Is the S&P 500 All You Really Need to Invest in?

[@TobyNewbatt]

You are the weakest link.....Goodbye

[@TobyNewbatt]

@@quokkapirquish6825 ok this is great I should have thought of this 😂👍😂😂

[@kristianpoultney7624]

Your video are really helpful so I say thank you

[@Breeki01]

Bank

[@keke8322]

Bank

[@williamcarter361]

Bank

[@Mitchell.Holland]

Watching in my 40s... And only just starting I feel so behind!

[@TobyNewbatt]

You've got sooo much time Mitchell! Don't worry, take your time :)

[@VanillaCherryBread]

Keep going mate I started at 41... was in 9K debt and living in my overdraft. I'm now debt free have a 20K emergency fund. 30K saving pot and just surpassed ~£300K. It's good to have a nice balanced portfolio... I am almost 43 now!

[@estevez1942]

which companies would you recommend or where should I invest a hundred K to get the best returns right off the bat? I have just opened a Vanguard account and its my first time investing I have just started and I am depositing 20% of my monthly salary I am scared because I don't know what to do now :D

[@philcrowley007]

I lost a lot chasing individual stocks and I feel pretty silly for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!

[@VanillaCherryBread]

Keep it simple, buy things you understand, take some risk but don't try to shoot the lights out. I’m invested in ETFs, equity index funds, and individual stocks and use a CFA. On average, she takes 10% of earnings, but using *Lina Dineikiene's* system makes it much more hands-off. I conservatively follow her recommendations and market entry and exit points, and tbh this makes it fairly simple for me... I am convinced it's not just hard work but smart work :-)

[@LB-sj3li]

Perfect advice for most investors. When you own a diversified index fund like the S&P index fund, you don't have to worry about catching up with the market...you ARE the market! What's better than that? Keeping it simple is the most profitable path for almost everyone. And you can take that to the...BANK!

[@PhilipBeck-h8l]

Is S&P 500 returns good enough to go all in on right now? Or should someone start on popular stocks such as APPL, or SBUX. I want to invest around 200 grand from my cash savings

[@EmilyOlivia-r7s]

Adopting a long-term strategy is key to managing market volatility. Set clear goals, focus on high-quality investments, stay patient and avoid emotional reactions, and collaborate with a financial advlsr.

[@ZoeyBoni]

Yes. It is very easy to buy in on trending stocks but the problem is knowing when to sell or hold, which is why a coach is important. I've been in touch with one for about a year now and although I was initially skeptical about it, I will say I've made more progress within a year generating 6figure profit

[@Endurance-l3r]

Hey, I'm trying to find a certified one to boost my investments/portfolio, but it's tough online. Can I get a rec from you, since you know about this stuff?

[@ZoeyBoni]

My CFA ’Melissa Elise Robinson’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@Endurance-l3r]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@Jmiles292]

Bank, glad there are traders from the UK making content like this 🙌🏾

This video was extremely informative Toby. I had been going back and forth on whether to buy individual stocks or S&P 500 index fund and once you showed what stocks were at the top of the S&P 20 years ago, I realized my individual stock picks may not even be relevant in the future. With the S&P 500 on the other hand, the index fund will always readjust the weighting by market cap without me having to put any effort into it.

[@jackcarraway4707]

If you want to be more aggressive, opt for QQQ, VGT, MGK or any growth ETF. If you'd rather mitigate risk in exchange for stability go with a dividend ETF like DIA, SCHD, VYM, etc. If you want a jack of all trades, go with VOO or VTI.

[@TobyNewbatt]

Great summary Jack thank you!

[@Thurgor_Supreme]

You don't need dividends and bonds until you're retired. Shareholder payouts are wasted potential for growth

[@MeltingRubberZ28]

​@@fandf50u still alive

[@Thurgor_Supreme]

@@in_my_mind7781 BND for sure. VCLT if you're comfortable with a little more risk and have a tax deffered account

[@pistopitpit]

Dividend paying stocks do not provide any more stability than stocks which reinvest their dividends. It’s the same level of volatility between the two.

[@niceguyali]

BANK. Really enjoyed this one. As a new to investing person I appreciate the balanced nature of your advice.

[@steveong4738]

Great video. I am waiting for the US correction and then buy an index fund on the S&P 500 and keep it for 20 years. I agree with WB. The compound interest effect is the way to go. Thanks.

