Investment ISA: Open a Stocks & Shares ISA with Vanguard (2021 TUTORIAL FOR BEGINNERS)

[@JayCampbellMaximiseYourMoney]

"There's only 2 days that matter in the stock market, the day you buy and the day you sell" 👏🏽 Very well said!

[@JenniferAMThomson]

Yes! Thank you!

[@ambervictoriac]

I'm 21 and just opened my first stocks & shares isa with vanguard!

[@DafyddMorse]

At 21 you're well on the right path to be doing this now. Well done!

[@nkaneti]

you are so smooth with how you explain things, I usually have to skip and speed up videos just to get to the point but not with your content :-)

[@JenniferAMThomson]

I appreciate that! I will be working on my style for sure in 2021 to make sure I'm getting better though.

[@jonathandoyle9941]

Opened a S&S isa with vanguard in February after watching your videos for a couple months - at 15% growth so far! Can you maybe do a video to review the new pie library feature on trading212? 📈

[@rinariya2422]

Thank you for saying that as I bought a one off for £500 earlier this year and its been negative since.

[@Sirramiss]

Great video Jennifer, you're the reason I opened a Vanguard account and I can't thank you enough :)

[@JenniferAMThomson]

Great to hear!

[@fayeplunkett338]

This content is so good, I have crawled through KZbin for a long time and this is brilliant

[@bigshoestofill1019]

Thanks for this. It's a great help

[@KTN2317]

I’ve watched a few of your videos and I am really enjoying them. I would like to know if you have done any tutorials on what to do/how to cash out on your investments ?

[@jodie1074]

This is a really valuable video thanks for the context and going through it step by step! It can be really daunting when you’re a beginner and not sure what to do! I’m going to open my stocks & shares ISA with vanguard at the weekend!☺️

[@JenniferAMThomson]

You're so welcome!

[@gavinwest6873]

Great video Jennifer,if I invest in vanguard etf through e Toro will I still have access to my account through the vanguard site also ?thanks.

[@FreeyourFinance]

A really easy video to follow. I love vanguard, and feel very comfortable holding my portfolio with them! Hope that you and your family had a lovely Christmas Jen.

[@JenniferAMThomson]

Same to you!

[@TradingWithCJ]

I have a lifetime isa & stocks one! Lifetime one is amazing 25% bonus! We’ll take it haha

[@mariamanuel3399]

Thanks you for your explanations that help me to open account with vanguard. 👏🏾

[@JenniferAMThomson]

No problem!

[@ifee2644]

this was really helpful, thanks

[@hattiebrazeley3351]

Best thing I did in 2020 and I did it because of this channel! Thanks for your tips Jennifer!

[@JenniferAMThomson]

That is awesome!

[@jimmycakes7158]

One thing I can't get my head around is the compounding aspect and how it works with these long term funds. Let's say you have £100k in a fund and it goes up 3%, and the next week it drops -1%, haven't you just missed an opportunity to sell and get the 3% gain to reinvest? But the objective is not to sell these funds and leave them alone, so where does the compounding come in?

[@delfyy9699]

inflation mate

[@slayerrocks2]

The World is full of gamblers who thought the could accurately predict the future. Many fail. A few succeed, and then fail. A fewer amount make it big. You have to be very knowledgeable to even try to beat the market. Compounding occurs when your gains contribute to additional collateral that also gain. There will be swings, which is why investing is long term. You ride out the dips, because, in the long run, the gains are higher. Don't panic and pull out when they drop. If anything, that is the time to invest more.

[@charugera7654]

Great content! Could you please do a vlog on General Investing Account and the tax implications of investing in it? I couldn't find much info about it and your videos clear and simple to understand. Thanks

[@benjitsu85]

Great video but how are you supposed to know how much the shares are selling at, it only asks how much you want to invest

[@stewartgriffiths5189]

Really enjoying your videos, could you possibly do one on investing for your child, e.g. parents wishing to invest for their new-borns future.

[@spoardy703]

Literally just looking into this now on another site and your you tube video came through, thank u 😏

[@JenniferAMThomson]

Glad I could help!

