invest around 1k per month. Originally it was £800 into a Vanguard S&S isa and £200 into a Vanguard sipp, however I now put £500 in each to get extra tax relief. I am 54. though, would you agree with this approach?

@TobyNewbatt 3 месяца назад

No right or wrong answer here, there are pros and cons for both! Hard to say no to the additional tax relief of the pension though :)

@andrewn7340 3 месяца назад

I haven't yet received my ISA transfer bonus from InvestEngine for the May promotion 😕

@TobyNewbatt 3 месяца назад

contact support if you need to. Mine did take a while considering I transferred at the start of April, it only came through recently

@FrankCastlesConscience 3 месяца назад

Is there any news about IE accepting pension transfers into a SIPP?

@tonyh1460 3 месяца назад

Waiting for this too

@TobyNewbatt 3 месяца назад

As soon as it's available I'll let you know :)

@DomS77 3 месяца назад

I’ve initiated a transfer from Vanguard to InvestEngine. Taken an absolute age and now on the 2nd to last stage. I’m assuming I’ll still get the bonus when the transfer completes

@TobyNewbatt 3 месяца назад

Indeed, you'll get the bonus the terms are based on when you initiated the transfer, not when it completes :)

@valerienewbatt9678 3 месяца назад

Great video as always

@AdrianOsborne-d7e 3 месяца назад

Would you say InvestEngine and trade 212 stocks and shares isa are the same or would you have a clear winner? I use trade 212 but like the stats and graphs you show in InvestEngine.

@rjScubaSki 3 месяца назад

I’ve got both. T212 is slightly less annoying to me as trades execute faster

@TobyNewbatt 3 месяца назад

I've done in depth videos on both platforms in my reviews. I have both and use them both for ISAs but different purposes :)

@mrkiplingman 3 месяца назад

I was thinking the same I wish trading 212 showed you the money you invested along side of the returns your making because at the moment it just adds them together when you deposit money so it's harder to see the progress of your returns.

@DanielMasud-v3c 3 месяца назад

Hi Toby I wondered if you could give an overview of the choices for business investing accounts via vanguard, ii etc

@TobyNewbatt 3 месяца назад

Yes thanks I’ll need to do a future video on this one!

@silversurfer7223 3 месяца назад

Hi Toby, For each of your five vanguard ETF’s was the cost £500 each = £2500? If the answer is yes, then what is your rationale when a Vanguard all world ETF would be cheaper at £500? Is the performance of the S&P 500 a factor in your ETF selection? I’m late to the game on investing so please excuse my ignorance.

@TobyNewbatt 3 месяца назад

No worries at all! So fees are weighted not totalled I hope that makes sense. In your example let’s say you did invest £500 into each of these 5 ETFs (that’s not what I have done but let’s play along for the example) The fees are based on the percentage of those £500 investments NOT totalled. So my current average cost is 0.09% compared to a Vanguard global fund of 0.22% I hope that makes sense. Maybe in my next update I’ll explain it a bit better 😎

@loubailey481 3 месяца назад

Hey Toby, referencing one of your videos from the other week - do you think you’ll swap your vanguard ETFs to cheaper TER versions?

@TobyNewbatt 3 месяца назад

Possibly! It's always in the back of my mind how much I want to tinker....maybe a discussion point for future videos! I think there can always be a point of diminishing returns though :) - when they are really low maybe something like tracking error could have more of an impact! :)

@francesboyce3221 3 месяца назад

Thanks for the update. I have a ? according to Charlie Munger the first 100k is the most important. Does it matter if it is in different assets or is he talking about a single account eg ISA. I ask this because I am nearing that figure but spread over different assets

@TobyNewbatt 3 месяца назад

Congratulations first off thats amazing. On the second part - the amount of accounts and how its split is not relevant. Assuming you are talking about compounding your wealth from here on out. The math doesn't change, it just gets easier the more you have presuming you can stick with this for the very long term. £100k or $100k is just an arbitrary number, but it's a really nice mental barrier and money compounds faster the more you have. Now comes the hard part...waiting! :)

