8 Investing Tips I Wish I Knew BEFORE I Started

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[@pickashole]

There is a reason why Joe avarage isn't taught about financial management at school. Debt is the economy driver

[@XORTION]

So true, TOBY PIN THIS

[@pickashole]

@@mooreben3295 definitely seek out financial edcuation at a young age to underatand how the system is set

[@stevenharris6626]

Toby, you have it absolutely right........I wish I knew all you know much earlier also.....Great video!!

[@PeteMatthew]

Thanks for the name-check and the plug for the book, Toby - much appreciated! Keep up the great work!

[@TobyNewbatt]

Welcome Pete thank you!!

[@DJ-nn6wn]

I've been investing for about 7 years, this video is very representative of my experiences. Good job Toby.

[@TobyNewbatt]

Every investors right of passage I guess haha!

[@TomsPersonalFinance]

Great video, Toby. All points are spot on and I can relate to all of them. You really do a great job getting messages across. Thanks for all the videos.

[@TobyNewbatt]

Cheers Tom!

[@FoxThirteen13]

I have made plenty of those mistakes but have learned from them. Great content as always.

[@ageitos]

Great video! Like all of us! It took me a few months to get a more relaxed and confident approach to investing. I wish they had taught us this in school or with some educational TV program. My ISA and my work pension are my two pillars of investment, and in terms of keeping things a bit diversified, I managed them as if it was all one big account. Currently looking at around 60% world indexes (funds and ETFs) and 40% tech (stocks, funds and ETFs). I can't choose ETFs in my pension, but some index funds are almost identical and with reasonable fees (0.05 - 0.15%) Keep up the great work!

[@kippsguitar6539]

Agree 100%, great advice, great channel, actually amazing, perfect, sorry about challenging any points previously, how silly, once again amazing and thank you,

[@TobyNewbatt]

Thank you as always for the support buddy. Always happy to keep learning

[@valerienewbatt9678]

Very good advise, and such a lot of hard work put into these videos

[@TobyNewbatt]

Weeeee Vaaaalll!

[@nicobass1966]

Great update. Tax free accounts is key and max out if you can when you get older, you are never or almost never going to gain against that in any other investment. I'm 57 and starting to see the benifits of ISA and pensions in the view of compound interest. Don't worry about the market, just look at the fees. If the high fees outperform the lower fee providers than that is just good but keep an eye on them as mostly they will be be be in the same market although that personal touch from a provider can make all the difference

[@dhermtalks6370]

i agree with all yout points Toby, i would just add the importance of budgeting and actually spending the time to track what you spend to ensure you are keeping your costs low and investing the most, it definitely makes you think twice about future spends and helps really understand your personal finances .The second one i would say about the concept of paying yourself first by transferring an amount of money for saving/investment as soon as you are paid each month

[@dubsdolby9437]

Great take on the fundamentals 👍 I retired last year at 53. I started my investment journey 25 years ago. Oh, how, I wish I'd just invested in index find or etfs. I think I'd be 300k richer with all the single companies I have wasted investments on. On the upside, I really concentrated on isas and have a large isa portfolio. If could travel back in time and give advice to myself, it would be. Buy 3 etfs Sp500 Eqqq Schd All in isas and sipps don't bother with invidual stocks, no stress, no hassle. That's it 👍

[@willlsmith8063]

Great video Toby and I can relate to many of your points lol.........

[@TobyNewbatt]

We’ve all been there it seems!

[@robertsoso7093]

Great video again, thank you Toby

[@TobyNewbatt]

Thank you as always

[@Cherpontcarp]

I watch all of the financial videos on You Tube and I have to say you are the only one who talks sense, there’s so much contradiction with other peoples content, keep up the good work Toby.

[@TobyNewbatt]

Thank you :)

[@jahonten5]

Another great video thank you

[@TobyNewbatt]

Glad you enjoyed it

[@ionutdavid3951]

The most honest advice, and easy to understand.🤘🤘🤘

[@TobyNewbatt]

I appreciate that!

[@se3059]

Sound advice.....I wish I had come across such advice 35 years ago.

[@arinnfc]

thanks for the video, very cool very useful for beginners

[@TobyNewbatt]

Glad it was helpful!

