The Best Vanguard Index Funds to Buy in 2024

These are my picks for the best Vanguard Index funds/ ETFs that you can buy. Let me know if you'd add anything else to these. Hope you have a successful year of investing ahead!
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[@seanroger6954]

You can't go wrong with picking vanguard dividends ETFs, especially for newbies. majority tracks the yield returns about 15.7% yearly on average, now imagine when it’s well managed. It's a no-brainer to go with dividend paying ETFs.

[@wilsonaaron3930]

Sounds like you are totally crushing it. Great work!

[@seanroger6954]

Absolutely, at the start, during the pandemic my portfolio fell from 630k to 270k, That could scare a lot of people. It did! It revealed a lot, it’s more easy navigating with an experienced prospect.

[@jessicamegan5850]

I’ve trimmed my portfolio in ISA down to 24 stocks, im averaging £1,250 a month, so steadily growing with low dividend yields in them. I’ve been a victim, I just want to model out what success looks like while also improving

[@seanroger6954]

A sound method would always provide more interest no matter what, which is why, despite the concerns of those who have lost money trading, there are those who attain profitable returns. Best possible way, is participating behind top experienced performers.

[@seanroger6954]

coach Frost hilda, takes good care of my holdings giving me an edge to successful interest.

[@lja8187]

Thanks just started my journey with £300 in Vanguard S&P 500. It's a start! Planning on £150 a month.

[@TobyNewbatt]

Welcome aboard the investing rollercoaster :)

[@sonnyjuke]

Still don't know how to open the account, how do I know these companies are safe I feel like I could lose my money in a click

[@RickSanchez-dn6rd]

@@sonnyjuke Start small. Trade 212 seems like a good place.

[@IanB.]

Would like to see the difference between investing in Vanguard paying fee’s from the portfolio and fee’s from the bank ( over a lifetime ) ISA might be capped at £20K but fees don’t have to be part of that 20K limit

[@dylantucker7951]

Really helpful video, clearest I've seen on the topic, thanks! Would love to see a video about dealing with past financial regret and moving forward with investing - I believe it's such a barrier for many, including myself.

[@UKGeezer]

Almost 9% up across my investments so far since I started investing in May, pretty damn good compared to cash savings. Probably gone and jinxed it now and it will all start tumbling downwards, lol. I prefer Invesco and iShares over Vanguard as they tend to be cheaper, but hey that's just me 😊 Happy new year to you, Toby.

[@mitchellstewart6745]

Well done on your gains! Are the OCF fees comparable to VG funds? Vanguard always screams low fees compared to funds like these so I don’t understand how they are cheaper unless you are referring to share price but vanguard funds can be bought fractionally so that would not be a valid statement.

[@maltesetony9030]

Excellent summary - just the right amount of detail.

[@TobyNewbatt]

Thank you kindly!

[@novinfard]

Thanks for the video. It’d be great if one of the videos you indicate the real return of the money with famous indexes considering the inflation impact

[@ilikethischannel5719]

Hi which fund had been paying the best dividends, is it possible to see previous years dividend results for the funds, thanks!

[@user-wx3ve4fn9r]

Hi great video I have got all these index funds you have said in this video just starting out and the only other index funds are from the UK Fft 100'and 250. I am using trading 212 and have £100 in the s&s 500 and £1 each on the other index funds you have said in this video, would you let me know what else I could add or take out, Any advice would be appreciated thank you

[@yidz3435]

I invested in ftse developed world ex uk index should i switch and if so how do i do it on vanguard ? Have a bit of money in my isa towards it so if i move my monthly investments to a different fund such as all cap or s&p would it be pointless?

[@DestinysJesus]

Only just realised 3 days ago they added accumulation to the S&P 500 and Developed World. Quickly swapped everything over hate having 16 quid sitting around doing nothing as cash

[@TobyNewbatt]

Glad to help, Vanguard are rubbish at marketing these things. Agreed that all te little bits of money adds up over the years and I'm glad they have the accumulation versions now.

[@tomatosauce605]

Can you give your view on the Vanguard Developed World ESG ETF?

[@kainetibbles5399]

What do you think of ishares or spdr or xtracker ?

[@Dannyhusayn7180]

Hi Toby, is there a website you use to identify large growth funds that can give you comparative analysis of alike funds and overlap %?

[@young1781]

amazing video mate, very informative appreciate it 👍

[@TobyNewbatt]

Glad it was helpful!

[@jakeghosh5651]

I’m fairly new to investing and own FTSE Global all cap index and the S&P. I’m looking for a good third index fund or ETF to invest in that’ll diversify my portfolio further. Any suggestions?

[@benpascall4297]

Why invest in somethinv the same as what you're already investing in? If you're investing in an all world ETF you already are diverse.

[@gift4636]

Hi Toby..question What happens to our t212 shares if we unexpectedly die? Will the next of kin automatically become the owner of these shares ?

[@lolavonwrinkle1617]

Like anything else it would become part of your estate. Write a will.

