Investment ISA - How to open an account using Vanguard

[@garythornbury9793]

i just found your channel , i was self-employed as a hairdresser for 42 years and thank god i had been investing for retirement, i had a stroke and am now disabled, the good part is what you are saying really does work, and im now making more from my investments than what i was making when i was working.this is true freedom, and i just want to confirm that you are right

[@chocolatesugar4434]

Gary Thornbury so glad to hear everything worked out well for you 😊 can I ask, did you use an investment ISA? Thanks 🙏🏾

[@novicemorris]

Then again, you could have used some of your regular monthly investments and taken out insurance policies that would not only have paid you a significant lump sum upon diagnosis but also continued to pay you up to 60% of your previous net income, tax-free all the way up until you reached your retirement age. You could be sitting back, financially comfortable and you would still have had all of your investment pot as the cream on top.

[@0mittens0]

I've set up an account... I feel so grown up... This channel is such a godsend

[@TheKingofdans]

How's it going?

[@lornamacfarlane3850]

I opened a Vanguard Life Strategy 100%. Looking to leave it at least 10 years. Excited!

[@Rugbystu14]

I really appreciate you taking the time to do these videos. I've been looking into setting up my stocks & shares ISA with Vanguard. I haven't started yet because I've been paying off my business' credit card debt for the past 7 months. Made some mistakes and had to get rid of that debt ASAP before I could even start investing in index funds. Now that that's paid off, I have a second source of income, and am working on creating a couple more, I can start saving and investing for the long term. I'm also working on getting all my pension funds together in one single place where my current employer pays in and matches my contributions.

[@chocolatesugar4434]

Marius Cristian Ciubotariu is it considered compulsory to clear credit card debt before investing? Can you do both at the same time? Thanks 🙏🏾

[@KM2399]

@@chocolatesugar4434 Always clear credit card debt first as the interest on a credit card will cost you more than you will make with your investment ISA.

[@jacktraveller8290]

Ive just found your channel & its so good! Im 30, I have a reasonably compensated role in engineering but I've always struggled with money & worried about the future. This year I decided I wanted to try investing in Stocks and was immediately intimidated by all the terminology and risk. You've made it seem accessible and easy. Thank you so much!

[@JenniferAMThomson]

Thanks Jack - tons of videos on this channel, and I'm a fellow Engineer myself too (E&EE). Lots of videos still to come with stock market investing in 2020....stay tuned!

[@PremixedRyanHD]

Great video explaining my options! Im 21 and want to start investing for the long term. I plan on putting £200 a month into my isa account to begin with.

[@jacquitaylor22]

After watching this video I opened a Vanguard Life Strategy 80% as you gave me the confidence to start investing. I am looking at a five / ten year plan to help pay off my mortgage earlier. I deposited the £500 and have set up a direct debit for £100 a month. I am a complete beginner but will happily except the risk if it means in the long run I get a good return on my savings rather than leaving it in my bank account.

[@stevethomas74]

Hey Jacqui, nice one. I'm brand new to all of this too and I'm looking at setting up a Vanguard account. I'm still not sure whether I should have an S&S ISA or just a General Account at 100% equity? How is it going since you made this comment?

[@globalnews6748]

Well any updates ?

[@VoiceOfThe]

Jacqui, how’s your Vanguard Life Strategy account doing?

[@jacquitaylor22]

Sorry for late reply Really pleased so far with rate of return . I checked my account tonight and Personal rate of return was +14.97% yesterday it was around 13% so has increased overnight. When I first invested there were some weeks of negative return but as I am investing for at least five years I am not going to worry about having some negative returns I do have more money to invest and could add to this ISA but volatility due to the virus makes me hesitant so may just continue with £100 a month until I feel confident in the market Sorry not using financial jargon as a complete newbie to stocks and shares and get all my information from these videos Hope that helps

[@robinshort264]

Great video. I have finally just opened up a Vanguard Lifestrategy account using this video. Thank you for all the great information you share. I have gone from being in debt to actually able to save most of my wage each month, just by watching your video's - so a massive thank you.

[@SkippaG]

So glad i found this channel! Every video is always American orientated.. subbed and binge watching 👌🏽

[@JenniferAMThomson]

Glad to have you along for the journey too! Thank you kindly for that kind comment!

