My Investing Plan for 2022

[@NolanGouveia]

Love it!! That's how I earned 6 figures in 2021 passively purely from index funds. Invest consistently in to great ETFs with low fees and stop buying the hype surrounding individual stocks. Long term if you want to build real wealth, it is boring but it works. Good luck!

[@JoashLindo]

Forgot to get back to you on a previous video - Sorry it took this long to get back to you. I think what does it for me is the dim lighting and the general calm demeanour that you give off when speaking. You're not shouting at us to buy or sell something so that helps. Your videos also are very informative but concise which is something I personally appreciate. Even your longer videos do not feel like they're needlessly long. Hope this helps

[@nickjm4108]

Thanks Joash. I would hard on not repeating myself (if I do - I cut in my edit). Will never shout to buy anything 😂 thanks for your support

[@higgy4508]

Really good video Nick and such a far cry from screaming youtube shillers with misleading thumbnails. Love your honesty on various matters and it's opened my mind up to a few options too

[@anishpatelwork]

Good luck in 2022, hopefully it all works out for you mate

[@nickjm4108]

Thanks Anish - you too!

[@willlsmith8063]

Fantastic insight … thanks for this one really enjoyed it .. all the best for 22

[@davidthomas-ot4cl]

£220 a month with only 6k subs is a lot more than I thought you'd get. But I had no idea it takes 12 hours to film one video and the costs half your profit. Still if the channel takes off, then it's passive income forever and all of that effort will pay off. Keep going.

[@bedwards96]

Excellent video as always Nick. Hope you had a good Christmas mate.

[@coolmonkey619]

Please don't lose the transparency it really sets you apart

[@nickjm4108]

Got nothing to hide 🤗

[@TheCompoundingInvestor]

That’s really informative. Good plan to use as much of the ISA as possible. I like the sound of that All World ETF, I think I’ll look into it.

[@jeffsmith4879]

I’d be really interested is seeing a video on your business start-up Nick.

[@nickjm4108]

Thanks Jeff. Will look into it :)

[@robbink5434]

Thanks for sharing your thoughts. Good luck on reaching that 110k! All the best!

[@nickjm4108]

Thanks Robbin 🙌

[@stephenmarsh87]

If I have kids I am making you their godfather ASAP 😂😂😂 Great content and would love to see the start up video 😊

[@drew9312]

Really interesting video & appreciate your transparency. Well done. Look forward to following your progress in 2022.

[@nickjm4108]

Thanks Drew :)

[@titsonafish]

Exciting 2022 ahead! 🐶 All the best Nick, enjoyed watching your journey through the year.

[@nickjm4108]

Thanks John - appreciate your support

[@TobyNewbatt]

Enjoyed this one Nick!

[@nickjm4108]

Thanks Toby!

[@mylomorris1]

Really good video, Nick. You’ve got a new subscriber!

[@nickjm4108]

Thanks Sean :) Trying to improve as I go!

[@tmilsted]

First time viewer it’s nice to see the total transparency and the fact your English with £’s. I’m 2/3rd Stocks and 1/3 Crypto. I don’t believe individual stocks are silly if you do the research if much rather own a company like Tesla or Coinbase compared to the S&P500 that is propped up by 10 Tech blue chip companies

[@nickjm4108]

Hey mate - thank you! Have a video series coming out on stock picking in a few weeks :)

[@davidmelrose8051]

Hi why don’t you stake your cro in the DeFi Wallet I’m getting just under 13% return . Thanks for all your vids this year have a great 22

[@adamwilliams1980]

Great video Nik! Inspiring as always👍

[@nickjm4108]

Cheers Adam

[@solsouthgate5079]

Great video! Interesting that you're not choosing to but anything into Crypto, I was expecting you to be putting at least a little into the top ten say... Can I ask why you chose Crypto over say Binance?

[@nickjm4108]

Hey Sol - When it comes to investing, I want everything to be straight forward and simple. I personally found binance as interface horrible and confusing (similar to how I feel about etoro). I also loved the Crypto dot coms eco system (Visa cards etc)

[@travellingwillows2579]

Keenly watching where FTSC 100 heading to in 2022 and hope to get more update from you...

[@nickjm4108]

Why the FTSE 100?

[@travellingwillows2579]

I have invested in Vanguard Life strategy along with world index...I suppose Life strategy's higher portion of this in the UK market and hope that it may start getting better?

[@minimad8793]

so it's coming up to 12 months, how are you doing so far?

