My 2025 Investing Plan - Here's What I'm Buying

[@AgentGreyFox]

Just the video I've been looking forward to. Good luck to all investors in 2025.

[@PaulB-q3d]

Mr "Index and Chill" has £59k in individual stocks to 'scratch an itch' - That's a blooming big itch relative to the rest of the accounts on show, it's almost the highest.

[@jamespatch1691]

The difference is only £24k was invested, the rest were gains.

[@MatthewMills.]

😂😂😂

[@Lenny-nr4yv]

22 years of investment in the said portfolio. The boys done good Paul with that itch 😂

[@kippsguitar6539]

You are amazing, so wealthy, thanks for sharing your genius

[@bewfed]

@@jamespatch1691usually you rebalance if your philosophy is to be mainly indexed.

[@casiowatchers7511]

As soon as you said you have no children I was like oh yeh that’s how he affords to invest so much per month 😂 Very insightful video. I’ve been using T212 for my ISA for years now. I’m pretty much all ETFs. If I had a regular pension I’d more than likely do what you do and control it myself, but my pension is a different government backed one that doesn’t feature a conventional “pot” format.

[@nathenleelewis]

Happy New Year Toby! Thanks for all your advice... Now Debt Free, and have an Emergency Fund. Heres to the beginning of my investing journey. Thank you. 👍

[@BarbaraMia60]

Smart Investing Made Simple: Bitcoin as a Key to Retirement Planning

[@ColinPyke5123]

Many new tra-ders face challenges without proper guidance.

[@ColinPyke5123]

I found success by learning from Tracy Britt Cool Consulting.

[@Johnny.503]

I recently sold half my tech stock holdings due to all-time highs, leaving me with $400k. Should I invest in ETFs now or wait for a market correction considering potential inflation?

[@SimmerFerdon221]

Celebrating a $30k stock portfolio today from a $6k start. Investing wisely has given me time for family and future plans.

[@YoungWillow36]

From $37K to $45K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family.

[@paulyoung22]

It's worth mentioning that T212 ISA is flexible, so it's a great repository for emergency funds.

[@TobyNewbatt]

Yes this too so is Invest Engine too

[@jasont9169]

No IE isn't flexible yet? ​@@TobyNewbatt

[@nathanlaughlin]

I currently invest in VUSA and thinking of moving to SPX5 given the fee saving of 0.04. What do you think? Both seem to track the S&P similarly

[@BB-bt9vj]

Good contect like always. You've been smashing it on trading 212 account with individual stocks. I guess a lot of your followers lime me , are interested toi know what stocks , etf you are using to double your money in such a short of time. Thats absolute genius to get them kind of results. It shows that obviously you are on the ball , and it is all appreciated the advice and the way to go about it. It will be nice to give some hints and how you select the individual stocks for such gains. Like always, your content is appreciated, helpful, and beneficial to a lot of us. Happy New Year, and keep up the good work. 👍

[@armuk]

2 questions: 1. What platform do you use for your bitcoin, and what's the size of your holding? 2. Why don't you show your T212 equity portfolio? Seems a bit strange to hide it Generally enjoy your videos but was a bit surprised you didn't elucidate these 2 significant parts of your portfolio after mentioning them. Most engaged viewers would be curious to know more. Nothing wrong with having them as a smaller part of an overall balanced portfolio, with the caveats you already mentioned. This notwithstanding, liked the video

[@TobyNewbatt]

Thank you for the comment and highlighting something important. I don’t want to share the individual stocks in that portfolio specifically because I’m not here to pump companies, hype stocks, or influence people especially beginners. I am mostly concerned that people will copy the way I invest and while the past performance might look great - the future is unknown and I’ll get the blame if people copy what I’m invested in. I’m less concerned about a global index fund but I would care if someone buys the same companies as me because they think I’m some kind of guru. I hope that helps. I never say never but I don’t think this helps people in all honesty. Most beginners don’t even know about the ISA let alone the risks that individual companies hold. Hope that helps!

[@ruster719]

I would suggest a Gold ETF, better than equity returns this century, negative correlation to equities ( although not over short time periods).

[@dede8176]

What’s your opinion on just copying your invest engine portfolio? I know people should research but these monthly updates you do I feel really showcase everything I should know? Just wanted ur opinion.

[@stevegeek]

Good update. Regarding BTC, you can get exposure within a SIPP or ISA indirectly by buying some crypto companies or related ETFs. For example DAGB. Personally I don't currently have any crypto exposure, but never say never. I may buy the next dip.