[@vegangsta5338]

The reason why so many Americans have a channel is because Google KZbin is a con. KZbinrs make money not on how many subscribers but how many people watch from a given country and guess which country you can make more money from your video yep USA. That's why there isn't many youtubers from other countries making any money because their not American and there products are not geared towards and American audience what a con.

[@ndeb3371]

vegangsta She’s Scottish. Also, you used the word “their”. Should have been “they’re”.

[@laur-unstagenameactuallyca1587]

@@ndeb3371 Scotland is British, foh

[@ReD-id1pk]

i am completely clueless about investing...but upon watching your videos, this gave me a big boost of confidence to actually start soon! how you have explained it was superb and very easy to understand! will do more reading and keep watching ur videos. thanks very much for these. more power to u!

[@Emi7ence]

Excellent walk through, thank you soo much for this video. I wish I knew about this 10 years ago! Schools should start teaching this kind of stuff about money. Fundamentals of making money work for you.

[@JenniferAMThomson]

Thank you Nathan for that kind comment - appreciate the support

[@Spazza42]

Schools should teach kids how to be financially stable. Unfortunately, most of the teachers don’t even know how. Society doesn’t want everyone to good with money, they wouldn’t see any of it then.

[@jameselliott8965]

i've just started up a stocks& shares ISA through vanguard , looked through well laid out information and the process was easy

[@nicksmithfilm]

The channel is extremely helpful. I'm 17 now and trying to get educated before I can actually start the journey, obviously still grinding so I have some cash waiting😎

[@thewizardoftod]

Thank you Jennifer, Really. Really helped. Its scary and like a minefield, out there you just made simpler and gave back my faith in investing. Cant thank you enough.

[@lglondon7692]

Thanks just done my first deposit and told him how good you are at giving advice mamafur

[@hannatamu6956]

I have been following your channel few weeks and found very inspirational which make me think about my finance and spending habit . Now im learning how to save .😁Thank you so much .

[@benjamincox7521]

Thank you started watching your videos and was very motivated. I looked at investing when I was 16 but was too scared. I'm now 20 and have set up my first investment ICER. Thank you very much for your videos they are so helpful

[@patrickaitch8882]

I have just set up an investment ISA with Vanguard. I found this video so helpful. Great video! Thank you for posting!

[@jackieconrad4500]

Good to see you back. Hope life is going well for you. I'm about a year away from being in a position to invest, but in the meantime your great advice will help me when the time comes. Thanks for another great video.xx

[@TheOneLifeSchool]

Thank you so much for this and for your videos. Because of this video I opened my first ever investment isa this weekend! 😁😁 Now I've been telling everyone I know why they should do it and how easy it is. Thank you!

[@risingphoenix1187]

Brilliant video on investment. I shall be opening account once I have done some more research. Thank you for taking the time to help us with little to no knowledge and all the very best for the future.

[@razmanrazak2275]

An inspiration for the beginners. I agree Vanguard is one of the best providers.

[@Kaiyats]

I just turned 18 I am going to work and put £500 a month into a stocks and shares ISA for 5 years to move out and gain some capitol

[@JenniferAMThomson]

Good plan - I would also look at the Lifetime ISA so that you can build up a deposit for a home even with their 25% top up and you can save up to £4k a year even that way.

[@Kaiyats]

MamaFurFur Thank you will do

[@nathanleigh3486]

Just a brilliant video and channel, I'm officially now investing in the stock market, I 100% know that I'm smart enough to create a market or manipulate one, but I know I have the sense to invest my money in people and companies who can, your videos have been huge in diminishing any anxiety when it comes to investing as I have at current a nice amount sat in the bank doing nothing for me, so thank you.

[@dannygrays]

Wonderful to have you back. Great video and content for your comeback. I set up at Vanguard ISA about a year ago. I agree was so easy to set up and dive into once in a while. Currently on 60% life strategy blended fund but thinking of increasing it😆 Really informative vid👍

[@DaveCoakley]

I've been looking at opening a Vanguard account for some time so this video was extremely helpful. Thank you.

[@erinrooney1176]

Such a useful video, I am 18 and I’m from Glasgow too. I just trying to learn as much as I can about investing and your account is extremely helpful. Thanks xx

[@CharsChronicles]

Yikes, I've just opened an account! Exciting times ahead. I'll definitely be binge-watching your videos. Thank you!