[@jec1ny]

Bank. Great video. My portfolio is mostly S&P 500 with smaller positions in an internal index fund and some government bonds. I also have a smallish (about 5%) position in gold.

[@markmiller3210]

When taxes and fees are factored in there is no better choice than a market index for any extended period (say 10 years or more). The best analogy I can give you is the following: I am telling you BEFORE a 15 horse race starts which horse is guaranteed to finish 2nd. If one is foolish enough to say "I will ignore that advice as I think I can pick the winner" than so be it. You can make a hell of a lot of money knowing which horse finishes 2nd.

[@beaverundercover3479]

Thanks for the great question and all the answers.Would love to see a chart of SnP500 FX Sterling adjusted.

[@martin1972win]

Some very good advice which always sounds so clear each time I review this video. It always my base and where I start from to listen to get links to listen to his other videos....

[@jasonbroom7147]

In the interest of full disclosure, Mr. Buffett recommended 90% in a low-cost S&P 500 fund and 10% in cash. Benchmarks exist for a reason. The graph you showed in the video illustrates one very simple premise, that you later go on to reject; all of us are smarter than one of us. By investing in the S&P500, you're basically investing in the global economy, because virtually every one of the companies on that index is a large, multinational corporation. In the last 15 years, investing almost entirely as Mr. Buffett suggests, millions of investors (including yours truly) have realized more than 15%, on average. Some people are worried about globalization and BRICS and what have you, but the US still has a tremendous lead in per capita GDP. Things are always changing but, as you pointed out in the video, so is the S&P 500 index.

[@shingetsu10]

​@@melc4308How can you possibly be in the negative? Rates don't fall below 0%

[@jogon2433]

@@melc4308bro ofc 😭2 years is nothing

[@keldbrodthagen618]

@@melc4308I didn’t make a profit the first three years, but now 8 years after I bought the first ETF/Share I am up 63% percent. Ishares core S&P 500, Berkshire is 80% of portfolio. I am not a trader I buy shares every year and have a 10-15 year horizon.

[@Brian-zg9ff]

@@shingetsu10this can’t be a serious comment

[@drpepper9438]

​@@shingetsu10oh dear

[@LemonMan91]

Bank. As someone that's brand new to investing, these videos are providing great insight. Thanks!

[@TobyNewbatt]

My pleasure!

[@abdulrahman31350]

The snp500 would always be my largest holding. That being said I still like diversity and well i personally dont believe that i can beat it, however i like exposure to different markets. I also believe that opportunities will present itself where we can capitalise on some gains. I believe europe maybe set for growth.

[@anishadsouza6175]

opinion is better than advising where to invest. good one ... keep it up

[@marcwareham9351]

With a return of just over 10% a year it’s very tempting to just buy the S&P 500. I do also like VMID FTSE 250.

[@TobyNewbatt]

there's no guarantees in the future, but as long as you can put up with short term pain, stick with it long term and we should do ok :)

[@dallassukerkin6878]

I have found VMID to have been a disappointment over the past couple of years - holding on in the hope it will eventually turn Green :chuckles:

[@marcwareham9351]

@@dallassukerkin6878 the thing I like about FTSE 250 is it has a higher dividend yield than the S&P and is less overvalued. With dividends reinvested it provides a bit more diversification and historically has actually outperformed the S&P 500.

[@dallassukerkin6878]

@@marcwareham9351 That was the logic I followed when I elected to get into the fund - we can but hope that it justifies our belief at some point :D

[@pistopitpit]

This temptation is a good old returns chasing example.

[@booksbikes4953]

Bank! Thank you for these videos. Getting into this in my late 40's and these videos are invaluable.

[@MeltingRubberZ28]

The international part is a hard argument for me. If you look at a significant portion of the holdings of the SP500 they all do international buiness so claiming they are purely US is really a misnomer.

[@Pierceb2]

Bank, good video you can also skim off some of your gains into Large Cap Value and Small Cap Value to increase your returns over long periods of time and add a couple of percent additional average return and lower your volatility a bit.

[@GTPLAYBOY]

Great video Toby! After much deliberation I’ve decided to invest in two index funds - S&P 500 and FTSE 100. And just keep putting money monthly into both! 👌🏽🇺🇸🇬🇧

[@TobyNewbatt]

Nice one thanks buddy! Good luck now its all about that long term

[@tomashehir]

Dud you put it into Distributing or Accumulating?

