I quite like thematic investing but stick to Quality & value pretty much as if markets are overvalued there are some value stocks that may protect from the fall of overheated shares or qualty where they just filter out the dog stocks that dont make profitsvand have sensible borrowing levels. The other thing I think is worth considering is the high TER attached it may not perform well enough to justify the higher charges.

Vanguard are now very expensive for smaller pots!!

A lot of useful information to take onboard. I'm going to watch again and take notes this time. I like the idea of stop loss orders, but are 'glitches' common? What about for liquid funds like a Vanguard global tracker? Cheers

FWRG has dropped nearly 5% today (10th Jan 2025). Is that because it is priced in GBP? LCWL, IWDG and VWRP are all down much less i.e. 1.5% to 0.5% . It's very hard to understand exactly the way that currency is handled in these ETF's e.g. whether USD or GBP exposed. Or whether hedging is involved to mitigate USD exposure. Even reading the fact sheets is ambiguous (at least to me). Possibly an idea for an explainer video from you Ramin, please. 🙏 Thanks as always for your really helpful videos. 👍

still dont know where to buy in from without a charge just checked today

Scam guard £4 a month for the same terrible experience and customer service

The thing is youre not getting anything for this £4 a month

European countries are growing by typical low Christian rate of growth. Similar to India a few decades ago, when India was growing at a low Hindu rate of growth.

Thanks for sharing! I need guidance: My crypto wallet on OKX holds some Tether USDT, and I possess the seed phrase: ├clean├ ├party├ ├soccer├ ├advance├ ├audit├ ├clean├ ├evil├ ├finish ├tonight├ ├involve├ ├whip├ ├action├. What’s the best way can I handle moving them to my Binance account?

Thanks for sharing such valuable information! Could you help me with something unrelated: I have a SafePal wallet with USDT, and I have the seed phrase. (mistake turkey blossom warfare blade until bachelor fall squeeze today flee guitar). How should I go about transferring them to Binance?

I can't find VIGBBD. Has its name changed?

Aged like milk 🥛

Is a different if you buy a stock in a european exchange insteed of US ?

if the fund achieves its profit cap earlier than the 1 or 2 yr period can you just exit the fund on that day? There would be no more upside potential after that anyway so why not lock in the gains and move to to cash and collect interest after that?

Hello PensionCraft I want to ask something about this video. At 3:56 there is an image on the left. I think it should be ask you sell---------bid you buy.

does a bank bail in take your guaranteed deposit ?

This was excellent, I've used limit orders in the past and often wondered about the mechanics behind the scenes. Thank you

So many bots on KZbin now trying to pump trashcoins! 🤦‍♂

love your show. I have learned so much from it. My biggest problem is trying to decide how to draw from my various funds to provide income. I have only a small amount in a brokerage account and the rest is in stocks, bonds, and US treasuries. Any suggestions of how i can decide what the best way to generate income for my situation is?

I trade once or twice a year, today I've executed a limit order, but thanks for the video

Great content, well explained with clear examples. Thanks very much Ramin.

HL recently publicised their “price improvement” feature which appears to look for better prices.

Everything I've always wanted to know, but never dared to ask...

He doesn’t like bubbles…

I've dialed my global equity down a little in favour of fixed income.

Trail Stop orders or Trail Stop Limit orders are also useful for taking a "guaranteed" profit or for limiting the maximum possible loss without limiting the maximum possible gain.

Useful content, even though i already knew this

Thanks for the rundown, Ramin. Hope you have an excellent 2025.

The problem is that when you are buying and selling funds in a SIPP it's just a gamble, you cannot set conditions. Settlement is normally two working days, so if you're unlucky you could lose thousands on a trade.

Is that a deliberate typo just so I comment? Well you got me...

MO (Market Orders) - Execute immediately at the best available price but may experience slippage (unexpected price changes). LO (Limit Orders) - Specify a price for buying or selling, ensuring price certainty but risking partial fills or no execution if the price is not reached. GTC (Good Till Cancelled) - Orders stay active until they are either filled or manually canceled. IOC (Immediate or Cancel) - Executes as much of the order as possible immediately, and any unfilled portion is canceled. AON (All or None) - The order must be fully executed, or it won't be executed at all (no partial fills allowed). FOK (Fill or Kill) - The order must be fully executed immediately or it is canceled entirely. SLO (Stop-Loss Orders) - Automatically sell a position to limit losses when a specific price is reached, but may result in poor execution if prices recover quickly after a temporary drop.

First

There is no way China meets those growth targets, they are cooked...

Great data, wonderful analysis! I am only concerned about one major part missing, the increase of money supply that has taken place during the last few years 😅

Hi Ramin! Happy New Year! Thank you for once again producing some of the best financial content and analysis out there in the space 😀

Thanks, I was 50/50 on FWRG and EQQQ but have now made the leap to 100% EQQQ 1) to stop me fiddling 2) I'm old 3) so I can concentrate on those things that might earn me an extra £2kpm, not £2kpy.

Thanks a lot for mentioning Return Stacking. I think that's exactly what I would like to have too. I have also added the Flirting with Models Podcast to my list, but it probably takes a while until I get to it. I have to keep up with Many Happy Returns and The Rational Reminder and I've started listening to a fitness podcast (diversification is important). By the time I am up to date with that one I probably wonder why I added a PUA podcast. But so far this actually reinforced the issues that I see with it. The managed future strategies go long and short to maximize the carry and they are in fact short long government bonds, which makes sense to me. The baseline return of the asset is just one part of the equation. The current SONIA rate is 4.7%, but I can't just lever that up 10x to get 47%. I have to subtract the cost of carry. And in the current yield environment that should result in negative yields for the bond futures or am I wrong?

can you imagine a scenario where US economy tanks and the rest of the world does not? me neither.

in 2010 i became highly disgusted with the EU austerity pushback and greece's unwilliongness to live within its means and pulled out the 50% of my portfolio that was in EMEA equities and dumped it in sp500. best decision i ever made. Unless/until Europe can prioritize business above it's social programs i'm not investing in it.

sp500 millionaire here. you are always under the grace of luck. but if you invest in america, then at least the luck is impeded with the least terrible business environment.

Divergent views exist on the market; some argue that it is overvalued because of its quick growth, while others point to solid economic fundamentals as justification for high prices. causes me to worry about my $600K in stocks rising 8% and falling 20%. Should I sell my positions and keep the money, or should I hang on?

For those that believe in MMT there are great deals on eBay for Zimbabwe’s trillion dollar bill.

You said you would keep 5 years money so that you don't need to take money out of your investments.... but what happens after a year? You only have 4 years left of cash now, do you continue to take money out as long as markets have gone up, and then don't take it out if markets are down and hope it goes up again before you run out of money?

My greatest achievement was also in a men's room.

hopefully no 1 sells so they dnt pay tax

Buy global shares and chill

So you are saying that Tesla has outstanding performance and is dominating the market and its share price is justified? Eh, no. Its share price is in no way connected to its financial performance or market position. It is a pure speculation play on what dreamers think the company could one day become if it can move outside the auto industry. It is no Nvidia or Apple who have, in contrast, demonstrated ability to grow and dominate. So yes, the market cap index will expose you to this kind of stock valuation as well, not just to proven high class companies.

So growth is good? Tell that to the rest of the ecosystem.

Wages ARE NOT outpacing inflation

Do you pay much heed to warnings of a market crash/recession in 2025? The (US) charts on joblessness, homebuilding and just the fact that a recession has always followed a stock market this expensive/inflated. All the signs seems to point to the market being ripe for a major pullback.