The Optimal Order For Investing Your Money In 2024

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What is the optimal order for allocating your funds when you are just beginning your wealth-building journey in the UK?
The brokers I use:
InvestEngine
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Trading 212
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Vanguard
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Help with debt:
www.stepchange.org/
Other videos you might find useful:
Pension: • The One Thing You Need...
Emergency Funds: • Everyone is wrong abou...
ISAs: • 5 ISA Mistakes Everyon...
Saving for kids: • Investing for your chi...
Mortgage or Invest: • Stop Investing And Pay...
Some cheat sheets you might find useful:
Index fund cheat sheet: financialinterest.com/index-f...
Pension cheat sheet: financialinterest.com/pension...
DISCLAIMER: Some of these links may be affiliate links. If you purchase a product or service using one of these links, I will receive a small commission from the seller. There will be no additional charge for you.
DISCLAIMER: I am not a financial advisor and none of the content on this channel is financial advice. All information is provided for educational/entertainment purposes. If you are making investment or other financial decisions and require advice, please consult a suitably qualified licensed professional.
Timestamps:
00:00 - Loads of places
00:28 - Pension Match
02:11 - Emergency Funds
04:13 - High Interest Debt
06:16 - Insurance
07:48 - ISA's
09:55 - SIPP
10:48 - Yourself
11:15 - Kids
11:42 - JSIPP, JISA
13:30 - Mortgage
14:00 - Rolling the dice

Опубликовано:

11 июн 2024

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@DamienTalksMoney 4 месяца назад

I created a couple of cheat sheets that I think will really help you if you're in a work-based pension or if you're starting to get into index funds, here are the links: Pension cheat sheet - financialinterest.com/pension-provider-cheat-sheet/ Index fund cheat sheet - financialinterest.com/index-fund-cheat-sheet/ hope you find them useful!

@DamienTalksMoney 5 месяцев назад

At this time of year i think it is important to cover the basics for all the people looking to get started! Thank you to all the regular viewers for checking in i will be back on Sunday with something special.

@joshwells3247 5 месяцев назад

Would you be able to recommend an Australian financial RU-vidr? A lot of this seems to apply to England

@DamienTalksMoney 5 месяцев назад

⁠@@joshwells3247yeah I am a U.K. focused creator as I think the U.K. is underserved and most of the finance content on the platform leans toward America. I would say new money is Australian

@joshwells3247 5 месяцев назад

@@DamienTalksMoney legend thanks man 🙏

@DamienTalksMoney 5 месяцев назад

@@joshwells3247 he also has a friend called Hammish Hodder i think is Aussie, but a lot of the time these guys speak about America as thats where the most views are.

@joshwells3247 5 месяцев назад

@@DamienTalksMoney thanks man I just looked into both of them totally agree but hopefully if there are any major Aussie financial issues they'll be on it 👌

@onlyClaire 5 месяцев назад

Don't underestimate the inner peace of having no mortgage, we paid ours off a year ago and we have been adding more to our investments and been having fun crossing things off our bucket list while my health allows it.

@rodgerq 5 месяцев назад

I agree with this. The peace of mind of having the house paid off is really attractive to me.

@pedazodetorpedo 5 месяцев назад

It's not being underestimated but it's totally unrealistic for someone in their 30s to be able to pay it off as a priority, and it makes far less sense than the other priorities on this list.

@tinanolan1485 5 месяцев назад

I agree I paid mine off about 18 months ago - ten years early. No regrets.

@mAcroFaze 5 месяцев назад

This! The value of peace of mind is immeasurable and completely priceless!

@erictanty7227 4 месяца назад

No doubt it's psychologically satisfying and may give you peace of mind. I can relate to that. But it's a terrible investment of extra cash, especially when interest rates are low.

@jamesrutterford576 5 месяцев назад

As a 22yo soon-to-be graduate about to start a full time job, this is truly life-changing content. In a digital world where most young people are fed useless get-rich-quick crap by online gurus because of the social media algorithms, this advice is gold dust and I will take it very seriously. Most people my age are oblivious of most of this information I’m sure, I was until I watched this video!