[@whereisgabri3641]

Number 9. I wish I had discovered your channel earlier!

[@NS-pt9rr]

Absolutely Right Toby, ive had enough of guestimating the market & individual shares, i have been investing my Isa's into ETF's and just forget about my ISA, Buffett once challenged any Fund Manager to beat the market over 30 years & not a single highly paid fund manager managed it !! If God says ETF, im listening. I have 30 years till retirement & aim to max out my isa every year until the Govt of the day decides to raid and or tax it, Im into Etf's and buy extra in a market drop, its a no brainer..

[@grubslife6358]

In the book im reading simple path to wealth it compares investing to street fighting and the use of leg kicks. Before you use your legs ask yourself are you Bruce Lee? No? Keep your feet on the ground. Same with investing, can I consistently beat the market over my lifetime, am I warren buffet? No? Invest in ETFs

[@lawrencer25]

Your last point about Pension. When i started my apprentice at 16 the company i worked for was in a scheme ( JIB ) . We were told to pay in as much as possible and the company wouid also pay into too and you even got free Bupa . The company T. Clarke is still going strong and is Now a PLC company. Which i still have shares in and will never sell . Cant pay into that Pension any more , unless i join a JIB company ( Paye ). Since living many moons back , i have Pensions with different companies. I know have my own company. My company pays my Pension, which reduces my coronation tax . I have been a bit worried about exceeding the Pension limit , which i have . My accountant told me , there is no limit to the Pension, But thing might change with a Labour Government 🤦‍♂️🤦‍♂️🤦‍♂️🤦‍♂️ We will see . I have had Pensions all my life . I know many people who have no interest in pensions. Young and old, all got excuses... I love my tax relief ❤❤❤❤

[@Norfolkpaul]

So right 😉

[@ChrisShawUK]

I don't think you can really know any of these things before you start! The best investment strategy is to start, and don't stop. It's a bit like that tiger woods quote when someone said golf is luck. He agreed, and said the the more he plays, the luckier he gets.

[@lawrencer25]

Another fabulous video ❤❤❤ When i started it was called 'PEP' . I was only allowed to put £7000 in , in a tax year had for any years . Then changed to 'TESSA ' for a few year and now ISA. I just bought maxed out and kept . After 20 + year iam fortunate to be in the 1% . Maybe fortunate not the right word? Just bought and kept . After 20+ years i have seen some of my go tg the moon ( thats the term the kids uses these day ) 🎉🎉🎉😂 I didn't realise at the time , i had some fantastic people around me when i was 19 . Told to buy shares and property and never sell . Unless you had too . Which i didn't have to . Hence becoming a Hoarder 😊 Keep the good work up❤

[@ChrisShawUK]

Weren't PEPs and TESSAs different things? The PEP for shares and the TESSA for bank accounts. Then ISA unified them under one roof. Like you, I've been investing the max into share ISA since they started when I was around 30. I wish I'd started earlier with those other products, but I'm still doing ok - I stopped work in 2019 which I certainly wouldn't be able to do without investing

[@TobyNewbatt]

You did alright Lawrence and you held through all the crap times as well 👌😀

[@ANTHONY1983--]

Great video. I started investing 3 months ago and clueless. Started with 29 investments in 1st month. Did research sold 21 investments and reinvested the small amounts into ETFs. Now much more relaxed. 6 ETFs and 2 stocks. Portfolio is $533 NZD so far after 3 months. Starting to get small Dividends. I opened up a new bank account.. Every $1 NZD I receive in Dividends I put 33 cents (33%) dividend tax into that account so at tax time I'm sorted. But on my brokerage I reinvest all the dividend. Thanks for the great info

[@TobyNewbatt]

Thanks for watching Anthony! And good luck keep it up

[@timlodge8267]

I started investing in Tobacco stocks 9 years ago i wish i invested in the S&P 500 i am slowly re balancing.

[@jimyai4329]

Thank you

[@TobyNewbatt]

Thanks for watching!

[@darlythomas3295]

Excellent

[@TobyNewbatt]

Cheers!

[@TheBigShort11]

I already knew all of that because i follow you.