[@alistairlogan6755]

Great advice on ISA investing. Invested 30 k in 2018 and it’s now in 7 figures- invested in Tesla , NVIDIA . Why ? Watched You tubers , got educated and built my conviction in the both companies - both have returned on average 30% per year since IPO …

[@TobyNewbatt]

That's a pretty crazy ride from 2018 - congratulations for holding through some tough times. The big question as always is...what happens next though, will they continue to outperform the market moving forward? At some point, they can't keep doing it :) which makes investing so bloomin hard :)

[@namakudamono]

You were also pretty lucky!

[@alistairlogan6755]

I’m really fortunate but I believe Tesla is going to 20x again by 2030- yes 10k per share by 2030. That’s based on full roll out of robo taxi in USA and china plus Optimus robot doing meaningful work at scale. I have not sold any shares and am still accumulating every month

[@leighrobinson]

@@alistairlogan6755You are going to lose your shirt with that outlook. No chance Tesla can actually deliver Robotaxi, Optimus, etc. Let’s see L3 FSD first eh?

[@neo77447]

Thanks Toby, Great Video What are your investments in Trading 212? Would be great to know your strategy in there

[@HDB1974]

This year I'm going to be reducing my portfolio a bit. I won't be selling anything just stopping investing in some stocks and condensing my money in fewer options. I might be adding a new etf if I can ever decide on one

[@kennynitu4286]

Thanks for the video, I’m about to start investing this year start this month actually but I’m wondering if it’s best to deposit a big chunk of cash for the rest of the year or deposit on monthly basis what do you advise. Again thank you for the great video! Specifically in stocks ISA

[@TobyNewbatt]

The data would say for long term investing you just put all money in at once. But most people won't be able to do that mentally, so you just have to do whatever works for you :)

[@chiport10prprecious74]

What platform do you use for your Bitcoin?

[@stephencole9289]

If your married and have a trusted spouse (especially if a low earning spouse), then ensure they also have an ISA to make use of their allowance and also put a proportion of any other stocks and things with divident or interest in their name also. To allow use of their capital gains and other allowances. This assumes you 'trust them' of course. Also only really applicable if you have spare funds and/or other significant stocks such that it is worth splitting the investments or assets this way. Planning ahead ready to minimise inheritence tax liability is then the next step (eg possibly start gifting to children well before the last 7 years of your life). Plus use of spouse exemption etc. Plus pension planning etc

[@johnbanks-n5c]

I think that investing before paying down your mortgage has worked well for many, but in the noughties I was mostly doing it the other way around when there was a lost decade for stocks with severe and prolonged drawdowns and higher interest rates. The insistence that many have that they will never sell assets in a falling stock market has often not been tested.

[@Chanesmyname]

If you put cash into T212 I think you need to find which banks it is holding the money, you could breach the 85k limit if you already bank with them, just a though, if you had that much. :)

[@TobyNewbatt]

yes it's worth making sure any risks can be removed. I dont hold anywhere near that amount of cash as it should be invested!

[@Anse-kt9gq]

Thanks Toby, enjoy your no nonsense, honest videos. Appreciate any thoughts ...I am 59 retired and have 100K cash sitting in a S&S ISA (no interest). Looking to invest in the ETF All World. With the S&P highs, is it prudent to invest now the lump sum, or drip feed the amount in over say a year in case there is a near time downturn in the market?

[@coderider3022]

Drip and be patient for the dip. Trump will face lots of challenges and opportunities will arise.

[@IAmebAdger]

Assuming you're not a bot comment, all evidence says lump sum investment historically outperforms drip feed investment as you can never tell when the down turn happens and in the mean time you're losing out on gains while you wait for a down turn. However drip feeding has psychological benefits such as helping you sleep at night, and that may be worth losing out on some gains.

[@BaileyMxX]

70% of the time back tested has shown that lump sum wins. Although with you being older and less time to recover from a crash and if it's the only money you have, you may want to look at some percentage of fixed income and not being fully exposed to 100% equities.

[@TomGmaan]

I was advised to diversify my portf0li0 among several assets such as stocks and bonds since this can protect my portf0li0 for retirement of about $150k. I want to know: Do I keep contributing to my portf0li0 in these unstable markets, or do I look into alternative sectors?

[@ValeriePheasant]

The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.

[@Sylvesterhunter870]

The professionals currently dominate the market, as they possess both the necessary business strategies and access to insider information that is not available to the public.

