Do This To Your ISA in 2025

[@Tony-tu7gq]

These videos are great advice for new investors and again sound advice from Chris, but I’d like to add especially to younger investors don’t get too obsessed with your financial future, make sure you live your life for today first, no one knows what the future holds. I work with a guy who has saved and invested all is life, he’s only had 1 holiday in the last 10 years, at 56 mortgage free with a big pension pot and a healthy bank account he could of retired 6 years ago, he told me recently he’s become that obsessed with saving and he fears his retirement and having to spend.

[@chrispalmer24]

So important Tony! I thought about making a video just about this

[@triggercky9928]

This makes absolute sense. Kind of felt the obsession myself. Became obsessed with saving. Need to live also

[@user-gb2dc3fm8v]

And sometimes it’s sad. I know we can’t predict death or health issue, but I also worked with a guy, very smart and worked hard, invested in the right places but never had a holiday, probably 2 in 12 years. He also became mortgage free at mid 50s. Good savings and pension but still kept going. At 58 I think he was just deciding to cut down on work but still carried on until 60. He took retirement but sadly just after 5 months we got news that he passed away from a stroke. Now I know that’s probably coincidence and can happen to anyone but sad thing was the poor chap never got to enjoy his savings or future! I still feel so sad for him as he was a nice guy but from this I’ve learnt, do save, do invest but have a balance in life. Enjoy the time as well and do travel or do things which u want to do later. Life we never know.

[@NM-hq1io]

@@chrispalmer24please do Chris!

[@richparnold]

@Tony-tu7gq Great point, I'm planning to retire in about 5 years time when I'm happy I could afford to live the lifestyle I want. However, I'm a little worried about adjusting from a saving to a spending style. I know it won't be an easy transition and could result in being over-conservative if I'm not careful.

[@iangreenstreet1407]

Trading 212 cash ISA is currently 4.9% and has been since early Dec

[@B0jangle5]

Slight correction. If you make an unauthorized withdrawal from the LISA, you lose MORE than the 25% bonus as it's 25% of the total amount. E.g 25% of £5000 is £1250. £1250 > £1000 government bonus.

[@chrispalmer24]

Thanks! I must have missed that in this one 😅

[@alastairford7145]

Came here to say this too - it's one of the most insidious pieces of legislation, essentially being a "maths trap" which seems designed to trap people into making poor decisions. I hope some future Government has the guts to adjust it to a straight in/out of the bonus (and associated growth). With the freezing of allowances and house price restrictions, the LISA needs an update.

[@SourceBorn]

Could you please publish a video for pensions, and also create another video for ISA and S&S investments based on a 20% earner (e.g £30k) and a 40% earner (e.g. £60k) to give two comparable illustrations, most applicable to new investors? Please and thank you.

[@chrispalmer24]

Thanks! I think I’ll definitely do the pension one. Have you seen my video “Get this right before you start investing”? I think that may give you the answers on the pensions in terms of illustrations

[@patrickkelley4281]

Always informative Chris! Thank you.

[@mustafagorkemkoksal]

Chris, I just wanna say that your videos are always insightful and packed with valuable advice. I really appreciate the clarity and depth of your explanations. Your genuine approach and honest guidance make all the difference. Keep up the fantastic work!

[@chrispalmer24]

Thanks Mustafa really appreciate it :)

[@TorvestaRS]

Who edits your videos? Really impressive

[@chrispalmer24]

Not as impressive as your pking skills! genuinely been watching you for years. I edit some, but my editor does a lot now. It takes a ton of work and a lot of input from me. There's a great discord called "Creative Paradise". It is a bit like finding a needle in a haystack, I'm currently looking for another. I struggle because they mostly edit gaming content, which may work out quite well for you if you're after someone.

[@TorvestaRS]

@@chrispalmer24 Lmao what a coincidence wow, thank you! Just discovered your channel and have been binge watching super helpful and easy to follow with the aesthetic visuals. I'll always edit my Runescape videos so I'm always looking for ways to improve. I have plans for a gaming channel in the future which I'll most likely have an editor for if things go well.