@DamienTalksMoney 5 месяцев назад

Amazing comment! You will go so far James. Keep me updated mate

@samwilson745 5 месяцев назад

@@DamienTalksMoney I’m in a similar ish position to James and I couldn’t agree more! One question I have though about pensions, I noticed that 9% seems very high for most pension schemes, I’m seeing an average of 5-7% per year on average mostly, so wouldn’t it be beneficial to invest it yourself in the stock market and lose out on the 25% tax bonus from a pension scheme as 5% over 60 years is so so so much less than 9%? Cheers

@avtex108 5 месяцев назад

causing ripples my man@@DamienTalksMoney

@jonm4989 5 месяцев назад

There’s some good guidance on RU-vid if you’ve enough knowledge to know the good from bad. I’ve just retired from being an IFA and can’t encourage you enough to understand as much as you can about managing your money.

@simont531 4 месяца назад

@@samwilson745 Before you start throwing away the tax benefit of a pension check what investments your pension is put into and whether you have any ability to change this if you aren’t happy. It’s hard to look past a guaranteed 25/42/47% tax incentive that comes from using a pension as this is guaranteed - any potential investment return is speculative.

@JosephineGaule 5 месяцев назад

Invest early, invest often, stay invested.

@Lorre386 5 месяцев назад

how do i do this? where do i start? i'm so confused

@JosephineGaule 5 месяцев назад

Okay so i advise you start with stocks, buy a good cross section of an economy and you should do well over the long term. The market will be high in 10 to 20 years, and significantly higher in 30. It's almost impossible for a company with no debt to go bankrupt. Canada is about 3% of the global marketplace, U.S. is about 50%, remainder on the globe is 47%. Pay yourself first. It's time in the market, not timing the market. i stay untop of the market with my FA Emily Lois Parker. Bulls and bears make money, but pigs get slaughtered. - some wise words

@victoriaaldrin 5 месяцев назад

Thank you, this was definitely worth the read, as an Investors may avoid making decisions out of fear of regret. This can lead to inertia, where individuals hold onto cash rather than invest, fearing they will make a wrong decision.

@ParishBlein 5 месяцев назад

Thanks for sharing, I just looked her up on the web because this is equally important to me, and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

@brandonkoeller7478 5 дней назад

@@Lorre386 HODL GME!

@glennwhitlock1272 5 месяцев назад

I've become slightly more financially aware over the years, but in the old days (27 years ago), the only things i did right was a) get life insurance and b) invest our child benefit payments. Both kids left school with a reasonable £40k and, unfortunately, the life insurance that we thought we'd never need, covered the mortgage when my wife died prematurely aged 35. Both of these things have taken the pressure off me at different times in different ways

@richieraa 5 месяцев назад

Feels wrong liking your post but thank you for sharing.

@DamienTalksMoney 5 месяцев назад

I am so sorry for your loss, Glenn. Thank you so much for sharing, because now others will see this and may feel motivated to get protection for their families. By sharing, you will have helped lots of others, so again, thank you. Also, your kids (now adults, I assume) are lucky to have you. It sounds like you set them up for success by saving the child benefit payments.

@asdreww 5 месяцев назад

@@DamienTalksMoney Something else people forget when it comes to life insurance - if I die prematurely, my work pension gets cashed out at whatever the present value is, & provided to my beneficiaries as a lump sum. I also have a 'death in service' work benefit that I think many big employers have which is something like 5-6x annual salary. Those combined will be £hundreds of thousands, excluding any other life insurance policy.

@wyntog 5 месяцев назад

Hi Glenn, thanks for sharing. I have my first child on the way and your comment has just prompted me to take out a life insurance policy. I've already opened a LISA that I will pay into for my child (I'm 37 so I'll be able to touch the money when my child is 23) and this way I benefit from the additional 25% paid in by the government.

@warfish0r 5 месяцев назад

@@asdreww You are right to point this out. I was checking my level of cover about a year ago and realised I had become overcovered when considering pension, workspace and mortgage cover. I was able to reduce the cover that we got with the mortgage and reduce my monthly payments. I believe you can get cover that reduces as you get older - the mortgage will be more paid off and your pension worth more and your kids older and I think I would go for this style of cover if I were looking now.

@rustynail1194 5 месяцев назад

Me and the Mrs, both 45, started overpaying our mortgage about 4 years ago. Covid actually helped as we couldn't go on holiday and we have no kids so that's a huge "saving". Best thing we ever did. We've got the payments down from 800 or so a month to 500ish now. One day we won't have a mortgage at all, probably in just a few years. Under 50 years old and mortgage free, I won't work full time after that. Don't know how lucky I am to be honest.