[@NicoleAniston-o]

Bitcoin through 2025, then high yield ETFs through the bear market 26’-27’ that's my plan.

[@Sylvesterhunter870]

- **Index Funds & ETFs**: 40-50% - **Emerging Markets (e.g., VWO)**: 10-15% - **Dividend Stocks**: 10-20% - **Growth Stocks/Small-Caps**: 10-20% - **REITs**: 5-10% It’s important to consult a knowledgeable financial professional when starting out to minimize risks and avoid potential losses.

[@chrismenere6129]

Hey Toby, happy new year to you! Thanks for the content… it’s been extremely informative. I’ve totally cleared out my 30+ individual stocks, it was SO STRESSFUL!!! I’m now keeping it simple with S&P500, EQQQ and Blue Whale and have 3 of the big boys Nvidia, Palantir and Meta. Hopefully we keep the momentum from 2024 into 2025. Again great videos.

[@TobyNewbatt]

Thanks Chris :) - Good luck!!

[@TomsPersonalFinance]

Brilliant video, Toby. Super interesting and amazing gains on the T212 portfolio :)

[@miniade1]

Thanks for sharing your portfolio. I currently have my pension contributions going into a workplace Nest scheme, it doesn’t seem to grow as fast as I would expect and I realise it’s lower risk. Is it possible to have my workplace contributions placed elsewhere which could improve its growth? Thanks

[@TobyNewbatt]

You have the right to move your pension to another provider BUT as nest is your employer one the best you could do is change your investment choices. Also check with nest to see the minimum amount needed to maintain your pension…sorry it’s a bit of a complicated answer

[@miniade1]

@ Thanks, I had a thought it might just be I need to move it in my nest profile to a more higher risk investment. I’ve been wondering if it is wise for me to raise my pension contributions as obviously I can’t 75% of it till I’m 68 and although I’m 50 I don’t intend to work till I’m 68 and don’t want to put too much money where I can’t get it till 68 so want to max out my s&s isa every year instead as it gives me access when I need it.

[@Tom-m2s7n]

@@TobyNewbattof the back of this I’m going employed to self employed eventually limited, would there be any complications moving my nest pension to a vanguard sipp pension.

[@emmbns]

Hiya, thanks for the video. Why don't you use LISA?

[@Blackfeet]

lol thats what i wanna know? you get an automatic free 25% and then you're able to invest the LISA. It's a win win.

[@MacroHiker]

Probably because he’s a higher rate tax payer. If you are then the tax relief on a SIPP makes it better.

[@iangreenstreet1407]

Thanks for another great video- you are very dismissive of a GIA but once your ISA allowance is used up what choice do you have?

[@TobyNewbatt]

After an ISA you have the second most powerful investing account to also use, your pension (SIPP). This would always be my preferred route rather than a GIA. But of course you can use a GIA if you've maxed everything out, well done if you manage to do this only a small % of people ever do.

[@paulgordon5822]

I had to chuckle at your bitcoin uncertainty... "it's grown the most and wouldn't it be funny if it was my biggest asset" I personally love crypto, let us know how you get on with your BTC over time, I for one am interested. 😉

[@jacharakis]

Thank you. Learning more. I started my (very patchy) investing journey in crypto 6 years ago, and started inconsistently dabbling into traditional assets in 2021/22. I'm so glad to be learning more, and it's so good to know we can invest from the proceeds of our business company - wish I'd have known this sooner. Will go find your video on investing business cash, so we are ready to go as soon as tax season is finished - better late than never, as they say! Thanks for sharing and recommending ways to get going, really helps eliminate the kind of overwhelm that has one burying their head in the sand.

[@NM-hq1io]

Cheers for all the advice Toby, your vids helped me leave vanguard & switch to invest engine - keeping it simple / reliable, going to continue pouring into the S&P 500 & diversify only when I feel funky

[@aaronthomas6434]

Hiya love your videos been following the channel recently. I wanted to ask a quick question, you say in the video that you use a trading 212 general investment account to save your cash as an emergency account. However isn't a general investment account subject to tax on the way out?

[@TobyNewbatt]

Yes - a gia is taxable. I don’t make enough interest on cash to have any taxes paid. Everyone gets £500 savings interest allowance per year. So not a concern for me 👍👍👍

[@GlennRayat]

Hi Toby. Is SPXL in Investengine a normal S&P 500 3x leverage or just a normal one? Can't see much info about this. Thank you.