[@fanyeros123]

As always you make it so easy and simple... 2021 will be my start

[@Zupez]

I've finally found your channel and am really inspired about getting into index funds as an investment. I've never invested before which is why this simple investment strategy appeals to me so much and I really want to make it work and reap the rewards. I currently obviously have my regular bank account although don't own any sort of savings account or ISA, although am looking into doing so so I can atleast gain a little interest on my wealth. I'm just wondering what do you think I should do regarding this situation, should I open a Savings/ISA with my regular bank chain or should I open a Vanguard ISA, or both. Any help would be appreciated!

[@maxelbrig1315]

Awesome stuff, transparent, practical nothing scammy - keep it up, mate. If you had 50k in the bank, how would you invest? Real estate 60% Stocks & Shares 20% Bitcoin 20%? Would love to hear your thoughts?

[@zimkitch]

Nice work Jennifer. Couldn't tell if you can apportion your monthly payment across more than one fund. Say 50 in vusa and 50 in vwrl for example. Presume that's do-able? Thanks

[@rogerkretzschmar8280]

Hi, Great advice as normal. At age 55 with finally some money to invest would I be better off maxing out my contributions to my workplace pension or open a stocks and shares isa? Thanks Roger

[@luisbirocchi6580]

MamaFur, I really like your videos. I would like to know from you what you think of the Lloyds bank's investment shares?

[@katesarkar1053]

Thanks so much for your videos! Can I ask… I like several of the vanguard index funds, do you think it’s a good idea to have a few, like open one per year and pay into that (I know you can only have one per year) or just stick to one? Many Thanks!

[@soniabest6888]

Hi, very helpful video. I have gained soo much knowledge about investments just watching your videos. Always very clear and easy to understand and straight to the point. 👍👍👍👍👍 I have a question about life strategy accounts. If I choose lifestrategy 100% and 15 years later I decided to take my money out, if at that time the stock market perform very very poorly is it possible tat I loose all my money? Or is it just for tat particular year that I would have lost money? Your answer will be greatly appreciated.

[@alexmuller702]

Great video, thanks! Stocks & Shares ISA question: is my yearly 20,000£ allowance defined by the amount of money I pay in or defined by the value of the stocks & shares I hold? For instance, if I pay in 19,000£ and then a month later the market value rises to 21,000£ because the stocks do well - am I still within the allowance or have I exceeded it? Many thanks!

[@madeleinesmith8199]

Haha, wish I had this 4 days ago when I opened my Vanguard Stocks & Shares ISA :)

[@JenniferAMThomson]

Next time!

[@navd2442]

Thank you for the explanation. I have no stocks ISA yet, so if I open a stocks ISA today ie in March, can I open another ISA with another broker in April ie next month as it will be a new financial year?

[@shaun9407]

If I've already paid into a stocks and shares ISA during this tax year, should I open one here too? I'm aware I can't pay into 2 S&S ISA's during the same tax year, so maybe a general account may be a better option? Grateful for any advice. TIA

[@LisaMurray-eu3xp]

Quick question - you mention cash goes in tax free and out tax free but you are setting up a direct debit from your bank. Can the cash go in direct from your business account rather than taking cash from business and getting taxed? If so, can this also work for a (L)ISA account too (straight from your business account)?

[@penny8838]

Say you choose income and then manually reinvest the cash, does that reinvested cash count towards your isa allowance?

[@ivyriegodedios5456]

This is helpful!!! Thank you so much!

[@JenniferAMThomson]

Glad it was helpful!

[@garethchambers11]

Excellent Video again, thankyou! Can you lose more than you put in with an investment ISA? In the event of a stock market collapse for example?

[@SL1CKSHOT.]

so i open an lifestyle100 with the direct debit, then added 2000 to my accont and it says i have no cash available? i wanted to add it to the bond, can anyone help?

