ETF vs INDEX FUNDS 2025 | How To Invest Money In Stocks UK

[@TheHumblePenny]

★★ LINKS MENTIONED IN THE VIDEO ★★ (18:52) - Our BEGINNER Investing Course - 'Super Simple Investing': thehumblepenny.com/supersimpleinvesting

[@hermenpdarocha1146]

Please, I would like to know more about this subject???

[@TheCarlosgrau]

As a lifelong educator. I can see when somebody is a natural teacher. You are definitely that, and I've learned so much from your videos. Thanks!

[@TheHumblePenny]

Carlos, this means a lot to me 😊🙏🏾

[@TheSideburno]

I have searched for this answer for so long and this is by far the most indepth as well as being simple!! Thank you

[@TheHumblePenny]

Brilliant! 😀. Really good to read that it answered your questions.

[@zaraahmed9463]

This is my first EVER comment on KZbin as I thought it was worth it.. this is by far the most comprehensive explanation of this subject! Brilliant

[@FXCartel]

Which did you choose to go for

[@victorjohnson8870]

Yes you are right, the best explanation I have seen so far, thank you brother.

[@Djclippz]

Totally agree best clear explanation for a beginner. Thanks mate

[@nanakwasi9360]

"Dear Ken and Mary, I just had to reach out and express my gratitude for the incredible content you've been sharing on your platform. I stumbled upon your videos on KZbin about two weeks ago, and I've been absolutely hooked ever since. It's astonishing to me that I hadn't discovered you earlier, but I'm so glad I did. The knowledge and insights you provide, especially on investing, have been life-changing for me. I've always been hesitant and fearful about investing, but after watching your videos, I feel empowered and confident to take that step. I'm even planning to invest through Vanguard soon! Thank you for generously sharing all this valuable information for free. Your dedication to educating others is truly commendable. May God bless you both abundantly for your generosity and kindness. Oh, and I already have your book and I'm diving into it as we speak. Thank you once again for everything. Warm regards," Nana

[@TheHumblePenny]

We appreciate you, Nana :)

[@brownpunk1794]

you my man are a f@cking first class teacher..as someone who has a learning disability you are a breath of fresh air...I really like when things are actually explained, not just some idiot rattling off stats and figures. keep it up man

[@TheHumblePenny]

😊👊🏾

[@solangeedna]

Was googling this subject for about an hour before I came across this. Best explanation yet by far and appreciate that this really is aimed at beginner level too. Look forward to watching more of your videos. Thanks!

[@TheHumblePenny]

Thanks a lot, Colette 😀. Glad this really helped you

[@user-dl7qr7so5j]

Hello the best explanation on you tube about the actual differences & similarities between ETF's & Index Funds ! Searched high and low - simply explained and not rushed thankyou.

[@walatatobi]

Well explained for a beginner like me. Thank you

[@TheHumblePenny]

Glad it was helpful!

[@JamieJacobsVideography]

I know this is an old video but thank you for making it. It's exactly what I was looking for plus more! Precise and very clear to understand. I've subscribed and will be checking out your other videos for sure. I love the outtakes bit at the end. I totally feel your pain there haha. People don't realise how many takes you have to do to create a video like this. Keep up the great work!

[@TheHumblePenny]

😊❤❤

[@louiswachira7015]

Wow you’re the only channel that didn’t overcomplicate the concept thanks for the explanation😀👍🏻

[@TheHumblePenny]

You're most welcome :)

[@Andy-si1pl]

I saw a short you did and searched "difference between ETF and Index funds" as I have forgotten. Glad you have this video.

[@TheHumblePenny]

Fab! Please share with others

[@josephbickerton1506]

Very well explained and detailed......it's a very confusing topic and you broke it down brilliantly.

[@TheHumblePenny]

Much appreciated! 👊🏾

[@obas1163]

I 'm studying for my CFA Level 3 exams and can't but appreciate how really relatable you make these financial concepts understandable and provide guidance for action to the average Joe. Keep on!

[@TheHumblePenny]

Much appreciated, bro! I enjoy doing it 😀. Huge welldone for getting to Level 3! It will all be worth it

[@cyrilabahussein2955]

Your video is straight ... no cutting ... You lecture like a Proffessor

[@TheHumblePenny]

😊🙏🏽🙏🏽

[@richjohn11]

So we have a man who is an educated Cambridge graduate teaching us about Index funds and ETFs; sir I thank you and salute you

[@TheHumblePenny]

😊🙏🏾🙏🏾

[@Austin-hu3nr]

Ive found your videos really helpful...thanks alot

[@TheHumblePenny]

You're most welcome :). Do share them with others.