[@TobyNewbatt]

It's normal one for us here in the UK (BUT in the US there is a fund with the same name that is leveraged!) Here is where the confusion lies :)

[@GlennRayat]

@TobyNewbatt Ah thanks for the info Toby. I've started ISA with this fund in IE from Vanguard. Happy new year!

[@graemebosher588]

Hope you have a great new year Toby. Have you ever thought of a ssas pension being a ltd company owner for added flexibility? Also a Lisa for post 60 bridge to assist pension with no tax liability?

[@ian_md]

Pretty sure Bitcoin will overtake all your other investments combined! Any idea if we'll ever see the UK relax rules on Crypto ETF's?

[@stephen7032]

Hi how much should I put in for the first time investing thank you for all your support

[@TobyNewbatt]

It’s really up to you. It’s all really about long term thinking so being consistent is far more important than worrying about the amount specifically 👍

[@stephen7032]

@ thanks again 👍

[@danielsharp6272]

Happy New Year Toby! Thanks for the content and kudos!

[@TobyNewbatt]

Cheers mate

[@Tom-m2s7n]

Great video again! Toby, what’s your opinion on S&P 500 information technology over S&P 500

[@TobyNewbatt]

So that's basically a rip of version of the Nasdaq 100. It's past performance has been great but moving forward who knows. It's a lot more concentrated so as long as you realise the risk is higher, there might be potentially higher rewards too :)

[@Tom-m2s7n]

@ i suppose it’s hard to pick as I been doing both but they both invest highly into the same top three tech stocks and With the way of the world I’d imagine tech will outperform most going forward

[@mikew5274]

I don’t think it has to be one over the other. My pf is 90% Fidelity Index World which contains a decent amount of Mag7 but the other 10% is L&G Global Tech…obviously that is duplication but I want to be slightly overweight to bigger tech than I can get with the world index.

[@Tom-m2s7n]

@@mikew5274 Thanks Mike I’m fairly new to this but learning everyday and upping my investments everyday, I’m slightly confused by the tip of version bit aren’t all S&P 500 followers rip of versions?

[@Tom-m2s7n]

@ Ah just clicked 🤦 ishares tech copy’s Nasdaq 100, is that not the same principle as all S&P 500 followers? Also is there a reason you lean towards vanguard S&P 500 over say ishares ?

[@livingart2576]

Thanks mate. You are appreciated and don’t forget that! Happy Xmas and have a great new year! 😊

[@TobyNewbatt]

Always grateful for your support - same back to you 👍👍👍

[@roland8072-i2v]

SPDR MSCI ACWI (mentioned in Monevator's best Global funds) dropped its OCF to 0.12% in August 2024. This makes it cheaper even than most custom All World funds made from individual Vanguard ETFs. Is it one you'd consider switching to, to avoid the faff of having to rebalance, and potentially to be cheaper anyway? It is large enough, and been around for long enough, to be able to be compared, and is very comparable.

[@TobyNewbatt]

It's a reasonable suggestion! Also might be worth a look into for a future video on some of the best ETFs!

[@roland8072-i2v]

@@TobyNewbatt thanks for taking the time to reply :) For a pension HSBC's All World (also 0.12% OCF, and OEIC rather than an ETF) is still what I would pick, as ETFs are still listed as not covered under FSCS investment protection (even if cash in the account is under FSCS cash protection) - and its a grey enough area that for peace of mind avoiding ETFs makes sense for me. For a S&S ISA, where ETF-only providers can often be cheaper (at least at lower portfolio values) I'd be happy to use ACWI - and likely will for 2025 unless anything else comes along. Thanks as always for the videos.

[@preetipics]

thanks alot. Was going to enable the cash interest on 212 and noticed the disclaimer around the cash being used in QMMFs which could be a risk..thoughts?

[@TobyNewbatt]

Doesn’t concern me personally this is a risk you need to be aware of. Money market funds are a relatively safe investment. If you want the protection then you would need to use their cash isa 👍

[@preetipics]

@ok makes sense. Thanks for the response

[@SK-ql1fe]

Any recommendations on a stocks and shares Lisa - currently sits in a cash Lisa

[@mattsennett]

Really interesting Toby and my first thought on your whole portfolio is that you are well diversified. I suspect your single stocks have a mag 7 / AI feel about them which would make sense considering the run they have been on / future expectation. Happy New Year and all the best for 2025 👍🏻

[@ThiagarajanDuraisamy]

Also could you explain bit more on the uninvested cash in trading 212 what is the interest? Is it not same as keeping in cash isa?