[@DansPCGamerHD]

Just about to start investing, I have put a £100 direct debit on s&p500 and £150 on VWRL for a start, its not much, but its a start

[@TobyNewbatt]

Well done and welcome aboard the rollercoaster of investing!!!

[@techworld-kc6lt]

More best funds to buy hallelujah

[@zeea6507]

Great video thanks for sharing currently invested in VANGUARD INV FDS FTSE GBL ALL CAP INDEX

[@TikalEmpire]

Hi Toby, I have a question regarding the Acc & Div shares. if you have the acc version your volume of shares do not increase like it would when reinvesting your Div payments to buy more, so if the Acc reinvest automatically wouldn't it be more expensive to buy more shares in the long run as the Acc shares don't fluctuate as much ad the Div version? Thank you 😁

[@rakk7049]

I've also wondered this - how does the Accumulation version improve and grow your share count - or 'Units' as Vanguard call them. The quarterly payments are normally paid out at say (december 2023 for example) $0.3362 for every 1 share held. Do you not get "Unit's Held" in accumulation versions?

[@finnwheatley2194]

Yes it would. Acc shares will get more expensive over time faster than Dis shares. The manager will usually split every so often to manage this

[@steve6375]

You have to pay tax on dividends. Acc shares mean no tax as long as you dont sell and so should grow faster. I don't get why anyone would buy Div shares and then re-invest, even if within an ISA...What am I missing? You can B&B or B&ISA each year to minimise CGT.

[@rakk7049]

@@steve6375 Even accumulation funds do in fact have to pay dividend tax. It's called notional distribution. The amount that would be paid out and automatically reinvested in the accumulation fund is still liable to tax, and outside of an ISA has to be declared if over the yearly allowance.

[@christopherquadt9031]

@@steve6375 Well, if u are located in europe, then u will be taxed on the reinvested unrealized amount every start of the year, its called the vorabpauschale. Yes, it sounds illegal and yes we hate it but what can u do... The European countries want to keep you poor so u are dependent on them... We also don't have a 401k or any help.. For me personally, I would rather have dividends taxed and hold the etf forever than have the acc version which I would have to sell at retirement and have a double taxation ^^

[@lifeisagame2023]

I like the idea of sticking some dividends in standard high interest accounts. Kinda bonus money on bonus money 😂 I know you don't see it as bonus money lol

[@Gonk_83]

You don’t have to buy vanguard. Could buy FTWG distribution or FWRG accumulation which are Invesco FTSE all-world UCITS ETF. Has charge 0.15% its 0.07% cheaper than vanguards all world ETF. Great video.

[@TobyNewbatt]

Yes that’s right. This video is just for Vangaurd funds to keep things simple. 👍

[@mohamedelzubeir2718]

Beautifully explained. Best video I've found ever. All different Vanguard profiles were confusing me! Cheers

[@TobyNewbatt]

Glad it was helpful!

[@1292liam]

other good ETF's - GPSA, XSTC, EQSG

[@OhNiftyy]

Great video as always! Is it wasteful investing into the FTSE global all cap & VUAG? Just to invest a bit more into S&P 500 companies but still keeping it diverse?

[@TobyNewbatt]

Thanks! So it’s not wasteful…but you are overweighting the S&P 500 when you already have all of those stocks in the FTSE GAC. Is that good or bad…who knows as we don’t know future performance. Personally I’d stick to one but really just do what works for you 👍👍. Maybe the GAC then some picks on the side?

[@OhNiftyy]

Thanks man yeah I will have a think about it. Nice to see Vanguard have added some of those accumulation versions of funds 🎉

[@ys9484]

Thanks Toby for such a helpful video. I am invested only in the ftse global all cap index fund that you mentioned, and you are right no one knows the future, so I did have a hard time deciding in November 2023 when I started investing. But because I am new to all of this. I feel safe with this fund because the whole world is included, and like you say any company that stops performing well will be replaced by another one that is. So fingers crossed for the whole world for the future 😊

[@mariannerochelle.w4199]

Great video Toby.. Cheers!!!

[@FPLaddict]

Hi Toby, thanks for the informative video! What’s your thoughts on splitting my investments as the following: VEVE 70% VUSA 25% VFEM 5% The fees work out quite a bit less when splitting the all world into VEVE & VFEM as opposed to buying VWRL. Cheers!

[@aaana3]

I have very similar situation and now I am thinking about consolidating everything into the second one from the list in this video 😊 also thinking about S&P 500 - did you ever think about it.

[@kanchansingh-vl3bb]

For a first time invester in the uk which one would you suggest s&p 500 or the ftse global all xap index fund pls?

[@PAZPERDEE]

Thanks for the video, I am leaning towards 90% developed world and 10% emerging 😄

[@curiousjoe395]

Is the difference between VAFTAG and VWRP that the former also invests in small cap? For the longer term, is VAFTAG a better best as far as global funds are concerned? Thanks for all the great content you provide.