@OneAndOnlyMe 5 месяцев назад

Fastest way to raise your salary is to change jobs, not within the same organisation, but move to another organisation.

@STORMCLOUDGREY 5 месяцев назад

So right about pensions. As a fresh-faced 19yr old with hair, I didnt give a toss about the non-contributory pension scheme given by my first employer. Now at 57 I realise it was golden & I will seriously benefit from this for the rest of my life.

@pikapika5301 5 месяцев назад

Good video, the only thing I would say re paying a mortgage off early. Think of your house as a home. The certainty and security it's gives you. Is it the smartest thing to do financially, probably not. But I don't think of my house as an investment I think of it has a safe place for me and my loved ones, knowing it's paid off and it can't be taken away is priceless.

@BaileyMxX 5 месяцев назад

How many people do you know losing sleep and regretting that they paid off their home early no matter what the mathematical side says? Now how many people out there have lost their shirt doing the smart mathematically play only to end up overleveraging into the home, or like what happened with Northern Rock mortgage holders literally a decade of rates at the lowest ever and they had to pay SVRs of 8%+ due to not being able to remortgage. Same with all those landlords on interest only mortgages right now

@border304 5 месяцев назад

I'm mortgage free. It is worth it psychologically if nothing else imo.

@IainGeddes 5 месяцев назад

Different for everyone I know, but sometimes what’s best is to do what allows you and your family to sleep comfortably at night. If that means a focus on paying off your mortgage over other options, then so be it. There’s a reason it’s called “Personal Finance” as it’s personal to each of us.

@Account-wi9wd 5 месяцев назад

Gotta bare in mind that you can lower the amount of your emergency fund if your mortgage is paid off too.

@melalblas 5 месяцев назад

As always, a wonderful recipe of straight-talking, easy to action advice, with your brand of light entertainment thrown in of course too! Have sent to a few friends already! Thank you Damien!

@mattplant5565 5 месяцев назад

Damien, in the past year since I discovered your channel, you've changed my life. I was never taught any of this at school or from my dad (who I know for a fact invests) so thank you.

@DamienTalksMoney 5 месяцев назад

Matt comments like are why I do what I do. Thank you so much you’ve made my day.

@anthonynorman1234 5 месяцев назад

Got a friend who used to work with a debt charity. The amount of people who would come in, with eye-watering amounts of credit card debt, and expect him to be able to make it all go away and not change anything about their spending habits (which landed them in his office in the first place) is wild.

@MrAlexanderGoff 4 месяца назад

Just discovered this channel - a cut above the usual RU-vid finance stuff, loads of nuance and realism - great stuff

@jamesmayhew7 5 месяцев назад

Another top video. Thanks for sharing. So good I've shared via my social media platform. So thank you

@grassy-ass 5 месяцев назад

This is where we see whos got that bell notification on! Great as always Damien! Happy new year mate, hope smash it in 2024.

@drdeanrieder 5 месяцев назад

Thank you for your content. I always appreciate your insight and being real

@jackkruese4258 5 месяцев назад

I’m on a pretty decent income but never had any spare money and was always abt £5k - £10k in debt until my partner taunt me a valuable lesson a couple of years ago. We did a spread sheet which showed what my true disposable income was because I hadn’t been taking into consideration all my bills and expenses. So I basically stopped buying stuff and managed to save £8k last year as well as increasing my pension contributions which would’ve been impossible beforehand.

@lukasg6254 5 месяцев назад

Great topic. A nice reminder of the basics. Thanks Damo and Happy New Year! 🍾🥂🖖

@christines5430 5 месяцев назад

Excellent video to start the year with, Damien. Wishing you a productive, fulfilling and prosperous 2024.

@DamienTalksMoney 5 месяцев назад

You too Christine! Thank you so much for stopping by as always.

@simoneXox 5 месяцев назад

Happy new year Damien! Thank you

@unbearifiedbear1885 5 месяцев назад

Always good to see you, brudda! Happy New Year, health and prosperity mate 🍻🙏🏻

@conanthelib1 5 месяцев назад

Always brilliant advice and always much appreciated. 🙌🙌🙌

@clarenceishmael9615 5 месяцев назад

I so love the compound interest calculator! It's the best! 👍🏾

@mikeallen2914 5 месяцев назад

I will look forward to the next video. Thanks for your help :)

@benjaminbarker2652 5 месяцев назад

Thank you Damo. The junior SIPP information is so timely for me 🙏🙏

@missxsbalanced 5 месяцев назад

Excellent video once again D. Happy new year 24!

