All Investors Need To Avoid This EXPENSIVE trap

[@JayisWalter]

Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.

[@RaySmith-l6k]

How please can you explain because I've been making a lot of looses trying to make profit trading.

[@JayisWalter]

Weekly trading is the best way of making money in the market due to lack of experience which resulted in loosing funds... But miss Kelly, Ohgee restored hope shes a good woman

[@DanielRichie-s2z]

Since meeting Expert.,Kelly Ohgee I now agree that with an expert managing your portfolio, the rate of profit is high, with less risk.

[@MelissaAnastasia-j2i]

Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.

[@AwesomeGod-o3y]

Since I became so rich in cryptocurrency I realise that crypto is the future cuz l invested 7k and made up to 36k as weekly profit I appreciate the help of this woman

[@sarawilliam696]

SCHD is a solid choice for dividend investors, especially in uncertain markets. With its consistent dividend growth and solid track record, it feels like a reliable long-term hold. I’m focusing on ETFs like SCHD to balance growth with stability, especially as we navigate the impacts of rising interest rates.

[@GurinderKaurHehar-xy09]

I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.

[@NoorJari406]

Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q3 2025.

[@foden700]

Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.

[@NoorJari406]

My CFA, ‘’Aileen Gertrude Tippy’’ is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.

[@foden700]

Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!

[@adib3897]

Stamp duty is a total joke. One of the many reasons why British companies lack the funding they require

[@nax1807]

stamp duty is paid to the government not the company or the platform. but yes it's a farce

[@peterwstacey]

Certainly Stamp Duty on primary homes is a drag on the economy - it stops people easily moving when changing jobs...

[@steve6375]

Biggest con is pensions. They tell you what their charges are, but you also need to look at what funds are inside your pension. Often they use their own funds, uk, all world, emerging, etc. but the TER for each one is often around 1pc or more. That also goes into their pocket and it is not declared openly to the investor. They could have used low TER ETFs...

[@TobyNewbatt]

Yes indeed…

[@adrianl5899]

If we take a workplace pension such as Nest (as many will be in it), after the initial charge Nest will charge their stated 0.3% for their product (bundled funds product). But if you look under the hood at underlying funds, it can be easy to assume you are also secretly having to pay all the listed charges of each of those too. But that's not how these products work. Equally, when using a fund of funds such as Vanguard Lifestrategy, you pay what they say the fund itself is charging. If you go under the hood to the info. on the underlying funds, they too state their individual charges. Again, you might think you pay those on top of the Lifestrategy fee. You do not.

[@lawLess-fs1qx]

yep. pensions recreate standard index funds and charge 5x fees. No way to buy individual stocks in most of them. No crypto. No GOLD. No nothing thay can't bundle into a fund and charge fees on. Outright theft. UK citizens are blessed with ISA'S. most Europeans don't have that option to protect the pension Cartel.

[@kevinmerriman7164]

Invest Engine all the way 👍

[@bob1234881]

But they don't do efps I love my x3 and x5 leveraged s&p. Trading 212!

[@ellerellerek52]

@@bob1234881there are no fees in t212 as well

[@1292liam]

Big up Invest Engine Tobes

[@Worldwithoutboarders]

Big fan of investengine

[@maltesetony9030]

My total fees for investing (funds fees + platform fees) = 0.24% of AUM. I can live with that. Perhaps everyone should work out a %age figure (?) A good rule-of-thumb is that, for passive investing (and I stress that), it should be below 1%. (The only other thing to add would be the cost of calculating the tax on assets, but that would have to be done in any case, whoever I was invested with - so it (sort of) cancels out).

[@SILASRuth-m5c]

Where do you buy XAI709K?

[@Maiiftl]

Where’s that quarter zip from boss?

[@PaulB-q3d]

HL's FX fees are an absolute abomination!

[@akshaypotdar1840]

Could you do a video on platforms for UK Gilts? TIA

[@shimsteriom4191]

Great video 👍

[@TobyNewbatt]

Thanks 👍

[@marcwareham9351]

A 1% fee over 40 years will reduce your final amount by 28% as the fee compounds too.

[@VoiceOfThe]

Not sure why I watch you as I’m no longer a U.K. resident for tax purposes, but, I like your presentations. IBKR is my choice and looking to switch to them soon.