[@TobyNewbatt]

Yes the VAFTAG includes small caps where the VWRP does not - there's no way to know if this will be a good thing or a bad thing in the future as we have no idea what small caps will do. But it is nice having some exposure in my view. Will it make a difference in the really long term - probably not, so it's all a personal choice. Maybe a good video subject :)

[@curiousjoe395]

Thanks again @@TobyNewbatt

[@ritz1369]

Hey Toby, great video thanks for the info. I was wondering if you know where I could buy the Vanguard value etf (VTV) please. Can't see it anywhere on the vanguard UK website. Think a VTV fund would be good to have alongside FTSE Global All Cap Index in a portfolio for diversification as VTV I believe focuses on value stocks and the other one more on growth...? thanks

[@TobyNewbatt]

Yes thats right. VT is a US-listed index fund not a UK listed one. We can't buy VT as UK citizens inside an ISA. The equivalent would be the FTSE GLobal All capu mutual fund or the FTSE All world ETF :)

[@suejones6019]

@@TobyNewbattjvtsmx

[@vanessadmello]

Cheers mate learnt so much today. Thank you 😊

[@theporkchopexpres]

Great video. I guess the question I'm left with is what is the cheapest All World Index Fund and which platform is the cheapest to manage such fund. I currently hold a HSBC FTSE All World Index on HL.

[@TobyNewbatt]

hint...it's not going to be on HL :) Although some mutual funds on HL have lower front end costs theres more costs to consider in the back end and the platform costs on HL are very expensive. This is why I use Trading 212 and Invest Engine.

[@dar4171]

Really good video Toby. I’m New to investing in my 50s and thinking about maxing out a S&S ISA this year. Would ideally prefer to use an Index fund on one of the app based platforms, Why did you prefer the FTSE Vanguard funds rather than the S&P in this video? Would one or all of these be suitable for a buy & forget for 10years or so ISA?

[@TobyNewbatt]

I like owning the whole global stock market (for the majority of my investments at least) to ensure I capture the growth of the world. As amazing as US stocks are, that make up 60% of the global market, that still leaves 40% outside that I don;t want to leave out. In the past US vs International has been a back and forth and who knows what the future holds Saying this, I don't think anyone will go far wrong with the S&P 500 over any long time period :) - after all I own all of the stocks inside of it, just at different weights!

[@dar4171]

@@TobyNewbatt Thanks Toby, will try to get this ISA soon👍🏻

[@benfieldhouse3561]

I have the 60% life strategy fund. What is your opinion on that? I also have the S&P and VWRP with Freetrade which has made me a lot more money then the 60% life strategy

[@TobyNewbatt]

I don't like the Lifestrategy funds because they are massively weighted to the UK when there is no good reason for it. Also 60% means there is only 60% stocks inside. For me as a long term investors I dont want any bonds at this stage. Always up to you :)

[@iamyourmaster69]

Great video, cheers

[@Abdul_Rahman86]

Great video. My 2 funds in my vanguard: Global all cap VHYL accumulation

[@polivios13]

Get rid of vhyl u just need global all cap

[@Abdul_Rahman86]

@@polivios13 I totally agree. But VHYL is only 10% and gives me that psychological security

[@julianfp1952]

Just my opinion but, for funds held outside of a tax-free SIPP or ISA wrapper, I hate accumulation funds because even though the dividends are accumulated within the fund HMRC still treats them each year as if they were paid out to you as part of your taxable income so you have to keep "feeding" your investment with cash every year to pay HMRC the tax due on that year's accumulated dividends. And then to add insult to injury when you come to sell your, capital gains tax calculation becomes more complicated because you have to strip out the part of the sales proceeds attributable to all accumulated dividends (already taxed as income) in order to get the correct (lower) adjusted sale price to be used for the CGT calculation. Within tax wrappers I agree, accumulation funds are a great option, but outside of that the downsides mentioned above are enough to make me go for distribution versions every time and manage the income stream and additional unit purchases myself.

[@256mo]

Although most is known for me, that there was an acc s&p500 from vanguard available in europe was new, thanks!

[@TobyNewbatt]

Glad to help and thank you for watching!!

[@myfinancialjourney887]

I have Vuag on Jisa

[@PBayee34]

Thanks Toby, your videos are so informative & easy to follow. I'm a 57 year old man with about £50k to invest. I've just opened a trading 212 account & I'm going to put £20k into an isa, I'll probably split it between four or five of the etf funds you've talked about here.

[@TazBo-wd2ig]

Stick it all in S&P 500 and watch it grow 💪

[@victoriasmithcollins3499]

should I invest in only one index fund, lets say the s&p 500 accumulating fund, or should I invest in more different index or EFT?

[@TobyNewbatt]

See a video I did comparing a global fund vs the S&P 500 this will help 👍

[@CobraMotivatedd]

any chance you could do a comparison video talking about the Australian market for 2024. pleeeeeeease. Most if not all of these are available on the Australian vanguard (or just have different names).