@jefferyjefferson689 5 месяцев назад

Some very sensible, measured advice. Well done.

@paulwillson3081 5 месяцев назад

Excellent video, the power of compounding never ceases to amaze me! 😅

@dessar100 5 месяцев назад

Thanks for the fantastic advice as always!

@adamtatters91 5 месяцев назад

You’ve got my head back in the game after the Christmas break, thanks Damo!! Yet another hard hitting but palatable video to help us focus our personal financial strategies!!

@drewforrest 3 месяца назад

Hallelujah. Financial advice in plain English. You’re a hero, Damien. Thank you 🙏

@tomgibbons2475 5 месяцев назад

Love the videos Damo, and the Pod 🙏🏻🙏🏻 thank you!!

@DamienTalksMoney 5 месяцев назад

Thank you Tom!

@Life_Literacy 5 месяцев назад

Cracking video to start the year and reset financial goals 👍🏻

@PauLondon 5 месяцев назад

Thanks for the video!

@LucasJetUKJuggler 2 месяца назад

Thanks for all content Damien. You put it In a very easy to understand way and I dig your humour

@user-cz2pi7fm5e 5 месяцев назад

Thanks always Appreciate your guidance :)

@louissimms 5 месяцев назад

Great video... I have a lot of thinking to do

@lukebrown8580 5 месяцев назад

Thanks for the info on JSIPP and JISA

@dermotcasey 5 месяцев назад

great advice, especially the ISA's

@Jason-cl8hk 5 месяцев назад

Some great advice here and worth listening to.

@chay18 5 месяцев назад

Cracking video as always bro. Great work!

@maestro19965uy 4 месяца назад

Brilliant vid Damien, thank you.

@ezikkiel 5 месяцев назад

No, thank you 🙏 Great content as normal. Off to learn about Junior SIPPs 🎉

@runningman5871 5 месяцев назад

Seems like the spambots are commenting on here. Anything that ends up with investing with a specific person is spam.

@beardmeetsworld0707 3 месяца назад

I didn't know about Junior SIPPS and will look into that for my daughters. Thank you 👍🏻

@warrenb243 5 месяцев назад

HNY Damien. Nice one for this. I’m pretty much aligned but the figures on the junior SIPP were good so I think I’ll look into that for the littlen.

@MrDeathMachine 5 месяцев назад

Your channel was the reason I took an interest in my finances. Since then I’ve made a spare £1000 which I’m going to allow to compound. Thank you.

@lloydbutcher964 5 месяцев назад

Another great video, thanks Damien! 🎉

@issiewizzie 5 месяцев назад

great education

@stephen6262 5 месяцев назад

Great video thank you 😊😊

@Rmorales799 5 месяцев назад

I remember having a consultation with a financial analyst last August, and it was incredibly insightful. Can’t stress enough how helpful experts in this field are!

@Rmorales799 5 месяцев назад

As long as you diversify your portfolio, any single stock or investment that you own shouldn’t have too much of an impact on your overall return. If it does, diversifying might be the right choice for you, as one can also try out other commodities. I now have a balanced portfolio that is yielding me profit with pro help from Jonas W. Herman.

@clairewinchestermurray8703 5 месяцев назад

I started working with Jonas back in June, and my financial goals have never been clearer. It’s like having a strategic partner for your money with a solid track record.

@Lfgyf 5 месяцев назад

Thanks for the advice, both of you. It’s reassuring to hear positive experiences. I feel more confident about moving forward with Jonas now. I just shot him a mail. Thanks for sharing your experiences!

@henghistbluetooth7882 5 месяцев назад

You were lucky. I had a similar one when I was newly married almost 20 years ago that told me that no-one should invest in shares or funds and thought that the ideal first mortgage for me and my wife was an endowment. iFA is not a protected term.

@FullOption 5 месяцев назад

Jonas’ adept risk management strategies and ability to optimize my portfolio amidst last year’s market fluctuations have demonstrated a level of sophistication that instills confidence.

