How To Invest For Beginners (Starting in 2024)

This video is a step-by-step guide for investing for beginners taking you through everything you need to know about why you need to invest, what you can invest in, and how to get started investing in the stock market. This video also has some investing for UK beginners parts which apply to people in the UK with our tax-advantaged accounts but everything else applies wherever you are in the world. Investing for Beginners, How to Invest.
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Timestamps:
0:00 - Intro - Who is this video for?
0:35 - Why do you need to Invest your money?
2:12 - What things can we invest our money in - what are assets?
6:51 - What are Index Funds - Why are they so important?
13:49 - Choosing what to Invest in?
20:38 - How Much Money Should You Invest?
22:46 - When is the best time to start investing? Is now a good time to start investing?
25:02 - Can you lose money investing? What are the risks
28:33 - Before you Invest - Financial Check List
30:59 - How do you Invest? What apps or platforms do you use?
34:30 - What type of account should I use (UK Specific)
36:50 - What’s Next - where to next?

[@jossbogod3803]

If only every young person in the UK would watch this. Great video!

[@TobyNewbatt]

Thanks Joss that’s very kind!

[@abdulnoor2210]

@@TobyNewbatt We do appreciate your effort

[@mpat01]

My 18yr daughter is...and we've been talking about it. This video makes it all so clear...

[@ahsanhussain7078]

Starting an apprenticeship and live with parents

[@LuLuBeeBah]

I wish I started investing in my 30's. I only started at 48. Will teach all of this to my 13 year old, bookmarking your videos to share with her! Thank you so much for your fantastic advice, Toby!

[@abdulnoor2210]

One thing I found interesting about this video is that Toby hasn't used any complicated concepts like some other financial youtubers do which helped me greatly in grasping the guidance he gave throughout the video.. I FOUND THIS VERY VERY VERY BEGINNER-FRIENDLY.. ❤️❤️ we do value your effort and time ☺️

[@TobyNewbatt]

Thanks glad it was useful!

[@abdulrahman31350]

Great video. I started investing to protect protect my money from 2 things which were the biggest threat to it. 1) Inflation 2) myself.

[@TobyNewbatt]

I'm still trying to protect it from myself too! Haha. Thanks Henrare!

[@Carstvautos]

What do you invest in??

[@abdulrahman31350]

@@Carstvautos Vusa All amerian equity fund Global equity income fund Uk equity fund

[@satbhagrattee5018]

First person I have heard says …Think and Grow Rich is wishy washy. I had the same thought when I read it more than 30 years ago but never made a public comment until now. Spend less than you make and invest the some. Diversify and just keep putting it away. Not everybody needs to be a millionaire to retire. There are lots of professionals causing fear in people, thank you for the video. I like reading financial books too.

[@NomadNationUK]

You just made investing look muuuuuuch less intimidating than it actually is. Why we're never taught this when passing through the traditional educational system is insane.

[@Andygb78]

I don't think they want us to know that there's a way of making money through cunning and patience rather than hard work and effort at a young age.

[@dshipz764]

Toby , just wanted to say I've watched a couple of your videos and found them to be really informative. Well done !! I wish I'd started this or even been aware of this years ago. I'm the latter end of the scale for compounding ( mid 50's) but going to see if it's still worth doing. I think so. I will be telling my kids though and hopefully they get the best from it. Subscribed and going to binge through some more. Happy New Year !! :)

[@TobyNewbatt]

Thanks for the kind words, good luck and happy new year buddy!!!

[@aleccino]

Brilliant overview. I just invested my first £100 in the Vanguard World ETF using Trading 212 after researching and watching a load of videos like yours. Planning to invest a regular amount a month and leave it for 40 years. Exciting! I'm 27 now but wish I'd started years ago.

[@TobyNewbatt]

That’s awesome! Thanks for watching and good luck!!!

[@jennstacy2738]

You did an excellent job with this video. I've been watching a lot of videos lately to learn and you made the information easy to grasp.

[@user-mw2oe6xc7u]

I tell our young apprentices at work to watch this video , great explanation of investing, very clear information

[@TobyNewbatt]

I appreciate that!

