these videos often fail to consider investing via pension which generates a guaranteed return of 20/40/45% instantly. Mortgage payments are paid net of tax.

If I don't win a high value premium bond prize on January 3rd, I will be putting most of my money into the market.

When you hit 200 will you go for more dividends over growth? Would be nice to know which etfs you are invested in

@upthegainsmoney we love your content. My client @SrijithKariyattil would love to connect and collaborate. Let us know your thoughts.

Fantastic discussion, Andrew is awesome when he gets talking about bio tech

Nice to find someone who’s not got 3million giving little tips

I’ve lived in London since 2010 and finally managed to buy this year. However, for those that are interested here is a list of my rents that I paid ( in shared houses) and in different areas. As you can see I had to move around a lot, particularly when Landlords wanted to increase the rent too much. 2010: Herne Hill - £450pcm inc. bills 2011: East Dulwich - £475 pcm ex bills (£575 inc bills) 2012: Harringay - £480 pcm ex bills (£550 inc bills) 2013 - 2015: Tooting Bec - £480 ex bills (£560 inc bills) 2015 - 2017: Tooting Bec (same house but bigger room) - £550pcm ex bills (£650 inc bills) 2018 - Balham - £700pcm inc bills 2019 - Swiss Cottage- £700pcm inc bills 2020 - Clapham South - £1,300pcm inc bills 2021 - Streatham - £800pcm inc bills 2022- 2023 Bounds Green - £600pcm ex bills (£725 inc bills)

I’m looking at setting up the trading 212 ISA. When typing in S&P 500 a few options come up. What one do you recommend? Thanks!

Perfect !!

Try explaining this to a politician, they dont get it. I rent a single room in a house and my rent is £1000 p.m.

£100 a month is SO much, who can afford that?! I see this video is just for the rich folk in their plastic towers 😮‍💨

Agreed on investing more when the markets drop. THAT’S when I try to invest every penny I can. I always consistently invest, but the bear markets are when to get greedy.

Vanguard all world and chill.😊

Total n00b question, but why do you lose tax free status to take the funds out of the old provider and depositing with the new one, rather than transferring directly between providers? Surely the gains when you sell in the old are tax free, then there wouldn’t be any tax associated with buying investments in the new ISA? I can see that you would maybe lose (or “double spend”) your tax-free allowance. Is that what you mean? But if you’re nowhere near your annual limit, that shouldn’t be a factor, right?

Great content thank you for sharing dude!

Great Intro video, but most people of your age are already investing $thousands anyway. They will have a Defined Contribution Pension. They should take a careful look at what their pension scheme is invested in as they may be able to change it to a MUCH better performing (higher equity) scheme. Many pension schemes give you a default investment in poor UK stocks and low gain bonds but most investors agree that for younger people (20-50), investing in 80% to 100% equity is much better. Meanwhile your default pension scheme is paying for all those pension company employee Porsches!

Looking forward to get started! Keep up the great content!

Sounds like financial security 🔥

It’s better to own whetherspoons than drink in whetherspoons This is metaphor!!

Good advice

Good job getting out of debt. Sometimes people never break their poor financial habits in adulthood

That’s the figure I earn but there is problem, I am not working 40h/week… I have four job, indeed I am still not understanding what he intends for salary,if it is all income taxable you can earn in a year, or just the main salary; maybe 35k mon to Fri that’s it job, because I might be an “handyman” and have four job and at the end of the year I can reach this figure (I could work bank holiday) although my main salary is 30k/year

Great video. If you do feel strongly about a stock, say tsla or pltr, is it recommended to go 40 per cent in and leave the rest in an etf? Tsla is insane atm. Wish i had more in it because it would allow me to hit six figures and then withdraw initial investment and put into voo

zzzzzzzzzzzzz

I invest in the nasdaq 100. Thinking this index is broad enough to scoop up alot of future biotechnology. What are your thoughts ?

Ummmm? After all that talking there’s no conclusion. And no mention of the final outcome: After 30 years you’ll OWN a home

British banking awards...award for most corrupt individuals

I work in finance!! Out of all the books I’ve read, all the courses I done, all the content I have digested. One book reigns supreme. “Richest man in Babylon”

Hi Sammie great content as always. Do you have a video show which individual companies you follow?

