Vanguard Portfolio Update - May 2024

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Timestamps:
0:00 - Market Update and News
7:39 - Portfolio Update

Опубликовано:

18 июн 2024

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Комментарии : 93

@ploppy193 Месяц назад

I chose the Vanguard Global All Cap as well but for my ISA, great minds think alike. 👍

@joseneves6805 Месяц назад

New to your channel Toby, but loving your presentation style and depth of knowledge...for a numpty like me this is a great help, Thank you

@TobyNewbatt Месяц назад

very welcome thank you!

@AR-fy2qo Месяц назад

A channel that actually teaches you something

@sebascarmonag 28 дней назад

It's always better "time in the Market, than timing the market" Great video Toby, happy to see someone so knowledgeable based in the UK. Keep doing this great stuff.

@valerienewbatt9678 Месяц назад

Very informative video as always Toby .

@ahamedchowdhury6106 15 дней назад

This video helped me a lot Toby, thanks.. my SIPP was with Aegon and the fund they choose was really poor.. I have seen this video and strongly thinking to switch my existing SIPP to this one.. very much hassle free and last years growth really makes me hopeful...

@girendrasadera4547 Месяц назад

Great presentation as usual ! Where do you get your T shirt ?

@prisol Месяц назад

nice update Toby. QQ - upto how much are you protected on your SIPP, if the provider was to go bankrupt or 'disappear'? is it the same as back accounts (i.e. upto £85k) .. any ideas? thanks !

@barmyb Месяц назад

The Gamestop saga is the gift that keeps on giving

@Abdul_Rahman86 Месяц назад

Great video and great portfolio

@TobyNewbatt Месяц назад

💪

@ItzJackAttack Месяц назад

I was wondering, if I own some vanguard stocks on trading 212, will I eventually generate compound interest?

@tinyweegiant4045 Месяц назад

It's a pity that invest engine don't have transfers in for their sipp yet

@80y3r9 Месяц назад

Oioi, keep running. What's what's best; pay off mortgage or invest in funds? Would be interested in your thoughts (lots of pay off expensive debts which always.. do it)

@xaldath4265 Месяц назад

Lots of factors to consider and I am a fan of The Money Guy's FOO to guide the answer. It doesn't have to be an all or nothing answer, but I wouldn't suggest neglect investing in order to pay down a low interest mortgage. 8%+ and we could make a solid argument either way. Buuuut, for anyone who got a mortgage in the past 15 years in the low/mid single digit range, make sure to prioritize investing. If you are already contributing 25% to investments, then it's more of a comfort decision than a risk management one to prepay the mortgage...and a perfectly reasonable one in that scenario.

@simoncook1325 Месяц назад

This is why i dont auto invest.I check share price and then top up to buy whole shares every 2 weeks

@borartnak613 10 дней назад

Im kinda new to this and I need help. Should I invest in S&P500 index or ETF? Can someone tell me the diference?

@boy-nuno Месяц назад

Could you please share your insights on Hedged and Non-hedged ETFs for UK investors (GBP/USD)? Thank you

@TobyNewbatt Месяц назад

good video idea thanks :)

@RhodericVanBouten Месяц назад

Great vid, mate. Is your £11 in your Vanguard ISA because of dividends you were in the process of receiving just before and during your transfer over to InvestEngine?

@TobyNewbatt Месяц назад

I just checked and apparently it was cash account interest! So thats why its stayed there, it's interest on cash that was held before being transferred now that makes a lot more sense! :)

@kw8757 Месяц назад

@@TobyNewbatt That's what I thought it would be, I recently opened a S&S ISA with Vanguard and deposited £20,000 to be invested into the US Equity Index Fund. While the money was waiting to be invested it earned the princely sum of £2.85, which of course was added to my ISA straight away and bought me 0.0031 units of the fund...whooohoooo!

@Novartus Месяц назад

Yeah that is why being able to buy fractional shares of an ETF is important.

@LawrenceTimme Месяц назад

I'd rather have way higher interest rates than lower interest rates. When money is too cheap people don't value it and savings seems pointless.