@boyasaka 3 месяца назад

I think that statement is a bit misleading The first 100 is most important And there is virtually nothing in it if you had say 95k So you could say the first 95 or first 110k Or first 90k 100k is just a figure plunked out of the sky The more you have the more you get from compounded interest My work pension last Sunday was 127100 Today it’s 128500 A gain of 1400 pound in a week

@francesboyce3221 3 месяца назад

@@boyasaka Yes I suppose it is a figure that you can work around but it is a target I suppose. You are getting nice returns on your pension

@MindfulJai 3 месяца назад

Great video Toby Is the reason for having seperate funds vs just S&P 500 then say an all world ex America so that you can tweak the various funds based on the markets more specifically as you wish? Ive been looking at my current investment. Target percentages below Invesco all world etf - very low cost (0.15%) 80% S&P 500 esg - performance virtually mirrors the standard however screens out alot of the worse offenders. Tech focused 10%r Vanguard all world esg Also covers smaller companies 5% Royal London - mostly UK and quite bond heavy 5% RL fund only available via HL platform not trading 212 Looking at AJ bell vs HL platform as etf fees are less than half. Also invest engine for retained profit Interesting you keep the Pension super simple

@TobyNewbatt 3 месяца назад

Thanks Jay - yes in answer to your question my portfolio looks like this partly because I enjoy playing around with the different ETFs to see how cheap I could make my overall costs! I could do perfectly fine sticking with something like the invesco all world ETF which is probably the best global fund you can get in terms of pricing. I like your thought process, now we just have to stick with it for a very long time!

@MindfulJai 3 месяца назад

@@TobyNewbatt absolutely agree. It's funny because I try to help people engaged and excited about investing but at the same time the simpler and more boring the better! Shame invest engine doesn't have a LISA... Are there no buying/selling fees?

@carolynsolomon-pryce6493 3 месяца назад

This is great content. Thanks for sharing.Can I ask what the difference is between Vanguard S&P 500 and Vanguard's U.S. Equity Index Fund - Accumulation? Is one better than the other, or are they essentially the same thing? Which are you likely to get better returns from?

@TobyNewbatt 3 месяца назад

Great question. The main difference is this: The S&P 500 is just 500 companies HQ'd in the US The US Equity Index is MOST of the companies listed in the US (includes small, medium, large etc.) You can see it contains 3,500 stocks or so. On another note the US equity fund is a mutual fund and NOT an ETF - this is just a technicality but it means that it is not available on most platforms to buy. What will perform better - your guess is as good as mine :) - nobody knows. Pros and Cons can be made for either - better to have more companies to be more diversified etc. less concentration?

@carolynsolomon-pryce6493 3 месяца назад

@TobyNewbatt thanks for clarifying. I invested in the US equity fund 4 years ago, rather than S&P 500. I've seen some healthy returns. I like the idea of diversification and less concentration. I'll keep going.

@Zeus_1983 3 месяца назад

When did you start investing?

@TobyNewbatt 3 месяца назад

a long time ago - but the way I invest now is not how I used to invest. I've done everything from trading, CFDs, forex, stupid stuff...but around 2012 I think

@dominicmcnamara 3 месяца назад

@@TobyNewbatt I told a friend, if you bought an original iPhone for USD499 in 2007, you invested in AAPL. However, if you'd bought AAPL shares, they'd be worth USD17,500 now.

@andyh3142 3 месяца назад

Ironically it’s the stupid stuff that allows trading 212 to keep the charges at zero and have a very low fx fee.

@TobyNewbatt 3 месяца назад

@@andyh3142 Indeed they make their money from the CFD side, it's no secret. This funds us more sensible investors and allows things to be so cheap/ free.

