Here's How To Find The Cheapest Index Funds To Buy

[@bryanquinn86]

Hi. One important factor that you missed was that Lux funds have to pay 30% dividend withholding tax for US stocks compared to 15% for funds domiciles in the UK or Ireland. That eats up some of the return.

[@helder869]

Not anymore. However, japanese stocks only pay 10 withholding tax in the UK while they pay 15% in Ireland or Luxemburg. So a UK denominated fund may come ahead, as this amounts to 0.15% difference. If global funds are your jam, I recommend a look at "Fidelity Index World Fund P Accumulation"

[@silversurfer7223]

And that right there is the issue, are we getting a cheaper expense ratio and then unknowingly being stung for fees somewhere else or worst still, have the fund eventually close?

[@TobyNewbatt]

Can we confirm a source on the 15% witholding tax for Luxembourg - did this change recently? On the other comment yes - it's worth comparing a cheap fund and chart it against total returns to another one just to see if there is any major difference :)

[@Nova2Yung]

And there was one man who predicted this all along, Jack bogle. ‘All index funds are not created equal’

[@fredatlas4396]

​@@TobyNewbatt I think he was saying 30% dividend withholding tax for etfs domiciled in Luxembourg against 15% for etfs domiciled in Ireland. Apparently according to reliable sources UK investors should use etfs domiciled in Ireland and with good liquidity due to the bid ask spread, unlike most mutual index funds where the buy and sell price are the same

[@petefrancisful]

Vanguard FTSE global all cap here👋🏻. Happy to pay a slightly larger fee because my investment window is shorter due to starting late (although probably not as late as some). Being with vanguard also helps me go to sleep at night…

[@adamwestrip7422]

Vanguard FTSE global all cap here too. Only started investing this year and just turned 47. I tried the 212 app and found it to be a total mess. Not for me. Keep it simple and sleep like a baby

[@Banthah]

FYI You can build an equivalent set of funds manually with Vanguard, by purchasing the equivalent individual market ETFs eg S&P, APAC, Europe, Emerging Markets. Doesn’t take too long, you get the same diversity, the same Vanguard safety, and it costs about half as much. Just a thought. I have done exactly this with my wife’s portfolio, it came in at around 0.12% for the same markets as the 0.22% global ETF. And given Toby’s message in this video, it might well be worth looking into

[@fredatlas4396]

​@@adamwestrip7422 I'm just interested to know what exactly you didn't like about trading 212. I thought you could invest there without incurring any platform fees or trading costs with etfs and build your own portfolio with easy rebalancing option. So maybe possible to use 2orv3 etfs to achieve a well diversified portfolio with lower overall cost. Say for example Vanguard ftse all world etf and combine with a global bond index etf, Stirling Hedged to cut the currency fluctuation and maybe combine with ishares short term tips Hedged etf or ishares short term Stirling corporate bond etf. Plus can't you buy fractions of etfs and thus still set up a portfolio with smaller investment amounts. Please correct me if I'm wrong, was the platform experience difficult to use

[@fredatlas4396]

​@@Banthah Have you used trading 212. Is it easy to use, and are there any platform charges or dealing costs to buy and sell etfs. Also can you buy fractional shares of etfs on their platform

[@scoopet]

​@@Banthah yes, however you don't get the benefit of the ETF then unless you constantly manually rebalance to track the index.

[@DomS77]

Great video Toby! I have moved my ISA from Vanguard to InvestEngine, and moved from the all cap to FTSE developed world. Fees down from 0.37 with the platform fee to 0.12.

[@OLLZ1234]

This is why I went with Invest Engine.. no platform fees and it’s protected up to value of 85k I believe? When it get to that value or just above I’ll probably switch to the actual Vanguard platform

[@Duncan94]

@@OLLZ1234 Your cash will likely have FSCS protection but your investments don't no matter which platform you use.

[@andrews6228]

@@OLLZ1234 the 85k covers cash in your account only, not the investments. If II went bust you’re investments would likely be transferred to another broker but you certainly wouldn’t lose them. The 85k fca limit has no bearing on poorly performing investments.

[@marcwestby8343]

​@@OLLZ1234I had been making that assumption too. But the £85k FSCS is only for cash etc. I think Toby may have covered it at one point.

