The COMPLETE GUIDE to VANGUARD FUNDS Investing For Beginners UK

[@TheHumblePenny]

Did you enjoy this video? What questions do you have for me about Vanguard funds? Drop them below :)

[@zoksmister9933]

Very good vid, just 1 question. If we put initial lump sum investment of £500 does it mean we 're not required to put anymore £ if we do not wish to? Thanks

[@odionugbiyobo2316]

Do a fools guide to investing in the UK/ Europe

[@TheHumblePenny]

Yes. You put in when you can

[@TheHumblePenny]

Fools guide sounds interesting. Added to my list

[@johndoe5715]

the major risks to etfs and how to avoid them? also a vid on you actually investing and showing the progress over a period of time would be interesting to watch for beginners

[@chickbrenda1]

Thank you for taking your time to teach people like me. I’m staring my investment journey this month and this video has really helped me.

[@TheHumblePenny]

Amazing! :)

[@malcolm-bw2de]

Hi Can you please tell what is the difference between the vanguard funds and stocks & shares ISA

[@TheHumblePenny]

The funds are the investments. The Stocks and Shares ISA is the account that the investments are held in. Make sense?

[@pandabossanna]

Yesss! I've been waiting for someone to make a video like this!

[@TheHumblePenny]

Hey Anna, thank you! :). How are you doing?

[@pandabossanna]

@@TheHumblePenny I'm good thank you just super exhausted! Trying to juggle KZbin and full time work is tiring! What about you guys?!

[@zoksmister9933]

Q for all of you! Does auto reinvestment count toward contributions , are you in breach of law if using other ISA ( let's say next year ) and your previous one is on autoinvest (accumulation)? Thanks

[@shabaz.m]

Fantastic run through. Thank you Ken!! A quick question please, what's your thoughts on the Vanguard FTSE Global All Cap Index?

[@makedabonsu987]

This is perfect timing, I was just about to invest in a fund, then I thought I would check out your video.

[@TheHumblePenny]

Awesome! 😀

[@jesseliam996]

Hi tried out an investment platfrom with Mr Anderson

[@petertownsend2255]

Thank you so much ken quick question in the SIPP can I buy index funds and build a pension portfolio or I have to buy one of the Target retirement funds?

[@TheHumblePenny]

Hi Peter, yes to index funds.

[@petertownsend2255]

When I do the monthly payments can I specify what index fund to buy

[@TheHumblePenny]

I'll a KZbin Shorts video for you shortly.

[@clarenceishmael9615]

Another superb video. My question is, can you mix life strategy funds and index/active funds in the same ISA account? Thanks in advance.

[@TheHumblePenny]

Thanks! Yes 😀

[@michaelcharrett3284]

i enjoy your very informative videos ken, you explain slowly ,clearly and simply,thats what i like unlike the americans who speak 150 miles per hour thanks

[@TheHumblePenny]

Ahh cheers, Michael. Really appreciate the feedback! 😀

[@andrewmuscat9794]

Is there any way to see which funds are set to accumulation and which are not on the site instead of clicking through each one individually?

[@makedabonsu987]

Hi, from what I understand the best idea, is to put some money in the investment ISA, use that money to invest in other funds. then may profit made is not taxable, and fewer fees to pay?

[@Nina-ci4ev]

Amazing teaching. I have binged on your videos for a week. Went from complete notice to feeling confident to take the plunge and invest!! Thank you for sharing this valuable knowledge

[@sheraziqbal9556]

Would you advise on vanguard or make larger pension contributions for tax relief and invest in North American fund?

[@erastusforbes731]

Fantastic video Ken. You are doing a fabulous job. Thank you. Now I've gotten more interested in starting investing in index funds. Little commitments that I'll increase as I gain more experience. Well done.

[@TheHumblePenny]

Thanks so much! 😀

[@johndoe5715]

great vid tyty for this guide! what % of ones bankroll should one be investing? especially if they are novice investors

[@TheHumblePenny]

Aim for 20%+. It will be challenging but it will be worth it!

[@johndoe5715]

@@TheHumblePenny thanks for that suggestion!