@andyh3142 3 месяца назад

I use trading 212 myself currently making use of the cash isa to park a bit of cash that won’t be used for investing

@juan-bf7hm 3 месяца назад

Isn't your portfolio similar to just investing in Vanguard FTSE All World? Honest question. Thank you for your work

@AlexisMoore-nx6wf 3 месяца назад

Investing this way allows greater control. So Toby can dial up/down certain markets when he wants to. It also tends to work out cheaper than say VWRL. I replicated VWRL, avoiding the 0.22% fee, paying 0.13% instead.

@TobyNewbatt 3 месяца назад

As per below, yes it's pretty much a global portfolio - however it is cheaper this way + I can tinker a bit and adjust if I like. But if I really want to make it simpler yes I could stick to one fund :)

@gabymotsoloc9295 3 месяца назад

Index and chill - 0 (? ??). So what was this T-shirt about the other day?

@TobyNewbatt 3 месяца назад

This is how I invest, I use index funds and chill?

@kakyoinnoriaki7725 3 месяца назад

Your portfolio is very much weighted toeards large cap companies, and with your selection of US, Europe, UK and Japan ETFs you are excluding developed markets outside of these categories like Australia, NZ, Canada, South Korea, Hong Kong and Singapore. Just an observation!

@TobyNewbatt 3 месяца назад

Yes correct there will always be small parts missing which probably work out to be around 5-6% of the total global market ☺️.

@kakyoinnoriaki7725 3 месяца назад

@@TobyNewbatt There are ETFs that cover the global market, including developed and emerging markets and a mix of large, medium and small cap companies

@TobyNewbatt 3 месяца назад

@@kakyoinnoriaki7725 I know :) And they cost more to invest in. Will they perform better in the future? Who knows. I'm perfectly happy with the portfolio as it is right now.

@beancount811 3 месяца назад

Tobz, you really need a hedged version of that Japan ETF. ;)

@TobyNewbatt 3 месяца назад

I prefer to live life on the edge :P. Only issue with any hedged investments is that you are betting on currency exchange getting worse (protecting downisde but no upside) - what if it moves in your favour?

@beancount811 3 месяца назад

@@TobyNewbatt You're a braver man than I, Toby! Betting on the eventual appreciation of the yen has made many FX widows over the years. XD There's also the issue of the unhedged version tracking the performance of a Japanese index in USD terms. Have a look in the KIID. This may not necessarily reflect your core philosophy of taking the returns as they are in native currency and only worrying about the relative performance to GBP over the long term. In fact, this is a common sleight of hand in most large index funds, but since 60% of stock market performance comes from the US globally and somewhere around 80% from developed markets close enough to the US in terms of performance and central banking policy, punters rarely notice the implied currency risks they carry; assuming they hold the world or the equivalent weights in separate ETFs.

@Rhino3369 3 месяца назад

What made you switch to Invest Engine from Vanguard?

@TobyNewbatt 3 месяца назад

Fees - althougth VG is not pricey, they add up over the very long term so I thought why not take advantage while I can. I also use Trading 212 for the same reason. Virtually no fees and super easy to use. Also, Vanguard dont allow fractional ETF buying :)

@Rhino3369 3 месяца назад

@@TobyNewbatt Thanks a lot 😎

@louist8795 3 месяца назад

I’ve got 70% of my portfolio in S&P 500 15% in ftse 100 and for the last 15% I’m not sure whether to invest in the emerging markets or developed Europe

@AlexisMoore-nx6wf 3 месяца назад

By not investing in Europe or EM, your portfolio is saying they will never outperform US and UK. In last 15 years that has mainly proven correct (in terms of the US). But then again, if you’re investing no more than 10% in EM then you’re not missing out on too much. India has done really well lately, but as a % of your portfolio, you probably wouldn’t have noticed it.

@louist8795 3 месяца назад

@@AlexisMoore-nx6wfcheers for your help so would you say that last 15% in EM

@AlexisMoore-nx6wf 3 месяца назад

I should add that it’s healthy to diversify your portfolio. I’m assuming you’re invested in 600 companies. A global index fund contains about 4000.