[@fredatlas4396]

​@@OLLZ1234 I set up a stocks & shares isa with investengine to save money and the flexibility, fractional shares and low minmums etc. But when I realised I couldn't just pay money into the account with my debit card when logged in and easily set up a monthly savings plan, I cancelled it. Other platforms I've used allow you to easily pay money in with a debit card. It's unfortunate as there appears to be loads of etfs available more than you'd ever need, plus no dealing costs & fractional shares and you can invest small amounts. I was planning a 3 or possibly 4 etf portfolio

[@ploppy193]

Personally I like the Vanguard S&P500 accumulation fund at 0.07% Glad they added the accumulation option.

[@IAmebAdger]

We're forgetting about tracking error and sampling. For example, some Vanguard funds perform slightly better occasionally than their underlying index due to the tracking error

[@TobyNewbatt]

Yes tracking error effects everyone and is a very interesting topic - however past performance of tracking error doesn't mean it will be good in the future :)

[@Joshkt87]

Don't forget the bid ask spread. Huge funds have razor thin spreads. FWRG for example is much larger than VWRL (currently)

[@TobyNewbatt]

Indeed great point this one as well!

[@geolykos]

What if a small index closes down? Doesn’t that add to the risk? Won’t you lose gains by having to transfer funds to a new one or even suffer losses if you’ve invested more than what you’re protected for?

[@TobyNewbatt]

you're not going to magically lose any gains but if a fund provider did close or an index were to disappear then a fund might be sold to another fund/ merged or you might get your cash back based on the value of the shares at any point. When you say what you are protected for I guess you are referring to the £85k FSCS protections but I did a video on this recently explaining why this is not relevant for investments in the way that most people think it is :)

[@Nova2Yung]

Team Vanguard because of the decades of sound history and i will live by jack bogles philosophy

[@The_Unintelligent_Speculator]

Wise.

[@davidjones4130]

You can adopt the philosophy with out buying the more expensive etfs . Agree with the experience part though .

[@kw8757]

"Buy the haystack and stop looking for the needle".👍

[@neilmcgarrity178]

Moved my pension to vanguard 2 years ago have had more growth at a fraction of the cost with peace of mind

[@Nova2Yung]

@@neilmcgarrity178 wise choice, the way jack bogle structured the company is revolutionary, we all call him a saint for a reason!, his book ‘the little book of common sense investing’ was most inspirational, i can sleep safe at night without having my funds on a gamified trading app without a long history!

[@mattsennett]

Another great video Toby 👍🏻 Damien Talks Money mentioned FWRG last year and once I looked into it I thought it a great way to get Global coverage while staying exposed in a big way to the USA tech sector. It's been a good move so far and I am sure will continue to be too.

[@dcphillips1991]

Amundi Prime Global UCITS ETF DR D PRIW is in GBX, so no need to buy the US version on Trading 212.

[@simonnewman4240]

Don’t their funds have transaction fees?

[@richardmoody3295]

Hi Toby what would be your opinion on the best overall dividend growth etf? Thanks

[@davidjones4130]

Thanks for the video. Something I've been looking at. Its worth mentioning that you can buy the amundi & a cheap em etf for a cheaper TER than vanguards .22% . combine amendi .05% & hmef .15% Also WE then get to decide the tilt of developed & em mix

[@TobyNewbatt]

I like this - and I did something similar in an older video - a developed fund + EM fund keeps things simple while allowing a little bit of flexibility if you want a tilt :)

[@davidjones4130]

@@TobyNewbatt yep! Exactly that

[@pauledmed592]

Only recently found your channel Toby, but I find it very enjoyable, ie content, style, clarity, relevance. Thank you

[@yevpt]

Yes Toby! Get the cheapest combo of ETFs. Indeed a global ETF cost goes up because of the emerging markets exposure. But getting that separately will lower the overall cost

[@valerienewbatt9678]

Very informative as always Toby.