[@Maestro234]

Hi Jennifer Ive watched a fair few of your videos now and you have convinced me to start investing rather than just keeping my money in a savings account. With Vanguard can I open an investment Isa & a Pension (need to start one)? also Could i set up the isa with say £500 but also set up a direct debit of £100 at the same time? Its something im looking to do imminently as I want Financial Freedom for my family to. Thank You and keep up the great work

[@callumdean7079]

Hi Jennifer. Concise & informative content as always 👌 definitely want to begin investing but had 1 question.. Can I transfer funds from a Vanguard general account to a Vanguard stocks & shares ISA? I recently opened a Lifetime ISA with Moneybox & understand I'm limited to only paying into 1 type of ISA per financial year. Ideally, I would open a Vanguard general account now, begin investing, then transfer funds to a Vanguard stocks & shares ISA at the turn of the new financial year (6th April). Thank you!

[@lyndseymayali9191]

Regarding Vangaurd fees: There are three ways you can pay - you can set up a Direct Debit, top up your account with cash using a debit card, or if there's no cash in your account Vanguard can sell some of your investments to cover it. The fee is payable every three months. Any ideas if one method is preferable over the others?

[@JenniferAMThomson]

So the admin/fund fees they will usually sell off some of your investments to cover it (if you don't pay for it by a certain time) or you can deposit cash for the amounts every 3 months and they use that for it by default. I would say cash means you don't lose out on potential funds being worth more down the line.

[@lyndseymayali9191]

@@JenniferAMThomson hey thanks so much for this, yes that makes sense. ☺️

[@boltageist]

keep up the good content, i regularly rewatch your videos and being from the UK its hard to find direct, honest info. youre helping alot of people here! I am setting up my Vanguard ISA but I cant see the option for the S&P 500 Accumulative fund (VUAG) It only gives me the option to pick the VUSA which is distributing. Any ideas? Thanks

[@sashankthag12]

I currently have help to buy isa running with 5k and monthly 200 going in. This was started 2019/20. I want to open stock isa with vanguard fresh or can I transfer my help to buy to vanguard? Or run both. As I do not want to buy a new build and do not want to not be able to let the house. Please suggest.

[@Bossman525]

Hi there. Would you recommend investing the full lump sum of 20k in one go?

[@m.allmark]

I've added the cash to the vanguard account. When I click switch or invest I get errors. Switch says not available for the selected account (ISA) and invest says buy an investment ISA. I want to allocate the cash i've added to the account. Any idea? Thank you

[@tabs5375]

Can I just say a massive thank you. Between yourself and a podcaster (if that's a thing), you've really helped me start my investing adventure. I've been looking at it for a long time but your videos really break down all the 'fuzz'. I swear this stuff should be taught to anyone and everyone. So, thank you :)

[@JenniferAMThomson]

Glad to help!

[@sergirm]

Hi there, is it possible to buy stocks from specific companies? Thanks!

[@501CM]

Do the vanguard previous years performance only relate to a lump sum investment? If you were drip feeding monthly deposits, the performance could be completely different?

[@vascularlab]

Thanks Jennifer , another great video.

[@JenniferAMThomson]

You are so welcome!

[@beverlybangasan1034]

isa allowance is 20,000 a year

[@taggthis]

Good video which explains it all so well. Thank you. Just a question 🙋🏾. I recently opened a vanguard account and isa this week. For the new financial year, do I have to open another isa, or will it automatically reset and adjust to my 20,000 allowance? Does that make sense?

[@JenniferAMThomson]

No you just use the same one. You can only deposit into one Investment ISA per year though but can have many opened (just only one active) so if you want to use another provider you would have to wait until next year OR move across your vanguard investments to them this year instead to add funds to it.

[@taggthis]

@@JenniferAMThomson thanks!!!

[@KP-fy8fm]

Thank you for your videos - they are very helpful and easy to understand. I just want to ask as I'm hoping to open an Investment ISA. I currently have a Loyalty ISA with my bank - does that count toward the £20,000 a year limit?

[@jasmineg8847]

Thanks Jennifer! what a great video. Can I please ask if you can buy individual stocks as part of the vanguard S&S ISA?

[@JenniferAMThomson]

No unfortunately it is only Vanguard funds you can buy.

[@knowledgeTherapy]

Hi, thanks for another great video. I am investing in long term in VUSA, VWRL,LifeStrategy 80%. What are you thoughts on investing BTL income in SSISA?

