Investing Strategies For Beginners to Advanced

In my video investing strategies for beginners to advanced, I examine four proven investing strategies, each one suitable for a different level of investing experience.
You wouldn't try and fly a commercial airliner after just one flying lesson, well the same applies to investing in the stock market. In this video, I will explain how you can start off simply with just one fund and then build up to something more advanced with complex asset allocation.
Sign up to our free weekly market roundup to get news and views about what's going on in the stock market and wider economy pensioncraft.com/market-roundup/
Link to DIY Asset Allocation Course is here pensioncraft.com/register/diy...
How to Build a Two Fund Portfolio KZbin video here • How To Build A Two Fun...
Why not join our membership on Patreon where you can learn via our Slack chat forum, take part in our regular members-only live Q&A webinars and gain access to a library of exclusive videos and resources. To find out more about this click here / pensioncraft
We rely on your support to keep producing free content via KZbin. Please help us to remain independent and producing new content by supporting us on KZbin kzbin.info...
This is what else PensionCraft Offers:
- Book a Power Hour with Ramin so he can answer your questions in a one-to-one coaching session via a video call: pensioncraft.com/register/pow...
- Understand investment in more depth with my online courses pensioncraft.com/courses-we-o...
Recommended PensionCraft KZbin Playlists
- There are many different types of investment strategies. In this playlist we look at a number of these so that you decide what is right for you. • Investment Strategies
- Bewildered by investment? Start with this playlist • Investing for Beginners
- Building blocks for your portfolio • Portfolio Building Blocks
If you like our content and want us to continue to produce it, you can support us with a one-off payment here paypal.me/pensioncraft
#InvestingStrategies #StockMarket #PensionCraft

[@Pensioncraft]

We rely on your support to be able to make these videos. To see the benefits of supporting us and becoming part of our community click here: patreon.com/pensioncraft

[@Pensioncraft]

Hi @@Jay-xr3sb yes I do intend to hold bonds (and they make up 80% of my portfolio!). Thanks, Ramin.

[@antonmursid2714]

Antonmursid🙏🙏🙏🙏🙏💞💝

[@ericmez1094]

Amazing how this video has under 10000 views where as the previous video has almost 100000. Human nature. I respect the fact that even in all this chaos you remain even keeled. Good job being you

[@Andrew-dp5kf]

Again, excellent well conveyed information. I’m using the Core/Satellite model by the looks of it, by instinct.

[@rikkiola]

Love these videos, thank you. Do you have any opinions (or videos) regarding funds vs trusts and the pros/cons of each? Do you typically favour funds?

[@marcosking8]

excellent video! Thank you

[@Pensioncraft]

Hi Chuck Norros, i'm glad you liked it! Thanks Ramin

[@GeorgetheArchitect]

Great content!

[@Pensioncraft]

Thank you

[@tricksandtracks906]

Great content! Would it be advisable to have a stable 'core' in the form of a multi-asset such as LifeStrategy, then riskier 'satellites' in a separate portfolio?

[@theboltonradiocorp]

Hi Ramin, I'm new to investing and love your videos. In this video you mention you have just three funds in the core of your portfolio - do you have a video in which you go into what funds these are, and what percentage you allocate to each?

[@helenharrison8916]

Great video. We all strive for financial independence and better life. It’s not difficult in achieving this through the right investment, living frugally, and budgeting. I’m glad I learned early in life to work hard for financial freedom

[@helenharrison8916]

@Mary Shea sincerely, I’m truly inspired by your words. I’m very interested in investing and I have got a good sum of money which I’m ready to put in with the right information. My biggest fear is losing my money on the wrong investment. For this reason, I’m willing to listen to your suggestions and ideas on how to invest wisely.

[@berkayguner]

@10:18 Ramin advises here investing in OCP (Omni Consumer Products), which produces ED-209's 🤔. As I remember ED-209's had a glitch, and stock price might take a dive unless they have rectified the glitch yet 😄👍

[@gerry2345]

I like this reply.. Good insight.