[@garethedwards2000]

Are you based in the UK? I am fairly new to this and want to invest in the same markets. How did you do it? Thanks

[@Anon-nv7bp]

Ftse 100 is trash. Get a ftse all world etf

[@jonathonwelch7675]

VERY good video. Around 4 mins in, was a bit mind blown. Picking stocks for the long term is difficult. Especially if you are doing it part time.

[@fudbeer1]

I spent a lot of time researching the S&P over not just good times but also tough times and although thats historic I am convinced long term it will deliver good results.VUSA is by far my largest holding.You just have to accept as with any stock market investments there will be fluctuations and there is some risk.

[@chloewinterbottom3473]

Hey how can you actually invest in it because i use a couple of trading apps but i cant find anywhere to invest in s&p 500

[@BoyvanHeugten]

​@@chloewinterbottom3473depends on where you're from. If in Europe, I recommend DeGiro. Search for ticker VUSA this is a vanguard S&P500 ETF

[@sid35gb]

VUAG is now available on vanguard U.K. platform it’s outperforming VUSA and you can effectively buy the same holdings as VUSA for less money per unit. You don’t have to be a rocket scientist to work out that’s you’re gonna make some easy money because it will rebalance to catch up with VUSA.

[@OllieX123]

New to investing and very happy my thoughts were similar to yours: core investment of S&P500 with some riskier-higher return indexes and then emerging markets indexes as smaller parts of my portfolio.

[@goober-ll1wx]

Yes it really is that simple, but almost no one can do it. I've been doing it for 22 years now and its worked very well for me. I've pressed Vanguard in the past on why they do not offer any GBP hedged funds, they said that over the longer term currency valuations net out and the cost of hedging adds too much drag on returns to be worthwhile.

[@UTP504]

So it’s not really worth it anymore in your opinion!

[@wholeNwon]

Even very small added expenses related to currency hedges, etc. (assuming that those guesses were always right) make really HUGE drags on total return over decades.

[@TimelessWealthMentor]

I'm in Canada, watching this a year later and found it very helpful! Thank you!

[@loutol2952]

Nice one Toby. VWRL in my SIPP and Vusa in my ISA.

[@chhitijpahari1011]

Vuag

[@jamesc328]

BANK Great video, S&P 500 is mosly what I have, then I took a risk on S&P 500 Energy early 2021 and that has done well.

[@TobyNewbatt]

Very nice James! literally the only sector to do well in 2022 if i'm not mistaken!

[@WASfishing]

Very interesting video Toby, love the comparison of the S&P 500 company list back in 2003 - as you rightly say you wouldn’t be able to predict which companies make it big 20 years later. I’ve consolidated all my Vanguard into LS80 now, I like the fact you are invested into 14 index funds diversified globally (as well as bonds) and the UK weighting helps with exchange rates, plus the fact Vanguard rebalances for you. Hopefully I’ll make some money in the next few years 🤞 💰

[@ShakurasStalker]

How did you diversify globally? Is it all on the same exchange, or did you make accounts with other exchanges?

[@MadderPrinciple]

Great video! I take the point, its a great index which evolves overtime! I prefer to back the world with a twist - include a small cap index fund! All you need!

[@fredatlas4396]

Spread your risk and buy ftse all world, or msci world, ftse dev world. At least if the US underperforms over next decade you won't totally mess up, and in the longer term if things change the index will reflect that and the US etc will make up a smaller or larger percentage of the index. Stick with cap weighted broad market indexes at least for the majority of your portfolio

[@jaketaylor7060]

What one do you use?

[@Level70-x4d]

Except the the US is 70% of the FTSE..

[@fredatlas4396]

@@jaketaylor7060 Vanguard ftse all world etf. Vwrp

[@fredatlas4396]

@@Level70-x4d currently ftse all world index has US approx 60%

[@fredatlas4396]

@@jaketaylor7060 Vanguard ftse all world etf. Vwrp

[@bencoutsoudis3813]

Tony great listening to your powerful knowledge of investing , really learning from your vids- I’m just starting my journey now… I’m looking at investing in SNP 500 and ETFS over the next 25-30 years . MY questions I would be very grateful of your answers:- 1. Which type of S&P 500 fund ie (VUSA) would you recommend as being the most popular for this time strategy ? 2. What funds would be best to put ETFs and index funds into a SIIIP OR SS ISA? To mention I currently have 20K in a personal pension and was thinking of transferring to SIIIP ?