[@vivicaanuforo4754]

Thank you this was nicely and clearly explained.

[@TheHumblePenny]

You're welcome, Vivica :)

[@broccoleizucchini]

You just gave me a crystal clear explanation and differences of the two. Subscribed!

[@TheHumblePenny]

Amazing!! 😀

[@alhutchins8755]

I've watched and read lots, but was still left with bits of separate info that I didn't fully understand. This video joined the dots. Many thanks.

[@christines5430]

I have been looking for this information and this is way the best I have found. You explained it so clearly! Thank you!

[@TheHumblePenny]

Fantastic feedback! Thank you! 😊

[@jasonswife001]

same!

[@reginakapaya5007]

That was great, thank you. Best explanation & simplicity I have come across so far… God bless you for more videos like this:)

[@TheHumblePenny]

Really appreciate that! 😊🙏🏽

[@jasminescats]

Thank you so much for breaking this down! I'm so much clearer now. I've just found you, and love your content x

[@TheHumblePenny]

Yay!! You're welcome, Jasmine 😊. Please share with others.

[@jasminescats]

@@TheHumblePenny I will! Also absolutely love the out takes! the best

[@TheWellnessAbbey]

This video was so helpful. I've been trying to understand this on my own and have really struggled, so thank you.

[@TheHumblePenny]

😊🙏🏽. Please share with others

[@kandykane5844]

You are doing phenomenal work. I'm so glad I found this channel.

[@TheHumblePenny]

Thanks so much! :). Please share our channel with others too.

[@shaung5694]

Been watching a lot of videos on etfs and index funds, your way of explaining how it works is far much better . Feel more comfortable and confident after watching your vids . Great content 👍🏿

[@TheHumblePenny]

So good to hear, Shaun! 😊. Happy investing!

[@CyntoriaOfficial]

You are a great teacher, thank you for a clear and straightforward explanation.

[@TheHumblePenny]

Much appreciated 😊

[@samuelwesiah4207]

great lesson I have watched on Index fund an ETF. Welldone

[@pavkRN]

I was so confused what UCITS, distribution and accumulation means, but now I know. Thank you so much. You explained it well.

[@TheWalkingCameraChannel]

Brilliant video, well explained and made it nice and simple. Thank you so much! New subscriber!

[@TheHumblePenny]

Welcome 😉

[@honeyhahs]

Love your channel ! It’s the best Thankyou so much ❤️❤️

[@TheHumblePenny]

You're most welcome! 😊

[@mugfish0]

Thanks man you saying it without all the crap in a way Brits can actually follow BEFORE financial literacy! Subbed!

[@TheHumblePenny]

Hey Elliot, thanks a lot! 🙏🏽😊

[@shanebaker5425]

You have the most helpful and easily understandable videos iv'e come across. Took me a while reading books to get the hang of whats what and you've broken it down really well. Thank you

[@tonia5364]

The effort that must have gone into making this!! Thanks so much. Learnt so much! The Outtakes just made it even more epic! So funny!

[@emekaanosike1632]

Ken your videos have been educating me so much my wife and will be taking action. Bless you sir

[@TheHumblePenny]

Bless you, bro!

[@vireshpatil903]

Great content. Such an under rated channel.

[@TheHumblePenny]

😊🙏🏾🙏🏾

[@realdeal3262]

You are really good and understandable. 😊 Love the cuts at end.... 😂

[@TheHumblePenny]

Thank you 😊. Please share with others 🙏🏾

[@50Plus18]

What a great, very clear and simple yet in depth

[@TheHumblePenny]

Glad you think so much!

[@perrywilson7196]

Your views to subscribers ratio is the best I’ve ever seen Ken. Absolutely outstanding

[@TheHumblePenny]

Hey Perry, really appreciate your message 😀. Interesting metric! Tbh I've never thought about checking something like that (across the channel). Unless you mean for this specific video? Makes me wonder what it's like for other channels 🤔. Is this something you worked out simply by looking at the regular video views stats vs Subs? Or did you use a tool?