[@andrewn7340]

FWRG is the cheapest ETF that tracks the FTSE All World Index but it's not the cheapest fund. The HSBC FTSE All World Fund (an OEIC) has an OCF of just 0.12%

[@TobyNewbatt]

Indeed, mutual funds can be found with some lower costs BUT you then have the cost of the platforms they are on which tend to be higher and that's not forgetting some of the other hidden costs that a mutual fund have like transaction costs that they do not have to disclose in the OCF :)

[@andrewn7340]

@@TobyNewbatt The OCF for both FWRG and the HSBC fund I mentioned exclude transaction costs. Presumably because they're unknowable ahead of time and not stable. In any case, the HSBC fund has been around since 2014, is 15x the size and invests in more of the underlying stocks. With an ETF you also take a hit on entry and exit with the spread That all said, you're right about broker charges. I use FWRG inside my Lifetime ISA with AJ Bell because they cap fees on ETFs. SIPP I'm Vanguard Global All Cap with II (no penalty for OEICs and maximum diversification for the long run) ISAs split between IWeb Vanguard GAC and InvestEngine (mostly iShares ETFs and MMFs). Total charges for iWeb £5/yr (one £16K trade)

[@mikew5274]

⁠@@andrewn7340TER on HSBC is about 0.14%… I’m with you, I bought it on iWeb, who I’ve been with for years, which has no platform charge and if and when I do top it up or need to withdraw, it’s £5 to do so. Being an older investor I’m in set and forget mode and my ISA is maxed out as I really don’t need or want more stock exposure unless a real bargain buying opportunity comes along.

[@fredatlas4396]

What are the charges on trading 212 for a stocks and shares isa with just efts . And can you buy fractional shares of etfs on their platform, invest smaller amounts like say £20 into an ETF with regular monthly investing for example

[@mvp_kryptonite]

Neat. Thanks for putting this together

[@ardeshirpashmi]

A video using Multiple comparisons without using Vanguard would be great. 👍

[@fredatlas4396]

As I understand it etfs don't need a buyer in order for a seller to get back their money. They don't work the same as open ended index funds. It's called redemption in kind. But etfs that are traded more, more liquid appear to have narrower bid, offer spreads. Which means much less difference between the buy & selling price. Of course for long term buy and hold investors this shouldn't matter much

[@razaraja6885]

always enjoy your video . on invesco all world fund which costs 0.15 i rather do vanguard 90 percent developed world and 10 percent emerging market and bring the price to 0.13 it works out even cheaper than invesco and you would have a bit more control.. just a thought

[@richardwall2330]

Yet again good work Toby 😊😊 Interesting point that has just come to me !!! I know that to compare costs over a long time horizon you have to have a starting point Yes we know the costs at takeup on a fund and we project forward over the typical 30yr investment period The "unknown "that we don't know is will there be an escalation in charges from at first a very competitive fund ??? Who's to know and would we perhaps get a better deal in the long-term with a more mid costed fund ?? Sadly my crystal ball is out of commission Keep up the great content Toby

[@patrickkelley4281]

Great video sir! Always a stark reminder that when you start dealing with larger numbers those small percentage start to also compound.

[@montyloads]

Some of the other differences between the funds are whether they were a full replication or swap based, sampling etc...pros and cons to them both but I much prefer full replication... something else to consider is the holdings inside each fund. For example the invesco FTSE all world index in the video priced at 0.15% cost has sampling and has 2387 holdings, The vanguard FTSE global all cap has a cost of 0.23% but is full replication and has 7118 holdings.

[@sandeepmann9399]

Where could we compare total returns for free. Including MER and dividend reinvested.

[@sg5127]

Vanguard and Blackrock (ishares) are also the largest so maybe the least likely to go under.- just a guess

[@Banthah]

Great perspective on the difference between a small % vs a very small %. Makes a bigger difference than you would think

[@sathim11]

Are we allowed to buy ETF listed in US market and get dividend? Thank you.

[@TobyNewbatt]

So if you are a UK investor and you want to use an ISA account you can only buy UCITS ETFs - basically they are ETFs that report and do their accounting to our standards. We can't invest in funds like VOO/ SPY inside our ISA accounts but do be warned there are CFD versions of these you can buy but again, you cannot buy this inside an ISA and I can't see any good reason a long term investor should be doing this outside an ISA. We have plenty of ETFs to choose from that are listed in the UK but invest all over the world :)

[@ardeshirpashmi]

Hi Toby, another great video. I am thinking of leaving Vanguard for my ISA sticks and shares as well as my SIPP and going to Invest Engine as not happy with the service and I believe the costs/fees are relatively competitive. Also I want to keep my Equity with the same provider as my pension for convenience. What do you think about that? I hope T212 introduce SIPP soon.

[@220dpk]

IE changes 0.15 pct for pension plus fund fee. so works out the same as with Vanguard unless using cheaper funds. I used VEVE and so it was same cost for both platforms. Gained nothing.