[@asdfghjkl89741]

This is a really informative video and I really appreciate watching this before investing and makes it less daunting!

[@Dr.JubairsFinance]

The video we all wish we had. Looking forward to this racking up the views over time Toby!

[@TobyNewbatt]

Thanks buddy! Hope it helps a lot of people! 👍👍

[@RobWilliams-wv5cf]

Great video Toby! You managed to cover the basics of investing in such a clear and simple way. A great start for beginners and helping folks take that first step 👍

[@molex114]

Hello Toby, and thanks for the videos, So nice to find someone with good knowledge happy to share with no dog in the fight so as impartial and honest as you can get. You've got me inspired although a bit late to the game. I have a couple of dumd ass questions not sure if here's the right place but here goes. I'm 56 no mortgage with 10k to invest for ten to maybe 15 years, I'm pretty sure global index linked in an ISA is the way forward for me so my question is, you said I can have multiple accounts so is that multiple indexes in one ISA or do I need multiple ISA's. And do you have to do lump sum or regular payments or can you lump sum and then top up. Forgive if here's not the right place to ask. Anyway loving the vids off to watch more. Thaks for all the good info and myth busting

[@natashafurner7560]

Many thanks for the video - very easy to understand!

[@TobyNewbatt]

You are welcome!

[@ascott7844]

Genuinely one of the best videos on investing I’ve ever seen. Been looking for simple information on investing explained clearly like this for ages!

[@TobyNewbatt]

Thank you!

[@jordanstewart5192]

Very very well explained video, thank you!

[@TobyNewbatt]

Thanks Jordan!

[@arsenalfootballuk]

Another great Vid! Thanks 🙏

[@TobyNewbatt]

Thanks again!

[@coockiekat]

Thanks for this video. Sorry, I`m new and don`t really understand all this but is investing in REITs good? Could you make a video about REITs? Thanks

[@Bloody_alchemy]

Great vids like the simplicity I have been investing for a year in lifestrategy 80 with VG and have now refinance a BTL I want to dedicate a chunk of cash £20k into monthly installments (to dollar cost average) is this smart 🤓

[@EddieBOY73]

Very informative video and clearly explained.

[@TobyNewbatt]

Cheers V!

[@MrG.42]

Excellent video, well explained.

[@TobyNewbatt]

Glad you enjoyed it!

[@keefo8957]

Hi Toby, I used to do talks to school leavers on working in social care, you need to talks on personal finance, they would snap your hands off if you made an approach. Thanks for all the videos & insights this year. Good luck for 2023👍👍👍👍

[@TobyNewbatt]

Great suggestion Keefo! I might even pursue that I’ll have to see what’s local to me 👌😇😇😇

[@TheMrChugger]

I absolutely love your videos, thank you so much for making these!

[@TobyNewbatt]

Thanks for watching!

[@glowbellzteam7769]

Great video, thanks 😊

[@TobyNewbatt]

Thanks and merry Christmas!

[@dexterlee3612]

Honestly one of the most helpful videos out there, appreciate it so much

[@TobyNewbatt]

Thanks Dexter glad you found it useful!

[@markcampbell9356]

Really useful video. For some reason I’ve become perhaps over cautious over the years… (next birthday I officially become mid 50s at 54 🤪), but I now need to be sensible but take some action. I look forward to watching your other videos and content soon!

[@TobyNewbatt]

Thanks Mark! This investing business is all about finding what works for you so it’s never too late and good luck with the journey!

[@vwtdi19]

I love the quality of your videos! Please can you advise what camera you are using?

[@Mik01ist]

Is it better to invest lump sums or regularly in your view? Thank you

[@valerienewbatt9678]

Great video as always

[@TobyNewbatt]

Thank you!

[@robertburwood2600]

Hi very interesting. I only keep US stock in my SIPP, otherwise paying 15% tax or worse plus FX on dividends. The best US CEF's are closed to you due to not having KID. A Euro Con to make you buy Euro Funds.