[@Xodey]

Regarding your point about 'Not even the biggest hedge funds beat the S&P 500' - My friend worked for a huge hedgefund in the UK and he explained it to me..They don't need to. If they're scalping stocks for 1-2% with a portfolio of £650,000,000, they don't need to take bigger risks.

[@Drift0x]

So what's the point to invest in an hedge fund that underperforms the market? Better to invest in the market with an etf

[@Xodey]

@@Drift0x Because if I go to a hedgefund with £1million...They can, with confidence say 'We can make 4% per year with that'. If I go invest £1million in ETF's (mind you most people don't know the best markets to invest) I'm not guaranteed anything.

[@Drift0x]

@@Xodey you are not even guaranteed with hedge funds. They can say they are going to make 4% a year and actually make you lose 20% a year. There are no guarantees in investing, the difference is that passive investing is safer.

[@thomasferber480]

Bank :) very nice Videos, great explanation and Arrangement using the Charts and effects. Keep up the good work it is encouraging and a pleasure to follow! What would be interesting for me which tools you use for your content creation, perhaps something for a future video.

[@benlord977]

Hi Toby, I read a recent vanguard projection for 2023 that international stocks excluding the US and also emerging markets, in their view, were likely to out perform the U.S. markets over the next 10 yrs. There’s obviously quite a few different etf’s available for these and wondered what your take on it was / perhaps whether there’s some in your opinion which might be good to look at? Thanks

[@Thurgor_Supreme]

That very same Vanguard has an ETF called VT. Highly recommend for international diversification. The USA might be king, but sometimes they'll slip and fall and you don't want to miss out on other opportunities as they're struggling to get back on their feet

[@123pepijn123]

I monthly put about 40% in CSP1.L, 55% in VWRL and 5% in ETH. Works extremely well for me thusfar.

[@TobyNewbatt]

Keep it up, simple always wins :)

[@marshallmason1]

Good overview. S&P 500 really is all you need, maybe even too much. As you say, "just like the weakest link, if you keep losing money, you're finished." Problem with the S&P 500 is that it still has a lot of weak links. Much better to just skim the top 10% and drop the rest. XLG does this, and gets better returns with less volatility. And, yes, 50 companies is plenty of diversification. You can go as low as 20-30 and still be fine, which is why the Dow Jones has always done nicely.

[@0xbitbybit]

Great video, also the same questions I had on my mind, with the superpowers of the world changing, China catching up and probably overtaking the US soon, it's hard to just blindly have faith that things will be as they always have been.

[@elliotfisher8884]

Highly unlikely that China successfully overtakes the US. If they do, their population collapse will halt that progress in the near future. Long term still looks positive for the US market.

[@timcomley5948]

Easy on china

[@MeltingRubberZ28]

This aged like milk

[@Wolleee]

so even if China is growing more and more than the US. American and specially European companies are heavily invested in China and South East Asia and will also make their profit there if the market continues to grow. But for myself i decided its not worth the risk to buy chinese stocks.

[@pistopitpit]

Economy is not a stock market.

[@sonofaguppy6708]

I’ve been investing in SCHG for the past few years and it’s done well for growth, but thinking to sell and buy into VOO instead. S&P is a bit less risky, providing both growth and value.

[@Asif24960]

80% VWRL 20% S&P 500. That’s my portfolio

[@TobyNewbatt]

Nice and simple with a bit more weightings towards US :)

[@manishparmar7637]

Pointless investing in VWRL when 60% of it is VUSA anyway. Stick to VUSA

[@Asif24960]

@@manishparmar7637 right now lots of overlay with the US but what if in 20 years that’s not the case. Can’t go wrong with a global fund

[@jakubkrejci8219]

@@manishparmar7637 But If you want more US stocks, then SNP is the best way with almost zero fees. I also have VWCE with VUAA in my portfolio, about 80:20 also. Right now America got about 60% of WORLD Index, but in 10 years.. It could be 50, or 40.. Who knows.

[@ozone8839]

@@manishparmar7637 not pointless at all, these funds are actively managed. VRWL might not always have that 60% weighting towards the US and is just a safer play if another economy overtakes the US. You can also buy the VUSA index to weight yourself more towards the US if you want that extra exposure. Having both funds offers you more control over your weighting towards the US if you still want to also have that exposure to the entire planet.

[@OfficialBigBoyBruce]

Bank lol I have invested in S&P500 and Vanguard FTSE All world. Now chilling until I hit 60 years old. Adding in the dips and buying monthly.