[@CraveThatCoin]

@@TorvestaRS Wow did not expect to see you here. Always been a huge fan. Nice to know you're paying attention to your finances

[@chrispalmer24]

@@TorvestaRS Wow, means a lot. That's really interesting to know it must take a lot of effort to do yours. I remember following one of your accounts builds once and you were like "quest, done, done, done" and I'm thinking holy.. that's about 3 hours of effort in 10 seconds 😆I had a rs youtube channel years ago, and I see the levels of effort/editing now and it's just stupid. I used to be a good pker on rsc, but there's just too much clicking for me now, wish I could be as good as you lol. Give me a shout if you need any help

[@TorvestaRS]

@@CraveThatCoin thank you and for sure, I find it very interesting too

[@magoo9066]

One reason I believe you may want to buy a global and a snp 500 is if you want MORE exposure to the USA. For example if your global fund is set at 60% US but you want it to be 70%. And as the snp 500 usually has much lower TER fees you can bring down your fees by doing so as well. It's similar to buying ETFs or funds and also doing a few individual stocks on the side. Often people have a global ETF but have another side pot invested with a few individual companies even though they already have them in their ETF's. Ultimately it comes back down to knowing what you're investing in and why and having a plan for how much exposure you want in any one country/industry/company.

[@DannysBrickfilms]

Very helpful video, thanks! I have vanguard LS80 but thinking of switching to Trading 212 due to fees. Would you recommend Invest Engine over Trading 212? Also, can you transfer a cash ISA to a stocks and shares ISA without affecting your annual allowance? For example, if i have a lump sum to invest but think the S&P is over priced at the moment, could I put it into a cash ISA, but transfer it to a stock and shares ISA if there is a correction in the S&P?

[@JamesBoyd-eu9sj]

I have been using trading 212 for years and I think it's a brilliant app. On their platform you can easily transfer funds from cash ISA to stocks ISA without it affecting the ISA usage. I'm not sure about other platforms though.

[@davem.4003]

I can't speak for IE but T212 certainly allows you to move funds between cash and S&S ISA without affecting your allowance. That is certainly the case within one tax year but I haven't tried it between different tax years.

[@Kenzag454]

Thank you, please do one for SIPP

[@halmcgoo6659]

Hey Chris! Great video as always 🤩 If I use my LISA to buy my first home before I'm 40, can I restart the LISA process for retirement or is it strictly one use only? i.e. House OR retirement. Thanks 🙏

[@chrispalmer24]

Yep you can! A lot of people don’t know this 😊

[@halmcgoo6659]

@@chrispalmer24 Unbelievable news!! 😱 Thanks as always mate.

[@adrianl5899]

For many (most?), a LISA cannot be considered a "no-brainer" given the negative interaction with pre-retirement benefits they have compared to other methods of investing/saving, such as pensions. Where that's unlikely to be an issue, they are a fantastic option to have.

[@WealthyChronicle]

I've been so disorganized with my investments, but this video finally got me to sit down and sort it out. Thanks for the motivation! 💪

[@alanhaddy7499]

nice one, thanks for infomation, any chance of a review of euro, eastern market funds

[@chrispalmer24]

How has your ISA performed this year?🙂

[@TheShad0wMan85]

Absolutely amazing thanks to Tesla, 130% up

[@waxonflaxon]

At 1:53 you mean 16k not 6k

[@stevegeek]

I’ve invested £98k in my ISA, and it’s now worth £105k after 5 years. Pretty rubbish I know, but it’s been a good learning exercise. I’ve made many mistakes. I recently moved my workplace pension into a SIPP and will not be making the mistakes made with my ISA, e.g. buying individual stocks and trendy thematic ETFs, buying high / selling low etc. you name it I’ve done it! 😅

[@Black-Circle]

@@stevegeek wtf you investing in? thats awful

[@chrispalmer24]

@@waxonflaxon You are right, i tried to correct it on the edit I should have added a *

[@the_islandstacker]

Looking at what you said about overlapped ETFs I have a world and S&P 500 fund, is there a good ETF that I can use as a UK investor that exclude the US?

[@chrispalmer24]

There's a few if you look for "EX UK" in the title, www.vanguardinvestor.co.uk/investments/vanguard-ftse-developed-world-ex-uk-equity-index-fund-gbp-acc/portfolio-data is one - but I keep some UK (only about 4%)

[@chrisstone4648]

@@chrispalmer24i think you mean ex USA 👍🏻

[@the_islandstacker]

@@chrispalmer24 thanks, I was looking for ex USA funds but looking on trading 212 and invest engine I can't find any that are GBP based. Is it easier to covert everything over to an all world ETF than try to create the world with city specific ones?

[@richardwhite1120]

I hold and continue to add to WLDS, EMSM and VMIG.

[@davem.4003]

Why not just reduce your S&P500 holding if you want to reduce your US exposure?