[@MJ-YT-USR]

Hi again Jennifer. Many thanks for making and posting this video too (as well as the Pension Bee video). I've signed up to Vanguard UK this morning on the back of watching your video, and reading and watching other peoples recommendations too. This is a 10 to 15 year investment for me, but I aired on the side of caution and opted for the 60% equity - just given the current climate.

[@tonimcdermott4794]

Glad to see that you're on the mend! Awesome video, it helps that you put your own personal opinions on the ways that your family invest. All this brexit stuff can really confuse a lot of people right now. Keep up the good work!

[@JenniferAMThomson]

Thanks so much for taking time to comment and watch. Means the world to me and hope it helps others!

[@sore8926]

This was great! I was looking forward to this video ever since you announced it :). As someone who is fairly new to the UK, only been here 3 years and plan on staying, I was looking for this sort of video as all the other ones out there seem to be based on Canada or US. I think I'm just about ready to pull the trigger and open an ISA account with vanguard. Thanks again and keep up the great work will be looking forward to your next videos

[@JenniferAMThomson]

Great to hear this and thank you for watching!

[@RODOLFOLEUR]

i just found your channel and omg, you are amazing, thank you for sharing so much, I have been searching for UK info for a long time and couldn't find anything. thank you

[@santhi80]

Hello Jennifer, good to see you back. You are looking very well. I was considering investing in Vanguard, you posting this video I shall take it as a sign that I need to take action. Thank you 🙏

[@JenniferAMThomson]

Fantastic to hear you feel the video has been useful and helped you . I'm back to make content people can use in their lives to design it on their terms, so I'm excited to serve you all in 2019 and beyond!

[@ManchesterTechGuy]

Thanks so much for this. I was hesitant at first, but this video put me at ease. It really is very easy to setup an account.

[@JenniferAMThomson]

You're welcome!

[@faridaansariy3063]

So glad that I found your channel! Most of the videos are US orientated, and not many quality ones in the UK. Thanks for opening our minds to the new opportunities!

[@JenniferAMThomson]

Glad you like them!

[@maggielin5369]

The video really helps! I was planning to open a Vanguard ISA account! But I start panicking when I saw the fund choosing page! Btw, maybe you can increase the volume when you talk. Because it is kind of hard for me to hear you clearly on a maximum volume. I am not sure if any other people have a similar experience with me.

[@rufdymond]

You can always get advice to help....investing is one of the best things a person can learn to do...I started putting my money in investment ISAs 20 years ago when they were released. With the help of them, I am now financially secure. This book “How to Make Money in ISAs and SIPPs” by Stephen Sutherland is a really good introduction on the subject and is a fairly easy read. As I said get financial advice if your not sure...and good luck on your financial journey.

[@skurban622]

Big thank you for helping me set up my 100% equity fund. 19 here and putting away a bit each month thanks to your advice

[@JenniferAMThomson]

Fantastic!

[@gf6966]

Jennifer thank you so much for your advise, with you I have lost the fear of investint and learnt a lot

[@AmyBeingMum]

You make it seem much less scary thank you!! I’m excited to get started now! X

[@rufdymond]

This lady is doing great work here..especially if you are young, this is a no brainier. I was fortunate to be told about all this stuff about 20 years ago and I can honestly say it was the best advice I was ever given - investing has totally changed my life.

[@tableB]

Great videos; I've opened an account now and learning fast. Thanks for explaining in a way that beginners can understand.

[@mv19891989]

The point of putting cash in an ISA Is generally because you wanted to use your yearly allowance otherwise it is gone, also if you think something may be going down soon and you can buy lower than it is today.

[@bengsheng]

Thanks for explaining this clearly just started my account Banks simply not doing anything for my money

[@chocolatesugar4434]

Thank you for explaining this is all very new but I’m learning and really enjoying your videos 👌🏾😊

[@ChristianThomasTring]

Great videos! I'm coming up to drawing my pensions (both DB and DC), as well as having a modest amount of cash which is doing absolutely nothing and getting eroded by inflation. I know I should be doing better, and already really know what that should be, but have been seeking financial advice to confirm my views. These guys are tending to come back with figures from 1-2% ongoing, which works out at ~£7k a year - plus an initial fee in some cases! You've crystallized my thoughts that I should really do this myself, as it's not that complicated! All I need to do now is work out a pipeline and spread for the investments so that I have it working equitiy markets in the longer timeframe as well as less volatile 2-3 year investments which I can turn into an annual cash withdrawal and how I keep on top of managing the proportions and use up ISA allowances. Have you done anything on drawing out strategy? 🙂

[@stephen6262]

Pleased your back hope things are going well love the videos done a vanguard because you explained it so well really happy with it life strategy although I have done 40 percent in my 50s cheers

[@susanlewis1953]

Lovely to see u again - take care! Fab video 😀

[@ThaiLemongrass2020]

I have not opened one yet but I have been doing my research. Your video is really useful. Thanks a lot and you have got one more subscriber today x

[@JenniferAMThomson]

Glad it was helpful!