[@TobyNewbatt]

👍😁

[@markwilliams7034]

I have only just started investing aged 60, have I missed the boat or is it worth sticking with it ? Keep up the informative content.

[@gazza2933]

I remember Warren Buffet saying that you should treat your investments as if 'you're owning a farm.' Not just continually buying and selling for profit. Personally, that works for me. 👍

[@abdulrahman31350]

Index funds is awesome for diversity. And they are really hard to beat. Especially one that tracks the SNP500

[@livingart2576]

Thanks to videos like yours it only took me 15 months to get my stocks into ISA accounts. Nice one bud 😊👍.

[@TobyNewbatt]

:)

[@gogreatme]

🎯 Key Takeaways for quick navigation: 00:00 📈 Understanding the Importance of Index Funds 01:51 💼 Exploring Tax-Advantaged Investing Accounts 03:17 📚 The Importance of Education in Investing 04:56 🧠 Dealing with the Emotional Rollercoaster 07:16 📊 Avoiding Stock Picking and Market Timing 09:06 ⏳ The Value of Starting Investing Early 10:45 💰 Keeping Fees and Charges Low 13:07 🌟 Harnessing the Power of Pensions Made with HARPA AI

[@leeread1234]

I just buy what i'm buying when I have the ££ available, mostly because it seemed every time I bought stuff went down but if I waited it kept creeping up lol. So now I choose what to buy then buy it ( it still seems to drop every time but I am about even so far )

[@pickashole]

Investing for me. Sure, ETFs are great but I do enjoy my individual stocks too. Plenty of good resources to research here on KZbin. Your channel being one of many good quality ones. And yes I wish I started a lot earlier with my investing journey. However, we can't change the past but we can shape the future

[@OhNiftyy]

Great video as always! Do you think the ongoing charge of 0.23% is high? This is the charge of the FTSE Global All Cap

[@TobyNewbatt]

Not at all I think that’s very reasonable. Sure they get cheaper in the US but for a UK fund this is a bargain.

[@DSonBlue]

Loving the thumbnail facial expressions. I mean it.

[@FelicityDwyer]

A book that I’d recommend for UK readers is How to fund the life your want, Robin Powell and Jonathan Hollow

[@turner1622]

Thanks for a very helpful video , really appreciate your production. Could I ask, in my index funds, where does the effect of compound interest occur?

[@TobyNewbatt]

Assuming you are investing in a global index fund that doesn't pay dividends but reinvests them? You will see over time, the price rise of your holdings (but this is only if the stock market rises) Compounding is always happening both up and down, but it only compounds upwards over the very long term, it's not going to happen during nay given week/ month or year.

[@turner1622]

@@TobyNewbatt Thanks Toby, I have 3 accumulating vanguard ETF,s. I wasn't quite sure how the compound interest worked, I was learning about it but not really grasping it, so thanks for giving me an insight. 👍

[@larsenb4803]

Say you invest £100 with a 10% return a year. in the first year you'll make £100 multiplied by 10% = £10. in the second year you'll make £110 multiplied by 10%, = £11, then £121 x 10% =£12. This is compounding. After many years a small amount can increase in value astronomically.

[@turner1622]

@@larsenb4803 Thank you for the explanation.

[@oneworldcafe]

Great advice. I doubt the £20,000 ISA limit will last 5 more years under a Labour Government. And pension tax relief could be capped at 20%. So I would say max out your contributions before the first 'emergency' Labour budget.

[@kennethterry6453]

Do you have a link where you got that cool stock ticker that’s on the wall in the back of your video?

[@TobyNewbatt]

It's a Divoom Pixoo 64 have a google and see if you like it :)

[@peterharrison2608]

Bit of a weird question... but, What is the wall clock in the background? I've been looking for a decent wall clock - what information does it display in the ticker below the clock? Make and model would be appreciated, thanks.

[@TobyNewbatt]

Hey Peter, it's called a Divoom Pixoo 64, check it out, you can display all kinds of things and I have chosen it to be the time and some stock tickers :)

[@itouch00]

Hi Toby great video again. I’m 35 and have only been investing for a year now but I took the time to watch a lot of videos this past year, which has really helped. It’s definitely a mental hurdle but once you’re over it and understand it, it’s pretty simple. One video id love you to do is what you would do with your cash if you have more than £20k a year to invest. ISA’s are great but what would you do if you had more than that to invest in a year?