[@livingladolcevita7318]

Hi Jennifer great videos just haven't managed to see them all yet. Wondering if you could give me a couple of pointers. 1 I have had a quick look on vanguard about junior isas and I would like to set one up for my nephew and niece. I realise I am not the guardian etc and can only gift it but is it possible to set up direct debit and would my sister have to set up the initial account, do you have a film to cover this? 2. I am 64 now and would like to invest say £20,000 initially, which I know is my annual limit, then monthly sums, perhaps to lock away my money for 5 to 10 years. I think choosing a ready made portfolio would be better for me as I have no idea about the various companies. Wondering if you could point me to which area to look at. Have you done film about what happens to ones account if one dies? Ps not planning to yet of course ha ha.

[@fayeplunkett338]

Hey, really helpful. How do they take their fees?

[@Pasas87]

everybody is talking about vanguard and how to open account and this video is helpful thanks but no one is showing current prices etc. once you bought s&p500 for £2000 for example can you check how is it going? are there diagrams etc like in other apps etoro eg?

[@abernardes2]

Hi Jennifer! Really interesting video! I have a question. I have an ISA cash account with my bank, which I understand I can transfer to Vanguard Investment ISA. But I also have a ISA help to buy which I opened to buy a property, do you think that would be problem? Could I still open a investment ISA with Vanguard?

[@ARW.7]

Maybe a silly question but if you put a certain amount in each month, does it make sense to remove all the money at the end of a financial year, or just the profit from the interest but keeping the rest of the money in if you’re well below the £20k limit?

[@fanyeros123]

Hi Jenny 👋. Please can you tell me what is your opinion about that to open an S&S ISA and keep contributing for nex 5 years to gain a good deposit for my first house. Am really new in dose things 😌 many thanks again

[@ajitnair2555]

What is everyone doing for appreciation before 5-10 years? I mean what sort of investment options that starts creating an income stream before 5-10 years?

[@error-un3fo]

i heared this has changed and now you need a pention account to avoid paying tax on any profits you take out, is this true?

[@KyuubiRNG]

Last year on the same video, I followed and started my ISA as I graduated uni and started a job. Back then you recommended the 100% equity Fund, same place you selected £100 on this video. Would you still recommend the same one after a year?

[@MarcinPolanowski]

Great video as always! Well done.

[@JenniferAMThomson]

Thank you! Cheers!

[@alicehelps6767]

Hi. So I have put in £4,000 into my Lisa and £2,400 into my help to buy isa this year. 1. Does that mean I have £13,600 left to allocate into any other isas I have? Also I am aware I can’t get the bonus on both the Lisa and HTB but for me, the Lisa works best so I am continuing to save in the HTB as the interest rate is better. I can then withdraw it for no cost at a later date and keep the interest if I’m correct. 2. Which is the best S&S ISA in your opinion? And 3. NS&I bonds don’t come into an ISA do they? E.g if I have saved into my premium bonds this year does the amount saved need to come out of the £13,600 I think I have left to allocate into any ISA’s I have this financial year? Thanks in advance!

[@anishmajumdar8043]

Thanks for the great videos Jennifer. One question though. I think you can open an account even if you’re not a U.K. citizen but a resident. I.e. Have an active NI number and live and work here and pay taxes. Right?

[@Sandy83]

You can, I'm in the same boat and I activated my account last week.

[@linasg90]

@@Sandy83 thank you, you just replied to my question!

[@keironjames1516]

If you make a loss during the tax year on stocks inside a S&S ISA can you still use the loss to offset CGT against gains in a leveraged CFD account? Hope that make sense?

[@oliviaolivia7011]

Is there any monthly fee for ISA account ? Thank you for a great video !

[@andygs0306]

Great informative video! If I were to transfer in a S&S ISA from another provider, with a value of around £1k, will this be regarded as a £500 minimum lump sum investment or will I still be required to set up a regular monthly transfer of £100+?

[@00el04]

another valuable content for people into investing! :)

[@JenniferAMThomson]

Glad you think so!