[@danieljayne8623]

What are your thoughts on investing mostly in your education and potentially a side business idea when you have a lot of free time on your hands? One thing I've realized over the past few months is that I can save about £1k a month if I scrimp and save but I'm capped there so I might be better off investing in finding a way to make more money long term / achieve a bit of passive/semi-passive income.

[@JenniferAMThomson]

What a great question Daniel - so I am a massive fan of education and business ideas. I would say though try to put 10% if you can into an investment passive income and then use any spare money for your education and ideas. I actually have created a money percentage strategy with all this in mind (education/investing/living life) and sharing that next week is the plan. Watch this space! I think you will love it!

[@projectgenes1s]

Could you do a video on using Vanguard for non isa index funds?

[@bolatitoakintola4679]

Jennifer, you are a brilliant financial adviser. You've been a blessing to my brain 😍💃

[@JenniferAMThomson]

Not a financial adviser - just your financial Cheerleader :)

[@bolatitoakintola4679]

@@JenniferAMThomson you are still brilliant and l am motivated

[@mamaandroman]

So happy you've uploaded a new video..... enjoy all the advice on your videos 👍 thanks for the tips

[@fernandapreen347]

So happy you're back! Welcome 😘

[@JenniferAMThomson]

Thank you so much for the kind comment and glad to be back!

[@jonathanelliott7117]

Hi, A couple of questions please. I’m sat here having started the application for 100% with £500 deposit and £250 DD pcm. I’m 50 years old but very fortunate to already be receiving a pretty decent pension and am mortgage free, so although this money I’m investing is, I suppose money I can afford to lose (did I just say that? Lol), I would love to improve my retirement income further. 1. So, based on the above figures, the 1st year I would have invested £3,500. Can I add the other £16,500 at any point either with another lump sum or by increasing my DD? 2. Are the S&S ISAs like cash ISAs in that the ‘get money in by’ date is the beginning of April each year or is it from the date you open the account? 3. Once I’m withdrawing cash from it upon my retirement, if the % rate is low on any particular year, am I correct in thinking that I wouldn’t be getting my £20k (using your example from another of your videos) to live off that year? 4. Has anyone had one of these for over 5 years? If yes, would you mind giving us an indication of its success or lack of it? No figures (unless of course you’re content to do so!) but even %s would be brilliant. Thanks in advance for any responses and for doing the videos. Good luck everyone! Jonathan :-)

[@victoriavicious8815]

This is so helpful, thank you. I’m going to set up a stocks and shares isa in addition to my DCS pension.

[@NorthEastTrailRunner]

This is a very interesting and informative video. Thank you for posting this.

[@richardstokes755]

Good to see you back Jennifer, great advice was looking for information on Vanguard thanks

[@hespinosa1111]

Very helpful video to make me think and do something extra and different to what I have done so far but with time factor been more critical as Im at the point of retirement and looking ways to manage the limited resources that I have. Thanks for all the info you are shearing.

[@Maniaquin]

Hi Jennifer, I really enjoy and appreciate your videos - most of the other investment channels on youtube are mostly US oriented, and we needed something equivalent to the UK for a long time. So, thank you for doing that! Anyway, I have a question in regards of ISAs - can I have Cash Lifetime ISA (£4K) with one bank and Stocks and Shares ISA (£16K) with another bank in the same financial year?

[@tonypenn8155]

Hi Jen. So do you get paid the interest every year into your account ? Or how does it work in terms of dividends repayment? Thank you . Love the channel.

[@megzzr7522]

The example Life strategy 100% she used is an accumulation account where any interest earned is rolled over.