[@markdillon5494]

Vanguard FTSE Global All Cap for me.

[@TobyNewbatt]

Solid buddy!

[@moritz445]

@@mecarrIt is too risky for many to just invest in one country. Many expect,that the US won’t be the powerhouse it is right now in let’s say 10-15 years, considering the uprising of the BRICS as an example.,

[@playingFTSE]

Nice job Toby - got a lot of interesting points in here.

[@TobyNewbatt]

Thank you!

[@MAXERNEST]

what would happen to the S & p 500 if the Dollar ceases to be the reserve currency? i am thinking of the petro dollar losing its hegemony in world trade , i still think US stocks are vastly over valued , tech heavy not so sure with all the job cuts ,and the threat of AI on the horizon , just my opinion btw.

[@bennydover9235]

If the dollar ceased to be the reserve currency then what would replace it? I believe the world is too used to a standard reserve to go back to the olden days of a currency free for all in trading, makes things too complicated. The two main options are the euro and the yuan. Europe has its own problems with euro-skepticism on the rise but is a better choice than the yuan. Capital will not tolerate a “communist” power with a history of manipulating currency. Also authoritarian governments have an achilles heel, once the leader dies it’s chaos. Xi does not seem to have an heir and the guy is almost 70. Is the dollar a good reserve? No, but its what we have. If the US went back to the Bretton-Woods agreement it would greatly increase trust

[@jamesm9995]

You’re over thinking

[@truthteller2711]

@@bennydover9235euro will replace it for sure

[@marcnewcomb1002]

Just leave in the bank mate and lose 2-10% per year 👌

[@lucasboustani361]

HI, thanks for your time and effort to explain this topic, best wishes!

[@TobyNewbatt]

Glad it was helpful!

[@paulevans4056]

Great video Toby. My wife and I have only recently discovered your channel and we love the content. I just have a quick question. Vanguard's Equity Index Fund Accumulation vs S&P 500. Which would you go for now if you had 10k to invest with regular investing for the next decade? Our gut tells us the former. Be great to get your thoughts.

[@TobyNewbatt]

Thanks Paul, I also think the former for two reasons, no need to worry about the dividends and then also some more exposure and diversification. Presume you mean the US equity fund? 👍👍

[@paulevans4056]

​@@TobyNewbatt yes the Vanguard US Equity fund 👍

[@drbenirusani]

@@paulevans4056 Hi, but why? The fund has a 0.35% expense ratio (more expensive than any S&P500 ETF).. and It has a 10-year annualized return of 7.25% (lower than any S&P500)

[@drbenirusani]

@@TobyNewbatt Hi, but why? The fund has a 0.35% expense ratio (more expensive than any S&P500 ETF).. and It has a 10-year annualized return of 7.25% (lower than any S&P500).

[@TobyNewbatt]

@@drbenirusani that’s past performance chasing just looking at the S&P 500. Many times during history the US market has lagged behind the rest of the world so I prefer to own all of the world…which includes every stock in the US as well. Remember all the S&P 500 is just a much more heavily concentrated index fund . A global fund has all of the same stocks inside it 👍

[@timcomley5948]

I’ve been investing for years, these are great videos very informative.

[@TobyNewbatt]

Thanks Tim!

[@casiowatchers7511]

After selling up my entire stock portfolio last year (well, not quite everything - damn you Evraz) I’ve recently been considering getting back in come April (new ISA allowance) and only investing in the S&P 500. However, all of the money I took out of stocks I used to top up my Premium Bonds and as crazy as it sounds, I’m not sure I want to take it out of there now so if I do invest again then it’ll be a slow build process. I’ve held my Premium Bonds for 7 months and am currently averaging a better monthly ROR than I did with dividends in the stock market. I’ve got a lot of thinking to do between now and April 6th 🤔

[@TobyNewbatt]

Always a tough one getting back in! Anything can happen, totally comes back down to how long you have, what you want to do and your own situation. Maybe ease in slowly!

[@ItsLloydM8]

I would only use Premium Bonds as a means to store cash savings and not think of it in terms of returns or long term wealth. Premium Bonds will pay out on average 2.55% for the capped £50k limit per year with no compound interest. An S&P 500 tracker historically has averaged around 11% annually. With compounded interest and DCA investing over a 10-30 year period you would be crazy to choose Premium Bonds solely over a 500 index tracker for the best ROI.