[@louisa.w]

Hey there, new subscriber here! This is honestly exactly what I’ve been looking for - of all the beginners investing videos I’ve come across, this is by far the most thorough and well explained. Thank you so much for the effort you put into this, it’s amazing! Re: the specific asset heat map you show at 16:53. What do you search to get hold of this on Google, and how much do you personally use it to inform your investing choices? Thanks so much again, hugely appreciate your content!

[@TobyNewbatt]

Awesome! Thank you! Regarding the heat map that is from blackrock I think if you google that `Blackrock Asset heatmap'. All it reminds me of is that you need to stay diversified and past performance is not a great indicator!

[@ianashelford]

Great videos Toby - thanks for these, keep them going! I'm investing in Vanguard but looking to potentially venture into Trading 212 given your referreal link (and individual stocks, to dabble initially to see how it goes). Do you have an account/portfolio there? I couldn't see one of your portfolio updates on your channel?! Also are T212 fees/charges burried as I'm not easily finding them!!

[@TobyNewbatt]

Thanks Ian! I do have an account but it’s just a couple hundred quid to play around with maybe I’ll get round to an update at some point. In terms of fees check their website but there are no account fees, no commissions just a small FX fee to be aware of at the current point. 👍👍

[@whereisgabri3641]

Great informative video. People often don’t realise that whenever companies pay dividends, the stock price reduces. Not to mention the tax burden…

[@TobyNewbatt]

It still baffles me that this is misunderstood, and it's being repeated on youtube that dividend investing is some magical free money

[@andrewah15]

Great video. Extremely valuable information. Thanks for uploading and continue the great work. 👍🏾

[@TobyNewbatt]

Thank you! Will do!

[@The_Alpha_Channel]

Toby....With a split Cash Isa and a stocks and shares Isa, can you swop funds between the 2 of them as best fits the situation. Obviously not going over the £20k max for both of them. Thinking of transferring a fixed interest cash Isa to Vanguard. Plus in subsequent years from Yr 1 , can you still change your options in the split, and make stock changes? Your help really appreciated, and thank you.

[@user-hs6wb8tz5v]

Fantastic video, covers all grounds in depth that us beginners can actually digest. I appreciate your tips to look out for things that most creators don’t mention eg. FCA regulations and FSCS 👍

[@lawrencer25]

Fabulous video. Thanks for all the great video and all your hard work 😎 Have a merry Christmas 😎

[@TobyNewbatt]

Thanks Lawrence you too have a good one!

[@ellie-gracexo9735]

Total beginner here but thank you! Been watching a bunch of your videos and you really break things down and make things not seem so intimidating!

[@TobyNewbatt]

Thanks for watching and glad they’re helpful 👍👍👍. Happy new year!

[@ellie-gracexo9735]

@@TobyNewbatt Happy New Year! Just curious, as a beginner do you thing InvestEngine is one of the easiest/smoothest app to use?

[@markusmax8068]

thanks again toby, another great well made video, been watching a lot of investing videos and with your help and ideas i have took the plunge at 57 years young! 25k in a managed IE portfolio and 10k diy = going to leave it for at least 10 years when i am 67. i will look at T212 for shares, thanks again.

[@TobyNewbatt]

You’re very welcome Markus that’s fantastic news wishing you all the luck. I think I’ll be doing something very similar so watch this space over the next few weeks as I need to clean up my own investments!!

[@suttyotolvajfideszbanda5983]

Sorry what is "IE portfolio " ?

[@markusmax8068]

@@suttyotolvajfideszbanda5983 invest engine

[@clionn]

Been searching for a good video like this for so long, thank you Toby!

[@TobyNewbatt]

Glad it was helpful!

[@sophiethesloth]

I've heard index is best way to avoid high risk because you have shares in many pots ,if your in an index can you still get dividend payments from them

[@AshokKumar-2113]

Very good explanation good for everyone

[@TobyNewbatt]

Thanks Ashok!

[@AsherFranks]

Really helpful video. Im a complete beginner but keen to invest soon, In the research stages. One part that wasn't discussed.... for example, I live in the UK, if i invest into the vanguard S&P 500 stock over 20 years, when i pull that money out, do i lose any/pay any tax on this? Or is the amount in that investment, the exact amount i will get back?