Thank you, this is really helpful! What’s your take on debt - pay it all off first before investing? Or split your money by investing a little while paying off the debt?

Do you max the Isa every year and how regularly do you feed in cash? Any thoughts on dumping the max in on April 1st vs drip feeding? Congratulations on your success and recognition

Used GAINS thanks for code. Placed first ever investment tonight. Its a whole new world x

Great easy to digest video. Im mainly investing in an all world fund for the long term

Love your enthusiasm man ❤

Does your partner have a separate acc or shared?

Same start with Barclays at Uni (scumbags), only it took me to 36 to get out of it and grow up. 44 now bought a house this year, heading to 100k pot by 2027 then the moon

Yes Sammie, keep up the great content brother

Great video, I had a huge debt problem when I was younger, that lasted for years. Credit cards seemed like free money until I got to the point where I was drowning in debt. Like you I realised I couldn’t carry on like that so I focused clearing it as soon as possible, it took a lot of time but I could slowly see it go down month by month. Once I had cleared the debts I focused on making the most use of my pension contributions to get the max tax benefits and only after that did I start to focus on my ISA. I knew I wouldn’t be utilising this invested cash until I was 55 so the pension was the most efficient vehicle. I retired at 56 along with my wife who is a few years younger after a huge amount of saving and investing. One thing I would say is that I’m still risk on being 90% invested in individual stocks and ETFs, although my individual stock focus has shifted to dividends to pay out a steady income as we have no salaries any longer. We have been lucky to retire into a very favourable stock market which I’m well aware could turn at any point. We have enough in cash like instruments to last a few years should it be needed but at the moment things are going really well. If someone has high interest debt, like credit cards, this has to go first as you will never out perform it with investments. Make the most of your pension, especially if you’re a higher or additional rate tax payer and you don’t think you will need the money before 55 or 57 as the age of accessing it is increasing in 2028. Use your ISA allowance but go for stocks and shares and not cash if you can afford to invest. As you say invest regularly and consistently, if you get a bonus or some other windfall invest it rather than spend it. Your future self with thank you later.

Great episode,love listening to your content,keep up the great work.

How much out of 135k did you invest yourself, how much of that is return? Thank you

I deleted IG and found out about investing. Learning what I can. Got to build my emergency fund fist, pay down debt. But I've opened lifetime Isa and stocks with my bank. Wish I knew about this years ago but if I don't change now at least I'm giving myself a chance to live a new way of life and have a chance to be secure by retirement 27 years time aprox.

I haven't got access to Vanguard FTSE all cap on free trade which is what I have used for years, what would you invest to instead. I have S&P500 and VUKE, but would be good to find an equivalent, as it doesn't allow investing in that index fund 😞

Pros and conns...I can get involved n Eqqq...but T212 doesn't even offer Fundsmith, which in the current climate helps diversification.

😂 I'm laughing at the price for a beer!

Great video i am with HL looking ar moving shares to trading 212 when you say you had to move it as cash do HLsell the shares move the cash then i would have to buy them back

Hi, been enjoying the videos and this £100 pm caught my interest. Newbie and wanting to jump in. The plan would be, stocks and shares isa, autoinvest 100pm into sp500, global etf and maybe ftse100. Ive read and seen lots on funds which pay out and funds which reinvest. Ibwas swaying towards the reinvest model. Id like to not touch and check the account in 20 years, then potentially withdraw. For a newb, have i missed anything mayjor? And/ or recomend ?

invest engine for ETF and T212 for stocks in GIA and isa, just watched this vid and a few more of your older vids and i am very impressed in the way you present and how you are quick and to the point with good analagies and with a bit of humour, thank you. subbed and liked.

I too went with HL, still do, and very happy with it. However, I too have wasted my money for years not appreciating what HL is good for, and what it is not. HL is not for trading, and especially foreign stocks. What it is imho is a good investment platform for investing regular sums into funds and etfs, which you intend to hold for a long period of time. The buying of etfs in particular can be lowered to £1.50 per trade if automatically set each month, and etfs avoid the 0.45% HL fee that you will pay if invested in regular funds. My biggest complaint about HL is what I consider a rather opaque fee structure that uses low values to show you your fees, which I believe helps hide the costs to its customers.

HL fees aren’t good I went with Aj bell