[@TobyNewbatt]

Thanks for the idea :)

[@CobraMotivatedd]

no no... Thank you😂@@TobyNewbatt

[@CobraMotivatedd]

no no... Thank you😂@@TobyNewbatt

[@timlodge8267]

Hi Toby S&P had a cracking year unfortunately I sold all my holding and bought BAT shares as they had a bad day and the price was very good, they pay 4 times a year and can cover dividends twice over, my plan is wait for the shares to rise and I will sell and buy back into VUSA I think the S&P might correct as well.

[@TobyNewbatt]

Good luck Tim! no guarantee those shares will rise though :(

[@timlodge8267]

@@TobyNewbatt Cheers Toby it is not about luck that is something you do on a roulette wheel, it is about moats something uncle Warren talks about a lot.

[@BaileyMxX]

​@@timlodge8267moat in a massively declining industry that's heavily regulated and the Western world governments are cracking down on thus again impacting growth. It's fortunate that it has big margins and ability to raise prices and those addicted will pay it. But it's growth isn't really coming from new users. At some point that has to hurt the company?

[@Christian-ju9zs]

Great video, thank-you

[@TobyNewbatt]

Glad you liked it!

[@Bullyswindowcleaningclasses]

Brilliant I hold VUAG🤟☀️

[@TheGavranatar]

Whats the difference in VUAG and VWRL

[@daniqm1]

VWRP

[@nathanvanwie643]

Income vs accumulation? Is that like only a UK thing. Here in the USA that would just be one version and you can choose whether or not to reinvest the divs. And partial shares are very much a thing too here.

[@TobyNewbatt]

Yes and it's weird to see, I'm not aware of any US ETFs that accumulate. I guess it's probably for tax reasons? I suppose that is why mutual funds can sometimes make more sense in the US but here in the UK the lines between a mutual fund and an ETF are blurring. We are also very lucky to be able to invest £20k ($26k ish) per year in a tax free account which is loads more than a US ROTH IRA which is $6k if I am not mistaken :) Thanks for watching, always interests me the US and UK comparisons!

[@zekidogan4311]

Thanks. can I invest more than 20k on Trading 121? or I should set up a separate account for the amounts over 20k?

[@TobyNewbatt]

£20k is just the limit you can put inside an ISA in one tax year. If it grows to £1m that’s fine. I hope that makes sense?

[@zekidogan4311]

Thanks Toby, I am clear with ISA now. I am fulltime employee and have some savings to invest funds for long term (beside ISA). What sort of account/ platform do I need for it? Thanks

[@metro1361]

Toby, Why do fund share price units vary. eg. S&P 500 ETFs can be £6.20, £60.70, £723.55 a share. Please do a video of the pros and cons. Thanks

[@TobyNewbatt]

Might be worth a video thank you!

[@valerienewbatt9678]

Great video as always Toby

[@asp7051]

hi, what's the difference between FTSE Developed World UCITS ETF (VHVG) vs FTSE All-World UCITS ETF (VWRL) ?

[@TobyNewbatt]

All world = entire world, which includes US/ EU/ Aus etc + Developing Africa/ China/ Developed = Just main markets. US/ EU/ UK/ Aus etc.

[@vivianaandreacaicedo2736]

I only have £100, how can I put those for vanguard to divide it the funds I want to invest.??

[@Bullyswindowcleaningclasses]

What is your background Toby? I basically just spent a few years reading books,listening to audiobooks, and KZbin.

[@TobyNewbatt]

Before KZbin i worked in IT sales for 10 years, investing was just something I fell into on the side. I've taught myself everything in a similar way to you, read everything I can get hold of (turned out to be a viral video that one!) always listening and then here on youtube can be very useful too.

[@d3vski]

QQ - for VWRA, I am assuming you have to sell a “whole” share to see a return (just as you have to buy a “whole” share)? I have over £90k in VWRL and the reason I keep adding is that I want to in the next 5 years or so “consume” that dividend income without having to sell the underlying shares. I am happy to go all in on 100% equities throughout my 40s, 50s and even in retirement in my ISA (with property rental income, workplace DB pension being my “safe” alternative options).

[@TobyNewbatt]

Yes that's right for VWRA you'd have to sell a whole share - although on platforms that allow fractional shares you could sell whatever you like. Nice plan and good luck! You can always reinvest anything you don't use I guess.

[@mannixfleming7838]

I wonder if going for an equal spread or all in on one fund is the better option? S&P500. Great vid also, thanks!👍

[@claytonwalton1939]

Can anyone tell me if you can alternate between accumulation and income of dividends , and if a fee is involved with

[@richard1342]

Excellent

[@TobyNewbatt]

Thank you! Cheers!

[@ardeshirpashmi]

Hey Toby, have you ever thought about investing in Japanese ETFs?

[@martinpage253]

Any news on holding fractional shares in an ISA, and could there be any complications holding FTSE Global All Cap if so?