@alfiefox18 Месяц назад

I’m pretty new to this so hoping I haven’t f***ed up too much! I put most of my savings into a S&S ISA (10K in Feb & 20K in April for the new tax year). I followed the advice of most on here and opted for the Vanguard Global All Cap. It’s up 2K already which is positive but I’ve been hearing people say the best way to invest is to spread my contributions monthly over a longer period of time rather than 2 large purchases. What would you do in my situation now? If it’s not too late 😳

@adrianl5899 Месяц назад

If you have a cash emergency fund in place (covering say 3-9 months of living costs) and feel comfortable having put £10k into the markets (knowing investing should be a minimum 5-year pursuit), then it's not relevant whether it went in two lump sums or monthly at this point because it's already invested. I believe, statistically, a lump sum beats dripfeeding the same amount around 75% of the time. However, that will not be based on short term investing as investing should be a long term pursuit and in shorter terms markets can drop significantly. In this case the opposite has been true as markets went up leading to gains you would not have had by dripfeeding. I imagine that the majority of people dripfeed for 2 main reasons: they do not have a lump sum to invest, or they would feel uncomfortable investing a lump sum. So long as the contribution level, the investment/s, risk appetite and the time horizon makes sense for the aim of the investor, that's largely what's important. So don't worry that other invest monthly, just whether you are investing in a way you believe should work for your aims and are comfortable with.

@sg5127 Месяц назад

If its a lump sum 20% or less than your total portfolio then I put it in one go. Lump sums over 20% I would drip feed.

@telunter Месяц назад

Hi Toby, why VAFTGAG and not VWRP for the pension? Was it just what was available at the time? Curious about your take on the potential differences between the two over a 30 year time horizon?

@TobyNewbatt Месяц назад

Wasn't available when I first invested - Also VWRP is an ETF so it would mean that if I invest more into my pension I will get left with spare cash as Vanguard dont offer fractional ETFs yet :)

@telunter Месяц назад

So will you sell this down and replace it with VWRP or is it not worth it?

@Daniel-er3ys 27 дней назад

@@TobyNewbattwhy not transfer it all to IE?

@curiousjoe395 Месяц назад

I know at around 3pm UK time, the US market opens and changes to the S&P index reflect on the Vanguard S&P fund but what causes all the fluctuations in the Vanguard fund between 9am and 3pm? Sometimes there are sizeable shifts and the currency value is unchanged with the dollar. I’ve never quite understood this.

@TobyNewbatt Месяц назад

Which fund are you talking about specifically? I presume an ETF? If it's an ETF in GBP then it can trade all the time regardless of whether the US market is open as it's a UK listed ETF. A mutual fund is priced once per day though an does not move :)

@curiousjoe395 Месяц назад

@@TobyNewbatt VUSA. Is the price fluctuating before 3pm based on buy/sell activity on the UK Stock Market?

@Daniel-er3ys 27 дней назад

Hi Toby, I am looking to set up a SIPP but something I am unsure about and would like clarification on is that you mentioned that via Vanguards platform the FTSE Global All Cap Index Fund (VAFTGAG) mutual fund, you can ONLY buy if you have the money to buy 1 complete share but in Invest Engine you are using Vanguards FTSE All-World (VWRP) ETF for your SIPP. Does the invest Engine platform not have this limitation regarding the Vanguards FTSE All-World (VWRP) ETF? I personally prefer the FTSE all world as opposed to the FTSE Global All Cap and I am currently just deciding with platform I want to go with. I have accounts for both ready, just not paid anything in yet pending clarification as I wanna stick about £250 (from my income) PCM into a SIPP.

@TobyNewbatt 27 дней назад

So InvestEngine allows you to buy fractional ETFs which avoids the problem you have with Vanguard SIPP. This means that any amount £100/ £200 etc will buy exactly that amount on IE's platform but this would not be the case on VG. InvestEngine only allows you to buy ETFs and not mutual funds. I hope that helps

@Daniel-er3ys 27 дней назад

@@TobyNewbatt Genuinely thank you so much. This means a lot to me. As of right now, Invest Engine don’t currently have the functionality to transfers pensions to their platform but I hope they use the scheme called Origo and my old workplace pension is stuck with a company called Smart Pension and i absolutely hate their platform.

@brendan_999 Месяц назад

Great videos as always, thanks to you. I have a question, all about timing the market. I want to make a decision on a fixed isa (eg. 4.5% for a couple years).. or a stocks and shares isa. I am ready to go for the latter.. but I can’t avoid thinking about some RU-vid stuff I see about a crash. Have you seen a channel called ‘Freenvesting’… it is full of doom and imminent crash predictions. I know the advice is don’t worry about timing the market, but at same time seems mad when watching these. What are your thoughts, are these channels scaremongering, or reliable? Thanks so much!

@adrianl5899 Месяц назад

I would suggest being guided by your aim. Are you looking to save in cash for the short term (

@brendan_999 Месяц назад

@@adrianl5899 thanks a lot for the reply... I am ready to be in for the longer haul, so thanks, and I agree with your advice.. ideally, I just don't want the first 2-3 years to be losses :)

@larsenb4803 Месяц назад

@@brendan_999 You sound like a nervous investor, never a good combination. Easy to lose money, panic and sell, locking in your losses. A lot of people invested into an S&S ISA on 6th April, quickly lost money, and I'm sure a lot cashed out. If they'd waited they'd now be in profit.

