Investment Checklist

When we invest it's wise to avoid making hasty decisions as they can often result in costly mistakes. So it's useful to have a checklist of criteria that funds or stocks have to satisfy before they make it into our portfolio. In this video, I go through my checklist of criteria for choosing funds for my portfolio and outline the requirements they must meet.
This video is sponsored by Trading 212. Trading 212 provides an execution-only service. This video should not be construed as investment advice. Investments can fall and rise. Capital at risk.
💸 Get One Free Share Worth Up To ‎£⁠100! Create and verify a Trading 212 account, make a minimum deposit of £1 and use our promo code "RAMIN" www.trading212.com/promocodes...
Data Sources for the video: All price series come from SharePad. Long-term series for the S&P 500, Treasuries, & US CPI come from Robert Shiller's Irrational Exuberance spreadsheet.
What Else PensionCraft Offers:
💡 Become a pensioncraft.com member and learn how to be a better investor. To find what we offer and how you can join our friendly community click here www.pensioncraft.com/investor...
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📰 Sign up for 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/
📖 Understand investment in more depth with my online courses pensioncraft.com/courses-we-o...
Where Else You Can Find Me
🎧You can check out my weekly podcast all about investing here many-happy-returns.captivate....
🌐 Website - pensioncraft.com/
📱 Twitter - / pensioncraft
👨 Facebook - / pensioncraft
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Tools I Use To Create My Videos
✔️ My primary data source is SharePad and an affiliate link for this is here sharescope.co.uk/pensioncraftsp (This link provides new users with a special offer and gives me a small commission)
The rest of the tools I use are free open-source software:
✔️ ggplot2 package in R for my plots
✔️ RStudio to edit and run R code
✔️ OBS to record my videos and live streams
✔️ Kdenlive to edit my videos
Take A Look At Some Of My Other Videos & Playlists
📹 Investment Strategies playlist • Investment Strategies
📹 Economy & Investing playlist • Economy And Investing
📹 Behavioural Investing playlist • Behavioural Investment
📹 Investing Strategies From Beginners To Advanced video • Investing Strategies F...
DISCLAIMER
All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results.
#StockMarket #Investing #PensionCraft

[@epicchess2021]

Thank you Ramin great video as always!

[@Pensioncraft]

Glad you enjoyed it @Epic Chess

[@boombustinvest]

That was a Pension Craft classic! I think that's the best (and most concise) crash course in investing I've ever seen. You are creating a nation of portfolio managers Ramin :)

[@Pensioncraft]

Hi @Boom Bust Invest, that's kind of you, let's hope that's true 8-) Ramin.

[@danguee1]

With only 21k views in 6 months, it'll take a long time to create a 'nation of' portfolio managers! But, I agree, Ramin's videos are top-notch and full of useful information and insight

[@FreeStockPromotions]

Glad I found your channel.

[@Pensioncraft]

Glad to hear it! Welcome @Free Stock Promotions

[@stevepathfinder3959]

Thank you for this video. Can I have two different investment funds(example vanguard in US and FTSE UK fund) for different countries using the uk account where I stay.

[@marektoman]

Could you give us a recommendation on tool(s) you're using to improve decision making, portfolio composition, .. etc.? For example I'm interested in diversifying my portfolio and reducing correlation of vehicles I hold. Thank you

[@WarrenBuffettDividend]

Fantastic video.. i always check out your videos for new ideas 🎯

[@Pensioncraft]

Happy to hear that @Warren Buffett Dividend

[@crimsonpirate1710]

Great video thanks.

[@Pensioncraft]

Glad you enjoyed it @Crimson Pirate

[@george6977]

👍Good checklist.

[@Pensioncraft]

Thanks @George

[@eweng903]

Trouble with your bonds is that over recent years UK gilts have offered significant negative returns with a standard deviation that is nearly comparable to many stocks. Yes, there would be a weak negative correlation with stocks, but since that would represent a loss in value would it really be a diversification step worth applying to your portfolio?

[@JohninRosc]

Fantastic video with extremely useful information as always Ramin. Many thanks.