[@casiowatchers7511]

@@ItsLloydM8 Premium Bonds now have an average 3% return, but there’s always that chance I could get a sizeable win that would smash that ROR. I’m not saying I would ever solely keep money in Premium Bonds, just that I can’t see myself taking out a large chunk to put back into the S&P 500 and instead will have to build it up slowly each month. I have a good pension in my line of work, so it’s not like I’m having to build my own retirement fund and can give myself some thinking time in regards to my next move.

[@casiowatchers7511]

@@TobyNewbatt Anything I build now will be completely separate to my work pension, which in my line of work should be pretty solid, so that’s one less thing to be concerned about and gives me a bit more freedom with how I play things in the coming years.

[@TobyNewbatt]

@@casiowatchers7511 Ok bud, just take it easy and find what works for you.

[@mpho438]

Buying into an index fund like the S&P 500 is like buying America, like Warren Buffet said. And historical data has shown that even in the worst financial crisis and stock market crashes in human history the index fund has done well sustainabley so, this is not just taking the words of Gurus like Warren, which I believe most of us should follow through, after reading the intelligent investor by Benjamin Graham, I think the best way is to dollar cost average between s&p, another international or known index fund, over a period of time. But it's easier said than done, just as you have stated, thank you for yet another insightful video, definitely subscribing to this channel.

[@TobyNewbatt]

Great comment and welcome :)

[@DarrenFeeney]

Just came across your channel Toby, currently working my way through all your video's. My head hurts, but great information especially for a newbie like me. Not actually started investing yet, but will be soon, just need a clear picture where to start, was thinking Vanguard with an S&P index fund plus something else. Looking to invest monthly over a long period. Any recommendation would be helpful? Keep up the good work.

[@TobyNewbatt]

Welcome Darren! All good take your time and no rush. You wont go wrong in my view starting with a nice low cost broad index fund - S&P 500 is always a nice one plus maybe emerging markets or even some FTSE 100 or FTSE 250 but all up to you! Or be simpler than everyone and go global :). Lots of options. Make the most of your ISA too!

[@richardstracey5555]

Also a newbie. How do I use my ISA in investing?

[@chriswilkinson1224]

BANK...another great video Toby, keep them coming mate 👍

[@uncountableuk]

One thing that helped me over the last 25 years was to have a single benchmark to test against that never changes throughout your investment life. For me, I decided that FTSE 100 is my life long benchmark, so every investment decision I take is measured relative to that. As it happens, most of my portfolio is also FTSE, so I'm hitting benchmark without having to do anything. The rest of my portfolio is S&P and some international. That's currently valuing under my benchmark largely because of changes I made in 2022. The key thing is that no investment decision should be considered in isolation, you have to weigh it against the opportunity cost (which for me is ftse100)

[@TobyNewbatt]

Wise words Chris - lots to learn here for all of us!

[@uncountableuk]

@@TobyNewbatt funnily enough, I never considered world index to be my benchmark. I think if I were starting out now, that would make a lot of sense

[@CrippleMrOnion]

Bank - Enjoying your content - I've left investing a bit late but doing what I can.

[@TobyNewbatt]

Never too late, but yes clearly you just have to be very careful about how you approach things! Good luck buddy thank you!

[@ollyb7570]

I’ve only ever saved, never invested but want to start. I’m deciding between going all in on the S&P500, a world index fund or both 50/50 as part of an ISA. Is either option diversified enough or should I be thinking of bonds too? I’m taking Warren Buffet’s advice and avoiding picking stocks. Plan to invest consistently for next 20 to 30 years (holding back a rainy day fund in cash savings).

[@TobyNewbatt]

Hard to ever give a proper answer here buddy as really this is up to you, your own level of risk (I realise most of us are still figuring this out!) and what you feel comfortable with. If i was starting again, i'd probably say keep it super simple and go global - you can always add more S&P if you want more exposure. Bonds - you could even just get a Lifestrategy fund or similar with everything in one? Timescales are great 20-30 years give you all the time you need, nothing is ever guaranteed though we're all in this together!

[@finnwheatley2194]

I mean if you buy the global total index then you own the S&P by default

[@TobyNewbatt]

@@finnwheatley2194 Yep exactly Finn, and then if you really want overweighted, you can add more :)

[@ollyb7570]

@@finnwheatley2194 thank you, that makes sense.