[@TobyNewbatt]

@@VoiceOfThe I’ll take it! 😎

[@FreaksSpeaks]

Old habits and all that

[@OmerMehmet-o6z]

Just recently joining in on the fun with the XAI709K gang. Been liking the content, good job ☕️

[@sriharshak8573]

Apt title for this video "“A penny saved is a penny earned”"

[@couchpotato2655]

Hi Toby, I love your videos. PLEASE, can you do a video on what options people have when they have maxed out their ISA. 🎉 You are a legend 🙌

[@TobyNewbatt]

@@couchpotato2655 thanks good ideas - maybe a video on the best order to invest 👍

[@couchpotato2655]

@TobyNewbatt than you, I know it's not a priority topic, but it would be so helpful for those of us who are in that situation.

[@LiviuTaban]

I've been increasing my pension via salary sacrifice and ofc making sure the funds perform better than the default funds

[@NeslihanFunda]

Where to buy XAI709K pls

[@PaulB-q3d]

Prosper are offering free funds on 30 of their main ones, and no platform fees!

[@imc20007]

I use plum, i think they are ok

[@TobyNewbatt]

What are the fees like?

[@barryfrombarnsley2790]

I had loads of issues with Plum, customer service is pretty much nonexistent, had loads of issues trying to transfer other accounts into Plum leaving me in limbo, you also have to grant them unlimited access to all the data from the current linked to your Plum account, including every transaction you’ve ever made using said account. It was a massive palaver trying to close the account as well, took weeks and they were dishonest when contacting them using their chat function regarding what was happening with the account closure, etc.

[@barryfrombarnsley2790]

@@TobyNewbatthi mate, my comment regarding Plum looks to have been automatically sent to your spam filter. It was important information that people should be aware of imo.

[@xborninthefightx]

Thanks for another great vid Toby. I am currently looking into switching my pension from Nest and my older previous ones into a SIPP. I am also a small business owner so will be managing everything myself. Have you done a video on this particular type of topic?

[@TobyNewbatt]

I’ve moved all my old pensions to Vanguard a while ago and I now contribute to that through my limited company - I’ve done this topic spread amongst quite a lot of videos if you go back 😇

[@xborninthefightx]

@TobyNewbatt thanks dude. My first go to company which I thought of was Vanguard as I already hold a stocks and share ISA but wasn't too sure if it would be the right one for a SIPP cause of fees as keep hearing that others are cheaper.

[@SJS1990]

Is the TER shown in this video what Vanguard charges or the total cost including whatever the platform charges?

[@TobyNewbatt]

No TER is only what the fund charges - it’s why it’s so important to get a low cost platform

[@uglyducklingako4989]

What will be the effect on the current portfolio if the child Junior ISA in HL moved to IE when they turned 18? Since in your previous video, you recommended HL for Junior ISA since it's free but we all know they are one of the highest fees of 0.45% Planning to move their ISA in IE. Thank you in advance.

[@RonnyFreeman-b3o]

I'm loving my retirement so far! My wife and I worked hard to reach this point - we're both retired, debt-free, and fortunate to have over $3 million in net worth. We achieved this through a saving and investing lifestyle in the financial market, which now generates weekly income for us. And now, we get to enjoy the fruits of our labor! We're traveling, golfing, and spending quality time with the grandkids. We feel grateful to be living smart and frugal, making the most of our golden years.. Thanks to Loraine Souvenir

[@laetice03]

Having access to reliable information is crucial for us as investors to succeed both financially and in life. This is valuable, I've just looked up her full name on my browser and found her webpage without sweat, very much appreciate this

[@kaileyxxmorgan]

Surprised to see her mentioned here! She tailors trading courses to suit beginners’ needs and really knows her stuff. Her advice has been invaluable to my trading journey-definitely worth it!

[@christofjahn]

Kicking off this year with such high hopes, especially with Bitcoin, has been a journey. Let’s be real while hodling has its place, those waiting for only the big skyrocket moments might be missing out. Day trading has given me more steady, consistent growth thanks to Loraine Souvenir guidance and her daily signals. Couldn’t have done it without her!