[@TobyNewbatt]

Hi Asher, two things here to help you: 1. As long as you use a stocks and shares ISA there is no dividend or capital gains tax to pay when you sell. 2. If you sell all at once just bear in mind that the exchange rates at the time could have an impact, might be good, might be bad who knows! There's no 'tax' from the US side if thats what you were hinting at

[@richardmcgreary6368]

Thanks Toby😊 You just got yourself a new subscriber! Im brand new to investing - in fact, i haven't actually begun yet! There's just so luch to learn. But I have just opened a high interest savings account (Nationwide regular saver, 8%per year), and my plan is to spend the next 12 months learning all i can about investing while contributing £200 per month to the savings account. At the end of the year I'll have £2,550 saved and I'll know exactly what I want to do with it 😊❤

[@TobyNewbatt]

Welcome aboard!

[@mahessmit5252]

One of the best videos I have seen on investing in UK. So easy to follow. Amazing work

[@TobyNewbatt]

Thank you!!

[@jessicaknoll4700]

me too!

[@IamGio69]

I’m planning to retire early in 6 years time and would hopefully be mortgage free in 2 years time. Any suggestion on which investment option to consider please?

[@Jbatley1]

A good investment bet if anyone is interested is oil futures. The price of oil is at record lows right now almost. This is due to the sanctions on Russia. It’s a great time to invest because as soon as the war is over oil will jump back up to its normal price and then we can finally see the price at the pump drop (if the petrol stations and companies that produce petrol don’t get too greedy)

[@jayp7181]

Funny u mention the skyline of manchester, i wont mention the names of them nr salford/deansgate.. how many of those r actually sold? As I see many lower lvl ones still for sale by the developers and many many 1bed or 2beds r for sale that has tenants, but lowered price by 10k in the last couple of months..

[@alastairdickson5131]

Great video I live on less than I make and invest the rest wish I started 25 years ago.

[@TobyNewbatt]

Thanks buddy. Timeless advice that sounds simple but doing it is always more challenging when life gets in the way!

[@robertsoso7093]

Hi Toby, I just subscribed to your channel I learnt a lot from your channel about investing 🤝👍💪 thank you

[@TobyNewbatt]

Thanks Robert, welcome!

[@1292liam]

tobes - you should do a 'S&P 500 ETF vs Berkshire Hathaway' video study

[@GraysonGiles]

Hi Toby , I am 15 and looking to invest in a type of index fund like the s&p 500. Do you have any words of advice like the type of account which will be most beneficial etc.

[@TobyNewbatt]

Hey Grayson. You’d need to be 18 to open a stocks and shares isa but you could get one of your parents to open a junior isa for you? Which then becomes yours when you turn 18 (double check that but I’m pretty sure that last the case)

[@MegaBankjob]

Excellently put together for beginner’s toby buffett 😉. Really think Investing should be a part of school curriculum. Hope you have a great Christmas and new year, look forward to seeing you back in 2023.

[@TobyNewbatt]

Thatnks mate! We’re all still learning so always worth putting out the basics. Appreciate the support this year buddy and see you in many more vids for a big 2023!! Have a good one! 👍👍👍

[@jamesfriend1913]

Great video again. 67p for a pint of milik though? Luxury, it's 95p in my parish.

[@TobyNewbatt]

Thanks James! Better tell the ONS because apparently that’s what they reckon 😂

[@axeedwards]

I’m in the process of moving everything into an ISA. Should have done it years ago. Paid a lot of unnecessary tax in my self assessment when I moved to being self employed and drawing dividends from the company took me over the allowance. Should have opened an ISA from day one

[@TobyNewbatt]

Same with me Alex, I wish i'd known about them from day one!

[@user-em7pb1mt2y]

Hi Toby, really thorough video, thank you for sharing it! Do you think 4 years is a long enough time to expect some secent return on your savings?

[@TobyNewbatt]

It’s a good amount of time but nothing is guaranteed! Nobody can know! You will have decide how you play it

[@Norfolkpaul]

Great video 😊

[@TobyNewbatt]

Cheers bud and have a great Christmas!