[@siwanowen5728]

what a helpful, easy to understand and informative video! thank you for sharing this information! so glad i subscribed, i'm really enjoying your content!

[@TheHumblePenny]

Amazing! Welcome, Siwan :). Please share with others

[@qwer2556]

hi, Do I have to select funds and send £500 to vanguard when I register it? it's a bit weird select funds before even registering. thanks

[@renatomarques6039]

I'd like to know more about the ISA and any other tax free options available so we can avoid future taxes which I do not know well how it works! Thanks

[@sanjaymanu1]

Excellent Video...thanks for sharing it and hard work.

[@rumbimutopo6262]

Thank you for this, very clear and informative. Ready made for me.

[@TheHumblePenny]

Thanks so much, Rumbi! 😀

[@richardogunfuyi8868]

Thanks for this video, i just gained the confidence and roaring....

[@TheHumblePenny]

Amazing!! 😊

[@Jboy806]

Great content man! Thumbs up

[@TheHumblePenny]

Cheers, Jay! 👊🏾

[@rajshu6408]

I have subscribed, Great Video. Thanks.

[@joe5009]

Hi Ken when it comes to depositing into my vanguard funds monthly is it best to spread the investment equally or concentrate on one particular fund? Cheers Joe

[@TheHumblePenny]

I'd suggest focusing on a maximum of 2 or 3 globally focused funds

[@joe5009]

Thank you for the reply, but with the ongoing monthly additions should I equally deposit into each fund or deposit the whole lump sum into one fund at a time?

[@Vz0ro]

Hi Ken, love what you are doing.

[@TheHumblePenny]

😊🙏🏽

[@andreeadobircianu5561]

Great advice ! Thank you

[@c47los.21]

This video is great and very informative, this is exactly what I have been waiting for! Thank you

[@TheHumblePenny]

Cheers, Carlos! 😀

[@ChiomaIkejiofor]

I was researching today between hl (already on it) and vanguard (thinking of it for Jisa) when I stumbled on your blog and then here. What are your thoughts please? Just subscribed to you and have been watching lots of your great content.

[@mohammedyusuf6955]

This video gave me confidence investing

[@TheHumblePenny]

You're most welcome 😊

[@debbieosaseriisibor7276]

Thank you Ken the information is knowledgeable but I would like to know if you could help beginner to open an account

[@TheHumblePenny]

Sure, watch this - kzbin.info/www/bejne/d4e2pKmka7aqncU

[@ashleijai5890]

Thank you for explaining the various types of funds. It certainly clarified those US terms e.g ROTH IRA vs SIPP and ISA's etc. In terms of legally appointing beneficiaries, where do we find documentations for that? How would someone inherit what's left of one's portfolio in the event of the inevitable 🤔. Most vloggers explain investment terms however, I'm yet to find that information. Could you shed some light on that - if possible?

[@annajones9701]

Do you own any real estate besides residential. Networth?

[@jessicajetawo304]

I think I want to invest in the blended one

[@yarrumblob]

Hi Ken, sorry to go off topic but have you done any videos on Lifetime ISAs? I have just opened a HL stocks and shares LISA and I'm using this as part of my retirement strategy (basic rate tax payer). I like the fact that I get a 25% government bonus and the money is tax free when I want to withdraw it at 60 (or transfer the funds into another ISA). Your thoughts would be much appreciated.

[@TheHumblePenny]

I'm doing something on this next week! Stay tuned :)

[@yarrumblob]

The Humble Penny I will look forward to your expert opinion. Have a great weekend!

[@TheHumblePenny]

👊🏾

[@sunilaclaxton-theodore7574]

Hello. I have dual citizenship UK and US living in the uk, can I invest with vanguard? Are there any companies that allow US citizens living in the UK to invest?

[@TheHumblePenny]

Hi Sunila, unfortunately, US citizens aren't allowed to invest in the UK as far as we're aware. We'd suggest calling a handful of the large investment companies and asking them as you're also a UK citizen.

[@sunilaclaxton-theodore7574]

Thank you. I will give this a try. The US is very unfair. I should be able to have the same freedom here in the UK especially as they are two independent countries. But thank you very much

[@TheHumblePenny]

I hear you 💯

[@CHIKAAKAS]

Great video 🙌🏾🙌🏾 thank you.