[@dooooooo123]

The uninvested cash is the same rate as their cash isa on T212. The only difference is for some reason uninvested cash on the stocks and shares ISA is held in banks and QMMFs whereas they are held in only banks in the cash ISA section.

[@Lenny-nr4yv]

Love the honesty in your investment videos toby 👍

[@TobyNewbatt]

Glad it helps

[@aaronoc97]

Would it be better to invest a lump sum of 10k into the S&P 500 now, or DCA that 10k over the next few years?

[@GottaBeMatt]

Lump sum.

[@TobyNewbatt]

The data always says lump sum is better in the long term. But it’s up to you as most people could not just lump sum without worrying so much about their investments they end up panic selling

[@lawrencer25]

Another fabulous video...🎉🎉🎉 Congratulations on your investment s ❤❤❤❤❤ I have had bitcoin from 2016 , when i was paying $456 . Just like you i stopped investing a while back and the only mistake was , i shouid have bought more . Still happy with holding almost 6 bit coins 🤑 Technically i own more , as i have been investing in micro strategy for over 5 years now . All in my ISA'S. Given some great advice on how to get bitcoins into an ISA and took the wonderful advice .❤❤❤❤ Keep the good work up and have a fabulous New year 🍾🍾🍾🍾🍾🥂👍🥰

[@leannerathmell1863]

Do you also invest in a traditional pension? Have you done a video on pensions?

[@TobyNewbatt]

I've done lots of videos on ISA vs Pension etc. and how I invest my money

[@modernmuslimdating7776]

Thank you for sharing. i love your videos.

[@TobyNewbatt]

Glad you like them!

[@elmodiddly]

Just started looking into investing as I've wasted a lot of money this year. I know absolutely nothing whatsoever, so a steep learning curve, thank you for the videos, very interesting, if not baffling at this moment in time.

[@TobyNewbatt]

Just take your time - I promise you can understand the key basics it’s not that scary once you know how to

[@ThiagarajanDuraisamy]

In your eft portfolio, isnt the waitage on US stocks more? As S&P 500 and developed funds are overlapping. And the developed markets fund also has Japan and FTSE. Is it not same to consolidate all 4 into one etf- debeloped markets??

[@leethurman2412]

Thanks for the prompt response I will see what they say. 👍

[@campbell2741]

What other platform options are there to invest your pension into ETFs if your a limited company director and not over the vanguard cap in your current pension

[@TobyNewbatt]

Not sure at the top of my head, you'd need to google SIPPs that allow company contributions (im gonna assume its just the legacy main platforms)

[@se3059]

Any reason you choose not to use a LISA? Surely the 25% uplift and no tax on withdrawal (at 60) makes it a great priduct to sit alongside your SIPP?

[@TobyNewbatt]

the LISA is a great product, however it uses up part of my ISA allowance - which I am likely able to max out this financial year. I'd rather have the flexibility of the ISA in case I want to use money before retirement. It's not an easy call though :)

[@christiansoldier1118]

Do you plan to switch to putting more money into a SIPP later on in life rather than an ISA to maximise on theTax benefits?

[@TobyNewbatt]

I'll balance ISA investing and SIPP investing to make the most of them - for example from my business I'd love to put more money into my SIPP, but I also want to grow the business too. All about finding the balance and getting that right :)

[@christiansoldier1118]

@@TobyNewbatt I adopted 1/3 mortgage and 2/3 invest only wish I knew what you knew when I was 36 🙂- now I'm mid fifties and playing catch up!

[@proferob]

Out of interest, is the fact your portfolio is 100% equity with no bonds/gilts a personal choice? Just starting to invest and everywhere recommends a percentage of bonds depending on your risk levels.

[@TobyNewbatt]

Traditionally you are correct that a portfolio of 100% equity is on the riskier side. At my stage I’m very happy with this. Important to find what works for you though. Bonds are also not immune to market shocks like we saw in 2022.

[@ashleyhunt3491]

Great video, as always. Regarding Trading 212. Can you move stocks in a general account to an ISA account? Thanks

[@paulyoung22]

No, you have to liquidate your Invest stocks, then you can move the cash to your ISA

[@ashleyhunt3491]

@paulyoung22 Thanks 👍

[@stevensmithwhite3386]

What sort of allocation do you have in bitcoin?

[@lja8187]

Good video as always Toby.

[@TobyNewbatt]

Thanks 👍

[@Bossman525]

Do you still have your Hargreaves and Lansdown individual shares portfolio?