[@Norfolkpaul]

@@TobyNewbatt have nice one 🎄🎄🎄

[@goldwhispers]

I love you videos they’re so helpful, but you’re a little bit younger than me and I’m a little bit late to the game, do you have any recommendations for a channel that focuses on over 50s or would you be willing to do a video on what you would recommend for over 50s?

[@TobyNewbatt]

Hey Vanessa, firstly I don't think you're late to the game at all. And in terms of other great channels there are ones out there which focus more on retirement and planning BUT the fundamentals of investing don't change, it just comes down to your own levels of risk and what you are prepared to deal with. See Pete Matthew's channel Meaningful Money, James Shack also covers a lot of good topics :)

[@christiankemp3626]

Finally someone that gives good honest advice. I’m currently just starting out in the trading world and this video has made it a lot clearer for me thank you.

[@TobyNewbatt]

Glad it was helpful!

[@christiankemp3626]

No thank you. there’s so many scammers out there that just want to take your money. I want to make money slowly but surely I will get there with helpful advice like you Thanks again 😃

[@rubylydiawallace2695]

Great video! So do we open an investment isa and then use that account details to buy funds? (Like using your debit card for a Tesco shop, any refunds go back onto the card used) Or does the account automatically do it for you? (Open and isa and leave it, just put more money in per month) When you get interest on investments, does this go back into your bank account or is it added onto the investment (compound investment)? Thanks!

[@TobyNewbatt]

Hi Ruby, so a stocks and shares ISA is just the type of account. Once you have that opened you can deposit cash into it and then with that cash you can choose your investments. When you say ‘interest’ from investments I presume you might mean dividends which can happen. You can reinvest those, or some investment funds automatically reinvest depending on their type. Worth having a look at some of my other vids thanks for watching! 👍

[@rubylydiawallace2695]

This makes sense, thank you!

[@josearmandovivero408]

Hi, thanks for your videos. I tried openning a Vanguard account but turns out I first need a bank account approved by Bank of England. Any suggestion on which one to get?

[@TobyNewbatt]

Loads to choose from, really anything from one of the big players as long as it’s fully regulated!

[@hats716]

Amazing video, Loving your channel. Absolute beginner, wanted to ask 3 things: 1. Do you do any 1:1 coaching? 1. Can we buy snp500 in uk or we have ftse 100 3. Stocks ISA has a 20k limit, what if I plan to invest more than 20k every year ?

[@TobyNewbatt]

Hi, yes I offer coaching, if you want to get hold of me find my email address from the 'about' section on my channel.

[@eugenes3660]

👍👍👍

[@OngoGablogian185]

Toby, do you know if it's fine for me to open an account with one of these apps and invest in, say, a global index fund as a non-UK resident? I'm a UK citizen but work abroad as non-res.

[@mpat01]

Love your videos...the UK version of Jaspreet Singh.

[@TobyNewbatt]

Thanks buddy!

[@mpat01]

@@TobyNewbatt Not a problem and you are a fab presenter! Wanted to know your view on platforms like Nutmeg or MoneyFarm? Do you have a video where you cover them too? Its either Vanguard or MoneyFarm so any tips or views would be very helpful. Thanks

[@love-be4ef]

Hi Toby thank you so much for the video, I will like to ask is it possible you operate a Cash ISA and a Stock and Shares ISA togetherness? I will be expecting your response. Thanks 😊

[@TobyNewbatt]

Hi, yes you can open and contribute to one of each kind of ISA. So you can have a Cash ISA, a Stocks and Shares ISA, a Lifetime ISA all at the same time and at the same OR different providers. thats up to you. But you can only contribute to one of them per tax year and the maximum limit across all of them is £20,000 hope that makes sense!

[@love-be4ef]

Thank you 😊 for this

[@TheChewyleaf]

@@TobyNewbatt Hi Toby, I've done a bit of research on this and it looks like you can contribute to multiple different ISAs in the same tax year, but you just can't exceed £20,000 total?

[@TobyNewbatt]

@@TheChewyleaf yes. But not the same kind of ISA. You cannot open two stocks and shares ISAs and put money into both in the same tax year. The rules are that the £20k limit is across all of the different accounts. E.g one tax year you could put £10k into a stocks and shares isa and £10k into a cash isa then that’s your limit used up.