[@Pensioncraft]

Glad you enjoyed it @JohninRosc

[@flintridge3576]

Another great video! I have a quick question on fees....I’m looking to drip feed money currently held in cash in a Vanguard ISA (UK). From what I can tell the transaction cost are a very small percentage of the trade eg for VEVE the charge is 0.03%. Therefore, am I correct in saying that the size and frequency of each transaction is irrelevant as I will pay the say fees regardless? Thanks in advance

[@Pensioncraft]

Hi Flintridge on some platforms if you save regularly you don't pay any transaction fees. On Vanguard's platform you don't pay transaction fees on any transactions except if you trade on a quoted price for an ETF. But if you're paying 0.03% that's very small. Hopefully the platform you're on is low fee overall? Thanks, Ramin

[@skeletorrobo]

Thank you.

[@Pensioncraft]

You're welcome @skeletorrobo

[@lucille5679]

I would be retiring or working less in 5 years and I just want to know best how people split their pay, how much of it goes into savings, spendings or investments. I earn around $165K per year but nothing to show for it yet.

[@toddk2699]

You're not alone, i'm part of the High Earners, Not Rich Yet (HENRY) not having much left after taxes, housing, and family costs.. not to mention saving for an affluent retirement

[@jaycepol]

Don't be a marketing strategy for luxury brands like Louis Vuitton and Tag Heuer without having your money give birth to more money (I recommend ''The Richest Man In Babylon'') Rather, you can move to wealth by reducing expenses and increasing savings or investments. As far as I'm concerned, its ideal to consult a reliable financial advisor for such objectives...

[@firpowater]

@@rice2373 Wow ! I'm 58. 75,000 USD pension, and only began this stock thing few months ago. Oh, and I live in the Great White North, Canada. I'm ramping up my savings for next year, while the economy and the feds play silly buggers. My goal is to see 2030 in good health and finish up my home payment by next year. Mind if I look up the advisor that aids you?

[@lucille5679]

@@rice2373 great , I curiously searched Ashley Breanne Haley on the web, and I'm super impressed with her qualifications, such experience is highly needed personally. thanks for sharing

[@glaxgur6631]

Hello Lucille, I'm 15about to turn 16 this july, I've been interested in this type of industry about investing and got into it when I was around 14, do you have any advice you can give me so I can improve in my journey ?

[@muffemod]

Thanks yo!

[@Pensioncraft]

No problem @muffemod

[@IoRisparmio]

Great Content!

[@Pensioncraft]

Thank you @Io Risparmio

[@xandermeier3682]

Good video as always. Do you use any other platforms as well as Trading 212?

[@Pensioncraft]

Hi Xander I use Vanguard for my core portfolio (90% of my investments) and Trading 212 for my "fun" portfolio. Thanks, Ramin.

[@knowledgeseeker5499]

@@Pensioncraftwould you mind to show your Vanguard investments into ETFs funds??

[@jackmunn4047]

Hi Ramin, you talked about your "Fun" portfolio. What % of your assets are in your "fun" portfolio ?

[@benbbenbbenb]

I think he said "fund". Although I highly doubt he puts much of his total portfolio into Trading212. Just a hunch... :)

[@Pensioncraft]

Hi Jack the "fun" portfolio amount depends on how likely you think you are to beat the market. I put a low probability on that of around 10% so that's the percentage in my fun portfolio. Thanks, Ramin.

[@Eaipo]

What about a video about B2W or Lojas americanas ( Brazil) 20 bilhões “mistake” in the balance sheet. How the audit company didn’t find out? Thanks

[@matthewberrillmb]

Really enjoyed the content, thank you. Just signed up and tried the 212 offer code, but it does not work. Any advice? Thanks.

[@matthewberrillmb]

All sorted, it took about 1 hour after registration to work. Thanks

[@Pensioncraft]

Hi @Matthew BerrillIt's great that you like our content and I'm pleased that you managed to sort out your issue. Thank you for letting us know!

[@nickpavlou7626]

Any references that the 10year treasury has 4,6% total return? 6:00

[@Pensioncraft]

Hi Nick, sure this was from Robert Shiller's Irrational Exuberance spreadsheet which has total return for US equity and 10y Treasuries going back for over a century. Thanks, Ramin.