[@TobyNewbatt]

Doesn’t apply to mutual funds firstly and secondly the autumn statement said that fractional shares are to be reviewed for ISAs I did a video update on it a while ago 👍.

[@martinpage253]

Rapid answer.Thank you@@TobyNewbatt

[@MultiLogina]

So how does acc will work ? Because vanguard does not allow to buy fraction of shares and if your divs supposed to be like 30£ for example it does not cover full price of share, do i need to have extra cash in vanguard to cover the difference ?

[@TobyNewbatt]

In the ACC funds you never receive any dividends. They are kept by the fund and reinvested by the fund. Its done automatically without any distributions 👍👍

[@MultiLogina]

@@TobyNewbatt Thanks 🙏 i will switch VUSA and WVRL to acc version 😀

[@patpong5873]

@@MultiLogina is it easy to switch or do you have to sell first then buy back your funds

[@ayublimbada4349]

Hello Toby, need some advice. I want to buy into the S&P 500 accumulated with Vanguard and I want to buy a fund for All world excluding the USA. How do I do that and what are your thoughts?

[@TobyNewbatt]

There’s no fund for all world ex US you have to make your own portfolio if you want to do that. Those funds are only for US investors because they might want to diversify.

[@MattieW9]

I have the Plum app to like manage and budget my money better and you can invest through that, is that alright to do on an app like that?

[@TobyNewbatt]

I'm not familiar with the details but do be aware you are probably paying higher fees, I just googles them and the platform fee is 0.45% a year which is quite pricey.

[@MattieW9]

⁠@@TobyNewbattoh wow I didn’t even realise that appreciate you finding that out, definitely gonna look at other apps and platforms see who the best, I’m a total beginner so appreciate the reply as well 👌

[@alexandertheivendra3426]

Can you switch existing monies from VUSA to VUAG without fees? Would you advise this?

[@TSH-sx3ec]

I did this

[@TobyNewbatt]

Depends on the platform, assuming you are using Vanguard, then yes - but you technically sell one to buy the other. Vanguard let you do this on their site it's super easy. On other platforms you just sell one and by the other.

[@alexandertheivendra3426]

Thank you Toby, really appreciate your videos and content. Yes using Vanguard but like the thought of accumulation :)

[@sdavis7096]

What’s your opinion on Nasdaq 100? Was thinking of buying that alongside my all world etf.

[@TobyNewbatt]

As a side pot fair enough - remember the stocks inside the Nasdaq are all the same ones inside the global fund BUT the Nasdaq is overweighting massively to big tech. Long term will probably be a good bet, but as with any investment...past performance isnt a guide etc. :)

[@sdavis7096]

@@TobyNewbattyes good points

[@rishiporwal5196]

I am a beginner and would like to know how many ETFs or index funds one should have in portfolio Just thibking if we diversify in all suggested one we will end up paying more expense ration in total . Any reply would be highly appreciated as i have just opened my trading212 and planning to invest in ETFs suggested in this video :)

[@TobyNewbatt]

As i did say in the video, you don't need to be choosing all of these. A great portfolio would be made up from a single fund that covers the whole world such as VWRP. I've got loads more videos on my channel, take your time and get through all of the basics no rush :)

[@rishiporwal5196]

@@TobyNewbatt Thanks a lot. Yes i am going through all videos from a month :) n planning to start in 2 etfs in one portfolio :)

[@battj1]

I'm really struggling to find an answer on this one...will I be able to buy fractional shares in all Vanguard ETFs on Vanguard UK platform in 2024 in my SIPP and ISA? Thanks

[@TobyNewbatt]

No Vanguard does not support fractional shares right now on their platform directly. However other platforms like Trading 212 and InvestEngine do allow you to buy fractional Vanguard shares on their platform. Hope that helps

[@battj1]

​@@TobyNewbatt Amazing, thanks! I believe HMRC are changing some rules in April. Do you know if I will be able to buy fractional share in VG UK ETFs in, say, May onwards?

[@TobyNewbatt]

@@battj1 no idea if vanguards platform with change to allow fractional shares. Unlikely to be honest but my last comment still applies you don’t have to use vanguards platform to invest in vanguard funds 👍

[@sammytwentytwo]

Hey Toby! I’m completely new to this and was just wondering - should i invest £500 into S&P now via Vanguard or is now not the right time to invest..?

[@conorturton]

Don't try to time the market. Just buy.

[@TobyNewbatt]

Hey Sammy, I don't try and time the market otherwise you will never invest. If you are new to long term investing it is always a good time to start sooner than later.

[@simonr1339]

Hi guys, I wanted a “set and forget” pie/mix for long term investment. I’ve decided to go with the below: VUAG 70% of my portfolio VWRP 30% of my portfolio Please let me know your thoughts. Also, the two ETFs above, or any other for that matter, if it says USD, EUR, GBP under “Listed currencies”, then I can invest in GBP and never be subject to any currency conversions even though the original stocks are in USD, right? I also, wouldn’t pay any taxes on these gains as long as I’m within the £20k yearly ISA allowance, right?