[@kw8757]

I'm thinking of branching out with my sticks and shares ISA too.😂

[@ardeshirpashmi]

@@kw8757 😂

[@Ratgibbon]

I buy the PRIW and pair it with an MSCI emerging market ETF, proportional to the market cap of emerging markets. The only thing is that (if I remembe right) in the Solactive index Poland is among the developed countries while in MSCI it's emerging, so I'm invested in that country twice. But as the Polish market is very tiny in both indecies it doesn't make much of a difference in my opinion. The weighted average AER of the two funds is a bit over 0.08%, so cheaper than any true global ETF out there that I'm aware of.

[@Mr_Stone1]

You may have overlooked the 0.04% annual transaction fee of PRIW that justetf leaves out of their TER. Total fixed cost is 0.09% pa, plus 0.1 to 0.2% bid spread when you buy or sell. Let's hope more people invest in it to decrease the bid spread. Otherwise I might switch to sppw, which is a lot bigger (lower spread) for 0.12% pa - but also close to the invesco all world offering...

[@Ratgibbon]

@@Mr_Stone1 Thanks for the info, I've got to admit I haven't check the bid/ask spread of PRIW.

[@F0ssil]

Hi Toby, I was looking at that Amundi fund (PRIW) to compare to the current fund that I have (also in trading 212) which is a Vanguard one (VWRP), and under the key information document the PRIW shows an entry/exit charge of 3% (the vanguard one states 0%), I know little about investing but can i assume that that means id i invest say £100 a month into PRIW it will charge me 3% of that 100 every time I invest and then if i ever sold that stock another 3%? Also there is a converstion charge of n/a does that mean they do not charge you for conver from USD to GBP?

[@ba5ilfawlty]

Legend Toby. As always really interesting topic, and bringing financial information and discussion to the masses :). Had been looking on invest engine and thinking if it's like buying Heinz baked beans or Tesco own brand. Thinking of starting a SIPP too, so great point on the compounding growth differences. Food for thought on liquidity as well. What resources do you use to determine the safety and growth of ETFs? And a video of the lowest TER ETFs would be great.

[@TobyNewbatt]

Safety and security is an interesting one - I think you have to look at how long an ETF has been going, the size of the fund and consider the brand of the company managing it. HOWEVER, even if a fund manager were to go bust, the assets inside still have their value as determined by the market. I guess if you are more risk adverse then its worth paying a bit more for the more established players :)

[@TomsPersonalFinance]

Great video, Toby. I too liked the look of Amundi Prime Global. The distributing version is traded in GBP (PRIW), but for some reason they only offer the accumulating version traded in USD (PRWU). The one problem with this ETF is that it is domiciled in Luxembourg so US stock dividends have 30% taken in withholding tax, rather than the 15% that is taken from US stock dividends for ETFs domiciled in Ireland. So i think the low TER is kind of counteracted by this, but still a solid option.

[@TomsPersonalFinance]

I'd be interested in the ETF video as well! Would be a nice little experiment. I made a model pie and got down to 0.08% using iShares ETFs on T212 😊

[@TobyNewbatt]

Ahh yes thats it isn't it - dividend witholding tax - and this is why the devil is always in the detail!!

[@generalgriffmeister7333]

Yes please on the ETF video

[@MattMarshallUK]

You said at the beginning there must be a catch, so what is it? Feels like the video needs a part 2 or link to another video you may have done already talking about platform fees, platform risk, or other benefits other providers may have.

[@TobyNewbatt]

The catch I was referring to was that the low priced 'global' funds didn't have emerging markets inside them :) - but you are correct that there are lots of other small details you can consider too. Such as spread, volume, tracking error and other hidden costs

[@MattMarshallUK]

@@TobyNewbatt OK fair enough. I feel the same way about emerging markets too. Relating it to my situation, I'm split across Vanguard and Invest Engine because the lower fees of the latter don't fully outweigh the perceived platform risk, which I can't judge because I don't know enough about it. Plus the Vanguard global fund has a lot more companies than the Invesco one, and has been going a lot longer.

[@ralphtaylor9968]

I decided to give the Invesco FTSE All-World UCITS ETF accumulating a punt, both Invest Engine and Trading 212 show the price in GBP with the base currency is in USD but the fund domicile is in Ireland so shows in EUR, that's confusing me. Would this adversely affect costs? I can't imagine it would be significant?