[@perrywilson7196]

@@TheHumblePenny Hi Ken, I don’t have many subs (1700), but I get around 1000 views and again ‘around’ 50 comments, and wanted to compare that with other larger sites engagement with their audience. I just used the human eye but some sites with 50,000 subs may only get 3000 views and 30 comments, so I was chuffed. I then checked yours and yours are epic compared to anyone else I’d seen. This could be the quality of the message or the sincerity of the messages, but could equally be the quality of the subs. In terms of monetisation, I’m guessing that an advertiser is paying for eyes on their message, so will prefer views as opposed to subs? Either way you’re doing very well. You’ll have to give me some of your secret sauce 😀

[@TheHumblePenny]

Haha interesting 😀. I guess because I haven't taken a close look at other channels that way, I haven't quite seen it like you have. I also didn't know you had a channel. Welldone for getting going :). 1700 subs is no small achievement! More than happy to talk about KZbin :). I actually did a workshop for KZbin UK this year on how to build community and connection on the platform.

[@perrywilson7196]

@The Humble penny what does that mean Ken?

[@adamdawson2525]

Fantastic video Ken! I’m new to all of this and you’ve explained everything superbly in all of the videos I’ve seen so far. 🙌🏼

[@TheHumblePenny]

Much appreciated, Adam :)

[@LynneSpeak]

You are such a great teacher thank you

[@TheHumblePenny]

Thank you 😊. Pls share with others

[@jackiea7965]

Thank you Ken for explaining this so simply, I now have a really good understanding of what this means

[@TheHumblePenny]

You're most welcome, Jackie! 😊

[@markburton9712]

Cracking video, ta mate! God bless.

[@TheHumblePenny]

Much appreciated, Mark! 😊🙏🏽

[@henryweaver905]

Another great video. Thanks very much! BTW, try not to tap the board with your pen, it’s really loud when listening with headphones. Save my eardrums. Ta!

[@ldn876]

Absolutely amazing video for a fresher. Save and watch at least twice!

[@TheHumblePenny]

😀👊🏾

[@brendanslein7159]

Having been in the investment business for many years I know how useful this information is. Petty more people don’t watch and learn from this well presented and clear explanation of some of the basic but very important tools of investing which everyone can you.

[@shodapad07]

Thank you Ken for this beautiful and very explanatory video. I learnt a lot. Thank you. God bless!

[@TheHumblePenny]

God bless 👊🏾

[@kapzvara5732]

Great video and really well explained. Thank you.

[@TheHumblePenny]

Thank you 😊

[@kevinregis7744]

I'm going to binge watch your channel all night :)

[@TheHumblePenny]

Priceless comment 😍

[@Slingsbys]

Congratulations for this piece of work. It's a brilliant explanation. Are you a teacher? Thank you.

[@TheHumblePenny]

You're welcome. I'm learning to become a teacher through these videos 😊

[@fooddweller]

You've earned my sub for this great and in depth video. Wow wow wow., the is outstanding. Many thanks

[@TheHumblePenny]

Thanks so much for subscribing 😀

[@LaraJoannaJarvis]

So many more swears on my outtakes 🤣🤣🤣 thanks for making this!! Just getting started and your videos are so interesting! Just set up a vanguard lifeStrategy 100 and now looking into individual shares so your videos are really helpful x

[@TheHumblePenny]

Hey Lara, I appreciate you stopping by! Good to hear you also have interesting outtakes, haha! I'll check them out :)

[@TheHumblePenny]

Hi Lara, I just had a thought after looking at your channel. It might be cool to do a collab on a particular money topic. Let me know what you think 😀

[@LaraJoannaJarvis]

@@TheHumblePenny That would be epic, my audience would love you and what you have to share, just like I do. My email is [e-mail] if it's easier chatting ideas over there :)

[@DeeOgunbiyi]

Great work again Ken! Having read around my take away is that index funds are more resilient but less liquid but I’m still trying to understand why that’s so significant. If there’s an index fund and ETF both tracking the FTSE, why would anyone go with the ETF over the index or vice-versa assuming a long-term (10 year plus) horizon? I feel that there’s something important for me to understand in this distinction but can’t quite grab what it is. Any clarity would be appreciated

[@nawal7721]

i am in the same boat about ETF VS Index Fund. Have you learned about it them now and figured which one to go for?

[@MrAug80]

Hello are ETFs and Index funds held within a Stocks & Shares ISA?? What way does it all work??