[@TobyNewbatt]

Nice idea thank you! And good luck as well

[@twinkletale5548]

You can use an NS&I account which is for Premium Bonds. You need a lot to win anything but any wins are Tax Free and good to hold for your next year allowance.

[@Al_Does_Stuff]

​@@twinkletale5548current return is worked to 4% and a bit iirc. The minimum win is £25 so at about £600 you should win about once a year to make that return. Ofc premium bonds are not guaranteed return in that way but the math should work out.

[@highyielddividendinvestor]

When I started to invest in 1995, I had no idea what I was doing. I bought penny stocks that went bankrupt. Now I am semi retiring using my dividend payouts invested. I reached $10,016 monthly dividend. Thanks to TSLY, NVDY and KLIP.

[@robsalvv5853]

I literally am the poster child for point 6. I wish I had started sooner because I started right after the covid recovery and it’s been a sequencing risk fiasco ever since. BUT I have held firm and kept making those monthly contributions into a diversified ETF portfolio... it better pay off!

[@TobyNewbatt]

We never know if it will, but more time is always helpful!

[@jbriddler4640]

I'm interested in starting trading, I'm initially doing research before I begin. One thing I'd like to know is how taxing works. I'm currently employed so my taxes are dealt with by my employer (and the tax man), it's not something I have to do myself as a self-employed person would. If I get into trading, would I then need to also start sorting my own taxes?

[@tyronleemorriss]

no the taxes will all be sorted for you by whichever site you use, example if you are up £2 on a share when you withdraw it will automatically take 0.40p off before payout. I believe that's how it works anyway

[@1292liam]

Toby, as a fellow Brit, how come you chose VUAG, rather than CSP1, which has the same fee, but has done marginally better over time (4% higher over 5 years) - I wondered what (any unknown factors) made you decide on that (general) S&P ETF? Do you think it matters if I can't afford to 'dollar cost average' every month, and just park a lump sum, and leave it for 2 to 10 (/ +) years? Im thinking I might park it all in CSP1 ..or, split between IITU (or EQQQ) and just a little in Tesla.

[@TobyNewbatt]

Honestly I don’t worry about stuff like that Liam. Any highly liquid large index fund will do and Vanguard works for me. On the second point I made videos about that. 67% of the time history says just lump sum but it’s really up to you

[@1292liam]

Thanks Toby. You own VUAG on HL or Van ?@@TobyNewbatt

[@lilytea3]

0:00: 💡 Index funds are important for beginner investors and can beat the market without the need for expensive money managers. 2:55: 💡 The speaker reflects on the importance of investing in a Roth IRA for long-term tax benefits. 5:42: 📉 The speaker emphasizes the importance of doing research and being prepared for the ups and downs of investing, sharing a personal experience of doubting their investments during a market dip. 8:35: 📈 Investing in low-cost passive index funds is a stress-free long-term strategy that beats trying to time the market. 11:44: 💰 Fees can have a significant impact on investment returns over the long term. Recap by Tammy AI

[@ianlewis2813]

I wish I knew to put your Reits in your ISA first befor shares...

[@TobyNewbatt]

Definitely anything that gives you dividends or an income for sure!

[@Gee60711]

I am a novice in this business, and my question is: when is the best time to buy FTSE All-World UCITS ETF (VWRL) and S&P 500 UCITS ETF (VUSA)? Should I monitor the market and wait for the prices to dip? Thanks.

[@TobyNewbatt]

If you are a long-term investor, and you can buy consistently over many years the short answer is: You don't try and time the market. You just buy. If you get told otherwise, I'd also like to know the lottery numbers for next week from that person.

[@Gee60711]

@@TobyNewbatt Thank you, Toby. I'm 62 years old and have never invested before. It was only after my retirement that I became interested in this. So, I'm considering a time frame of the next 10 years. Do you believe that the two funds mentioned above would be suitable for my goals? Thanks

[@petsloveonly]

Do u use options trading to make extra money with Ur ETFs

[@TobyNewbatt]

Nope! Just straight forward good old investing 👌

[@petsloveonly]

@@TobyNewbatt u should start it's a fab way to add extra money into Ur portfolio

[@smithers4420]

I started investing a new months ago and maxed out my tax free ISA in an index fund. It's doing well (admittedly it would have been doing a lot better if I waited for a little drop before just dumping 20k in there but oh well) I still have more money just sitting in a current account than I should have and I'm wondering should I also open a normal ISA and put it in there or just wait until April when I can add more to the tax free ISA?