[@BlessedPetrel]

Thanks for your great contents. Ive subbed and binge watching :). Ive been thinking of investing for quite some time but not really sure how to kick start it until this video. Will have a look at Vanguard. Keep them good contents rolling in ❤

[@almath9987]

Thanks good to see you back 👍 and getting back to great videos and advice

[@caz6106]

Great to have you back. 👍👍👍😁

[@JenniferAMThomson]

Thank you so much - it's great to be back to doing what I love and helping others xx

[@adamthedev]

You're really good at explaining stuff! Impressed and subbed :) Thanks for the great content

[@pfteve]

Set up an investment ISA with Vanguard after you brought it up in a previous video. Glad this videos here to answer my remaining questions.

[@JenniferAMThomson]

Thanks so much for watching and the kind comment - glad I helped!

[@dawnateervlogs1112]

What happens if you need to miss a payment one month with Vanguard, do they automatically deduct double the next month? 🤔

[@ndeb3371]

Dawnateer Vlogs hello. You need to save an emergency fund first. £1000 should be ok. Then you can dip into the emergency fund for an unexpected bill etc. Always top back up your emergency fund. If you stop start your investments it won’t work, or you’ll impact the benefit, especially in the early days.

[@tc9634]

No, you can stop or start at anytime, there is no obligation. Think of like a savings account.

[@edsoncaetanoalbuquerque8214]

Can I just put £2000 one time and leave the account with adding any fund?

[@karenccs67]

Nice to see you back Jennifer.

[@JenniferAMThomson]

Thank you so much for the kind comment - great to be back too!

[@abbiebeamish9515]

As an 18 year old living alone, paying my own rent and bills I have found it so hard to get on my feet. I am going to put your words into action and hope for the best.

[@JenniferAMThomson]

Absolutely - everything within your control. Time to make 2020 the year you shine!

[@PeterOnPole]

Thank you so much for this! Im looking at investing and had no clue where to look...but thank you for this

[@JenniferAMThomson]

You are so welcome!

[@hannahstewart2136]

I understand it’s generating an income but there’s also then a large amount of money that remains untouched while you live off the interest each year - what are you suggestion is the plan for the lump sum? When do you start pulling that because surely you want to use it before you die?

[@punkrock666]

Thanks for the amazing videos Jennifer. I have a question: If one day you check your account and you see really good profits, could you sell your stocks and shares and withdraw your money until you feel the value of those stocks and shares drop and buy them again cheaper? Does Vanguard work this way?

[@AnimatzHD]

punkrock6660 Google ‘Time in the Market vs Timing the Market’, you’ll see a lot of information on why trying to ‘beat’ the market by selling high and buying low isn’t always the best answer

[@ragz_learns]

I discovered your channel today and I've already learned so much! Question: Can I open and contribute towards both a 'Help to Buy ISA' and a 'Stocks & Shares ISA' within the same tax year? I opened up a Help to Buy ISA at the beginning of this tax year - will I have to wait until the next tax year to open up a Stocks & Shares ISA?

[@JenniferAMThomson]

You can have as many flavours of ISA as you wish however you can only contribute a total of £20k a year to them all. Free to open an Investment ISA as you wish

[@glynjones3727]

Remember, the earlier you start, the more money you'll make- Don't waste time like I did.

[@JenniferAMThomson]

Great point!

[@NeyJ]

@Subscribing to everyone that subscribes to me you can. act like you're already taking part and save as much as you can! As soon as you're eligible you'll have a head start already and will be used to putting away that money :)

[@scottgraham4172]

Welcome Back Jen! Good to see you back in the swing of things! Set up my first investment ISA a few months back after finding one of your previous videos and so far so good, drip feeding disposable income monthly and it’s long term 5yr plan looks favourable and better then my banks saving rates lol

[@JenniferAMThomson]

This is excellent Scott - having the habit of investing is more the principle and outstanding to see you are seeing the benefits in such a short space of time already!

[@Realdude2011]

I'm in love with your channel! Exactly the content I was looking. Thanks so much for this. I've got one question about investing with Vanguard. What's your opinion on drip-feed investing vs lump sum investing? I would like to start putting in a certain amount into my vanguard account every month. Not 100% sure though. Thanks again! 😊

[@JenniferAMThomson]

HI there - I would say don't worry about which option but rather the habit of investing regularly as part of your money strategy really is where you will benefit long term. No way to predict if one month your money would be worth more with a lump sum, so just do whatever suits you best to budget and live life :O) Great question!