[@Abriellesaz]

Investing has proven to be an incredibly beneficial decision. My cryptocurrency profits continue to play a substantial role in growing my overall wealth, reducing my reliance on my salary

[@delacay]

It's truly refreshing to see a comment about Loraine Souvenir. I've also had the pleasure of working with her for several months after discovering more about her online. She has a knack for simplifying complex issues, whether it's a market surge or decline. Her approach consistently keeps you ahead of the curve. I'd call her a guru, for sure

[@DarleneAntonio-u1x]

Glad to see XAI709K leading the charge. One thing to note about XAI709K tokenomics that was glossed over is that usage of the XAI709K Network burns, lowering supply and well... You know the rest ;)

[@metro1361]

If £10k is invested at 0.07% fee. Is the fee charged on the gains or the £10k capital and gains? Thanks

[@marcwareham9351]

The capital and gains.

[@Black-Circle]

whole amount

[@APO458a]

Do you think Invest engine will allow Sipp transfers fm HL anytime soon?

[@barryfrombarnsley2790]

There don’t appear to be plans to support anything other than transfers from Vanguard at the minute, and that’s a bit of a faff as well. I wouldn’t hold your breath.

[@TanaBarajas-s7e]

Thanks for the update! I'm holding and buying more XAI709K! XAI709K is the sleeping dragon in this run and its about to wake up.

[@1292liam]

JAM ETF is managed and low fee, and has beat S&P last 5 years

[@David-lj6dq]

Does anyone know if Natwest invest is good for a Junior Isa/Investments. Looking to open one for my 3 week old baby.

[@TobyNewbatt]

@@David-lj6dq I did a video on best junior isa accounts that might be useful 👍

[@David-lj6dq]

@TobyNewbatt Thanks very much. 👍

[@TobyNewbatt]

@@David-lj6dq Also congratulations!! :)

[@David-lj6dq]

@TobyNewbatt Thank you. 😊

[@RealmsOfThePossible]

Spambots are flooding your comments mate.

[@EminePinar-z7z]

agreed on XAI709K 36-38x coming up

[@ibrahimVolkan-i8e]

Bought 50k XAI709K COIN..from 4 cents to $1 soon..30 x.. Binance just bought 10 Billion XAI709K coin..🚀🚀🚀🚀

[@MineDeniz-w1i]

If you are holding XAI709K and XRP ready for 20-50x

[@HyeKline]

Bro, i bought XAI709K in November after your video. i'm up 379%.

[@TomokoOlsen-w4x]

With Elon and Trump now working with XAI709K is going to absolutely blow up

[@IlanaColbert]

Is it too late to buy XAI709K at $0.90?

[@timlodge8267]

S&P 500 every time in a low cost ETF.

[@UmutUfuk-gj6cq]

We all want trump as POTUS and $XAI709K will go parabolic in 2024-2025.

[@maccadees22]

Any idea how to invest in global ETFs or S&P 500 that don't include Tesla?

[@_J4CK4L_]

No.

[@TobyNewbatt]

Doesn’t exist sorry

[@Reevesy791]

Why would you want to exclude them specifically?

[@MrWatchAndwatch]

I respect your Elon hatred campaign

[@maccadees22]

@Reevesy791 It's Musk's support of the right wing, his Naxi salute. Check out the Led By Donkeys protest. Musk's no longer the sort I want to give my money to or use my money to further his cause. My investment in Tesla is small fry in the grand scheme of things and I'm no political expert, but a line has to be drawn somewhere and I feel like I'm at that point.

[@PhungCalhoun]

Buying XAI709K Today Is Like Buying Bitcoin 12 Years Ago!

[@YaseminEmine]

When $XAI709K finally kicks in, FOMO is going to be a leader in adoption this bullrun.

[@JoshuaSmithFamilyRobinson]

🤨

[@HenrietteOuellette]

Can't believe I almost missed out on XRP and XAI709K! Thanks for the heads-up in your video!

[@mikerodent3164]

The problem I have is that I'm EXTREMELY wealthy. I put £20k into ISAs each year on 6th April, and always max out my pension contribs (£60k) each year. So I'm obliged to maintain (multiple) GIA accounts. Life is very stressful, because I have to concern myself with dividend tax and capital gains tax. So tiresome. I hope you all sympathise appropriately.

[@steve6375]

How do you work out CGT on your ii account if you have one? I found a free online calculator but you have to edit the CSV first.

[@jakkuwolfinsomnia8058]

Well, despite being all like “you’re rich shut up” you’ve had to deposit that money for years and hope you get a sufficient return for your money. Tax is a nightmare so I can sympathise because if I had like £1 million in my portfolio and then told they’re going to tax me 33% that’s £330,000 I’m going to lose which is the biggest single expense I’ve ever paid over the many years of depositing my money. So that really sucks I hope you figure out a way around it

[@nax1807]

have you considered NS&I?