[@ChrisShawUK]

There's something called bed & ISA where you can directly transfer from a trading account into an ISA without selling... check if your provider offers it. It's a good way to keep investing if you have exceeded your ISA allowance (you do have to do a tax return though to declare the dividend received in the taxable accounts)

[@lawrencer25]

Plenty of banks/ building societies paying intrest up to 7%. I have also maxed out my Pension, ISA and premium bonds. Money spread all over the place . Making fabulous returns. Of course I have to pay some taxes . Which I dont mind . Plenty of good ways to make passive income 🎉

[@lawrencer25]

​@@ChrisShawUKyour correct. You have to wait 30 days to buy back . If your marriage, there are some great ways to keep your taxes down . Best Google/ KZbin. Plenty of good and free information out there . Good luck ❤

[@smithers4420]

Thank you for the replies

[@Al_Does_Stuff]

Just to be clear you CANNOT do more than 20k atm in all ISAs Combined so if you maxed out your s&s ISA then that's it until April. Someone above mentions a different approach (bed and ISA) but I have no experience of what he's talking about and that typically 20k is your limit on all accounts.

[@dean4111]

Hi toby, Talking of fees im looking at trying out a cheaper broker next tax year. Are there any pitfalls or things to be aware of when doing this as i wont be paying into current funds with my current broker or is it as simple as just give another one a try for a year? Thanks in advance, keep up the helpful videos 👍

[@TobyNewbatt]

Hi Dean, presume you are talking about a stocks and shares ISA? It depends on what account type youre talking about. If you are using a regular trading account you can have as many accounts as you like. I like Trading 212 and Invest Engine as my preferred platforms.

[@dean4111]

@@TobyNewbatt sorry Toby wasn't very clear, yes with a stocks and shares ISA. Looking at trying invest engine for the next tax year (currently HL) but just wondered if there was any cons or things to be aware of. Obviously I won't be PCA into my current funds for the next tax year with HL. Thanks for the reply 👍

[@TobyNewbatt]

All good! I think just try and plan what you really want to invest in, and what you need. E.g. InvestEngine is ETFs only, so don't expect any shares on the side for individual companies. In terms of things to be aware of, on IE, it's fairly simple and straight forward, no surprises for me.@@dean4111

[@RowlandtheBastard]

I’m struggling to know what or which S&P 500 fund to invest in in my SIPP. I have around 6 options. S&P 500 index c accumulation. SP&P 500 index c income. Core S&P ETF USD The same but from Vanguard. A ETF USD ACC again from vanguard. A bond account and NASDQ. I have dabbled in crypto in the past and had some good returns, but then lost again with bad choices, saying that, I hadn’t sold so technically I haven’t lost, just yet. I’m 52 and only just started a SIPP pension investing the maximum per year, which has a massive financial benefit due to the payments being offset by corp tax of my company. I don’t consider myself as an investor. In fact, I decided trading wasn’t for me. But I’d like to invest some, if not all of my SIPP into a investment fund. In your opinion. Which is the better option between the above choices?

[@timg1246]

In my opinion Bitcoin is just plain dangerous for the retail investor. It is not in fact an investment. It is just plain speculation. Bitcoin does not create anything, therefore it is not an investment. Whether Bitcoin goes up or down is just luck. Or the whim of a billionaire price ramper (I'm looking at you, Elon). Crypto has been described as the search for the greater fool. You buy it, then hope that someone else will pay you even more for it. Meanwhile, the 'currency' actually performs no economic function. So, why should anyone pay you more than you paid ?

[@simonkemp1030]

Which platform are you using

[@timg1246]

@@simonkemp1030 Nine and three quarters.