[@quokkapirquish6825]

If you'd put £10 into Berkshire Hathaway in 1964, you'd have $700,000 today! Investing small amounts over decades is a clever strategy. Your old self will be thanking your younger self one day and just knowing that you have a plan in the background working for you will make you much more relaxed about money, one of the worst stresses in life. Do it!

[@coderider3022]

5:39 these “benchmark” funds which managers can’t beat aren’t trying to beat it. They need to balance risk and produce some sort of income so I do think this can be thrown around easily. E.g. I would seriously worry if my work pension was 100% equity in one market dominated by a few companies.

[@TobyNewbatt]

Yes that’s true not all funds are solely made for performance but a risk adjusted performance, or even some other goal. This is a minority of funds though, and the point remains that active managers cannot and do not beat the market return 🥲

[@shirleneunglesbee1423]

My advice to new inveestors is to bvy good company stocks and hold them for as long as the company is good. Simply ignore the forecasts and market perspectives, which are at best entertaining but completely useless. My portfolio grew by $300,000 in gross profit in just 5 months; the key is to diversify your portfolio and you will see amazing results by inveesting wisely.

[@alexanderdimitar7154]

My portfolio has good companies, however it has been stalling since last year. I have approximately $200k stagnant in my reserve that needs growth.

[@gagnepaingilly]

As with any big financial decision , it’s important to keep your guard’s up for economic risks. However, smart planning, time management and seeking advise from a financial adviiser can help keep you and your money safe.

[@blaquopaque]

@@kansasmile Mind if I ask you to recommend how to reach this particular coach you using their service? Seems you've figured it all out unlike the rest of us.

[@blaquopaque]

@@kansasmile This is useful information; I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.

[@ramonmacedo4834]

great video! thank you for bringing this marvelous points. As a Brazillian, investing in a strong currency is a must. Also, bank!

[@Me-ll4ig]

I’ve just invested in the S&P500 only for the last 3 years. Thinking about diversifying my ISA but will certainly be staying with the S&P500 in it as well.

[@devononair]

The bulk of my ISA is split between an S&P500 tracker, an emerging market mutual and a general mutual. I buy individual shares too, mainly for the enjoyment of it.

[@redarmy5894]

Bank..... i use to wonder why Bp and Shell use to charge me for filling up my tires, thanks to your channel i now know it was just inflation. The old ones are the best ;)

[@TobyNewbatt]

Hahahahaha

[@XwytreX]

Maybe instead of just S&P 500, we can go into the three-fund portfolio where we invest into the US market, World Ex Us market and the Bond market. For me, since I am from Singapore, my strategy would be to invest in the S&P 500 (VOO), World Ex US (VEU), my own country’s bond, some Singapore REITs and Singapore’s own index (STI). Let’s just hope my strategy will work out in 20-30 years. We shall see.

[@TobyNewbatt]

Sounds very sensible to me!

[@alessandroverallo9707]

Sounds like you'll be rich in 30 years mate. Just keep pouring in 200/300€ a month into an index fund religiously and it'll all work out

[@XwytreX]

@@alessandroverallo9707 I hope so too! I'm currently a final year University student and paid off my student debts through my savings and some scholarships. Gonna start working in 6 months and will increase my investment amount from then on.

[@Knightsthatsaynih]

Why is one of the most sensible financial advice in a KZbin comment?

[@scottmcgilvery8511]

Right mindset from the start of working life - “stay the course” as Jack Bogle would say

[@malcolmxedmonds]

BANK, Bank-you for your balanced advice!

[@TobyNewbatt]

Bank you very much for watching :P

[@Noah-ts9dy]

Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy have been earning $ 60,000 returns from my $7,000 investment every 10days..

[@js5189]

Global all cap is my main choice. I think there is more room for growth.

[@joshgilderdale99]

BANK 🎉 Your vids are always so informative, love it!!

[@TobyNewbatt]

Thanks Josh! It’s only possible with great support thank you!

[@nickd1973]

Bank! Thanks for another great video

[@christopherflynn843]

BANK All world for me. Markets fluctuate enough without worrying about currency. The UDS is becoming cheaper so I could be tempted if the pound gains enough in strength. Great video Toby.

[@augustleoberonis5369]

Good thinking

[@yippie6862]

"BANK" If you were based in the USA what percentage of your portfolio would you allocate to International? Thanks

[@delroyc77]

Always look forward to your videos ✊🏾 Bank

[@TobyNewbatt]

Thanks Delroy!