[@Pensioncraft]

Thank you GerrysPlace

[@91priyam]

Is the 3 funds you personally use something you share with your Patreons? Would love to know what they are and do my own research on them. Thanks!

[@georgeagan]

Great video Ramin. 100% on core and satellite investing. The majority in a cheap, well diversified fund and just follow the theory. Then smaller amounts to stay engaged (if you enjoy it) and take a view as you see fit. Really good work with these videos. On youtube we need more of this type of educational content and less of "why I'm buying airline stocks and crypto"

[@Pensioncraft]

Hi georgeagan that's right there doesn't seem to be any discussion of risk, just speculation about lottery ticket securities. Thanks, Ramin.

[@apacheattackhelicopter8185]

Great video, it's like a breath of fresh air after some KZbinrs telling their viewers to reverse mortgage their home to buy X stock.

[@Pensioncraft]

Thank you - I am glad you found it useful Apache Attack Helicopter

[@musaabsi]

this is Gold.

[@stupossibleify]

With present inflation risks, aren't both equities AND bonds susceptible to losses in the near term (3-5 year horizon)?

[@brightnbreezyfelix1003]

Another super helpful video 🙂

[@Pensioncraft]

Thank you

[@anoshya]

Would it be best to invest in something like a Vanguard tracker or go with an Investment Manager and pay fees?

[@tomquinn9765]

It depends - if you want someone to take the burden of responsibility off your shoulders, go for it. However, you'll be paying a lot (and losing future value) through fees. Setting up an ISA with Vanguard is simple, and pick one fund you can set and forget, like lifestrategy or target retirement, which fits your risk profile and investment horizons.

[@Mouxbar]

Hi Ramin, Another great video, many thanks. Do you plan to have a look at UK investment trusts at all? Many seem to generate good alpha against their benchmarks, have some dividend protection and costs are not extreme (for the more well known funds at least). I'd be interested on your overview of the sector.

[@simplydividends]

Hi Ramin, wonder if you could help answer a question I have. If I had an investment account (not an ISA) and I receive dividends periodically, if I chose to re invest these dividend payments without withdrawing them into my personal account (keep them in my investment account), would I still have to count this towards my dividend income each year? Many thanks

[@desida50]

If you have Invest account, not in ISA, you will not pay any taxes on dividends, when they are less than £2000 per year. But if you take money out, you will have to pay taxes on this money.

[@ianbaker2599]

Ramin, I'd just like to say that this really is some of the best educational content on you tube. Superb work.

[@Pensioncraft]

Hi Ian, thank you very much! Ramin

[@dividendinvestorpathtofree1638]

I like building my boring core circle, building a very strong foundation. I will be expanding my GOV AND CORP bonds want to have 70% stocks and 30% bonds

[@jasonpurdy3568]

You mention thematic investing as a satellite fund e.g. investing in a certain theme that you feel may play out in future. Would buying into a fund that tracks industries that had large falls during the covid crisis be an example of this? e.g. buying into an index fund or etf tracking oil companies because their shares dropped due to covid 19 as a result of decreased demand for oil. However over the long term I expect oil prices to increase and thus share values to also increase as the world starts to require more oil as more people start travelling again after covid 19 I remember your video where you mentioned the 2008 crisis. The industries that had the largest decline at start of a crisis, had the largest gains during the recovery e.g. the financial industry in 2008 Therefore I was thinking of having a small satellite fund which buys into industries when no one wants them but I believe will rebound in the long term as a means of buying into an industries future earnings on the cheap e.g. oil during the 2020 crisis Does this make sense or have you done videos on this type of concept?

[@1001ewaste]

General strategy is to actually start putting money away after non-mortgage debts have been cleared. So many people either can't afford or don't want to make the commitment. Personally to keep me involved I do have a collection of individual shares. Usually bought in chunks when I've time to take a more detailed look. The vast majority however is sitting in VLS100 and Global Small Cap.