@richardr6410 5 месяцев назад

Thank you, dude.

@Jakeyosaurus 5 месяцев назад

Greatly enjoy your content Mr Damien!

@DamienTalksMoney 5 месяцев назад

Thank you Jakey! Got some bangers coming up

@adebisiadefisayo6851 4 месяца назад

Thanks so much for this information

@MehediOfficial 5 месяцев назад

Always useful as usual Damien.

@LizzieKristina 5 месяцев назад

Thankyou for always teaching me something genuinely really useful. Appreciate it 🙏

@DamienTalksMoney 5 месяцев назад

My pleasure! Happy new year! Got lots of useful content for you hopefully this month

@LizzieKristina 5 месяцев назад

@DamienTalksMoney looking forward to it! I watch ALL of your videos 🙏😊 OG fan here! Thanks again for your work Damien, it's really great x

@jonathanclarkewater 5 месяцев назад

Great vid, thank you sir 👍

@danbradbury4067 5 месяцев назад

Your videos are excellent. Well done 🎉

@user-lm9ii2hn3g 3 месяца назад

This channel is great!

@rsabaljauskas 5 месяцев назад

Strong video start to the year carol

@DamienTalksMoney 5 месяцев назад

99% of people have no idea who Carol is now. Love it that you have thrown that up 🤣

@pinkpantherofthesouth1855 5 месяцев назад

hi damien love your content! on the point you made about the rules are bound to change between now and your retirement, could you make a whole video on this! (future planning for an uncertain world)

@FinancialFinesse00 5 месяцев назад

Thanks Damien for this valuble informative episode it definitely helps like you said things happen keep the gems coming

@finnle5432 5 месяцев назад

That's very useful, thank you.

@DamienTalksMoney 5 месяцев назад

Glad it was helpful!

@priscillaofei3569 2 месяца назад

Thanks a lot Damien. You are the best

@mariusm9108 5 месяцев назад

Excellent contend as always Damien.

@lyracian 5 месяцев назад

Thank you; did not realise I could do a Junior SIPP as well as Junior ISA. My daughter is 14 now but still time to get that set up with some cash for her long term future.

@DamienTalksMoney 5 месяцев назад

So glad i can help out your daughter! The JSIPP is incredible

@sarfrazmian707 5 месяцев назад

Great video thank you Would be great to make a summary side at the end that one can screenshot for future reference Would be a good idea for this video especially to help tick off personal

@canoebadour 4 месяца назад

Seriously good content. 👍

@ultanwoods 5 месяцев назад

Great video

@tomwilkinson7142 5 месяцев назад

Great video mate, thanks

@sunnytimes_ 5 месяцев назад

You are a legend!

@sethhavens1574 5 месяцев назад

Hey Damo great vid as usual! Interesting what you said about the insurance, would be cool to have an in depth vid on that sometime 👍 cheers

@BUY_YOUTUBE_VIEWS_m086 5 месяцев назад

This video radiates positivity! 🌟 Love the good vibes!

@DamienTalksMoney 5 месяцев назад

Thank you!

@shellyperera2010 5 месяцев назад

Another brilliant video. The only thing I would add is the other greatest gift you can give to your children is to teach them about investing and compounding returns. Knowledge is power!

@nickbrown6457 5 месяцев назад

Agreed, great video! I really wish my parents had sat me down and explained all about pensions and compounding, when I was young. Now in my mid 50s, still working, and been maxing out all opportunities to save and invest over the last 10 years. I'm not in a terrible position, but in terms of benefits from compounding, for me the ship has sailed. Advice to young people - start as soon as you can, it really will make a huge difference!

@Moosegravy420 5 месяцев назад

Such a great video again Damien. Factual, thorough and funny at points!!

@tristbrook 5 месяцев назад

100% get insurance! I create claims story videos for a well known insurance company in the UK. Before working with them I never even considered life, income protection and critical illness insurance. But then I filmed the story of a family in their early 30's with a young child. The insurance saved them from losing everything. I got cover the next day.

@chumabanjwa4662 5 месяцев назад

Simple, clear and to the point. Well done, Damien! This is what most people need and are looking for.

@DamienTalksMoney 5 месяцев назад

Lovely feedback thank you!