[@TobyNewbatt]

FWRG is a great fund - just check you are looking at that one listed on the London Stock Exchange. The base currency in USD makes no difference to you, as long a you are seeing your price in GBP.

[@aldente131]

Hi, Toby. Is the entry point (price) a factor to consider at all ? I'm looking at S&P500 funds and the price for one share is very different. I mean, for example, some funds cost less than 100$ (for share unit) and other funds cost more than 300$ for one share. Intuitively it seems that the cheaper fund represents a good deal. Like buying a stok at a low price. What's your personal opinion ? I know you are not a financial advisor, lol.

[@steve6375]

Comparing PRWU with SWDA (0.2% TER), SWDA seems to win (just) and it is a huge ETF. I guess currency rates may also play a part if drip feeding. Personally, I split my investments between index global, USA and Tech at the moment. I don't worry too much about the TER as long as

[@TobyNewbatt]

Indeed good to focus not just on costs alone :)

[@Sabhail_ar_Alba]

Just buy a global index fund, it doesn't matter which global index or whether the charges are slightly higher than another. I have Ishares, Vanguard and Amundi and they're all basically the same.

[@user-nt1mj6vz8l]

DO A video on LISA ISA UK and the Best Provider and compare it with Stocks and share ISA

[@DiveshPeddireddy]

@toby Newbatt please do it

[@jacobames8768]

Toby, I love your studio setup! How did you manage to include an outside window in your shot without absolutely ruining your lighting?!

[@TobyNewbatt]

I use an ND filter on my camera a set exposure using the window first using zebras. And then I’ll balance that with my key light. Also it’s part luck as it only works when the sun doesn’t move and it’s nice and overcast!

[@jacobames8768]

@@TobyNewbatt Thanks for the information! I'm working on my studio setup and this is really helpful.

[@mark_just_mark]

Would be good to see the ‘cheap’ fund so I can compare it to mine… I use some Vanguard though!!!

[@simonnewman4240]

Check the fact sheets for the amundi funds. They have transaction fees which make their TER not that great

[@TobyNewbatt]

They do not apply when bought via a broker 👍

[@iankurrathi]

Amundi Prime Global ETF (PRIW) has entry and exit charge of 3% each if I am reading its KIID correctly. If that’s the case then overall charge becomes 6.05%, that can’t be possible.

[@TobyNewbatt]

Those do not apply when you are buying them with a broker 👍👍. I checked this a while back those fees only apply to direct investors and there was also a minimum amount as well

[@Mr_Stone1]

I wish WEBG was available on T212, that would be the cheapest global etf. I'll stick to PRAW until then.

[@ewanpettman]

How about a video re the hidden costs that are often overlooked? e.g. dilution levy, withholding tax, the fund manager's transaction costs, bid-offer spread, tracking error, etc. No point saving 0.05% p.a. on the OCF if you lose an extra 0.1% on everything else

[@TobyNewbatt]

good suggestion Ewan, as you know there is always more detail to cover!

[@MrRoyck10]

S&P 500 keeps it short & simple (KISS) Warren Buffet will concur!

[@SirDPB86]

Anyone know of any good videos on the fx impact? Over a year investing in etoro and it doesnt feel like my investments are getting any bigger because of the exchange rates?

[@jtlondon]

your comment about adviser fees is valid if you invest in the same type of fund with the same charges as self-selection you looked at in this video. You're not taking into account adviser advice on achieving needs, tax-efficient withdrawal etc. It isnt a binary question on the use of advisers ('look at that extra 1-2% cost on top of the low-cost ETF!') You're in danger of simplifying and drawing people into self-investment decisions that could have negative as well as positive consequences There are good reasons for choosing an advisor and they arent only order takers/investment managers

[@TobyNewbatt]

There are certainly good advisors no doubt - and being tax efficient as well as taking care of someone else finances can have an enormous value. Point taken and well made. However, we do know that this industry is filled with practices that do not put investors first and are designed to suck as many fees as possible. You just have to look at whats happened with SJP to see that this has been the case. I do think the system needs a complete overhaul tbh - and people can help themselves a bit more by understanding the basics :)

[@chiport10prprecious74]

Yes, I look forward to that challenge for the lowest fee.

[@dduplis]

I am up for you taking on the challenge of a low cost multiple etf portfolio without using vanguard funds.

[@TobyNewbatt]

Bogle will hate me but it will be fun :P

[@lawrencer25]

❤ 100K subscriptions soon ❤❤❤

[@TobyNewbatt]

maybe in 2024 it would be nice!