[@JHBEM]

@toby - why is it called FTSE when it’s featuring companies that aren’t listed in the FTSE but say America?

[@TobyNewbatt]

Ahh so this is because FTSE is a an indexing company short for FTSE Russell. Similar to S&P. Nothing to do with just UK

[@MorganrhysLingard]

I’ve started with 8k and I’m depositing 500 a month possible 600-700 some months, S&P 500 baby here we go! let red days come as I see it as on sale lol all the best investors 😅

[@robertsoso7093]

Thanks Toby for a video 👍

[@TobyNewbatt]

No problem 👍

[@andysutton9780]

Hey Toby, quick question, the S&P 500 (VUSA) is at an all high at the minute, i've been investing regularly sine July, i have stalled investing in the last month because the share price is so high, is this wise and wait for it to fall which it most probably will or just keep buying no matter what?

[@TobyNewbatt]

As a long term investor the stock market will hit new all time highs all the time. If you only invest during the downturns you’re literally timing the market 😎. If you know when the stock market will Go down or up I’ll have what you’re having. Personally I’d never try and do that but this is all up to you.

[@andysutton9780]

@@TobyNewbatt Thanks mate, appreciate the response, I have to say you've helped me a lot with my finances in 2023. Happy NY to you and your subscribers!

[@vincenzoprimato2480]

Hi Toby, great video and Happy New Year! Thank you for sharing!!! What is your thought about FTSE Developed World ex-U.K. Equity Index Fund (VDWXEIA)? You did not mention this fund in your video. Is there any particular reason ? Its not expensive like the FTSE GLOBAL ALL CAP but I understand it does not have the emerging market part in it. Thank you.

[@GenuinePluko]

the best one on Vanguard IMHO, lowest fee's and seems to outperform the rest (probably because poorly performing UK isn't in it lol)

[@pedazodetorpedo]

​@@GenuinePlukowrong. It does not outperform Vanguard Global Developed World (VHVG). The UK is doing better than the Euro markets at the moment so excluding it makes no sense unless you also exclude Europe and just focus on the US.

[@GenuinePluko]

@@pedazodetorpedo what are the fees on Vanguard Dev World?

[@joesilver9638]

Have you seen the Documentary "The Great Taking". Does that not worry you about your investments?

[@hustlinhitch]

All my investments were mentioned in this video and I'm up £410 since starting in September.

[@ashb8572]

@hustlinhitch did you exclude any from this video?

[@robertsoso7093]

I also have vuag in my portfolio😊

[@Bullyswindowcleaningclasses]

Wow I Feel I’m in good company then. Long live Vanguard 🤣🤟☀️🥛

[@TobyNewbatt]

stay the course :P

[@stevefaust3532]

If you invested in VWRP & VAFTGAG, can you then switch from accumulation to income whenever you want to?

[@TobyNewbatt]

On the website there is an option to switch yes - not sure if this counts as a sale and rebuy but you can do this on Vanguards platform

[@stevefaust3532]

@@TobyNewbatt Ah thank you, Hmm i'll need to speak to an accountant then to see if doing so triggers a taxable event!

[@superslip103]

Toby would it be worth doing a video on the Nasdaq and Dow Jones and whether they are worth buying?

[@TobyNewbatt]

Yes might be a good video as lots of people are interested in this

[@Macka09]

Is this advice applicable to investing for a SIPP also??? Cheers

[@TobyNewbatt]

All of these funds can be purchased inside a SIPP 👍.

[@Macka09]

Oh nice. I’m already in the HSBC all world fund with my SIPP. Are there any others you’d suggest looking at? Thanks

[@adrianl5899]

​@@Macka09 In terms of equities, a small % in global small cap may be worth considering to compliment the HCBC one, as it avoids small caps. And obviously a bond allocation, if wanting to reduce from 100% equities in the portfolio.

[@lplate1000]

Is there an easy way to see which Vanguard funds you can buy fractional shares? Doesn’t look like I can filter to them so wondering what I look for?

[@TobyNewbatt]

Sorry if this is not clear - Vanguards platform does not support buying fractional shares of ETFs. You would need to use a platform like Trading 212 or InvestEngine to do this. BUT you can buy whatever amounts of the mutual funds you want - you would have to filter them on their website to see what is a mutual fund and what is an ETF.

[@lplate1000]

@@TobyNewbatt Thanks Toby. Great content as always.

[@TheSmartLawyer]

​@TobyNewbatt Vanguard's platform in US allows fractional shares in ONLY the Vanguard suite of ETFs. You just put in dollar amount instead of shares. For non Vanguard ETFs you are correct, they do not allow fractional shares in non Vanguard products or individual stocks

[@TobyNewbatt]

Ahh cool good to know thank you. Maybe they will apply this to the UK one day too. Seems like the US side Vanguard has a lot more choice available and clearly they've focussed well on it!@@TheSmartLawyer

[@sanchezz4387]

S&P all the way

[@KeldorTheWhite]

Which platform do you prefer and why Tony? Trading 212 vs InvestEngine?