[@TheChewyleaf]

thanks for clarifying! @@TobyNewbatt

[@angeloflam]

Apologies for commenting again, have just got through this video and am planning on using your link to set up a trading 212 account as Im only planning on investing on Index funds. This may sound really silly but I set up a stocks and shares Isa first, I then pay into this account how much I want to invest and the from their I buy into my chosen index fund? I feel I have a good understanding of things from your vids but now it’s set up process Im trying to get hy head around 😂

[@TobyNewbatt]

Hi! So yes if you open a stocks and shares isa account through my link, then you will deposit cash, and then with that money you can then invest in whatever you like 👍 I’ve also done some videos on some index funds you might like that are nice and easy with low costs. Good luck! Take your time and thank you

[@angeloflam]

There seem to be a fair few S&P 500’s on there…so confused 😂

[@eben5934]

@tobynewbatt, I new to the UK and interested to invest, Please guide me with the process,

[@TobyNewbatt]

This video is an entire beginners guide, watch it all the way through@@eben5934

[@iainivory4206]

I'm new to investing and looking to invest in some index funds, I'm a complete novice but want to invest in the S&P500 index fund but I'm hearing about the Russians and Chinese pulling out of using the dollar for their own currency? (May have misunderstood this) What would happen to the S&P500 if this were to happen?

[@TobyNewbatt]

Iain i don't worry about things like this and sensational news stories to decide on my investing strategy :)

[@mahyarb5463]

As a beginner, do you suggest starting investing using the apps like trading 212 or making an account on Vanguard website directly? Also would be good to make a video on opening a Vanguard account step by step. Cheers

[@TobyNewbatt]

Something like Trading 212 allows oyu to buy any kind of investment not just Vanguard funds. Could be a good place to start as its free and easy.

[@silverfoxoffical]

What really concerns me is ending up owing money on my investment, how to avoid ending up owing money on my shares or stocks?

[@TruthTeller00]

Hey Toby! Can you send me a link for your compound interest calculator? I'm trying to work out where depositing an initial £500, followed by £250 (+5%) per month for the next 30 years would leave me! Assuming 7% gain. Cheers!

[@TobyNewbatt]

Fill your boots: www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php

[@TruthTeller00]

@@TobyNewbatt Cheers mate, is 2.5%+ more realistic? The figures start looking silly from year 15 onwards 😅 And do you think even 6% growth is realistic for S&P 500? New subscriber by the way! 🍻

[@John-ds7li]

This probally sounds daft but when calculating over the long term there’s a lot of talk about compound interest. Stocks and shares don’t pay interest so is this 10% per year based on the value of your shares increasing 10% per year. If so how does that compound? It’s got my head in a bit of a spin trying to work it out 😅

[@TobyNewbatt]

I know it sounds mad John! But the compounding works based on the share price. Let’s say the stock market did do 10% a year on average. Share value at the first year would be £10, next year the value is £11 because the stock market is valued higher. And so on etc. now obviously the market is a lot more up and down than that but the point stands that as you build up a larger pot and the shares are worth more there is your compounding in action. Hope that helps, i know exactly what you mean though 😂

[@BenjaminIannotta]

Hi. Any Thoughts on creating a Video Crypto Index Funds? thanks

[@lukecrowe209]

Toby, what are your thoughts on the HL managed funds, set according to risk levels. I’m a new investor and this seems the most straight forward way, at least for now.

[@TobyNewbatt]

Hey Luke, I think HL are a solid, safe name with great service. But the managed funds are very pricey in my opinion, the total costs are around 1.3% if I'm not mistaken, and I think thats way too much.

[@stevesas632]

Thank you so much for such a clear & well presented knowledge. I really would like to Invest in Index Funds, but is there an ethical option regarding animal welfare? I'm a vegan, & it would go against my principles if I invested in a company that were connected to animal agriculture or animal testing.