[@andybird6539]

Another well presented and informative video, always great content. Is there a way around paying into a Help to buy ISA and a ISA for financial independence seems unfair that you have to choose as you cannot have two active ISA accounts( I would like to see the kids have property but also invest for the future), what advise would you recommend. thanks

[@JenniferAMThomson]

Hi Andy- you are allowed as many different types of ISAs as you wish using the £20k allowance total (Help to Buy, Cash ISA, Investment ISA, LISA etc) just not too of the same ISA type (ie Investment ISA).

[@andybird6539]

Ok I understand now, thanks for explaining it. Have a great day.

[@debbh274]

Nice video

[@jimio7336]

Hi Jennifer, would one have to invest £100 every month to open a stocks and share ISA with vanguard? I would appreciate if anyone else can answer this question.

[@cardermedia]

If you have an active Trading 212 ISA account, does that mean that you have to cash out everything from there in order to apply for a Vanguard Stocks & Shares ISA?

[@lmbreal6912]

i have same question, haven’t find an answer yet😬🥺

[@David91690]

Have either of you found an answer? I want to do the same thing aswell aha

[@johnunni85]

Hi.. can I have 2 stocks and shares isa accounts open in the same year ? Say one in vanguard for the funds and another one in Hargreaves/or any other trading app ?

[@fovos9484]

question - can you only invest and shares isa in index funds and not lets say another single stock

[@JenniferAMThomson]

Depends on the platform - with vanguard it is only their index funds and options.

[@pablogreene6886]

Hi can anybody tell me what the yearly returns on a Vanguard stocks & isa is? Percentage wise?

[@rhinobulldog]

Would you recommend putting in a lump sum at the beginning of the tax year or spread your £20000 across the full year?

[@JenniferAMThomson]

Personally we do monthly amounts and then add to it in larger lump sums over the year as we feel inspired.

[@rhinobulldog]

@@JenniferAMThomson Thanks for getting back to me, you’ve been a big help.

[@Benwilliaams]

Question: Can I opt for the £100 a month and then cancel it so I've just got £100 in there and I could then insert whatever I want? for example £20 one month and £200 the next? (happy for anyone to answer)

[@thomasbyrne8498]

If I opened a LISA in the last tax year, can I open a Vanguard ISA this year?

[@Nayyjay]

thank you for this, question if I use up my allowance of 20,000 for 2020/2021 with vanguard ISA can I then add another £20,000 in 2021/2022 financial year into THE SAME Vanguard ISA? or do I have to open a new ISA with someone else?

[@grinouna75]

@Nayy Jay You can keep on investing in the same account for year 2021/2022

[@bertneo5402]

Vanguard life strategy funds. Can you please clarify for me re the minimum sum required. Is it either £500 one-off or a monthly direct debit of £100? So if I wish to set-up debit of £50 monthly, I need to put in a one-off sum of £500?

[@JenniferAMThomson]

It is either £500 lump sum OR £100 a month to open. So to place £50 a month into it, you would need to open it with £500 lump sum.

[@bertneo5402]

@@JenniferAMThomson Thank you. I intend to open an JISA with £500 and then a monthly debit of £50.

[@ivanerviti]

I was really surprised by the fact that there are no tax deductions on the money you earn from this. Can you just cash out the money whenever you want to? Does it have any penalties or fees to do so? Thank you!

[@linasharma6260]

Brilliant video - Do you know if you have a lifetime ISA with moneybox which was opened this year jan can I open stocks and share isa with Vanguard ?

[@liamhopson2913]

Yes. That would be in the previous tax year you opened the LISA so absolutely no effect. Regardless, you can still open one of each type and pay into one of each type each tax year (provided you under £20K total).

[@Zen-zh7ke]

Hi, I have a Help to Buy ISA on my Main bank account which is HSBC and it's still going. Is it still possible to open a Vanguard ISA even if I have an active Help to Buy ISA in my account please? Thank you. Please answer my question.