[@TobyNewbatt]

Nope that was moved a long time ago and was put into trading 212

[@simoncunningham2964]

Any content on how best to move S&S ISA from for example HL to T212?

[@TobyNewbatt]

Maybe in the future - but honestly it's so easy. If you ever want to move platforms you go to the new platform, set up an account and you initiate the transfer from your new platform. Super simple and everything in the background is taken care of.

[@katdosestuff8149]

Hello :) can I ask why you don’t use the stocks and shares Lisa as part of your portfolio? I’ve been using mine but I have only recently started investing. Im worried I’m missing something as I don’t hear of many using it as a retirement account (I do have a sip also)

[@TobyNewbatt]

As a retirement account it’s pretty good - for me the only reason is that I’d rather use my entire ISA allowance for S&S as I’m lucky enough to be able to max it out or get very close! Im then able to use my company money for my pension so I balance both types of investments carefully

[@katdosestuff8149]

@@TobyNewbatt I’m on track to max out my isa for the second year in a row but I’m not going to lie most of that is held in cash. I do plan to drip feed this in to a stocks and shares isa when I’m more confident in what I am doing :) I was planning to max out my lifetime every year within the 20k allowance but I’m not sure if this is the best thing to do. Thank you for your reply

[@matthewdodd7657]

I'm thinking about buying more gold in 2025. As it think is going to have a great year again.

[@TobyNewbatt]

It may do Matt - but then it can also do whatever it wants! Let's revisit in 12 months time :P

[@OGillo2001]

sovereigns?

[@anthonybrown4874]

Cheers Toby i have T212 & invest eng & a Vanguard ISA which i moved an older account into to save fees though they appear to have lost the plot and after their awful service transferring in a couple of years ago i am more than happy to transfer that to invest engine. I assume as you are a young guy you utilise the LISA whats your approach there? Not a crypto fan myself as when you want to redeem it and there are no buyers who is guaranteeing you get paid out seems like investing in fresh air to me.

[@octaviovinoly]

Can you let us know what are your 212 pie products?

[@TobyNewbatt]

Not for now, maybe one day. I don't want people copying my individual stocks when I'm trying to help mostly beginners.

[@gdjk1420]

Forgive me if this is a stupid question. But I thought you could only invest money in to one S&S ISA per year, so how are you depositing in two accounts?

[@TobyNewbatt]

@@gdjk1420 those used to be the old rules but they were changed all the way back in April 2024 😇. It’s much better now.

[@gdjk1420]

@ appreciate the quick reply. So weird that everything was telling me the opposite. That’s great!

[@juan-bf7hm]

Isn't your unimvested money more secure in the t212 cash Isa than in the s&s Isa? The interest they pay is the same

[@TobyNewbatt]

Correct but an ISA uses my allowance. I prefer to use the allowance for long term gains as I’m likely able to max it out this year 👍

[@juan-bf7hm]

@TobyNewbatt but you can just transfer from the cash isa to the s&s isa according as you want to invest it, what would be the problem with the allowance? I am interested in knowing this. Thanks Toby

[@DM-pv8ib]

What aren't you using a lifetime ISA? With the contribution boost surely this is a no brainer?

[@01302]

Toby, surely being self employed a lifetime isa offers you an incredible advantage over pension(regarding no tax at drawdown), how come you don't have one?

[@TobyNewbatt]

The LISA is great for sure - but then it also uses up my ISA allowance which I will likely max out this year. I'd rather have the flexibility of the ISA allowing me to take money out before retirement. Also - as a director, I'm using my SIPP as a very tax-efficient way for retirement (no corp tax, no personal tax to get the money out of the business). Money into my LISA would have been taxed by corp tax AND taxed on my dividends rate.

[@01302]

@@TobyNewbatt Thanks Toby. Hope you have a great 2025, really enjoyed your work this year.

[@salamanco968]

VWRP or VWRL? I've had good performances with latter

[@TobyNewbatt]

They are the same fund but VWRP is the one that reinvested dividends so once you factor that in the performance is identical.

[@leethurman2412]

Toby if I already have a cash ISA and have invested my £20k for 2024 but would like to open an account with invest engine, wouldn't my £100 account opening investment take me over my tax free limit? How do I open an account without issues?

[@TobyNewbatt]

Good question - I am not 100% sure, I think your transfer would count. Maybe shoot IE a message to confirm?