[@TobyNewbatt]

I like them both for different reasons. I keep them both separate and it works well. T212 for my individual stocks and IE for my index funds. Next tax year you can do this at the same time inside an ISA once the rules change too :)

[@KeldorTheWhite]

@@TobyNewbatt amazing respons rate. Thank you

[@KeldorTheWhite]

@TobyNewbatt is the so you don't have all your eggs in one basket or because IE has better rates for Index Funds?

[@TobyNewbatt]

Both are free for stocks and shares ISA accounts. I prefer just to keep things separate mentally so I don't tinker!@@KeldorTheWhite

[@dominicbrennan2536]

So is the accumulation version is better?

[@DoctorCollateral]

Automatically reinvests dividends rather than sitting in your 212 account for example

[@u10722u]

Can I please ask you, can I swap from Acc to Income when I retire ? Ie I will be looking to invest into an isa soon for my retirement in 10 years time. I therefore want to initially want to passively invest then if allowable I want to switch my investments / portfolio to income/dividends Is this allowable within an isa

[@TobyNewbatt]

You can buy and sell whatever you want inside an ISA. Vanguard make it very easy to switch funds - there is a button with 3 little dots on the right of the investment line that allows you to do this if you want to move from acc to income for example. There is no tax to pay ever inside an ISA :). FYI - if you want to just use an ACC fund you can then just sell whenever you want instead of using dividends. Be aware that dividends are only paid quarterly. Hope that helps, as usual do your own research and do what works for you :)

[@u10722u]

@@TobyNewbatt thank you. I think you may be trying to provide a video to do so but if not I’d love some information on how to best draw down investments , (stock and Shares)as to maximise any potential further growth. Ie do you flip them to dividends, sell them in monthly , quarterly, yearly etc etc. Does selling them off in regular short intervals do more damage than selling say in 1 annual sale? Is there a recommended formula for this ?

[@TobyNewbatt]

@@u10722u good video idea thank you

[@TruthTeller00]

What’s the best platform to buy VUAG on, consistently and regularly?

[@rich1483]

Vanguard

[@TobyNewbatt]

I use Trading 212 and Invest Engine and they both allow you to invest as regularly as you want and for any amount as they allow fractional shares. Have a look around and see what you reckon.

[@TruthTeller00]

@@TobyNewbatt Cheers Toby, this is why I gave up on Vanguard. DD set up, but it wasn’t putting it to use every month.

[@yomipena7815]

Are these found in the Fidelity app?

[@TobyNewbatt]

Any ETF should be found on any good broker platform

[@keithclunk3125]

0.22% is no longer considered cheap, especially if you have 10's of K's in it. Plenty of global OEIC index trackers available at around half that cost. Plus, it is not an either/or, you can have as many or as few as you like.

[@TobyNewbatt]

You are right BUT - those cheap OEIC trackers are on platforms with much higher fees, don't forget that. If you use Trading 212 for example there are no platform fees. All the old legacy brokers are gonna cost you a fortune in fees :)

[@keithclunk3125]

@@TobyNewbatt You are right BUT - none of this is mentioned in the video.

[@samv5876]

fair play mate I remember working with you at Softcat :D

[@TobyNewbatt]

😎 another lifetime ago! Hope you’re doing good!

[@samv5876]

@@TobyNewbatt perfect mate. saw that handsome face and knew it was you. If I was looking at investing in the S&P 500 what is a good amount to invest ongoing ?

[@TobyNewbatt]

@@samv5876 I’ve done loads of videos looking at this might be worth going back through some when you get the time as there’s not really a simple answer 😎

[@crazysim00__98]

I think I've said it before but I'll say it again: there's no point buying the vangaurd (VWRP) all world fund with a 0.22% fee. Just buy the developed world (VHVG) fund and allocate 90% of your portfolio to that (as the fee is 0.12%) and buy the emerging market fund (VFEG)and allocate 10% of your portfolio to that (as the fee is 0.22%). That way you are saving massively on fees over the long run. Great video!

[@TobyNewbatt]

Indeed that’s a solid solution that requires a teeny bit of management and I’ve got a video I need to make on that topic very soon. Thank you!! 👍👍👍

[@crazysim00__98]

@@TobyNewbatt can't wait for it!

[@AFirstWorldProblem]

I invest in VWRL and now may change! Thank you!

[@natedog5564]

or buy a cheaper all world index fund from someone else

[@crazysim00__98]

@@natedog5564 from who?

[@OfficialDK]

Whats the difference between S&P 500 VOO and VUAG/VUSA?