[@topbanana8343]

I have 100 pound for each of my Grandchildren and they have some savings and some premium bonds but not an ISA, shall I do that or something else? Any advice would be welcome as Ive no idea or understanding of shares or bonds. Thanks

[@danielprice6470]

Great video! What other global all world options do we have then to pair with the S&P500? 6:38

[@hp-je1cy]

Nice video I've got a bit of a basic question about doing VHVG/VFEM vs VWRP, can I please ask if you know what would happen if in say 20/30 years time India were to be classified as a developed market? In VWRP I'm thinking not much would happen as in the proportion of Indian companies and their values would go up over time, but with VHVG/VFEM im thinking VFEM would drop in value for the removal of Indian companies with VHVG increasing as a result, would that be wrong? Thanks

[@chrispalmer24]

That's a very interesting question. I would assume them would be classified as a "Developed Country" by then? Like you say moved in to VHVG.

[@hp-je1cy]

@@chrispalmer24 nice thanks for getting back appreciate it

[@richparnold]

Excellent video, one question. If you reinvest dividends does that reinvestment count as part of the £20k allowance?

[@chrispalmer24]

Nope it doesn't! Which is really good :) Ideally get a fund that does it for you.

[@3alanii]

i cant get my head around how "accumulation" works in a passive ETF compared to dividend payout. say you invest in invesco eqqq (tracking nasdaq-100), in an accumulation fund the dividend payouts are used to purchase more of the individual shares in the same proportion as the index. however i cant get my head around how that would benefit individual investors holding eqqq shares? its not as if we are being given additional eqqq shares and nor will this tracker "overtake" the nasdaq-100 actual index?

[@chrispalmer24]

Hmm. They automatically reinvest them for you vs pay out to your account. Is that what you mean? It’s best to let them do it, delays of reinvesting tend to produce underperformance in the long run

[@3alanii]

@@chrispalmer24 thanks for the reply. when you say they automatically reinvest them for you, do you mean my number of shares in that particular etf increase? i dont think thats the case for me personally. also what if the dividends arent sufficient to purchase more shares?

[@beresd]

What Chris said. They buy more of the chosen share so your fund allocation increases.

[@notknownguy]

Hmm thanks :) new investor in 2025. I was going to spam s&p500 for the year .. But ill check other etfs now.

[@alansingh9510]

Hello Chris, great video as always. Quick question - I max out my ISA allowance at the beginning of each year into a Stocks & Shares account. So my monthly investment contributions go into a Stocks & Shares investment account. Over the past year I’ve contributed 15k. It is now accumulated to 20k. When I move it to my Stock & Shares ISA account, is it subject to any capital gains tax? Many thanks

[@AmitSingh-dy2of]

Nice video mate! Loads of useful structured information. I would like to make one addition (if I may), if the user is a higher tax payer (earning above 52k p.a.) and needs investment for retirement, SIPP over LISA makes more sense for him (40% back in SIPP vs 25% in LISA).

[@Lenny-nr4yv]

Can you move between life strategy plans at anytime on invest engine?merry Xmas Chris and thanks for your hard work and info👍

[@adamallison8758]

Hi Chris! Thanks for this video! Alongside the ftse all world (VWRL), what would be another good ETF to invest in that will increase diversification by investing in non us stocks?

[@chrispalmer24]

Hey Adam, Ideally that's an all in one fund (although you probably want VWRP) you could switch to a two fund and save 0.9% in fees if you don't mind doing a little work (not much at all). But you could always up the emerging markets.

[@adamallison8758]

@@chrispalmer24 which one would I want for emerging markets? And would invest in the other two equally to save the 0.9%? :) and which two are these? In my case I very much want a set and forget sort of approach where I just pay buy each month or every few weeks in the long term and don’t worry too much about managing my portfolio :)

[@adamallison8758]

@@chrispalmer24 and oops! It is VWRP not vwrl

[@adamallison8758]

Also, is there any downside you can think of in investing in the two ETF’s that save on fees VS just continuing with the VWRP?

[@jabberwockytdi8901]

Could consider an equal weight global fund/etf. That reduces the US exposure as well.

[@tahirnaeem4203]

Hi Chris How do I get the investment calculator you mention in the video, I cannot find the link? Tahir

[@chrispalmer24]

Hey Tahir it’s part of the roadmap in the description 😊

[@luca6805]

What’s the best providers for LISAs and would you recommend a cash or S&S one?

[@halmcgoo6659]

Depends on the timeline of your goal i.e. buying a house. 3+ years I would say S&S, anything less I'd lean more towards a Cash LISA. Moneybox is a good provider that I would recommend!

[@halmcgoo6659]

And I believe Chris recommends Hargreaves Lansdown for LISAs so that's another option for you!

[@leighrobinson]

Stupid that the LISA can't be opened post 40 with just the penalty of the missed allowance; didn't realise it existed until I was 41... :/

[@alexbright7735]

What's wrong with using a SIPP? Unless you want to buy a house with the LISA?