@louist8795 3 месяца назад

@@AlexisMoore-nx6wfyes 600 company’s 500 from S&P 500 and ftse 100 so would you suggest go for an index fund that has lots of company’s included in it

@AlexisMoore-nx6wf 3 месяца назад

This is not advice, but my portfolio tries to replicate VWRP (0.22% fee). I have VHVG and VFEG which works out as 0.13% in fees. How much EM exposure is down to you. VWRP contains 5% Asia, 5% EM and 5% Rest of the world. Personally I have 10% EM in my portfolio. A few percentage here or there won’t make much difference, so I wouldn’t over think it.

@pnbmpnbm1155 3 месяца назад

You are invested 100% in equities at all time highs with no downside protection?

@TobyNewbatt 3 месяца назад

When you say downside protection what do you mean? I invest every month, I'm building my wealth, I don't need any income, i'm diversified with a global selection of stocks. I have no debt, an emergency fund, low living costs. What more do I need :P

@AlexisMoore-nx6wf 3 месяца назад

I guess they're talking about bonds. However, if you're investing over decades, PensionCraft has shown that bonds can be a drag on performance. In the event of a crash, recovery tends to be quick, usually within a couple of years.

@tomaszkowalczyk4839 3 месяца назад

could you make video about business accounts?

@TobyNewbatt 3 месяца назад

Yes I probably will quite soon, I want to cover the topic of how to invest money for business :)

@callum6652 3 месяца назад

If I were to cancel my savings plan to renew the savings plan, do you reckon that would work within the InvestEngine giveaway criteria?

@lawrencer25 3 месяца назад

Why not just ask IE 🤦🏽‍♂️🤦🏽‍♂️🤦🏽‍♂️🤦🏽‍♂️🕴👍

@callum6652 3 месяца назад

@@lawrencer25 because that’s exploiting their aim here so why would they want anyone to do that, best to ask elsewhere 🤦

@TobyNewbatt 3 месяца назад

Ha funny question - check the terms I'm sure they've thought of that HOWEVER - it does say you can start a savings plan in a new portfolio so thats very easy to do and perfectly fine :)

@bob1234881 3 месяца назад

That looks less than 10%??

@TobyNewbatt 3 месяца назад

what looks less than 10%?

@theYoutubeHandle 3 месяца назад

@@TobyNewbattthat

@AlexisMoore-nx6wf 3 месяца назад

He’s talking about the total return compared to the total balance. It’s less than 10% not 21.72%. But that’s because investing platforms use the time weighted return as the return %.

@TobyNewbatt 3 месяца назад

@@AlexisMoore-nx6wf There's the answer then, if only I knew what the question was :)

@beancount811 3 месяца назад

The £ value is the cash return, which is a very simple calculation. The % return is the time weighed to accurately account for multiple contributions and withdrawals (your relative return is higher for the sums invested at lower prices and lower at higher prices). The latter is more accurate for accounts where you have regular contributions, withdrawals or a bit of both. The former is ok for one lump sum you just hold.

@Zeus_1983 3 месяца назад

First

@RezaulTanim 3 месяца назад

Check your email please.

@wicky525 3 месяца назад

Can I ask how long the HMRC rebate took to land on your IE SIPP ? Currently waiting over 12 weeks and no sign of the money yet ☹️

@TobyNewbatt 3 месяца назад

from 1st Feb it took until 19th April for my first deposit in my SIPP. Im sure yours must be very close.

@beancount811 3 месяца назад

Yeah, takes a while. I think it's just the back office that is a bit slow. IE is very much about fintech and less about a busy back office. Some providers who hold cash deposits or in general have big buffers, may occasionally gross up almost immediately and claim the HMRC funds on arrival against this, but this is rare. So it does boil down to how good the admin is in dealing with HMRC and any other intermediaries. Then the transfers themselves are normally snail pace (3 working days average between parties). But they do land roughly within the advised window with IE. As it grows, hopefully this part of their pension operation will sharpen up.

@syiccal 3 месяца назад

How do you feel the upcoming US elections will affect the stock market and S&P 500

@notknownguy 2 месяца назад

Is IE hood for beginners to start ??