[@lawrencer8673]

It seems that Passive index funds always beat the active funds ...so why buy any active funds at all?

[@TobyNewbatt]

This is one of life's great mysteries and I think the answer is a very long one. Ignorance, Greed, Marketing, Fast talking, High Potential returns (some people do well so everyone assumes they can too).

[@lawrencer8673]

@@TobyNewbatt Thanks Toby

[@markwilliams4312]

Is there a chance that some of the new smaller platforms could collapse?

[@TobyNewbatt]

Of course, there is always that risk but this wouldn't mean you would lose money with your investments. The value of any investment is based on the market, not the provider :). The industry is so highly regulated in the UK, I put platform risk very low down in my own considerations.

[@metro1361]

State Street S&P 500 (SPXL) ETF lowest TER of 0.03%

[@thomasewen6108]

Hi what’s your option of the Legal & Technology index fund. Its fee is 0.33 but the returns of 10 years have been massive. Thomas

[@TobyNewbatt]

1. It's a mutual fund - so only available on platforms with high fees - don't forget about that. All fees add up :) 2. It's pretty much the Nasdaq QQQ and past performance has been great. 3. I have no idea how it will perform in the future as those past returns don't matter! A global fund has all of the same stocks inside, you are just way more concentrated in a fund like that. It's totally up to you where you want to invest :)

[@zachbangkok]

An old dad (in Asia) looking to invest and learn together with my college-aged son on investment found your channel recently and subscribed after one video. Your selected topics and succinct explanations are the best.

[@Imanthi1]

Yes please do put up a video with the lowest fee portfolio

[@FirstMM]

It is worth bearing in mind that at 3% inflation the real value of 20k after 30 years is just over 8k, and at 2% inflation just over 11k. Still no reason to pay higher fee's if you don't need to, though.

[@clive-p9s]

Yes Toby , Lowest cost ETF , being passive and a good percentage return , and no extra fee as Vanguard will add next year please.

[@iain777uk]

I guess it also depends on one's age. Younger investors might be better off with a SP500 tracker? Older,possibly FTSE all world.

[@SkarrGaming]

I like the looks of FTSE Developed World ex-U.K. Equity Index Fund on Vanguard at 0.14%

[@TobyNewbatt]

Thats a decent fund and a good price me thinks - unless the UK suddenly performs amazingly well for the next few decades!

[@King_Law1]

Would be interesting to see how cheap you could build an all world fund using different ETFs

[@TobyNewbatt]

I reckon something around 0.10% but I'll give it a go!

[@johnristheanswer]

Ssshhhhh ! This is how Cathie makes all her money.

[@TobyNewbatt]

but...innovation... LOL

[@UndisturbedMonk]

Fund size and liquidity are more important than the annual fee a fund charges. A fund with $100 - 200m AUM is very small and the spread price would be naturally higher than a fund that has billions under management. Ranking the funds from cheapest to most expensive is a fools game, because the fund providers are trying to reel you in with the tempting lower fee at a first glance, the spread is the silent killer that will eat away your money. Also, avoid the L&G funds, they have the worst spreads of any provider because very few investors are actually selling their shares as most of the AUM of these L&G funds are in pensions, stick to Ishares for the most part.

[@TobyNewbatt]

Indeed liquidity is important no doubt about this at all. Just on your point about pension funds - they are also selling a lot too as people are in drawdown too, not everyone is a buyer :) - but point taken.

[@andysutton9780]

Toby, you should do a video on fees vs peace of mind, for me i don't mind paying slightly larger fees, imagine this, you have 200k in a unknown broker, for me i would struggle to sleep at night knowing that my money is in the hands of someone that could go out of business the next day.

[@TobyNewbatt]

I 100% agree that you shouldn't chase the lowest fees I've mentioned this before many many times.

[@Norfolkpaul]

Nice job on your video 😊

[@TobyNewbatt]

Thank you! 😁

[@mrlolmaster1019]

Praise Jesus Huang Praise Navidad excuse me while i Pray at my shrine dedicated to Navidad

[@ploppy193]

What?

[@TobyNewbatt]

Oh you mean pray to Nvidia LOL - a bit early to open the wine on a Sunday but fair enough

[@mrlolmaster1019]

@@TobyNewbatt Praise Navidad Praise Jesus Huang