[@RowlandtheBastard]

@@simonkemp1030 interactive investor

[@AR-ln7ln]

At 20 I had moved abroad. I had money from work, but no way to invest it. Not even in real estate. Once I got the permit to invest, I went with real estate ofcourse. I wish I hadn't. I'm not doing rea estate or business that most go for. Market it is. Easy and I sleep like a baby.

[@gm2407]

Here is a question on theory. Does the fact that index funds exist force the market and thus constituant shares to increase in value as the various funds are consistently receiving money to invest every working day? We are at the point where there are so many layers to this investing that funds invest into funds. It is like Lloyds of London reinsuring each other. So many layers recycing the same dividends back down the line.

[@TobyNewbatt]

To a very limited certain extent as when you look into market mechanics, what really moves markets is the active traders. Passive index investing doesn't make up the majority of the entire market and there is a huge sum of investments in hedge funds/ institutions and active money :) I've explored this topic on my channel many times before.

[@gm2407]

@@TobyNewbatt Any particular videos on your channel you recommend on that?

[@TobyNewbatt]

This is an old one so forgive the presentation but the data is still relevant kzbin.info/www/bejne/fZqunWZ7Z8Sjq8k @@gm2407

[@gm2407]

@@TobyNewbatt Thanks Toby I watched it. Good video.

[@geolykos]

What account do I use if I can save more than £20k? Asking for a friend..

[@TobyNewbatt]

Any normal trading account will do but just keep an eye on taxes for capital gains/ dividends if they apply. But, other options - high-interest savings,?Pension?

[@AllDarkAngel]

Question I have 40k sitting in a Santander ISA. Can I open a Vanguard stocks and shares ISA and transfer all that money into it in one go, or am I limited to just transferring 20k a year into the Vanguard ISA?

[@robrohu6099]

You can transfer it all.

[@TobyNewbatt]

Hi Matt, you can transfer your stocks and shares isa from any previous tax year and this does not affect this years allowance. Please double check that with the provider but once money is inside an ISA from a previous tax year it’s no longer counted as ‘new’ money hope that helps!

[@AllDarkAngel]

@@TobyNewbatt That's great news, I have two ISA's at the minute with Santander one is only giving 3% interest there's 20k in that one the other is giving 4% interest there's 40k in that. I don't know whether to wait to get my interest on it at the end of the tax year or just put it all into Vanguard now. The worry am having will the markets crash any time soon, global economies are not looking to hot at the minute. I'll probably start my Vanguard ISA with the 20k see how it goes, with the goal of transferring the rest in the future maybe wait till April next year.

[@IAmebAdger]

​@@AllDarkAngelhistory and maths will tell you it's technically better to lump sum invest asap, so put everything in low cost index funds right now. What you're doing by waiting is you're unintentionally timing the market which rarely benefits your money. However, it is true that your waiting with one part or dollar cost averaging will help you sleep better at night, and that helps you win the mental game against yourself, which is quite important. In other words, carry on!

[@ChrisShawUK]

Just to add to the replies in case it wasn't obvious ... you usually have to open the stocks and shares isa first using this year's allowance, then you can transfer. You can't just transfer into an empty account. But you can just open the ISA with a couple of grand or whatever

[@kevinsyd2012]

Great video. How can we get everyone to invest in a stocks & shares ISA, even at £5 per month? The perception is that these are for the rich, and a very low % of the UK population hold one. It's such a shame that so many miss out on tax free, compounded growth over their lifetime.

[@TobyNewbatt]

Great question Kevin and I think the only answer is to keep talking about it and keep educating people! Which is exactly what my goal is with this channel :)

[@musicloverUK]

Teach it in schools? It's almost as if the ruling elite want to keep the proles downtrodden earning low wages but keeping the wheels of industry oiled.

[@jakubageter1689]

Recently, I bought additional stuff. It is also a terrible idea to save money for a downturn in the market. Recessions and depressions can be viewed from a variety of angles, big profits aren't always possible, and taking a chance is preferable to doing nothing. The bottom line is that by diversifying your portfolio and making informed judgements, you will attain outstanding outcomes. In just five months, the raw earnings of my portfolio increased by $608k.

[@george6977]

👍

[@beaverundercover3479]

State Pensions in the UK is not very good compared to EU pensions

[@ChrisShawUK]

It's best to ignore the state pension and aim to become financially independent with your total portfolio. If you happen to receive state pension on top, that's a bit of cream. But it can never be relied upon.