[@hatchingdraggon8073]

Vanguard revealed statistics that suggested that a lump sum investment was the better option 66% of the time. Trouble is, as Jenny said, it's near impossible to predict the market and most of us have no other choice but to drip feed because we invest from our salaries.

[@Videosyouwilllove]

Just opened an account many thanks.

[@TheNextTorres9]

Great video! I'm still learning and would appreciate if you could answer these questions: 1. If I decided that for whatever reason after 1 year I don't want to invest in my vanguard account anymore, am I able to withdraw my money then? Or must I wait a minimum of 5 years before I can access it? 2. If I've been making regular £100 payments but wanted to change that to regular £50 payments for example, is that possible to do?

[@matthewstock9946]

Incredible, thank you for this video. Now to check out the others

[@JenniferAMThomson]

Awesome, thank you!

[@dunner079]

Its strange seeing someone from the UK making a video about investments. I'm from Ireland and if you mention investments they look at you weird or tell you your crazy.

[@laur-unstagenameactuallyca1587]

@@Roastedpotato1441 not sure but same thing happens to me around my mates and I'm in the UK. it's just weird or nerdy to some people to talk about things like stocks. Friends ask me if I'm personally interested in finance/wanting to pursue it as a career like becoming a stockbroker, and when I tell them "no, I'm more creatively oriented, I usually find finance boring", they get even more confused. Schools don't normalize investing by teaching lessons on how to manage personal finance so some people still have the idea that this stuff is niche and for rich people.

[@simonc6569]

Hi. thanks for taking the time to make your videos they are very helpful. One question though if I may please? The costs for the Vanguard Lifestyle life strategy funds are currently 0.22% ongoing, but they also incur a 0.15% PL account fee. Should this be taken into account too when choosing an investment?

[@JenniferAMThomson]

Absolutely - total cost of ownership is key. Watch out for a video on this topic in the next few weeks

[@markdulling220]

Hi Jennifer! Thanks you for your video. I am following for long time and I really appreciate your adviceses😊. I finally decided to invest and I have few questions for beginner... Hope there are not too naive. I would like to move my isa account to an investment isa... Can I do it? I would like to ask if I reach the maximum I can put in the isa, do I need to open a normal account to carry on investing? In terms of index funds could you explain me what it is a diversificated portfolio? Thank you very much for your help!

[@Falky1]

absolutely fantastic video, thank you!! Nice to find a UK youtuber explaining Investing and stocks. Subbed and Liked. :)

[@robinson1on1]

What an amazing channel thank you for the great information, keep up the good work!

[@Blueberry44100]

Sooo glad for your channel, thank you very much !! I recently opened a Investment ISA with Vanguard and so proud of myself for taking the leap of faith. It was not difficult at all to set up. My question is, my monthly dd is £100 investing each month to the S&P 500, i checked my vanguard account and the rate of exchange from my uk investment transferred into $ was $63.45?! so i now have £36...in my account, what do i do now? I know the rate of exchange will differ but now what??? If i purchase a stock eg. cost will be £7.50 and now what do i do? many many thanks 😊

[@WA_YT]

Great Video. Sorry if this is a dumn question but do you deposit £500 to buy the value of a fund? For example the SP500 vanguard ETF is valued around 293usd. I am just a bit confused as to if we are buying the shares/fund??

[@drgigglesuk]

You've inspired me to take the plunge. For years I'd looked at Investment ISA accounts and always gone with the safer option of Cash ISAs (which I still have). At 44, I was considering one of the retirement funds, however, opted for the LifeStrategy® 100% Equity Fund - Accumulation, instead. Once you've selected your investment option, that's it, I'm guessing - you can't switch it to one of the retirement options midways, right?

[@JenniferAMThomson]

Great question - so with funds you buy them at the time whatever selection you wish to make, and then the next month you can change to purchase the Retirement Target fund instead with your next deposit. It would really just be a case of switching your buying preference with Vanguard the next month. Any past purchases though stay in that fund until you choose to sell them off - which you could do but then of course and then repurchase with the cash created the Retirement fund you wish. I would say though try to not sell off/purchase funds regularly as this is not like a normal bank account but more that we want to buy funds and leave them to mature for as long as possible before selling them. Hope that helps!

[@Dan2424Dan]

If you start investing monthly £100+ do you have keep this direct debit to keep the account open or can you stop investing or pause investing?