@dardog7734 4 месяца назад

Great advise

@jmcooney2000 5 месяцев назад

Great video. I'm now in the fortunate position (I am aware some are not) that I have spare cash every month so this is very handy thanks 👍

@The_Summit_Wanderer 5 месяцев назад

You are correct about put your mask on 1st...I'm 45 and had kids young (19).. we struggled had very little money but lived comfortably considering....I've got to 45 my son is 17 and has his 1st job ...The lessons learned mistakes made and experience gained ARE going to benefit my boy...12 months and my home is paid, so that's his..I've got him financially educated, he's saving, he has a contingency fund, he's putting money in to a stocks and shares ISA (with an incentive of me matching everything he jnvests😊)...I'll make sure he retires by 50 at the latest 🎉🎉

@Bluearmy76 5 месяцев назад

Im trying to educate my family the same way. Some have been more willing to listen than others. Or they were until i told them all at Christmas i was retiring in 2024 at 48 and now they’re all at me. Should have listened 20 years ago when i tried to help them originally. Better late than never i guess 😊

@DamienTalksMoney 5 месяцев назад

So nice that he can build off your platform and learn from you. The matching contributions into his ISA is an incredible thing to do!

@PAZPERDEE 5 месяцев назад

Another good video, thanks

@pj9375 5 месяцев назад

Great vid. Nice spread of topics. We’re all individuals, not one size fits all and that’s just as true when it comes to investing. But some strong core principles set out here 👏

@DamienTalksMoney 5 месяцев назад

Thank you!

@jrhodes8491 5 месяцев назад

One thing about investments Vs mortgage payments is that you would pay capital gains on non-isa investment returns, paying off mortgage debt is essentially tax free

@steventhorpe9402 5 месяцев назад

It is but on the majority of cases, mortgages are joint owned so you do have 40k a year wiggle room so whilst unlikely to impact the majority it's a good point

@SuPpOsEdLyThIsIsCoOl 5 месяцев назад

Also mortgage is a certain. Investments are a ‘should’.

@peelyo94 5 месяцев назад

also remember that mortgage debt will shrink a little over the years due to inflation with wage increases etc and even better if youve locked the current deal for years

@pc7801 5 месяцев назад

Great video & absolutely spot on, thank you. Not sure what you can do about it but the two adverts during your video were crypto scams and there wasn't a way to report the Ads.

@user-zh7ji4rb3x 5 месяцев назад

Good video, helpful.

@deborahcosta4009 5 месяцев назад

You are brilliant. Thanks for the videos. Could you do a video explaining the stocks and share that you buy for your soon. I am a little lost in what should I buy for my daughter.

@me_meyou_youus_us 3 месяца назад

Very good video man

@BillHrpr 5 месяцев назад

Excellent video mate 👍🏼

@RealEconomics_ 5 месяцев назад

Great video Damien. Really enjoyed this one. It's good to know that my own strategy is closely aligned with what you consider to be the most beneficial order.

@DamienTalksMoney 5 месяцев назад

Yeah i must say its my own opinion and others disagree of course but i think if you your doing most of these in any combination you will be in a good place long term!

@shimsteriom4191 5 месяцев назад

Excellent video mate 👌

@beartybollocks7782 5 месяцев назад

Salery sacrificing into a SIPP has the most benefit as you get the tax and the NI back

@tomwalsh3483 5 месяцев назад

This is the type of person that people should listen to if they want to improve their finances - not trading quacks and crypto frauds. Great work!

@jonm4989 5 месяцев назад

Great video Damien. I’m a recently retired IFA and I think this sends a great message.

@JackSte 5 месяцев назад

Would be interested in a more in depth look in to SIPPs for self-employed people. If you have any plans for a future video on this that would be amazing!

@Benjaminos1 5 месяцев назад

Second that as well, will be much appreciated, definitely for the self employed and micro business owners.

@MarkB4444 5 месяцев назад

Great info 👍👍

@battj1 5 месяцев назад

Nice one 👍

@williamflinn8606 5 месяцев назад

Cheers ears!

@jazztec4255 5 месяцев назад

This is the financial flow chart video I requested cheers Damien! You could link it in the description for people to review?

@jameshancock-zp5er 5 месяцев назад

Thanks Damo, another fantastic video. Happy New Year. No mention of Premium Bonds, do you still have any? You made a video a few years back, do you still have the same view? Thanks mate.