@ericbullock6553 3 месяца назад

Hi Toby great video. Your clock behind you, is it displaying stock prices? Where did you purchase it?❤️🙏🏽

@TobyNewbatt 3 месяца назад

Check the description :)

@RM_3D 3 месяца назад

What is the difference in Vanguard developed Europe ex UK (VERX) and vanguard developed Europe ex UK (VERG).

@TobyNewbatt 3 месяца назад

Very simple one: VERX pays a dividend VERG accumulates dividends That’s the only difference

@Norfolkpaul 3 месяца назад

Great video 😊

@steve6375 3 месяца назад

Hey Toby. I am a standard rate tax payer (usually) and I max out my ISA every year. I want to know the best place to accumulate and park cash (including any costs) - I use this as an emergency fund and also to build up savings without risk as well as a 'safe' place if I decide to convert some of my GIA into 'cash' for safety (same principle as holding bonds in a pension). So up to now I have been just using a standard easy-access savings account (whichever one pays the highest interest) but then I realised I am getting taxed at 20%, whereas if I bought CSH2 ETF, I would get taxed at 10% (and only on crystallisation when sold - not all of it every year). So is this the best way to park cash safely with some growth or is there a better way or better ETF without market risk but still quick access? Trading212 pay 5.2% is this better or is it subject to income tax outside an ISA? Is it better to put any spare Trading212 GIA cash into CSH2? Can you map out the pros and cons please? Thanks.

@TobyNewbatt 3 месяца назад

Firstly great Q here Steve. Good reminder here that any profit made with CSH2 (or any investment) would be a capital gain (only when sold) and not savings income. The only downside would be that any investment like this or the 5.2% in Trading 212 (outside of the ISA) is technically not protected by any FSCS scheme. To some people this would put them off but to me this is not a concern. For a money market fund to fail like this...we'd have much bigger issues to worry about but it is worth being aware that it's not a savings product but more of an investing product. Outside of that I guess the only other option is premium bonds? Fully protected but then it's a lottery so nothing is guaranteed. I like your way of thinking here and that tax saving is a nice little hack if you want to put up with the 'risk'.

@steve6375 3 месяца назад

@@TobyNewbatt Thanks for reply, of course a higher rate tax payer will be taxed at 40% income tax rather than 20% CGT (assuming the interest payments are above Personal Savings allowance of £500). I tried Premium Bonds for many years but found the return rate far too variable (with some very bad years) and so I have gone off them, though I still have a few as it is fun to check every month to see if I have won!

@steve6375 3 месяца назад

Toby, another Q. I just actually read the gov website on CGT and it mentions that costs can be deducted from gains. It never occurred to me before. So does that mean we can deduct platform and also any additional trading costs off the total gains figure? What if we have two platforms each with costs, but we actually only sell on one of them in a tax year, can we deduct the cost of both platforms from the gain of one of them? Also what if SIPP platform has a cost, can we deduct this from cap gains too😊

@AlexisMoore-nx6wf 3 месяца назад

Seems like the answer is no. I entered your question into Gemini and it came out with this: “No, you cannot deduct platform fees from capital gains tax calculations in the UK. HMRC has a specific list of allowable costs that can be deducted, and platform fees are not included on that list. The allowable costs are limited to incidental costs of acquisition and disposal, such as broker fees for buying or selling the asset. Ongoing fees, such as platform charges, are not considered allowable costs.” My only question to you is why are you having to pay CGT? Have you made full use of your ISA and pension allowance? Depending how much you earn, the maximum contribution allowance is £80k a year (between pension and isa).

@steve6375 3 месяца назад

@@AlexisMoore-nx6wf Thanks for looking into this and your reply and the bad news (not so much)! I don't trust AI for answers as it has got it wrong on many occasions, but I think in this case it is correct, sadly. I am retired and so can only contribute 2.8K into SIPP at best. I max out ISA every year as I xfer some GIA into ISA each year. I was made redundant at 57 and had no chance to start adding heavily into a SIPP before I received a work pension at 60. I guess there is a warning there for others, i.e. don't rely on massively contributing to a SIPP in last 5 years in case you are made redundant (or have unforeseen health issues)?

