Unless you are Warren Buffett, it seems like the smartest/most realistic strategy is to try to increase your income and just invest the surplus to index funds…One less thing to worry about in life
@Matt-u8f5 ай бұрын
What do you do when Index Funds (S&P500, for example) are at an all-time high in terms of PE Shiller ratio? Lets say you have a lump sum of $150k to invest. What do you do then?
@Shamele555 ай бұрын
@@Matt-u8f spread it over 12 months?
@Garcia0615 ай бұрын
@@Matt-u8fthis is the question nobody wants to answer. You could strip out the overvalued ones manually. Build your own. Not cheap though.
@MrDuncl5 ай бұрын
That is exactly what Warren has recommended a few times and has specified in his will. To give my answer to the second persons question look at Pound (Dollar) Cost Indexing.
@PhillCurtis5 ай бұрын
Wondering whether it maybe good to do a video on inheritance, like a lum sum, property etc For many they would want to learn to navigate the options available. It's rather a lot to think about given someone close has passed away. Having a video for those people to turn to maybe good. A difficult subject as you don't want to provide specific financial advice but a range of options / implications 👍
@ritalally70185 ай бұрын
I echo this, would really appreciate a video on inheritance and the 7 year rule, I need Ramin’s invaluable clarity on this thorny issue.
@MrDuncl5 ай бұрын
One suggestion I saw which could be useful if there is more than one beneficiary is to have a clause in your will "the house will be sold". Speaking from experience here.
@MrDuncl5 ай бұрын
Just to add, it would be interesting to know if Ramin ever gets involved in such things. My late parents will was written by a IFA. I will never know if a solicitor would have been a better choice. When my Mother died we paid a different IFA from the same company £6000 to sort everything out. That was money well spent as the inheritance tax was actually about £20000 less than I had calculated. A final comment is that due to fiscal drag more and more people will be paying inheritance tax without some forward planning.
@EdfromCanada5 ай бұрын
Excellent video. Accurate, to the point, easy to understand and very useful. Thank you.
@Pensioncraft5 ай бұрын
Glad you enjoyed it! @EdfromCanada
@MagicNash895 ай бұрын
That asset class chart is amazing, so many things Ive never researched like structured deposits etc. Unfortunately, many are not exactly available to me
@mda99das5 ай бұрын
could you do a video on investing in India? There are banks like ICICI that have mutual funds that have done very well. These are managed by prudential.
@davidjones41305 ай бұрын
I second this
@MrDuncl5 ай бұрын
Fidelity have an India Focus fund, which to date has done quite well. Fingers crossed as I have an investment in it.
@davidjones41305 ай бұрын
@@MrDuncl ditto , I'm in the inshares India fund . Expensive fund though
@timetraveller30635 ай бұрын
This is such an excellent and informative video Ramin to thank you as always
@Pensioncraft5 ай бұрын
Glad you enjoyed it @timetraveller3063
@TomsPersonalFinance5 ай бұрын
Great video, Ramin. I'm a big fan of factor investing and I completely agree with you regarding quality. It is the most convincing factor and seems like it'll be the easiest to stick to over the long term. I use quality factor ETFs for the core of my portfolio and I consider other factors, such as value and momentum, to work better as small satellite positions given they seem to have long periods of significant underperformance.
@george69775 ай бұрын
Bogle found US value and US growth produced comparable returns over the long term but investors bought and sold at the worst times so underperformed the fund's return. They would have been better off just owning the broad market.
@TomsPersonalFinance5 ай бұрын
@george6977 interesting, thanks George. I find factors don't seem to work as well for the US market in general. The data is much more convincing on a global level.
@minasmina27005 ай бұрын
Please note that the iShares MSCI Quality Factor ETFs track the MSCI Sector Neutral Quality indices and not the MSCI Quality Indices!
@TomsPersonalFinance5 ай бұрын
@minasmina2700 yep, it is a shame but I make do in absence of an MSCI World Quality tracking ETF! For non sector neutral quality ETFs, there is UC99. But this is USA only and not the developed world as a whole. The day an ETF tracking MSCI World Quality comes out will be a beautiful day!
@antonisdee5 ай бұрын
Fun fact: market beta is also a Fama & French factor, so by investing in a simple global stock ETF, you are technically factor investing! It also means you HAVE TO believe in other F & F factors, as they are part of the same theory! 😎
@jabberwockytdi89015 ай бұрын
The thing with any new fund strategy is that as soon as ( if) it gains any traction and others start to follow that approach there will be unintended consequences in the market that will act to reduce the effectiveness of any new strategy..
@its1me1cal5 ай бұрын
Sponsored by Trading 212 much better than your previous one you were pushing 👍🏻
@TomsPersonalFinance5 ай бұрын
I was looking for your comment 😂
@its1me1cal5 ай бұрын
@@TomsPersonalFinance lol 😂 we both know which ones we like
@GavinLawrence7475 ай бұрын
Your like the guy who had his heart broken by a girl and won't leave it alone, except this time its a brokerage firm lol
@its1me1cal5 ай бұрын
lol but the proper analogy would be a Guy who had a lucky escape from a gold digger and is warning other guys off that girl so they don’t get ripped off.
@GavinLawrence7475 ай бұрын
@@its1me1calwhat did you get done on FX fees on free trade?