[@TwitchRadio]

I like JQUA and RSPT.... I use these two to cover the S&P... But I Also have DGRO for my core dividend index and I picked two other indexes that I like over all... ICLN & Vegi ( a personal pick).... Not sure how well this is going to hold up over time but took 6 months of research to come up with these five index funds and I opted out of a defensive type of Index Fund due to the fact I have physical gold and silver for that need... Very little overlap and the ones that do over lap, the way is low enough to where it's not overwhelming the rest of my portfolio, and I look at it as doubling down in the top ones I would of wanted to anyways... the only two things I do not have in this portfolio is Emerging Markets or International, REITs and bonds / treasuries.... but I do plan on adding it to my portfolio as the prices keep going down due to what's going on... (looking at REET, IXUS when time is right)

[@Mr.Nice3000]

BANK - Thanks for the video! 😊

[@arturovalenzuela547]

BANK! Seriously, thx for the vid. Subscribed.

[@TobyNewbatt]

Thanks for watching! :)

[@Paul_M1BLX]

Great content - Bank!

[@allentham5497]

Bank! That's for the informative video!!

[@Msky144]

VT - just one instrument for the whole World !

[@halfdome5705]

BANK, I know much more than I did 11 minutes ago. Thanks, Tony.

[@LAVISHLUXXSHOP]

Great video !! Just what I was looking for .

[@RUSHIRAJ]

Amazing analysis ❤❤🙌🏼🙌🏼

[@petebullard5982]

BANK - great video thank you

[@stevenukiteyedi]

Bank . Thanks for the knowledge fam

[@bachhoang8217]

how come you don't have 1mil subs yet? Brilliant content

[@TobyNewbatt]

Thank you! one step at a time :)

[@wholeNwon]

Bank.I've invested in the S&P 500, or its approximate equivalent, beginning long, long before you were born. The math. is inescapably correct and I have benefited accordingly. A few grammatical errors aside, your video was correct. Will most viewers benefit from your words of wisdom? Probably not because they will be reluctant to add funds according to the calendar rather than sentiment when the markets are selling off and much worse yet, they will sell. NEVER SELL!!!! Fear and greed are the worst emotions for an investor and the hardest to overcome on the way to success.

[@DavidRancourt-x6b]

Bank. Really enjoyed this video - thank you.

[@TobyNewbatt]

Thanks David

[@Thurgor_Supreme]

I've been tempted to KISS and just do 50% VT and 50% VTI

[@billbimson2408]

Lot of food for thought here. Gonna start charting my picks against the S&P and I suspect I might be switching a chunk.

[@slyborgl]

Bank, lol 😂 great video! ❤ I appreciate u sharing your knowledge with us 😊

[@casual7938]

BANK, got to love a bit of pound cost averaging (or dollar cost averaging)

[@TobyNewbatt]

Absolutely

[@TheEmolano]

Nikkei is the best example of what can go wrong with a index fund. If the economy stagnates you may still be able to generate returns in individual stocks.

[@andrewah15]

Great video. Very informative. Thanks and keep up the great work 👍🏾😎

[@nr5919]

Great video. Thanks!

[@STORMTROOPER-98]

The stats have proved it. Over 5 year period - average 30-40% return. The S&p is already diversified. My plan for January sell my 13 funds in my SIPP -Im going all in into VUSA.

[@jonathan-lara]

Bank - really good. Would be great to get your thoughts on a totally diversified portfolio using only index funds.

[@Predatr-bf9kd]

I have a roth that i max out. I just dump into vtsax and swppx. Then my brokerage i just buy VOO and any extra i just hold onto in case something goes up like NVDA. is that good. I’m like 25🤷🏻‍♂️ Idk if i should talk to a professional

[@JayneMckechnie]

Bank !!!!! as always another interesting video

[@TobyNewbatt]

Thanks again!

[@BrendanAdam]

Bank! Great video very informative

[@eldavimost]

Just wanted to give you a +1 for using Lost in one of your memes!!

[@Kats0unam1]

I have been recently thinking about investing in companies like Nike, AMD or Meta but at some point I’m pretty sure I’ll just stick to the sp500 etf

[@freedombuy4672]

your so upbeat... I like your vid thumbs up

[@jamesstewart3681]

I am completely knew to this. I have £10k and commit £300 a month. I keep getting told to invest in the S&P 500. Is this an ISA that can be opened with Hargreaves & Landsdown? Is the interest on this compounded? Can anyone send me a link???

[@JBrynnJ]

Bank. Love the peep show reference too.