[@damiennana5655]

Thank you for this video

[@JenniferAMThomson]

My pleasure

[@cocacola1873]

I’ve just got a Q. So I’m quite young and not on the highest income, would it be recommended that in any case, you max out your yearly £20,000 investment ISA before investing on other platforms such as EToro and Coinbase, for example? Thank you

[@JenniferAMThomson]

I would say looking to max out your allowance for tax free options is a great idea first where possible, but all depends on what you want to invest in.

[@rauf4130]

I think it's worth noting that there are 2 types of these ISA investments, ones that allows you to invest in funds like the Vanguard and ones that allow you to pick individual stocks and shares. I mistakenly thought this was the latter but Vanguard only offer their own selection of funds and do not allow you to pick your own individual shares. Not a criticism, just a clarification.

[@JenniferAMThomson]

Hi Rauf - so there isn't two types of Investment ISA. An investment ISA is just the wrapper type that contains investments of some kind - it is the platform you choose that allows you to either pick their funds (like Vanguard) or more choices such as bonds/individual companies/crypto.

[@rauf4130]

@@JenniferAMThomson Thank you so much for clearing that up, bit of a shift in how I thought of these investment vehicles. Saw your video on Trading 212 which also helped. Different ISA's have different ranges of investment vehicles so you have to pick one that gives you the options you are looking for our might want to invest in. Much appreciated and thank you for helping to demystify the world of investing.

[@nickm808]

Subscribed👍

[@Rydia704]

So is this still tax free on gains? I'm getting confused. Is the lifestyle strategy a stocks and shares ISA within vanguard?

[@JenniferAMThomson]

The Lifestrategy 100 is a blended fund (an investment product) that you can buy within a Investment ISA or General Investing account with Vanguard.

[@Hambo04]

Isn't the 'Cash' option also there so that Vanguard can withdraw their fees without taking it out of your existing investment(s)?

[@JenniferAMThomson]

They will do that - alternatively if you don't have any cash there they will sell off some of your funds for the fees due too.

[@Makurendende]

Thank you. I opened a stocks and shares ISA with Vanguard in 2019 and it has given me 24% return as of now. My question is: can I open another stocks and shares ISA with Vanguard in 2021? What will happen to the ISA I opened in 2019?

[@JenniferAMThomson]

Once you open an account that is you for as long as you want it to be open. No need to open another one every year, you simply keep adding to it.

[@edsoncaetanoalbuquerque8214]

Can I invest only £1000 lumps? In stock and share ISA OR I have to pay 20000 yearly? How much money I need for this investment

[@barryloraine9028]

A question about ISAs. I opened one this year with vanguard. At the end of one year what happens to it. Do I have to renew the ISA or does it just carry on with the same tax free status ?

[@JenniferAMThomson]

It remains open with your funds in there. Only closes when you move it to another provider or you cash everything out.

[@barryloraine9028]

@@JenniferAMThomson thanks

[@mhoward181]

Are some investment ISA free to open? I went onto free trade and it said I would be charged £3 per month for the ISA account. Do others offer it for free? And if not is £3 per month reasonable

[@iman7510]

This may be a dumb question but you know how you say you can put £20k of your salary tax free into an ISA, how does that work for people working in the nhs? The nhs automatically deducts the tax off your pay and you just get the money after tax?

[@DSRM01]

That’s the same as every job 😂

[@Indowaindowa]

valuable content

[@rosebyrne660]

Does it have to be £100 in one or could I start with 4x£25 pounds?

[@JenniferAMThomson]

I believe it can be any amount making up the £100 monthly or £500 lump sum - but you need to place the opening order so that it equals £100 total (for example picking four £25 orders at same time).

[@theactivator7273]

I'm new to investing, I don't have £500 and can't really afford £100 a month, what would you advise?

[@JenniferAMThomson]

I would say to check out another investment platform that allows for smaller amounts such as Trading212/Freetrade/Moneybox

[@super8man807]

I've just opened an ISA with Moneybox but now want to switch to Vanguard. I've only put £40 into my Moneybox account and haven't invested it yet, does that mean I won't be able to open another ISA this year?

[@JenniferAMThomson]

You can't open another Investment ISA until the new tax year sadly but you can transfer to them instead as an option.