[@TobyNewbatt]

VOO is a US listed index fund for US investors VUAG/ VUSA - are UCITS ETFs (basically they are for UK/ EU investors to use) as they adhere to the reporting rules we have. Both invest in exactly the same things. We can't buy VOO in the UK (unless you go via CFDs which is not something I reccomend)

[@rob_h_7]

Are ETFs held on HL charged like shares (£45 annual cap) or are they charged 0.45% of the fund value up to 250k?

[@TobyNewbatt]

ETFs are treated like shares on HL as they are technically shares traded on the stock market like anything else. It makes them much more cost effective to hold. Other people have commented that some mutual funds are cheaper BUT they are forgetting that mutual funds get charged 0.45%....

[@rob_h_7]

@@TobyNewbatt Thanks for clarifying. That's reassuring as otherwise HL becomes way more costly than the likes of T212. I mean it still is with the fees to buy/sell shares and other fees but let's not go there!

[@TobyNewbatt]

@@rob_h_7 yes the trading fees suck. They have to move with the times otherwise I can see then going out of business in the long term. HL has a lot of old money and customers are loyal when they shouldn’t be. Makes no sense to me to pay £11.95 for a trade of a stock which includes ETFS!!!

[@shellyperera2010]

​@@TobyNewbattagree, HL are in trouble unless they change their fees. I read somewhere they're being shorted by hedge funds which makes perfect sense. Adapt or die!

[@TVsez]

Can I set this up for my kids in their names? They are 11 & 12...thinking when ever they get some money from friends and family they can put it in... Thoughts or alternatives?

[@TobyNewbatt]

Junior Stocks and Shares ISAs :) £9k per year tax free you can put in and then when they turn 18 it becomes a stocks and shares ISA just like any adult. An amazing gift and a great way to learn about investing.

[@TVsez]

@@TobyNewbatt awesome thanks mate 👍

[@fleece3867]

you can also set up a junior SIPP ( pension ) for the kids . I have recently set up a SIPP for my grandaughter . My thinking being she gets control of the ISA when she is 18 ....she can do what she wants with it .....buy a car , massive bender in Ibiza ( which you may be fine with ). Personally I might not have the best decisions at that age 😇 She can control the SIPP ( what its invested in etc ) at 18 but cannot access the funds until whatever the relevant age is when she gets there ie 55yrs old now , 57yrs old in 2028...... She is gonna benefit from 58yrs+ growth .......... Have a play with a compound interest calculator and see how your kids can benefit because they will have the greatest of investing tools.......TIME Good luck with whatever you , best gift you can give em.

[@UchennaUgwu-ms1vt]

Does it make scenes to invest in all 4 ETF. VUSA (60%) VWRP(20%) VHVG(10%) VFEG (10%) ?

[@TobyNewbatt]

So, looking quickly, VWRP is a global index fund it has everything in the world (almost!) therefore if you add anything on top you are just overweighting (concentrating) your money into certain sector. For example VUSA at 60% is about correct for what the US market is Adding on 20% of VWRP, which is basically 60% US, means that you will be leaning towards the US over 70% (20% of 60%) hope that kinda of makes sense! Truth is there is no way to know if this is good unless we know the future, keep it simple and stick to something though!

[@UchennaUgwu-ms1vt]

@@TobyNewbatt thank you for explaining. Now I understand and can focus more on having just one ETF and invest

[@ruaridhcameron3863]

I have downloaded the Vanguard Australia app but can't find the FTSE All World UCITS ETF or the S&P 500 as available products that I can buy - do you know why this is? IS this video only for UK viewers? Thanks very much

[@TobyNewbatt]

Hello! Yes sorry these are funds for UK investors but I’m sure you will Have something extremely similar in Australia it just might be named a little different! Look for a global passive index fund

[@ruaridhcameron3863]

Thanks very much for the quick response, I really appreciate it. Love the videos!

[@kelle_li]

Good video Toby, top index funds. Although no FTSE 100 mention?

[@TobyNewbatt]

Can't cover everything in a short video :)

[@bozhidaryankov8155]

Hey Toby and community, Happy new year! I have two main questions and I am hoping you would be willing to share your thoughts. 1. How easy is it to change from an accumulation fund to distributing? I would like to just dump all my money in an accumulation fund but would I lose out later on closer to retirement when I would like to receive dividends? 2. As Toby mentioned, he holds both the global all cap in vanguard and the accumulation version of S&P on another platform. Isn’t that duplicating efforts and wouldn’t it make more sense to invest more in the all cap if it really is such a good choice? Thank you in advance to those who read this/reply.

[@jonathanhowson6420]

either just sell and buy the other option straight away when the time comes. Do it quickly so you don't miss out on market movement. I think he is investing in different funds for diversification but also the S&P has performed amazingly well. That doesn't mean that will always be the case. Hope that helps

[@livix05]

One of the best video that answered a lot of my questions. Great work Would you do a video of the best Junior iSA and cheapest that invest in something like "Vanguard Funds Plc FTSE All-World UCITS ETF (USD) Accumulating (VWRP)" ?

[@TobyNewbatt]

Check my channel I did a best junior isa video 👍