[@TobyNewbatt]

Tough one that Steve there are ESG funds but I’m not sure they would screen for animal welfare I could be wrong good subject for another video

[@maxsteven2659]

Can you do more on the tax free uk isa and explaining how to do that Do I need to put money into the isa then invest?

[@TobyNewbatt]

an ISA is just the account type, once you have the money inside it, you can invest how you like :)

[@maxsteven2659]

So the process gos like this money into isa then money into stocks profits comes out tax free up to 20k ? Or can you just invest in stock and shares make 20k then start paying tax?

[@maxsteven2659]

Btw really like your attitude on keeping people safe

[@TobyNewbatt]

Nope start again :) £20k is the limit that you can PUT IN each tax year across all of your ISA accounts. For example, you can put £20k of NEW MONEY into a stocks and shares ISA. And that's the limit for the tax year and you have to wait until April 6th for it to reset. That £20k can then be invested however you like. There is NO LIMIT on how much it can grow to. It could end up being £1m if you picked some crazy stock. ANY GAINS or ANY DIVIDENDS are all tax free, there is no amount or limit. You can take money out whenever you like. @@maxsteven2659

[@maxsteven2659]

@@TobyNewbatt no freaking way that’s insane so you only pay tax on the money over 20 k you invest with ? So when it gets above 20k how dose that work haha if you don’t mind explaining

[@downatthetubestation]

Wow! I am sooooo glad I stumbled upon you, Tony! You break everything down and alleviate many of my concerns and fears. Green investing...what do you think? S&P 500 ESG Index? Thank you....

[@TobyNewbatt]

Thanks for the kind words. Personally I find ESG a bit meh…it doesn’t really address the key issues in my view so I’d stick to the regular S&P 500

[@downatthetubestation]

@@TobyNewbatt .....is there any ethical alternatives out there? Thank you, Toby...x

[@downatthetubestation]

@@TobyNewbatt @Toby Newbatt That's an interesting view.. Why do you not think that it addresses key issues? I am so new to this that I really would love to understand? Surely eliminating the less desirable and less green companies from an investment is better morally? I'd read that the ESG 500 had performed well comparatively?

[@downatthetubestation]

@@TobyNewbatt @Toby Newbatt That's an interesting view.. Why do you not think that it addresses key issues? I'd really like to know if there are ethical investing opportunities. Surely eliminating the less desirable and less green companies from an investment is better morally? I'd read that the ESG 500 had performed well comparatively?

[@TobyNewbatt]

@@downatthetubestation Vanguard do ESG funds, thats my best suggestion there!

[@nicubilac269]

Hello, i am new to investing, anyone have some premade plans? Or know a broker with good returns?

[@AzzieTheGamerr]

Dividend stocks. That's all ina say

[@TobyNewbatt]

Dividend stocks in an ISA 👌. Thanks a for th support mate

[@AzzieTheGamerr]

@@TobyNewbatt shit yes in an isa!!!!!!!!

[@TobyNewbatt]

@@AzzieTheGamerr 😁

[@stevojohn]

The best time to plant a tree was 20 years ago. The second best time is now.

[@TobyNewbatt]

100%

[@Carstvautos]

Nice

[@maxsteven2659]

❤ what got my likes and comments was you sed emergency fund please do this ppl

[@fridayekanem7456]

U need to have the stomach to invest because a time will come that u feel that if you don’t sell your stock Or shares,that your money is gone 😢

[@hellonearth-thehistoryofwa1270]

67p? HaBloodyHa, A pound more like.

[@hassanwaleed8820]

someone please help directing me to invest in S&P while I live in Iraq, but own a visa card - thanks for those who are contacting me :)

[@Nutberg20]

Buy BTC

[@livingart2576]

I come here for the no BS insights to investing. Too many financial KZbinrs are sell-outs and put their own finances far above the people they are claiming to be helping. Thanks Toby and all the best mate

[@TobyNewbatt]

Always grateful for the support thanks and have a great Christmas!

[@livingart2576]

@@TobyNewbatt you too bud.

[@shannonwatts4918]

Hey would I be able to contact you to get more information? Just to ask a good few questions even over FaceTime. I am 25yo looking to invest but as you know am scared to lose a lot