[@leethurman2412]

@TobyNewbatt IE got back to me a suggested I open a general account and then transfer the accumulated funds to an ISA account when the new financial year starts but not before. 👍

[@martinjones6762]

2 funds that I have invested in and will add to due to Trump favouring US domestic companies -Premier Miton US Opportunities fund Acc.and Artemis US smaller companies fund Acc

[@davidlong8217]

Would you consider a NASDAQ etf?

[@Norfolkpaul]

😊keep up the great work on your video 👍💰

[@Azoth19-s2s]

Can you please share your invest engine portfolio outline?

[@TobyNewbatt]

I do an update every month every video is on my channel 👍

[@alxenache]

Regarding Vanguard's fee increase, I am happy to pay £4 per month almost doubling my fee but knowing that I am invested in on of the best and diverse global funds on the market at the moment.

[@Crazydiamond_1974]

You can buy Vanguard funds on all platforms though

[@alxenache]

@ you can’t buy VAFTGAG on other platforms and I prefer simple investing. Sure, I could invest in VWRP on other platforms, but VAFTGAG has double the companies in its portfolio than VWRP.

[@MikeBradleyUK]

😂

[@fredatlas4396]

​Not the ftse global all cap index fund. On interactive investor it works out more expensive unless you've got loads of money invested with them, and they charge to buy and sell ordinary funds, index funds etc

[@armuk]

@@Crazydiamond_1974 except the broadest, arguably best, world fund - VAFTGAG

[@Nancy20012]

We can see that the top share is Google ..

[@caracal9458]

How come you don't get a LISA? 25% guaranteed gain before you even start investing seems a no brainer, especially with how much you are putting into ISAs?

[@TobyNewbatt]

@@caracal9458 I’m going to max out my ISA allowance so I want to use the S&S side. lISA is excellent though. But there’s no flexibility to take it out early if you want to

[@samwfeefeg6588]

​@TobyNewbatt still makes sense to put 4k in a stocks and shares isa though and stick it in an etf. If the goal is long term what does it matter if that portion can't be accessed until 60?

[@TobyNewbatt]

@@samwfeefeg6588 It makes a huge difference if you want that money at 55, 52, or any age :) - a LISA is great but it's not magic. If I want to buy a house with my investments or some other big purchase and I can't have any money until 60 that wont work for me :)

[@Mileshals]

Hi Toby, why don’t you use a LISA out of interest? It’s a great retirement planning vehicle :)

[@jayjodijones9756]

Plus a free £1k when you maximise it each year!

[@dooooooo123]

Depends, you can still outperform the LISA with the standard S&S ISA. If you use a stocks and shares LISA however that's a really good option for growth. My LISA is cash isa version so it's just a slow grow tucked away fund. Which is fine, because if shit really hits the fan and I need more than my emergency fund then I can grab that money and take the withdrawal penalty hit even if that isn't ideal.

[@Mileshals]

@ s&s Lisa is what I was referring too. Completely tax free from the age of 60 so a fantastic option for growth alongside a pension.

[@dooooooo123]

@@Mileshals S+S ISA is always tax free so swings and roundabouts really. They both work pretty similarly! I think the regular ISA is better just because you can withdraw without penalty anytime.

[@Mileshals]

@ you’re forgetting the 25% bonus on the Lisa which you don’t get on the ISA.

[@Markyb444]

Hi Toby could you share the link for where you buy bitcoins please

[@TobyNewbatt]

I’ve used reputable firms like Coinbase before to buy my crypto and now I hold it offline on a Ledger wallet. Just stay safe out there 👍

[@emmamusic4600]

Does anyone know if aj bell or vanguard is cheaper for the ftse global all cap ?

[@Kaizen917]

Must be some correlation between us index fund investors and OW players....must be!

[@TobyNewbatt]

Hahahahaha

[@JohnFord-c5l]

Invest Engine now has a flexible s&s ISA😊

[@TobyNewbatt]

Yes indeed it does

[@JohnFord-c5l]

@TobyNewbatt We'll probably-with a bit of luck- get 18months of frictionless investing from Invest Engine, before they decide to do the dirty as well..waiting for the mass exodus to other platforms then😂😂😂😂😂😂 Hey Hooo

[@ASuwan22]

Is Invest Engine good for S&P 500?

[@TobyNewbatt]

There’s many S&P 500 funds on that platform if that’s what you mean 👍

[@ASuwan22]

@ yeah. I was going to join Vanguard but they charge £4 a month now.

[@abdulrahmanmoha8796]

Why don't you share the individual stocks you gave invested in?