[@TheHumblePenny]

Yes. They're held in a Stocks and Shares ISA if you want it to be.

[@MrAug80]

@@TheHumblePenny I currently have my savings in Nutmegs Stocks and Shares ISA. I needed their help in picking Stocks for me.

[@roblaarakesyba1746]

Very well explained, thank you very much!

[@TheHumblePenny]

You're most welcome :)

[@marchbrt]

Great video. I'm taking notes so I can start investing. Also the outtakes were so funny 😅

[@TheHumblePenny]

Haha! That's Mary having fun with her editing 😆

[@shirleve]

It sounds like etf is a bit more complicated than index funds ? For a beginner that has not got too much tome to do research, do you think index fund may be a better place to start? Thanks

[@julietcarter]

Im new subbie, thanks a lot for all the infos. Im new to investing

[@TheHumblePenny]

You're most welcome here, Juliet 😊

[@radwahiz]

Thanks for the help, only video that helped me understand the difference- however can you please explain the difference between a unit trust fund and index fund and etc? How's unit trust fund different to these and is it a good option? thanks. Lool the bloopers made me smile! haha

[@moelocal]

truly appreciate this breakdown and explanation

[@TheHumblePenny]

You're most welcome 😊

[@dianekouadio8501]

WOW what a wonderful explanation! It makes more clear now as before I was soooooo confused. Thank you Ken however I still have a question do you recommend already made portfolio or DIY because there are a lot to choose from in vanguard index fund account and I won't know the meaning and whether it is beneficial for my needs

[@TheHumblePenny]

Hi Diane Thank you! At a minimum, begin with a ready made portfolio 😀. As you gain more confidence through learning, consider creating your own portfolio

[@dianekouadio8501]

@@TheHumblePenny thanx a lot Ken

[@behramkhan5671]

So is an index fund not traded then? I am confused when you say an ETF gives the ability to trade and that's the only difference between the two?

[@paulomoteso]

Awesome content with some great explanations for a beginner. Great job👌

[@anudivakaran2680]

How is Fidelity for index funds and ETFs?

[@triplea1407]

OMG... you made it so clear. Thanks for your great teaching skills 🙏🏾

[@casscass7764]

Hi Ken, thank you for posting this video. It has clarified a lot of complicated jargon! Whilst I understand the difference between index funds and ETFs, I'm not sure I understand what the 'point' of ETFs is? If they're similar but ETFs incur higher fees, why not just invest in index funds?

[@jonathanhollick6947]

They don't necessarily have higher fees. It depends on the platform you use. From my experience personally band professionally in the UK is that investment platforms will charge similar fees when buying into index funds or ETFs. Presently I have some in an S&P ETF and index fund. Both have annual fees of 0.06% but I had to pay a dealing fee to buy into both

[@Miznew]

Excellent channel. Great content 👍🏾 really enjoy the outtakes also! 😂

[@TheHumblePenny]

Thanks so much! We should add more 😀

[@bollywoodsreckoning3768]

Fantastic video. Would you mind explaining what is the FTSE Global All Cap Index Fund Accumulation? And what companies are in there? I've searched everywhere and cant seem to find an answer

[@NBLT4]

Awesome video, this has become my favourite KZbin page, question - where can you read in the paper work if the index own the funds they are trying to replicate? I have had a look at the documentation and could not figure this out, please help. Thanks in advance

[@ryanmason4827]

A bit confused.. why are they 'tracking the index' as apposed to just investing in the actual fund? E.g. if the s&p goes up like a stock your fund increases in value and vice versa if it decreases? If I buy a stock in Tesla it isn't 'tracked' against Tesla I would just own a small share in Tesla. So why are indexes tracked? Hope that makes sense! 😂

[@TheHumblePenny]

Hey Ryan, the index is a list that is created by a committee of experts. The index fund tracks it (i.e. mimics the composition) BUT does so by buying the actual physical holdings in the companies.

[@DavidEVogel]

Overall level of comments here is about the 10th grade. Readers please keep your expectations low.

[@RiceNinja93]

amazing! you're a very good teacher

[@TheHumblePenny]

Thank you, Martin! 😊. My school teachers would be proud :)

[@petertownsend2255]

Thanks so much for the information

[@TheHumblePenny]

👊🏾

[@AmitDaryanani]

Hi Ken, great video, many thanks. Can an ETF have the 'accumulator' feature like index funds can i.e. profits are reinvested instead of paid out? Thanks, Amit

[@BlessedPetrel]

Best explanation Ive seen by far. Exactly what Im looking for. Thank you & God bless.