[@lawrencer25]

Why wouid you care about Pensions in Europe ? First major mistake for anyone is to depend on a state pension. Pension shouid be looked at as a bit of spending money . Unfortunately so many people depend on their pension and I dought there will even be a pension if you in your 20's now 🤦‍♂️

[@timg1246]

I agree with the other two posters. Do everything you reasonably can not to be dependent on the state pension. I think it will still be there for the foreseeable future, but the more options, the merrier. It is also difficult to compare various state benefits too directly. If you compare the UK to a foreign country, how do they compare when it comes to tax breaks for private pensions ? What about non pension benefits, such as free travel or free prescriptions ? When you start to do that, which is not easy, things do not always look so clear cut.

[@simonkemp1030]

European State pensions are not really comparable to UK, and more complex, most European work on previous earnings and how many years worked and are means tested Spain comes out tops but your circumstances could mean you only end with equivalent £155/week or if destitute £535 / France is similar £130- £535. A lot of Social media inaccuracies. The UK we all know what we have to re NI and know what we will get and can plan accordingly. Except probably large percentage (wonder what is actually is) don’t have a Clue about investing etc. They have been brought up of the never ending media obsession of property and the illusion of wealth it is supposed to bring.

[@ChrisShawUK]

@@simonkemp1030 not just a media obsession either ... most people I know are broke, with neither property or equities. But they are totally obsessed with property and it's supposed magical powers.

[@Noodles363]

Hi Toby! Love your videos! Could you do a video on investments for children. I have a new born and plan to put away around £50-100 a month into and index fund until he's 18+ Cheers

[@TobyNewbatt]

Nice idea thank you!!

[@Noodles363]

@@TobyNewbatt cheers dude! Keep up the good work!

[@TitaAnderson]

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024

[@Cammimullens]

Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.

[@softy-bf5eg]

I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@softy-bf5eg]

I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you

[@timg1246]

In my particulat case, I have been investing in ISAs since they were called PEPs. BUT.... I only recently discovered ETF trackers. And, although I am now a pensioner, I still do not understand all of the possibilities of pensions. I am sure that has caused me (as well as MANY others) to miss out on lots of income in later life. Why do governments make pensions so un-necessarily complicated ? That certainly does put people of from even enquiring. For instance, why are inherited pension funds taxed differently, depending on the age the pensioner dies at ? That just seems quirky. Un-necessarily so.

[@lawrencer25]

Never to old to learn. I started with PEP , then TESSA and now ISA . Good luck

[@timg1246]

​@@Toby-Nb-Spammer

[@scottm6018]

I wish id started sooner too biggest regret

[@TobyNewbatt]

All good Scott we’ve got plenty of future ahead

[@scottm6018]

@TobyNewbatt for sure, dollar cost average weekly is our friend, look forward to more videos 👍

[@timlodge8267]

Cathie Wood ha ha ha ha. Great way to lose all your money.

[@TobyNewbatt]

But Tim…disruption is the future bro 😉

[@timlodge8267]

It makes me laugh Toby when you see all those years ago what are you 30 not 60.

[@TobyNewbatt]

😂😂😂😂 I’m old before my time

[@etiennepretorius1993]

Index funds don’t beat the market; they perform slightly under the performance of the index by tracking the market and charging script (tracking) fees. You sacrifice outperformance to ensure that you do not loose against the market. Please keep your terms correct as stating that “index funds could beat the market” is a lie

[@TobyNewbatt]

You know what I mean though don’t you 😁

[@ChrisShawUK]

There are only two types of investor ... those who wish for market return and those who wish for more than market return. There are three outcomes however. Those who wish for market return, receive it (the 0.1% fees are part of market return .. there's no fee-free way to receive market return) Those who wish for more than market return (minus fees) will end up with either more or less. There's about an 80% chance of ending up below market over 20 years. You just have to pick what's right for you in the end

[@lawrencer25]

Funny I was thinking thinking the same . Lot of people dont really understand the market or Investing, so properly wouldn't pick up on toby mistake. Great minds think alike 😂😂😂😂😂