[@TobyNewbatt]

@@abdulrahmanmoha8796 I don’t want to influence anyone is the main reason. Also I want to keep the important reminder that most people need to start with far less risky investments!

[@wl660]

He has been very clear about not offering financial advice. He has said picking individual funds is far riskier - so I don’t blame him. He has a big subscriber base and could be seen as manipulating them. And they could go down. Recommending Tracked S&P500 is one thing. Recommending individual shares are against the core message of his videos and a bridge too far.

[@danh4859]

You can get tax sheltered investments as a Bitcoin proxy in your ISA/SIPP - Coinbase shares, BTC miners etc - not recommending, just saying!

[@RRedmondiy43]

Hi Toby, thanks for the video and an envious position to be in, well done to you! can you do a video on covered call ETFs? For example JEPI, JEPQ, JGGI? I’m very interested in them but can’t tell if it’s a con

[@TobyNewbatt]

Good video idea thanks

[@FlorentinaStroup]

Even in the volatility, I still see XAI515K coming out strong 🚀

[@Stevenc1984]

Why not just have a small amount of MicroStrategy in your ISA?

[@TobyNewbatt]

a highly leveraged company that buys BTC? I'd rather just buy BTC :)

[@Stevenc1984]

@TobyNewbatt Yes, but you can hold it in an ISA and therefore there's no CGT issue.

[@TobyNewbatt]

@@Stevenc1984 Yes sure but it can also go bust :) - there's a huge company risk. Too much risk IMO :)

[@Stevenc1984]

@@TobyNewbatt That's fair I guess. I was quite sceptical about BTC generally for a long time, mainly as I thought those in charge would sabotage it, although I've always liked the concept.

[@Tesla-AP]

Good Video My thoughts BTC will out perform your other investments over the long-term providing you hold beyond 2035

[@TobyNewbatt]

It may very well do - I'll be sure to keep everyone posted if thats the case!

[@peterwstacey]

Happy New Year Toby. All the best for your investments and also non-finance stuff in 2025 👍

[@malky9645]

Tried to use your promo code on t212 and it says it's reached it's limit?

[@pigsinpyjamas9410]

There are a few pension companies who have started investing in Bitcoin

[@MistyyBrown]

Is student loan considered a debt?

[@lionelolivier5827]

Why do you exclude a lifetime ISA from your portfolio?

[@TobyNewbatt]

the LISA is a great product as I have said many times, but the downside is that it uses up my ISA allowance (which I am maxing out this year in S&S) AND it only lets me take money out at a certain age. That's too inflexible for me, and I can use a SIPP for that. As a company director It's way more tax efficient to use a SIPP compared to a LISA :)

[@ryanmason491]

How are you paying into 2 stocks and shares ISAs in the same year? Didnt think that was allowed?

[@triggercky9928]

Can have as many as you like aslong as not taking it above the 20k a year new money.

[@tmax259]

It used to be that you couldn't open more than one ISA in a financial year. That has now changed and you can open as many as you like as long as you only put in the max of 20k across all platforms!

[@Terrainahead1]

@@tmax259 Fantastic! So across different platforms not multiple on lets say Trading212?

[@DefinitelyNotAGuru]

Your brother sent me here - great video quality -Toby! I need an editing lesson I think. We've got the same PC case by the way! 😁

[@TobyNewbatt]

Thanks Jim! Good luck with your channel too :) - go get Overwatch!

[@DefinitelyNotAGuru]

@@TobyNewbatt Ha, I must!!

[@terryjones9987]

Some solid gold,,,,,, and since you seem a nice chap, perhaps you should invest in growing your own career for old age,,,, a child a two 😀

[@leannerathmell1863]

Where can you find stocks that pay dividends?

[@winstonsmith3690]

The platforms he has recommended all have dividend stocks.

[@minimad8793]

Have a merry new year Toby, keep up the good work on the running :)

[@pebblesbambam9052]

Whats the code for the NASDAQ etf on 212 anyone please 🙏

[@TobyNewbatt]

One option is EQQQ - please double check though :)

[@VoiceOfThe]

Toby, I’ve two small work pensions that I’m not happy with - fees are high / limited choices of funds etc. Set about consolidating into one, Legal & General refusing to accept transfer in of the other pension as I’m no longer a U.K. resident. They shouldn’t be allowed to do this. I can understand I can’t access it until a certain age, but, if I’m not happy with the fees and how my money is managed, I should be able to address this shouldn’t I?