[@Pensioncraft]

Hi e1001ewaste I agree that if you're loaded up with debt where you're paying a high rate it makes sense to pay that off before you invest. But you can do both at the same time, and some people do choose to do that. I guess your strategy is a bit core-satellite with LS100 and small caps as the core and your stocks as the satellite? Thanks, Ramin

[@Pensioncraft]

Hi @Jeff Jeff this is the subject of one of our member-only videos called "Combining Factor Funds" www.patreon.com/posts/39346965 but small-cap growth has done a lot better than small-cap value year-to-date and over the period from 2004-2020. Thanks, Ramin.

[@conorm2524]

Is ED-209 an advisor? "You have 10 seconds to buy."

[@willcheung7041]

How big is your investment scale and the yield ?

[@PhillyG100]

Superb as always. Thanks

[@Pensioncraft]

So nice of you PhillyG100

[@atulp3360]

Ramin - Thank you for another VERY insightful video. Do love your recommendation of a simple fund (a-la-John Bogle!)! Another great piece of work, as per your other videos. You are my first KZbinr that I've decided to support, as a result, taking you up on the Patreon subscription. Look forward to learning more and the community there (as well as here!). Keep these coming!

[@Pensioncraft]

Hi A KP Thank you so much that is appreciated and I look forward to seeing you inside out community.

[@daydreamer4196]

gold info, thank you ! !

[@Pensioncraft]

Glad it was helpful Day Dreamer

[@chrisredfearn6625]

Hi, How much are Vanguard paying you for recommending their funds ?, what lead you to recommending Vanguard funds as opposed to other low cost oeic's ?

[@Pensioncraft]

Hi Chris Vanguard pays me nothing. I'm funded primarily by my community via Patreon and KZbin which is probably a good thing as it allows me to be more objective. But if you watch more of my videos you'll see I discuss funds from many providers. It just happens to be the case that Vanguard has some of the lowest cost multiasset funds. I did a side-by-side comparison with MyMap pensioncraft.com/blackrock-mymap-vs-vanguard-lifestrategy and a video comparing lots of multi-asset funds kzbin.info/www/bejne/p3vFq3ebjZtjaqM Thanks, Ramin.

[@alainstoll00]

Hi Ramin, could you recommend a 1-stop ETF in USD? (for each strategy, 80/20, 60/40, 80/20), as Vanguard doesn't seem to offer any. Blackrock has some, but their expense ratio is very high. Thanks in advance!

[@HamiltonRb]

Not sure if it is available in the States but in Canada vgro os 80/20 and vbal is 60/40

[@annajamie8885]

Investing as a beginner has caused me so much, I wonder how those great traders fared when they started.

[@ashleyharper5540]

Trading on your own as a newbie can be quite stressful and discouraging I was once in this phase.

[@katherinebradley5215]

Trading is the best thing i have ever learned in my life to me it's a lifestyle. I implore everyone who cares to listen to take forex trading not just as a means of making money but as a lifestyle, understand the global economy and how it could affect your life and in no time you will be making huge profits.

[@joelmills4951]

I'm thinking of an investment plan after retirement a friend of mine introduced me to forex but I'm being skeptical about it.

[@ashlynnlauren1506]

Knowledge of the trade is a fundamental aspect but it's importance can't be compared to the technical aspect of trading which holds the true key to understanding the market and making a living out of it.

[@baileymadison1625]

Trading is easier when you have the knowledge and expertise I tried doing it on my own but ended up blowing up my account. I'll advise you to get the guidance of an expert trader that knows how to handle the trades.

[@LamboLapdog]

🤯

[@NZAnimeManga]

US funds' expense ratios are so low - much lower than UK's - I'm guessing because their funds are so much bigger in terms of total assets under management?