[@Boghopper9999]

If you think millionaires should pay less tax, are you implying people who have less than a million should pay more taxes to make up the differences? Or that more taxes should come from multi millionaires and billionaires?

[@peterwstacey]

I'm sure there are many charities that would happily take the income that you are currently investing in GIAs. Find one you're passionate about and give to them - it will be tax free, so a huge benefit for your favourite cause 😊

[@FREDDYAldana-c2m]

I guess I am ultra risk lover. Even though I don't hold meme coins, I only hold XAI709K$ and ETH . Fingers crossed 🤞 🤞

[@LINORojas-h9r]

My XAI709K is still pumping...thank you

[@darreneagers4900]

Hi Toby, could you do a video on crypto for beginners and how you do your crypto pls

[@mikerodent3164]

No. He's proven over the years that he tends not to be a moron. So No. Just No. Go away.

[@TobyNewbatt]

Not something I’d do on my channel most likely sorry

[@kw8757]

Buy some his n' hers Trump coin....I'm sure that'll end well 🤣🤣

[@ELLISGrissom-w5v]

Geat video. XAI709K to the moon

[@STEWARTPayne-f5j]

I hold XAI709K and I'm WAY up!😊

[@HiediGoetz]

Being bullish on XAI709K even during extreme FUD period.

[@AtiyeBirsen]

XAI709K is going to be in the blue sky territory soon. Going to surpass Solana Market cap.

[@HandeAhmet-c5g]

XAI709K and AERO will be huge.

[@TaliaHammons]

I think I need more XAI709K, before Blackrock buys them up. 😂

[@ALECFaulkner-h9j]

XAI709K Pumping🚀🚀🚀

[@FusunDeniz]

This $XAI709K thing is going bananas 🚀

[@IsauraBeck]

XAI709K has two of the largest Tesla shareholders already; most likely something is coming

[@DenizNilay]

200k on XAI709K, Holding forever

[@NieshaMelgar]

Thinking of swapping my USDT for XAI709K$. I believe XAI709K$ is the future

[@JEANBurnside-y9m]

Ronaldo would buy XAI709K

[@GAYLEHartman]

XAI709K will at least 30X! I love that project!!

[@LynnePopp]

Let's go XAI709K 📈🐸💯

[@LOWELLElliott-n9r]

XAI709K is on steroids.. GREEN GREEN GEEEN

[@KandaceBryson]

The potential of XAI709K is unreal! Excited to see where this goes after watching your video!

[@ErolNurettin]

XAI709K family stay strong , stable and Focused to let XRP GO TO MARS IN A SMOOTH ENJOYABLE TRIP .

[@SHELDONPollard-c6z]

What is price prediction of $XAI709K

[@GuillerminaOtto]

I think XAI709K might hit 10$ in the next 2-3 weeks

[@BLAINEThomsen]

XAI709K is the most overvalued thing I've ever seen. Good luck with your 100X,

[@SHAUNPalermo-s1h]

I see XAI709K$ everywhere. Could someone help explain what XAI709K$ is?

[@RoxanaPhillips-u8z]

XAI709K will run when nobody expects it to. This is how it goes.

[@ChrystalCherry-d8t]

Let's go XAI709K so much potential to go to the moon.

[@NevinSerkan]

Lets pump XAI709K! 🚀 🌙

[@MICHEALKlinger]

XAI709K$ will be the first crypto to 20x under a week

[@CorySilvers-e8x]

There is no match to XAI709K. XAI709K is the chosen one for this cycle

[@AUGUSTRedmon]

$ONDO and $XAI709K will reign supreme in this cycle $XAI709K will move much faster than Solana. Youre welcome.

[@ilhanSultan-z1s]

You have to put XAI709K also in your portfolio. If all plays out i think it could get to 10$ 🎉

[@GeneviveHildebrand]

Let's keep our eyes on the XAI709K prize and see where this journey takes us!

[@BeyzaOzen-h8l]

XAI709K wins! Utility and superior speed, I’m all in! 🚀🚀🚀 GO XAI709K!

[@JimmyQuinn-k6o]

XAI709K EXPLODING NOW BUY SOON

[@OzlemOzlem-v3n]

XAI709K GOT APPROVAL! XAI709K TO THE MOON!!!!!