[@TheHumblePenny]

Thank you, Chika! :)

[@saras4472]

Thanks for this awesome video!!

[@TheHumblePenny]

Much appreciated, Sara! :). Please share with others.

[@jackiea7965]

Great explaination Ken

[@ukawesomelife3987]

Lovely

[@TheHumblePenny]

Thank you

[@roxandra2010]

Super useful thank you 🥳🤝👍👏

[@TheHumblePenny]

You're most welcome! :). Please ask if you have any more questions and kindly share with others too

[@fooddweller]

Great video. Bravo!

[@TheHumblePenny]

👊🏾

[@leorynad8678]

NICE VIDEO CONTENT ✌️✌️

[@fatfaithlover2]

I'm new to this so I'm a little confused as to what the percentages mean. For instance if the cost of the equity/bond is £100, and the charge is 0.22% , does that mean you will be charged £22 annually to hold the shares or is it a once only charge ? Great video regardless !

[@TheHumblePenny]

Hiya, thank you! I hear you on the confusion over the percentages :). Yes, those are the annual fees. For the example you gave for £100, 0.22% of that will be 22 pence not £22. i.e. (0.22/100) x £100 = 22p

[@gr8life12]

Kenny, you did it again! You enlightened us. 👊🏾❤️ I'm with Vanguard I took out their Lifestrategy100% equity fund as well as the global all cap index fund and I'm thinking of add some all bond funds soon to my portfolio.

[@dimmao1594]

Hi Ken, keep it up with the videos. They've been helpful. I do have some questions about vanguard funds. 1. Is it better to lump in a sum or to do monthly? 2. With the monthly additions, can you decide not to invest in some months afer you have chosen to do monthly investments. Do you just remove that option in the months you don't want to invest? 3. Could you help with how to reinvest in some funds from the ones you have? I do hope you can answer these questions as they have been confusing to me

[@TheHumblePenny]

Much appreciated, Dimma :) #1 - Monthly. #2 - Yes. You simply login and tweak your monthly payments to cancel or change it to start another month. #3 - Not sure I get this question. Please elaborate :)

[@dimmao1594]

Thank you for the reply. Like funds that are written accumulation eg in vanguard, do you just leave it for them to reinvest or do you have to actively be reinvesting yourself?

[@TheHumblePenny]

Accumulation reinvests automatically

[@manckid7795]

Great video Ken! VAPX is my best performer over the last year at 40+% 😎

[@TheHumblePenny]

Nice! 😎

[@johndoe5715]

40%!! from an etf?!! wow i thought the best you can get on roi is less than 10%

[@manckid7795]

@@johndoe5715 yeah I bought some VAPX in March last year when it crashed and added a few since. VAPX and VMID are my best performers over the last 12 months.

[@johndoe5715]

@@manckid7795 do you know what caused the crash? And how did you have confidence in it stabilizing and growing again to reinvest?

[@manckid7795]

@@johndoe5715 it was COVID-19 which caused the crash. It sank pretty heavily in March last year. Learning how stock markets work gives me confidence. This has seen my overall portfolio gain 30+% over the last 12 months!

[@chetzh6172]

Hi, some info if anyone can help. I’m 39 now, I have just started to understand where I should invest my money. I will be starting for my son. Q. For me and my wife : is it better to invest in Stocks and Shares now OR Should I take my last chance to invest in a Lifetime Stocks and Shares ISA ( only asking this coz the Government pays 25% on top ). Please can someone reply ASAP. ??? !!! Do appreciate all opinions. !

[@chetzh6172]

Thanks for all your videos, Can’t believe I didn’t now this before. & not teaching us in school. Keep up the videos. 👍🙏👏👏

[@TheHumblePenny]

I'd start with both. However, hurry and open your Lifetime ISA fast! Here is a link: thehumblepenny.com/HLLISA

[@TheHumblePenny]

You're most welcome

[@MPS19911]

I looking to invest for early retirement. Looking to retire in the next 25 - 30 years. Should I open an Isa or a personal pension account? Or you limited to one or the other?