[@timetraveller3063]

Good content. You not in Vanguard anymore?

[@Pensioncraft]

Hi @Time Traveller I'm on both and my fun portfolio is on Trading 212 (core is on Vanguard). Thanks, Ramin.

[@jdomsmith]

150k!!

[@tastypymp1287]

The asset return graph is critical. It shows every asset outpacing inflation. How can this be? Think of double entry accounting, whereby every liability is matched to every asset. One cannot exceed the other. So all global assets must match all money supply. This is because currency is the measure of all value and instrument of all transactions. Ultimately, currency represents a promise to pay. It is the liability against the asset. Do they match? Have we equilibrium? Because the actual valuations suggest assets often exceed money base and supply, which exposes a liquidity issue in any scenario where investors rapidly and collectively attempt to realise the value of their assets into currency. There simply isn't enough to cover all the liabilities and transfer assets into cash. There isn't enough to keep the promise. This is the precipitation of a financial crisis. It seems possible that assets, collectively, are mostly overvalued compared to the money supply they are valued in. This phenomena is caused by speculation. The reality is exposed once fear enters the mind of investors, then the lenders of last resort have to plug the gap.

[@90GOURAB]

Although most of it is common sense, I can not overstate the usefulness of listing them down in one place as a checklist. Thank you very much, Ramin and team! Can you suggest me an ETF - traded in the USA - that can give me exposure to developed market government bonds?

[@Pensioncraft]

Hi @Garry sure just look for total bond market on ETFdb etfdb.com/screener/#page=1&asset_class=bond&bond_types=Total%20Bond%20Market and there are lots with extremely low fees. Thanks, Ramin.

[@danguee1]

I don't like this 'currency' consideration you do, Ramin. I remember doing a comment on one of your videos along the lines of "so I'd have been a genius to invest in Zimbabwe because the currently tanked - and therefore my Zim $ holdings would have looked stellar?". Sure, that's a reductio ad absurdem - but the point remains: if I'm holding in a weakening currency a) I'll notice that when travelling during my retirement b) I'll notice that in the price of imported goods while living in the UK. The cost of my haircut might not be affected but at lot will..... At very least, I think you should moderate your enthusiasm for the paper performance of investments when read in weakening currency

[@alexturlais8558]

The pie feature on trading 212 is genius, I can't recommend it enough. Set up your ideal allocation and it does everything for you!

[@julienhamon1558]

I started a few weeks ago using Trading 212, it's a great tool indeed. The caveat to keep in mind though, and that's the reason I would not make it my main broker account and will keep Degiro, is that it's fractional shares investments and you cannot transfer them to another account. For now it's a closed environment. I hope they manage to open it in the future!

[@JoseMoreno-yv9ol]

Degiro and Interactive Brokers are far more reliable

[@ivivivir]

The gold increase of 3% in long term could be reviewed to be updated with new period of high debts.

[@edwyatt8810]

I wonder if the 3% gain in gold is a bit misleading as the chart went back to 1870. Gains since 1970 would be much higher from a low price of £68 per ounce to a high of £1644

[@tastypymp1287]

@Ed Wyatt It's all misleading. Real returns are important, because essentially investors are looking to beat inflation and then the risk free rate (if it's higher than inflation). It doesn't matter about gold from 1970. Value is merely a comparison against other items of value. How gold performed against inflation and other asset classes from 1970 is the important metric.

[@havencat9337]

china grows super fast, why wouldn't you want? I try to keep out politics and focus on solid fundamentals.

[@sassasins031]

CPI is not a valid Inflation indicator for the average person. Can you use RPI in future graphs?

[@juliusrich1583]

I don't know who needs to hear this! Stop relying on the government and savings. Invest some of your money if you want financial stability, having several streams of income is not a bad idea

[@BigHenFor]

If you don't know, what are you arguing about?

[@tastypymp1287]

Equities aren't 'inflation busting'. They are inflation!! Financial alchemy, the science of turning actual inflation in prices due to money supply, into growth in an asset class.