[@TheHumblePenny]

Much appreciated, Elle Elle! 😀. God bless you too

[@calarthur]

So why do it matter if an ETF is traded? What difference does it make in reality?

[@Justme-tn2un]

Thank you so much, very well explained.

[@TheHumblePenny]

Much appreciated 😀

[@adetokunboadegboyega679]

you broke it down well ken.Thank you

[@TheHumblePenny]

Much appreciated, Adetokunbo! 😊

[@LolyOlolade1997]

Great lesson and explanation thank you!

[@Jordan-pj4iv]

Yet another very informative video, with an extremely useful summation! You can tell a lot of time and effort is put into producing the content, keep it up!

[@TheHumblePenny]

Much appreciated observations and comment, Jordan! 😀

[@michelourabah4594]

excellent great way of eexplaining thanks

[@sorochi996]

Thank you so much for this! Really easy to understand!

[@TheHumblePenny]

Much appreciated! :)

[@michellepeace4675]

Can you pls do an analysis of the best etfs & index funds available 2 UK investors. Thanks 4 the valuable content! Subbed 2 support d channel.

[@TheHumblePenny]

Good suggestion and thanks for the support, Michelle. A side by side comparison is good.

[@jaehus1971]

Hi Ken, thank you so much for your videos; really informative. Please can you do a video on the fee structure of Investment Trusts, ETF's and Unit Trusts ie where do the charges etc come out. Thank you

[@TheHumblePenny]

Noted, Jae! :)

[@williama-d6]

bloody good video now I understand why GoPro and Lloyds Bank is not listed in the Financial Times news paper

[@MistyyBrown]

Hi, can you do a more in depth video on how to research individual companies

[@TheHumblePenny]

We go that deep in FJA 😊. Step by step, etc: FinancialJoyAcademy.com It's a huge topic and difficult to cover on a KZbin video.

[@Northstar_004]

isnt it harder to sell an etf? where index funds are more guranteed when selling? is this correct?

[@articprouk2086]

Where can we go to our buy either of these? Is there an app ? Through our bank ? Etc

[@Intothemarket101]

Thank you so much for sharing this useful data! Greatly appreciated.

[@TheHumblePenny]

You're most welcome, Tin 😀

[@precioustalks7916]

How do I access the S&P 500 index fund from the UK ?

[@TheHumblePenny]

Various platforms such as Vanguard, Hargreaves Lansdown, Share Centre, etc.

[@myafrosheen]

Vanguard VUSA

[@sarahheydinger881]

Very clear explanation. Thank you so much.

[@TheHumblePenny]

Cheers, Sara!

[@maureenbennett809]

Great!😁

[@billo786]

Could you please help me what ETF to buy for SP500 from U.K for beginner

[@minesh3553]

Brilliant video

[@TheHumblePenny]

Thank you 😊

[@portiabilson5509]

Thank you for this detailed information

[@connorparr9787]

if i invested Vanguard S P 500 ETF, how would i be able to reinvest the dividends if the minimum deposit is £100 .. HELP

[@TheHumblePenny]

Hi Connor, the reinvestment is done for you automatically, depending on if you invest in an "accumulation fund"

[@danielsmithurst8220]

Great video. Thank you for the breakdown!

[@TheHumblePenny]

You're most welcome!

[@AishaPonders]

Would you recommend one over the other or do you think they're equal?

[@mpersard]

Great video Ken. Very well explained. I have started investing now thanks to your advice. 🙏👏

[@TheHumblePenny]

Awesome, Mr P!! 👏🏽👏🏽😊

[@iakid]

thank you you are awesome, seriously. so intelligent! do you know why vanguard's 500 is an ETF and fidelity's 500 is an index? or am i wrong? do you know if there will be fees if you buy a vanguard index through fidelity?

[@mayamam1118]

Hello Ken, Love your channel :) I wanted to ask if you recommend any apps for investing? Thank you

[@TheHumblePenny]

Hey Maya 👋🏾. Thank you 😊. Apps - we use Vanguard and Hargreaves Lansdown. Here is a referral link to Hargreaves: thehumblepenny.com/HLISA

[@carltondickson]

Subscribed, enjoyed the video

[@TheHumblePenny]

🙏🏽