[@TheHowsons]

Hi, absolutely love your videos, thank you! Can I please ask a question about the split between you and your husband? Do you both have a vanguard or can you have a joint account? Or do you invest in your own name only? I appreciate its a personal choice and an individual choice per partnership but would it better to put all money into investments under one name or split the money and have a vanguard account in each name? Or does it not really make a difference? Thanks :)

[@BradleyCTurner]

based on my limited math ability, putting 250 into two accounts wouldnt be different to putting 500 into one account. youd end up with the same amount if you combined the both from the 250 scenario.

[@ericcanizares9529]

Hello Jennifer, thank you for this great video. I just want to ask you something: Do you know if I can keep investing in ISA from other country? I mean, I'm currently living in UK but I'm thinking to move to other country. You think is possible to open the account here and then keep investing from other country? I would really appreciate your answer, thanks.

[@JenniferAMThomson]

Hi Eric - great question. So I believe you might need a UK address but I would say no harm is speaking to Vanguard to check if you can still contribute whilst being abroad.

[@wulliemac6528]

Think you are great I have joined the investments at 72 years old but would like you to do a video on 1 to 3 years to give an income as you know the retirement pension is not great I look forward to your info thank you

[@thanyalaksarawong2437]

Thank you so much. It was very helpful :)

[@NorthernMonkeyMusic]

Just to elaborate on the 'cash' investment side of Vanguard/ISAs. This isn't really meant to just be a cash holding like you would use a typical bank account. Instead you can put cash into your ISA, and then use that cash to purchase your funds/ETFs. For example, at the end of the 2018 tax year, i put a lump sum of cash into my S&S ISA, and now have a balance i am able to use at any point in 2019 (or beyond).You can put £20k into your ISA each year, but do this any time within the tax year. For anyone considering Vanguard but isn't sure what funds to purchase straight away, just deposit cash into it first and then you can use that cash to purchase. Highly recommend everyone tries Vanguard.

[@JenniferAMThomson]

Great comment and point to make - thank you for that indeed :) Appreciate all these fantastic comments alot!

[@marcuslikespie]

Hey! I've been thinking about investing for a while now and have always heard that Vanguard is the best way to get started in the UK. In your opinion, do you think its wise for me to start now or wait it out until COVID-19 blows over? Loved that video, very useful! :)

[@ndeb3371]

Marcus Armitage hello. I started in March, just as Covid was getting going and I’ve had an increase every month.

[@laur-unstagenameactuallyca1587]

start now perhaps? markets are down, so buy lower and when they recover later this decade, if you want to sell then you can sell high

[@leewatson6959]

I've been following you for a short while now and I find your videos really informative, thank you. I'm looking at setting up an account and starting with the £500 option, could I invest £50 a month there after or is £100 the absolute minimum. thanks Lee

[@matthews7895]

Thanks for the video! @19:30 you enter in a monthly payment and then you choose Next. Afterwards, you said you then enter your bank details and either choose to pay a lump sum or a monthly payment. Is that on top of the value you entered in the LifeStrategy 100% Equity Fund? So for example, if I plan on putting round £300 a month into funds, would I have to pay the £100 a month on top of that to open an account? Or would the £300 a month cover that? Also, I see that in the example you chose Accumulation instead of Distribution. Do you prefer Accumulations instead of Distributions? Again, thanks for the video.

[@merinangwenya9381]

Thank u so much about that information. Have been struggling a lot.

[@JenniferAMThomson]

You are so welcome

[@khxnn677]

New sub! Learnt more here than my college & uni lectures 🤣

[@JenniferAMThomson]

Awesome! Thank you!

[@justynanw8985]

Hi Jennifer. I'm new to your channel and love it. I want to open ISA Lifestrategy 100% or 80% but my question is: is it really matter when you open and buy index? I mean, should I wait when the price goes down or it doesn't matter? Thanks

[@mlastname7186]

Hi Jennifer, i've opened a Vanguard investment ISA and invested 500 into 100%stratergy. But i have no idea who i've invested in, the companies, i could be investing in arms and not know it! How do we (the royal we, ha) know what/who we're investing in? Great vids btw!!

[@-rhys]

Thank you, that's a very clear intro. Much appreciated

[@bigkieth23]

Hi Jen, Brilliant Video, I have a quick question, What do I need to do once I have set the account up? Do I just have to keep up with my monthly deposits and vanguard do the rest or do I have to search & buy funds with my money?