[@alett88]

Thanks for the very informative video, what are your thoughts between VWRL and Global all cap? any particular reason you went with VWRL? thanks again

[@nickjm4108]

Hey Alett - I funnily did a podcast on this which went live on Monday (over on a KZbin channel called making money simple) if you want to listen to the detail but in summary, mainly because it’s cheaper

[@alett88]

@@nickjm4108 I’ll definitely check it out thanks a lot. After lots of research I also opted for a single fund portfolio, however I also see people with 3-4 funds and a rate of return of 40+ percent! The silly thing IMO is that the funds overlap potentially doubling the risk. E.g holding vwrl, vusa, and life strategy 100. Would you agree with my assessment? Thanks again for your time

[@nickjm4108]

@@alett88 How can you send an example of this 40%+ return portfolios?

[@alett88]

@@nickjm4108 i also follow all the honeys ( which you also mention) and in her December portfolio update she speaks about her 180k portfolio you can see she has 47% return with 4 funds. Vwrl, vusa, life strategy and vfem I believe. Maybe I am reading things wrong or misinterpreting the numbers , just wanted to hear your opinion . Thanks 🙏🏽

[@nickjm4108]

@@alett88 Just watch out with these numbers and what they mean. My portfolio is show as 62.61% return but this number is based on IRR which weights the impact of money based on how long its been in the fund for. It doesn't mean all my money has grown by 62%. Same Marta at ATH's

[@anastasiiagudyma4347]

Thanks for sharing. Very interesting.

[@danielsmith1253]

great vid as always Nick

[@nickjm4108]

Thanks Daniel

[@natpurr5165]

Congrats on becoming a godfather and uncle nick!

[@nickjm4108]

Thanks Nat 🤗… let’s see what the financial impact is 🥴

[@maltesetony9030]

Good luck!

[@LasVegasImp]

Useful.

[@hanahowey]

thanks for sharing! 🙌🏽

[@nickjm4108]

Thanks for commenting 🙌

[@MakingMoneySimple]

Great video Nick! Everyone thought post-covid times would be a bad time to invest, yet we've seen incredible growth the last year. Best advice is to just get started with whatever you can! Also great to see you earnt 800 odd quid with Roamler, nice little earner that can be funnelled into investments!

[@Limbs993]

Great video, Nick

[@nickjm4108]

Thanks Paul! A lot of editing on Christmas Eve 🤗

[@farmle8554]

which the camera are you using?

[@nickjm4108]

Canon M6 Mark 2 EOS :)

[@patseymour6973]

Fellow Sheffield graduate here too!

[@nickjm4108]

🙌 2012 here

[@gerry2345]

I like this vid. Good insight.

[@nickjm4108]

Thank you 🤗

[@Openfilmmakerstalk]

All great info, but 0.43% is not that cheap for a collection of ETFs ;) All-world ETFs can easily be found for 3-4 times cheaper. And that's quite a bit in say 30-40 year span. Soz for the unsolicited 2c :)

[@nickjm4108]

Send us a link - highly doubt theres a total cost of 0.1% when you add everything in but happy to be wrong.

[@michaelrichard817]

im looking to save to 100k in 4years what would you guys say the best way about going about doing this bearing in mind i want to invest £500 a month but i feel having money in the bank is not worth it anything would help!

[@nickjm4108]

Hi Michael - a responsible return from the market would be around 7.5% but 4 years is too shorter time frame to have any level of confidence in that but just to help flesh out a plan, use 7.5%. Based on starting at £0 and investing £500, after 4 years you’ll only have £27,877. To get to £100,000, you’ll need to invest circa £1,800 a month to even give yourself a shot and even then, the market could stay flat or worse, decline.

[@jimbojimbo6873]

Probably worth mentioning this is US specific Because the FTSE has done bugger all

[@nickjm4108]

The vanguard fund performance?

[@lamarquesita3459]

How is it going 6 months later?

[@nickjm4108]

Watch this space 😏

[@jayjaytr1849]

its not free 25 dollars just for signing up you have to stake 300 pounds worth of cro to unlock it

[@nickjm4108]

Yeah it’s locked but it’s still yours. It’ll go up and down as CRO increases and decreases in value. Not bad for being… free 🤪

[@linglee8632]

do you own any real estate?

[@nickjm4108]

I do not outside of my own house.

[@zanychelly]

1:50 They keep posting that, someday they will be right lol

[@nickjm4108]

A broken clock is right twice a day

[@matthumphries5449]

Put some in SP500. End of

[@nickjm4108]

Majority of VWRL is 😂

[@troydyall6624]

dont use the link, its a con people! you have been warned!

[@coolmonkey619]

Are you in your 30s

[@nickjm4108]

Yep - early 30s

[@lewisbrown51]

Why not just say what your salary is, rather than p!ss us off to look for it.....? Good luck ya dumplin

[@nickjm4108]

Good luck Lewis Brown - ya spring roll

[@adamnewell2310]

First

[@nickjm4108]

As always