Save or Invest - Don't Make the Wrong Choice

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Опубликовано:

28 сен 2024

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Комментарии : 41

@DomS77 2 часа назад

I only save for short term goals like a new (but used) car. And of course keep my emergency fund in cash. Everything else goes to investments, however mostly going into pension right now

@julesflack 3 часа назад

Great content as always Toby, thanks! Good to listen to with a morning coffee ☕😊

@TobyNewbatt 3 часа назад

Enjoy :)

@adamp6320 3 часа назад

I began my higher earning years in 2007 and kept piling what I could into the markets (mostly SP500 low cost mutual funds as ETFs weren't common yet) - I listened to the experts who said to keep at it over the long haul and the sums involved were low enough that I didn't mind the ride. Annual returns going back to then are 10.5%, which I'm happy with.

@TobyNewbatt 3 часа назад

Amazing returns - especially well done considering that was during a tough time in the market - you could have sold out plenty of times!

@Sean-y9c Час назад

Hoping for this type of scenario myself !

@brownfox3180 Час назад

Another great vid, thanks Toby. I've been thinking a lot about my investments in the S&P 500 and worrying about the potential negative impact of the enormous (and constantly growing) USA national debt - would be interesting for you to do a deep-dive on this subject

@OldQueer 2 часа назад

I have access to credit which would cover me for a year in an emergency. I also have a paid off house to use as security if things go completely wrong. To balance this, I keep cash value of a year's emergency fund in MMFs. Everything else gets invested. It's slightly higher risk since all of my liquid capital is at risk, but it suits me.

@davothefirst9371 2 часа назад

Good explanation of the effects of inflation !

@rich1ell 2 часа назад

It’s all a balance. Saving and investing is not binary. Do a bit of everything.

@Abdul_Rahman86 2 часа назад

I will always choose investing. That’s just me personally. I find that money is constantly being diluted and depreciates over time. I’ve been meaning to ask, where did you get that stocks and shares diplay??

@kw8757 42 минуты назад

Link in the description for the ticker display, someone asks every video 👍

@aarondavies4128 25 минут назад

Great video as usual Toby & I'm really grateful to you & your efforts. You're actually the reason I started investing in trading 212. I do have a question for you, if you'd be so kind as to help me with it. I currently have some money invested in the stocks ISA (currently all with the s&p 500), which I invested in approximately 4 months ago . Is there a way I can work out what sort of return on dividends I'll be likely to have in return for my investment, over the year? The s&p500 I have is where the dividends are automatically reinvested. I hope this makes sense. Many thanks in advance & keep up the good work ☺️

@philzvids3577 Час назад

This is a timely video for me as I was debating whether to put more money into my cash ISA or stocks ISA. The cash ISA is currently looking very attractive (both with T212).

@Lovemy911 Час назад

We managed to get 5% @West Brom building society on a 3 yr term in 2022 . Nets us €2500pa till next yr.were happy with this. Everything else in SP.500. Keep it simple 😁

@richardwall2330 Час назад

Nice concice content ! The other form of "savings or should that be "investing "no gambling I think is the correct classification are PB s !But as Clint said "do you feel lucky punk "!! Nice work good chocolate 🍫 choice !!!

@Andy72668 46 минут назад

Another good vid from toby there’s a reason why his subs are on the up. Calm, solid guidance

@rich1ell 2 часа назад

Most of our cash rainy day savings are in an offset account against our mortgage. Mortgage interest is 3.13% fixed for a further 3 years. This made sense the last 20years. I can set the offset as reduced term or payment. Currently it saves me £100 a month on the mortgage payment. That £100 goes in to a LISA and is topped up by Gov 25% bonus. I’m worried about devaluing the offset cash with it not growing in line with inflation. Now I can get 5% in other savings accounts but I love the ease of access currently.

@victoriab8186 Час назад

Your Freddos are 30p?! Around here they are consistently 25p - I get offers from the coop for ‘25p off cadburys products’ and I go pick up a free freddo

@salto1994 2 часа назад

with 2% interest rate (i'm from Europe so i have the ECB rate, which will likely to go down even more in the future) on my savings account, i feel like even if the market will go down for a year or so, in the long run investing will be better. VWCE DCA & chill

@RRedmondiy43 2 часа назад

Good morning Toby, thanks for another well explained video on how inflation is important to consider. I wonder if you would do a video on gold as an investment? Thanks

@wetelbow8738 12 минут назад

Bitcoin has a lot of tail winds for growth if you don’t mind volatility.

@1292liam 26 минут назад

Great video/ I’m about to do both

@hotsecksi Час назад

aHHHHHHH My Freddos!

@Norfolkpaul 47 минут назад

Great video 😊

@gabymotsoloc9295 Час назад

👍

@Lenny-nr4yv 3 часа назад

Great subject toby and eloquently explained 👍

@TobyNewbatt 3 часа назад

Cheers Lenny :)

@richardmoody3295 3 часа назад

Morning mate, love your content

@TobyNewbatt 3 часа назад

Thanks Richard! :)

@jonathanreevescad 3 часа назад

Yes 5% guaranteed is attractive as a way to park some cash at the moment if your worried about market volatility . I use a Royal London short term money market fund for this.

@TobyNewbatt 3 часа назад

Definitely nice for some short term uses - big fan of money market funds :)

@jonathanreevescad 2 часа назад

@@TobyNewbatt Yes, I really like the way that everyday you see a positive gain no matter what the markets are doing, with quick access when you decide its time to invest back in. I recently transferred my pension from Legal and General to Interactive Investor and fees went down from over 3k per year to £156 annal changes, but I did not want to go all in with a lump sum at there start so the money market fund has been a great place to park some cash for now.