@dot7999 3 месяца назад

Hi Toby. Do you not invest in SCV funds like Avantis or DFA if you believe in the scv premium?? also why did you choose only s&p500 as the US market when there's tons of companies out there??

@beancount811 3 месяца назад

The nearest you can get on IE is ISP6 or some such tracker with around 40% in SCV. They tend to be the more expensive ETFs to hold, volatile, and you need to hold them for a very long time to get any premium. USSC isn't available; nor are the ETFs from Avantis or DFA on this platform. It's difficult to find something that is reasonably priced and matches the spec from the research exactly. S&P500 by contrast is dirt cheap to hold, dominates the US index and has a good enough track record.

@_mklein 3 месяца назад

My 50k portfolio has been on the red since 2023! Definitely switching from single stocks to ETF’s!

@boyasaka 3 месяца назад

What kinda single stocks you in Obviously UK stocks Switch to USA stocks Or etf or both

@TomsPersonalFinance 3 месяца назад

Looking good Toby 👍

@TobyNewbatt 3 месяца назад

Thanks mate. Fast forward 20 years time and we’ll see how it looks 😂

@tonyh1460 3 месяца назад

Last year I put £6k from my small side hustle into a business IE account, the usual suspects, FTSE, Naz, SP etc I had to withdraw it as I approached the end of the financial year otherwise HMRC would assume I’d paid myself a salary and I’ve be hit for income tax This was my understanding, I’m not 100% sure if I was correct Incidentally I made £600 but I’m not sure if I need to pay tax on it, corporation tax possibly?

@boyasaka 3 месяца назад

Your Personal Savings Allowance is separate from any ISA allowance you may have. The amount of allowance depends on the type of taxpayer you are: basic rate taxpayers (20%) can earn £1,000 in tax-free interest each year. higher rate taxpayers (40%) can earn £500 in tax-free interest each

@tonyh1460 3 месяца назад

@@boyasaka no, I meant I made £600 from the business money I invested. It’s not my personal money

@AlexisMoore-nx6wf 3 месяца назад

Probably best to talk to an accountant, if you’re worried. I’ve used online only accountants for about £170. It’s a lot when you compare it to the £600 you made but at least you know you’ll be tax compliant and you’ll have that knowledge in future.

@Petersworld77 3 месяца назад

Thanks Toby. You always say S&P500 but never Nasdaq? Is Nasdaq too volatile or is there another reason? Cheers.

@TobyNewbatt 3 месяца назад

I wouldn’t really call that an index fund in a true sense…it’s based on a stock being listed on the Nasdaq exchange and leaning towards tech. It’s done great historically but who knows whether it will do the same over the next 20 years. Indeed probably will be very volatile too!

@stewillo86 3 месяца назад

I've got funds in both the S&P500 and Nasdaq 100. My Nasdaq is up 73% which is unreal!

@tonyh1460 3 месяца назад

The Nasdaq has outperformed the SP substantially over the past 25 years

@m31-p9s 3 месяца назад

Cheers for the update! 👍

@TobyNewbatt 3 месяца назад

No problem 👍

@tqbe7954 3 месяца назад

Instead of emerging markets I've been owning Indian ETFs I feel like they're one of the best emerging markets. They've been experiencing great growth.

@prasadmvp 3 месяца назад

Does invest engine have an option?

@callum6652 3 месяца назад

@@prasadmvpyes, Franklin ftse India etf 🤝

@imbarmstrong 3 месяца назад

What ETFs do you use?

@desperado914 3 месяца назад

India etf

@tqbe7954 3 месяца назад

@@imbarmstrong Nifty Fifty or iShares MSCI India are both good options in my opinion. Ofc I’m not an expert and I recommend researching before investing.