[@davem.4003]

​​@@alexbright7735For a basic rate income tax payer, the LISA is preferable because there is no tax on withdrawal (for a first home, or from age 60), whereas SIPP income is taxed on 75% of the drawdown.

[@_Information_]

@@alexbright7735you can use it for retirement also. I used mine for my first house and now saving for retirement with it.

[@1995pearson]

@@alexbright7735 I believe the main advantage of the LISA if using it for withdrawal past 60, is the 25% government bonus. SIPP comes off earnings which can be useful if you’re a high earner and want to reduce tax burden.

[@markt8820]

Hi Chris, just read your end of year email and noticed you have over £85k with a couple of providers. Although its highly unlikely to happen, do you not think it's best to keep under the fscs protection limit? Thanks Mark

[@chrispalmer24]

Hi mate - I made a full video on this which should be super helpful: kzbin.info/www/bejne/oHLcdGB6nbiXZs0 :)

[@FootyAccaQueen]

Thanks Chris for another good video! What would you class as over concentration in US equity markets? My IE portfolio is 50%. Ps, The interest on T212 Cash Isa is currently 4.90%

[@VA57AVA]

I only wish you have a shorter format and condense than long 20 minutes one mate

[@_Information_]

8:30 Vanguard is spelt wrong

[@JTCSmith2305]

The amount of times I have to repeat a section of video cos I get so distracted by the beautiful cable management LEDs

[@efosaodiase501]

Is there a means to reach you?

[@chrispalmer24]

Yes - [e-mail] :)

[@coolmonkey619]

What can i do with my life i work 100 hours a week . Work eat sleep

[@BatsAndBadgers]

Please nobody rebalance unless you are aware you are selling gains and profits from one to buy more of an underperformer! You may be selling out all your gains on a dud if you didn't mean to. Please double-check your research before you do it

[@TheShad0wMan85]

5.12% when did you film this 😂

[@GamingtTeeVee]

Last month probably

[@SourceBorn]

😂 it dropped to 4.9% a few weeks ago

[@chrispalmer24]

Not long ago, takes a few weeks to edit get through compliance, it’s only recently dropped 😂

[@PaulB-q3d]

@@chrispalmer24 Sack the editor, you said 6k when you meant 16k then 10 seconds later said 5.2% and displayed a still picture, circling 5.17%. Still good content, thanks for making! :)

[@edwardaustin6410]

@@chrispalmer24in fairness it wasn’t that recently. You could easily have put updated text on the screen. Also I understand interest will be paid monthly from January.

[@_Information_]

Global fund and individual stocks have massively outperformed the S&P500 for me. Everything’s unbalanced but it’s worked really well so far so will stick with my current approach.

[@odylan8638]

I'm Currently a new invest with vanguard investing into the VAFTGAG but after the recent £4 a month fee what options does this leave me?

[@Black-Circle]

i switched mine to invest engine sipp mate. vanguard are a joke.

[@odylan8638]

@@Black-Circle@ I agree but how can I do that when my ftse global all cap isn't on invest engine

[@chrispalmer24]

I would go for a world fund on IE instead personally :) VWRP/Invesco All World if you want all in one, or look at my 2 fund strategy one for less fees.

[@L-v6g]

​@chrispalmer24 VAFTGAG covers small caps and VWRP doesn't. Can you create an alternative away from vanguard that covers small medium and large cap if so, what is the recommendation?

[@odylan8638]

@@chrispalmer24that's great thank you but I'm not sure how I can transfer my investment without selling it and paying capital gains tax

[@davecoly8007]

Crap lol Edit-my portfolio I mean!

[@chrispalmer24]

What’s been bad about it? The markets had a pretty nice year

[@TurgayAdnan-h5e]

Why are you convinced that it is impossible? Are you familiar with the INFTY3 Token? The cost of this will increase dramatically.

[@andriusstanaitis8854]

Re-balancing of a portfolio just for sake of having nice round numbers is bad idea mate.

[@azzual1]

All in on Tesla 😅

[@richardwhite1120]

All in on Tesla, Bitcoin and Banana futures 😂

[@CraveThatCoin]

25% "bonus" is not good enough to counter inflation.

[@chrispalmer24]

Why not?

[@Baldnesz]

Arrogant nonsense on what investments to hold. Tax advice fairly sound if I am wrong show how you calculated risk = probability

[@KristineSquires]

INFTY3 Token is INFTY3 Token.

[@JackelynFallon]

I'm bullish on INFTY3 Token. The market looks to be responding nicely.

[@ErnestinaLarios-j1n]

INFTY3 Token: where AI and crypto meet success!

[@MustafaSeref-n5i]

INFTY3 Token has unstoppable potential! 🌍💣