@xaldath4265 Месяц назад

I have more to share but my first bit of advice is to watch better content. I don't mean to say that the doom and gloom stuff isn't objectively good or useful, but if it's keeping you from investing, it's not good...for you.

@xaldath4265 Месяц назад

Now, on to the investing advice. "Ignore the doom and gloom. Always be buying". There is *no* way to reliably predict the next market crash or people would be doing much better than they are. Ensure you have a long term mindset when you invest. One way to aid in that is to have a comfortable emergency fund. If you feel comfortable knowing your day to day is covered even during a crash and recovery, you will be significantly more comfortable investing in equities, where most of the returns come from.

@pip1723 Месяц назад

I just leave the small amount of cash that's left to cover the fees 👍.

@xaldath4265 Месяц назад

I wouldn't worry about the leftovers since the cost per share on etfs isn't going to move the needle. If you contribute $500/month and the share price is $260, that $240 sitting in cash for a month won't wreck the plan(as a generic example)

@thedrmdh Месяц назад

Hey Toby, I decided to change my portfolio in Investengine S&S ISA to yours. If I have 20000 already there, I am still able to buy more during this year or I will be exceeding the limit (20000 per year) ? Thanks

@jonbacon6664 Месяц назад

If you had the 20,000 invested from last tax year (before April) and have just switched providers and transferred the money in, you’ll have the new allowance of 20k😊

@thedrmdh Месяц назад

@@jonbacon6664 thanks for your answer. I waned to ask specifically, If I change ETFs on my portfolio by using the rebalacing option on investengine which includes selling and buying ETFs, which is already around 20000. Does this mean I exceeded the limit ?

@adrianl5899 Месяц назад

@@thedrmdhThe £20k allowance refers to new subscriptions (new money paid into ISAs) during a tax year. Selling and buying with funds already in an ISA uses none of the tax year's £20k allowance.

@user-hb2xw8xm5n 18 дней назад

Which Vanguard funds would you invest in a SIPP if you were 6 years away from retirement? Would you recommend the Lifestrategy 80%?

@TobyNewbatt 18 дней назад

Personally I'd just stick with a global index fund and then balance that with holding enough cash for living expenses. When you retire you still have decades left to keep investing :) Bonds, in my view, are a waste of time, I'd prefer to just keep cash in a high interest account as best I can.

@user-hb2xw8xm5n 18 дней назад

Thank you for replying so quickly Toby. Much appreciated. I’m enjoying your excellent videos too.

@user-hb2xw8xm5n 17 дней назад

Is it safe to switch my Vanguard funds? I have quite a lot invested inLifestrategy 80% and Target Retirement 2030. I think I have too many bonds and too much UK bias. Is it ok to switch 100% of a fund to another fund in one go or is it better to switch gradually over time? I’d like to switch to the Global all cap and possibly the developed world ex UK funds.

@TobyNewbatt 17 дней назад

@@user-hb2xw8xm5n Completely up to you at the end of the day. My view would be to just do what will help you sleep at night. For me, I always just get it all done ASAP, as otherwise it's getting close to trying to time the market...and we all know that's dangerous

@MattGregoryGuitar Месяц назад

Be very careful with meme stocks and their like. I am, at least I thought I was, a sensible investor. I got caught up in the GME hype and ended up losing £1.3k in 3 days. Undoing about 4 weeks worth of careful investing profits. Be careful out there everyone. Only invest what you can afford to lose. Don't get greedy. Don't get caught up in online hype.

@jtm0071 Месяц назад

I like HNRC. It's on the OTC but in the process of uplisting. Going for less than 2 cents, but has a NAV of 27cents. You won't be unhappy about this one by August.

@MarcOwenBanks Месяц назад

Toby, I've got a SIPP with HL with a 0.3% ongoing charge. Is that standard, reasonable, etc.?

@TobyNewbatt Месяц назад

Hey Marc - it all depends really on whats inside the SIPP and what other costs you have. Also HL is 0.45%? For some perspective, Vanguard is 0.15% so HL is 3X more just on the account alone. For example, if you are investing into mutual funds, and buying frequently all fo the costs add up. The platform fee is just one part of it. Useful tip if you did not know already it is cheaper to hold ETFs/ Shares in HL capped at £200 a year in their SIPP

@MarcOwenBanks Месяц назад

@@TobyNewbatt It is a moderately adventurous ready-made plan [accumulation], with a free initial saving charge, then 0.30% OCF/TER - I opened it with a view to a significant dump later in the year to reduce my Nett income - I'm wondering if perhaps looking at that, I might be better opening a new SIPP for that event sum over to avoid any ongoing charge - I've no idea what I'm talking about really.