[@Pensioncraft]

Hi NZAnimeManga that's right, also US investors are more price-sensitive. I think that's changing slowly though. Thanks, Ramin.

[@antonmursid2714]

Antonmursid🙏🙏🙏🙏🙏💞💝

[@gerrykelly-zk6lf]

It always seems to be a Vanguard product coming out on top.

[@1001ewaste]

They have good products that are generally the easiest option for the average punter to understand and can be 'bought' direct. Other funds can be cheaper or 'better' but then the novice is hit with what platform to go for and questions like am I better with an ETF etc due to charges. Sure there may be some 'bias' because Ramin personally uses Vanguard 🤷‍♂️

[@Pensioncraft]

Hi gerry2828 for multi-asset funds LifeStrategy has several competitors, I've reviewed the alternatives a couple of times e.g. iShares mymap pensioncraft.com/blackrock-mymap-vs-vanguard-lifestrategy/ and "Best Multiasset Funds" kzbin.info/www/bejne/p3vFq3ebjZtjaqM Thanks, Ramin.

[@HamiltonRb]

1001ewaste I ran a graph of 3 different 60/40 and 80/20 with Vanguard, I shares and BMO and they were almost identical in performance and cost

[@GavinLawrence747]

I started investing in single shares in 2013, could do no wrong at that time. HATED my job at a large US debt collection firm. Couple that with a desire to make more money, broke the rule of investing only in high quality companies. Bought Blinx, no stop loss allowed, not allowed to check phone or computer at work due to compliance/data protection rules and remember walking out at lunchtime and seeing -40% drop in Blinx. Was rather glad I learned this lesson in my youth. It cost me £400.00 but in a way it woke me up to how dangerous investing in single shares can be. I ended up selling some of my computers and possessions to cover the loss to teach myself NOT to do it again!

[@barnstar2077]

I learnt a similar lesson about gambling when I was a young man, best money I ever spent. I have been committed to hard work and solid investing ever since. Slow and steady wins the race!

[@CaseyBurnsInvesting]

Shift equity during the fall and shift income and commodities during the rise. That’s what smart money does.

[@Pensioncraft]

Hi Casey rebalancing achieves this i.e. after a fall you'd buy equity and sell the assets that rally when equities fall, such as bonds. Thanks, Ramin.

[@CaseyBurnsInvesting]

PensionCraft That’s how I’ve been doing it.

[@djpuplex]

No mention of factor investing such as growth, momentum or value

[@Pensioncraft]

Hi K Roddy I have talked about factor investing a lot in the past pensioncraft.com/review-vanguard-factor-funds/ Thanks, Ramin.

[@talbotsunbeamer]

Anyone that slips ED-209 into an investment video gets my vote!

[@Pensioncraft]

Yes talbotsunbeamer I am an SF nerd. But there weren't any good public domain images of Daneel or Giskard so ED-209 had to do. Thanks, Ramin

[@Lmao-ke9lq]

How many stock do you have alone in your portfolio?

[@barnstar2077]

He says in the video he only has three funds

[@Pensioncraft]

Hi LULWs I have a thread about how I invest my own money kzbin.info/aero/PLlqeAQqQK7Td7QgOdV-Fk-CRMFvRCHbrP I have three stocks: global minimum volatility is the equity component (20%) and UK long duration gilts (40%) and US government bonds hedged into sterling (40%). Thanks, Ramin.

[@round12tko]

Gold, gold, gold

[@Pensioncraft]

Hi Crash 2020. I agree that gold is attractive at the moment with low real interest rates and fear bubbling away in the background kzbin.info/www/bejne/b6Kmnp6oa5V9hK8 Thanks, Ramin.

[@Andygb78]

If you lose your job due to a robot taking your place, then you can invest in a robotics ETF and profit off the back of it.

[@thanos2703]

So in summary, invest 100% of your portfolio in Bitcoin. Only joking

[@Pensioncraft]

8-)