@posterestantejames5 ай бұрын
Today, the first United States pension fund officially allocated 5% of its holdings to bitcoin. This highlights the need to revisit those things we were once convinced of. Said Mark Twain, "It's not what we don't know that hurts us, it's what we know for certain that just ain't so… "
@mikerodent31642 ай бұрын
Ramin, at the start you mentioned equal-weighted index ETFs en passant: have you ever covered historical performance of them? I've been shifting some of my standard (cap-weighted) global index stocks to S&P500/global equal-weighted index ones. There seem to be only a handful of equal-weighted global/world index ETFs in the market. I'm shifting quite slowly because I hate the idea of timing the market. But (predictably no doubt) on the negative front I do think all this AI nonsense is pretty frothy, and on the positive equal-weight is said to favour value.
@javi31215 ай бұрын
Great content, Thank you Ramin
@Pensioncraft5 ай бұрын
Glad you enjoyed it @javi3121
@mattlm645 ай бұрын
I'm mostly invested in diversified factor funds for my equity allocation.
@alexm73105 ай бұрын
...less ulcers is generally a good thing - I'd say! 😂
@glennhowarth52574 ай бұрын
Promo code seems to have expired already, or could be because I'm in Australia.
@annacomnena2175 ай бұрын
S&P deffo heading for 10000 in a few years. Bonds to surge when rates fall. BACK UP THE TRUCK!
@RobCLynch5 ай бұрын
I invest in lottery tickets and earn 10% annually, whilst my losses are 90% 😂
@javiercolladogomez5 ай бұрын
Great advice! Greetings from Spain 😉
@Pensioncraft5 ай бұрын
Thanks for watching! @javiercolladogomez
@peterellwood21035 ай бұрын
Nothing on crypto? Not that I invest in it, but surprised not discussed.
@MrDuncl5 ай бұрын
It would be a bit difficult to dig out charts dating back fifty or one hundred years for that unless you included things like Tulip Mania, which admittedly probably made some people very rich.
@mansfieldfamily53895 ай бұрын
I’m want to invest in things I believe in and care about. How do I make sure my money is going to things I support? Like ethical food production, quality housing, etc?
@TilmanHartleyVideo5 ай бұрын
Look at Parnassus, , Nuveen, Triodos, Impax. These will tend to be actively managed funds, however.
@jambojack5 ай бұрын
Keep the investing simple and use your gains to support the causes you want. When you invest it's a very indirect way of supporting businesses - most of your money is going to the person selling the shares rather than the company itself.
@mansfieldfamily53895 ай бұрын
@@jambojack thank you:)
@TilmanHartleyVideo5 ай бұрын
There are active funds that invest in this way. This is how I invest, personally. I prefer to divest from companies that are not aligned with my values. These funds still make good returns and these gains can also be used to directly support the causes you want.
@mansfieldfamily53895 ай бұрын
@@jambojack I am wondering if it is possible to invest on one's own rather than just giving most of your money to a middle man?
@PhillCurtis5 ай бұрын
I think another video idea which may take you a long time. But videos on each different online platform. How to invest in stocks / funds and bonds per platform - each has a different nuisance - for instance vanguard unit price is annoying imo/ usability is rather poor considering they have aroubd 800,000 uk users. When I first started this journey years ago, if only I'd found something like that - break down the layers so new investors can have a simpler time. To pick the platform that suited me. Knowing about CFD vs isa investing I started making a list of all the things I've learnt but mostly mistakes from buying single equities / lessons. 7 years in, its pretty broad 😂 9% of the UK are investing their money, where as 30% USA - it seems baffling how few consider it important. Likely because they see it as gambling, which single equities are imo.
@DPTrainor15 ай бұрын
Thank You.
@Pensioncraft5 ай бұрын
Welcome! @DPTrainor1
@LetsbeYannis5 ай бұрын
Value investors have massively under performed in 2023. Seems like quality beats value in the long run.
@1966Manjit5 ай бұрын
T212...O.7% charge on investment is NOT commission its a direct charge with different name ...
@CuriouslyInquisitive5 ай бұрын
Just do bank transfer for 0%
@1966Manjit5 ай бұрын
@@CuriouslyInquisitive aha got you ! and thank you for the point which I missed
@stefanzurbruegg20475 ай бұрын
Really useful but where is the link to the ARKK video spoof?
@MrLillywhite20115 ай бұрын
Great video what are your thoughts on JP Morgan Global Growth & Income plc JGGI, I currently hold this as my main fund.
@LarryCohen1885 ай бұрын
Ongoing charge of 79bps, you are better off investing in XLKS or SMH
@jamesbulpitt94225 ай бұрын
Great video 👍
@Pensioncraft5 ай бұрын
Thanks 👍@jamesbulpitt9422
@helengao32445 ай бұрын
Where to find the uk equite pie created by Ramin mentioned in this vidio in trading 212?
@Pensioncraft5 ай бұрын
Hi @helengao3244 here they are: AssetMix 20 www.trading212.com/pies/l7rG716ZJqLWY5phzozz3L9WmJyQ AssetMix 40 www.trading212.com/pies/l7rG716ZJqLWY5phzozz3La22agv AssetMix 60 www.trading212.com/pies/l7rG716ZJqLWY5phzozz3LeBTjjT AssetMix 80 www.trading212.com/pies/l7rG716ZJqLWY5phzozz3LeGrZwQ AssetMix 100 www.trading212.com/pies/l7rG716ZJqLWY5phzozz3stZbScr
@LarryCohen1885 ай бұрын
Can you kindly share the link for S&P active vs passive dashboard?
@Pensioncraft5 ай бұрын
Hi @LarryCohen188 here it is www.spglobal.com/spdji/en/research-insights/spiva/
@LarryCohen1885 ай бұрын
@@Pensioncraft Thanks so much very helpful. You are very kind
@jimbojimbo68735 ай бұрын
Diworsification
@GavinLawrence7475 ай бұрын
wait! 0DTE options gambling isn't a viable investment strategy?!?! 🤣🤣