@TobyNewbatt Месяц назад

@@MarcOwenBanks ahh ok so that 0.3% is the cost of your fund. That fee is taken out without you knowing it’s built in. On top of that HL charge a further 0.45% on the total value of all funds inside your SIPP so in total your fees are 0.75% which in my view is pretty pricey. I never tell people what to do with their money but it might be worth making sure you fully understand fees and how they work. I’ve got quite a lot of useful videos on my channel to start - take your time no rush 👍

@MarcOwenBanks Месяц назад

@@TobyNewbatt thanks for taking the time to digest and reply. I've got a 60/30 split on my ISAs, savings and investments with HL and Nutmeg. Didn't want too much spread but will take a look at the vids, I know vanguard are/were a fav of yours. Thanks again.

@timlodge8267 Месяц назад

Still reinvesting dividends from my DIVIDEND paying shares.

@TobyNewbatt Месяц назад

Gotta get that total return Tim 😉

@Barrygee Месяц назад

How long should it take for an ISA to transfer? I transferred mine into trading 212 and its taken 5 weeks so far, the money left my original broker 2 days ago but still hasnt appeared in my trading 212 account…i’ve spoken to them and they seem unbothered…I’ve never transferred an ISA before so feel a bit unnerved that my money is off in the ether somewhere

@TheJumpingJake Месяц назад

5 weeks is a fairly long time, my pensions were transferred within 14 days. Not sure about trading ISA’s, but due to the amount of holding you might have it might probably take longer to allocate those funds in to another broker. Not sure though, just going off the top of my head

@Barrygee Месяц назад

@@TheJumpingJake i don’t understand why its taking so long either, I’m transferring cash so its not like its even a transfer in specie, the whole process is leaving me a bit nervous

@adrianl5899 Месяц назад

Some providers, such as Vanguard, have a growing reputation for being slow. Unfortunately this is the risk of transferring in cash, as the time out of the market can lose far more than what's gained by saving on fees on the new platform. (It can work in a person's favour too, but that's the risk). An Aviva to Fidelity pension transfer (including selling out of Aviva funds) tooks a few days last year so some are very good.

@Barrygee Месяц назад

@@adrianl5899 considering the rally of the S&P 500 over the last few days I have missed out on some fairly decent returns.

@adrianl5899 Месяц назад

@@BarrygeeI sympathise and I think most would expect cash to arrive much quicker. Is it Vanguard you're moving from?

@AlfrankThompson Месяц назад

Can you help or explain how vwrp works as when you receive your dividend and how you can see them in your account.

@TobyNewbatt Месяц назад

You don't receive a dividend in your account - the fund takes all of them and it gets reallocated to the fund on your behalf.

@kw8757 Месяц назад

@@TobyNewbatt Is that the same for mutual accumulation funds too?

@TobyNewbatt Месяц назад

@@kw8757 Exactly the same - any accumulating fund receives dividends (and they never hit your account) they will get reinvested by the fund manager. How they are reinvested, and when they are reinvested I have no idea on the details - this will depend on the fund itself. For example,. they might be invested quarterly on a set date, or spread over a certain time. Could be good if I ever got to interview someone!

@kw8757 Месяц назад

@@TobyNewbatt That's information I'd love to know, I'd love to know how they deliver my return. Thanks Tony, I really appreciate your videos.

@kw8757 Месяц назад

@@TobyNewbatt Just been looking at my Vanguard VUSEIDA SIPP, and under "Transactions - Corporate Actions" it has a list of dividends that have been paid out. When I click on details it says that a "Final Share Distribution" has been declared at £8.95 and Group 2 Units will have an "Equalisation Rate" of 4.02441 applied. Is this giving investors a dividend return in the form of units of the fund? If so I can't actually see where they have been applied. Seems they are paid once a year, around December.

@TheBigShort11 Месяц назад

Do a video about FTSE global allcap ETF

@TobyNewbatt Месяц назад

Thanks

@hustlinhitch Месяц назад

I thought fractional shares were allowed now?

@TobyNewbatt Месяц назад

They are just not all providers offer them on their platforms. Vanguard don’t but you can buy Vangaurd funds in fractions on other platforms like t212 and InvestEngine

@hustlinhitch Месяц назад

@@TobyNewbatt Phew! I have VWRL with Investengine.