Vanguard Portfolio Update - June 2024

[@Gjudxdkjyzddhjnr7091]

I want a Toby Newbatt vs Damien Talks Money rap battle in the near future

[@TobyNewbatt]

😎

[@superslip103]

But seriously, any chance of a collaboration?

[@TobyNewbatt]

@@superslip103 we will at some point I'm sure, we talk often :)

[@jonathanreevescad]

Yes. First comment! I do agree AI is both a huge opportunity and threat in all areas including 3D architecture which is my area.

[@Boghopper9999]

It will augment you, not replace you.

[@chrisf1600]

3D architecture as opposed to what... 2D ? 4D ?

[@TomsPersonalFinance]

Thanks for the update, Toby

[@Abdul_Rahman86]

AI is definitely over hyped! The stock market is overvalued! But if I hold for the next 30 years I’m sure it’ll be worth a penny or 2

[@callum6652]

Always know it’s going to be a good video when the notification pops up

[@TobyNewbatt]

👊

[@mullany08uk]

You’ve become a staple in my ‘go to’ videos. Always something useful. Thanks 👍🏻

[@TobyNewbatt]

@@mullany08uk thank you 👍

[@thomasJF85]

You can send a secure message on Vanguard and ask them to transfer the residual cash to your ISA (i.e. to retain its tax-free status). I had the same. It does appear to take a while, like the initial transfer of the main ISA did.

[@TobyNewbatt]

That would certainly be a good option!

[@Jack93-o1q]

urgh I made a mistake today, sold all my stock to change from VUSA to VUAG then changed my mind and went back but lost all my progress stats. I could see I was up 21% up before and now I can only see from today so now in the red by 0.22%. Haven't lost any money but just seems like I made a mistake, i liked seeing how much I had made from when I started. Lesson learnt to just not touch it.

[@PhillCurtis]

Do you remember rivians valuation at IPO, 120 billion Valued well beyond volkswagen at one point and they hadnt made any cars. Crazy times in the bull market of 2021 i believe I wonder how many short sells eyed that up

[@simonnicholls3650]

I'm with you..Know idea whats coming..Just buy and hold.

[@pannieantoniou8338]

Free share 10 day window.... Hey Toby. I really like your Channel and out of everyone who offers the free share with 212, I opted to go with you, accept I missed the 10 day window. Not a biggie, but it may be worth just mentioning that, possibly... love your content and your unique delivery ... best

[@declanmcardle]

@0:46 a dip? NVDA lost a whole TSLA worth! 🙂 Most of it back now...

[@coderider3022]

I swapped my global all cap to VHVG to save costs. Tracks the DM too closely even if they massively over or under perform given their size in comparison

[@Abdul_Rahman86]

Need a toms personal finance, hooked on finance, Damien talks money to get together with some beers and a podcast !!!!!

[@Norfolkpaul]

Well done 👍

[@richsmart321]

Another good video thanks Toby. FTSE remained flat, but how’s it doing in terms of dividends? Be interesting to know if ftse and owning dividend shares as part of your portfolio is a worthwhile way of diversifying your holdings for long term

[@TobyNewbatt]

Here's total returns including all dividends :) I've made quite a few videos about dividends you might like.... FTSE 100: 1yr - 14.71% 3yr - 29.17% 5yr - 33.20% 10yr - 77.31% S&P 500 for reference: 1yr - 27.8% 3yr - 29.17% 5yr - 103.59% 10yr - 235.56%

[@richsmart321]

@@TobyNewbattwow you really are on top of your numbers! That really makes me depressed about the state of our London Stock Exchange.

[@The_Unintelligent_Speculator]

Happy dividend day 🤑

[@coderider3022]

Gilts pay out income next few days too.

[@Matt-ndiffbfj]

Great video mate. Just a quietism about the global all cap acc: when are the dividends actually paid to be automatically reinvested? Is it the end of the year eg December?

[@clarenceishmael9615]

Good work! Thanks for sharing. 😊👏🏾

[@TobyNewbatt]

Thanks for watching!

[@AzzieTheGamerr]

quite a small pension for your age tbh, i mean the 10k gain is good, hope it doesn't go down, i don't add anything to my pension so the government don't take any when i retire

[@TobyNewbatt]

I think you might be surprised how big it is if you look at national averages :) - but its just one part of my wealth. A pension is just one of many tools to use :)

[@rakk7049]

It will be nice to see how long Vanguard take to put the government tax relief payments into your account (I suspect we will see in the July update) and if they automatically buy the fund for you, or if the relief payment just sits as cash in the SIPP account.

[@TobyNewbatt]

Yes for sure! I'll keep you all updated on that one

[@alantrunks2908]

What would happen if H&L does get sold to PE? For example, what would happen to our parts we hold inside the ETFs? Would it push the price of the ETF up or down?

[@TobyNewbatt]

good question - well as you can see the market has already priced it in on their share price. You're ETFs with HL inside of them have already benefiitted over the past 6 months. Once they get sold, the ETF will get their share and then have to reallocate. Either way, the market has already priced this in that's what it's very good at :P

[@valerienewbatt9678]

Very good video,as always.

[@idiomatika]

A 22.95% pension return sounds an awful lot more attractive than what I'm currently getting with PensionBee (14%), but as a know-nothing neophyte investor, I imagine it would probably be wiser to stick with the professionals than go it alone with a SIPP, right? *EDIT* Actually, I just had a look and the PensionBee growth is currently 17.2%, not 14%. That's not too shabby.

[@IAmebAdger]

Invest regularly into a low cost diversified global index fund (VWRP for example or the one in Toby's video) or target date fund and do not touch it or meddle with it, nice and simple. If you don't trust yourself to do that, then a professional might be right for you, as long as fees can be kept low (some professionals are really ripping you off, that 17.2% growth isn't what it seems, gotta subtract professional fees from it and see if it's still worth it).

[@declanmcardle]

The reason is because it's probably invested in something good like S&P500 / MSCI World etc. which have gone up 30+% since October 2022, not some crap that Legal & General or Aviva have hodged podged together and said "there, that'll do for everyone in the telecoms/shop workers/rail & bus/teachers/nurses unions."

[@simoncook1325]

I moved from.pensionbee a year ago mainly due to very high fees and very limited choice of funds.Made double what I would have made by switching to vanguard

[@wheeljack0]

I also live in the U.K. Is it better to put money into the S&P 500 or the FTSE? Have you done a video on this?

[@TobyNewbatt]

I’d certainly hope you don’t mean the ftse 100 🥲. I have done videos on global vs S&P 500 that might help

[@wheeljack0]

@@TobyNewbatt I did, lol. Very new to all of this but enjoy your channel.

[@lewishall5510]

Hi Toby! Just wondered what your thoughts were on etf portfolios that allocate a small percentage to a growth and dividend stock, e.g. a 3 fund VOO VHYL and QQQ portfolio? Thanks!

[@SpeakHearSeeNoEvil]

I'd keep it simple and buy the S&P 500 and call it a day.

[@coderider3022]

I love idea of QQQ but tech is super risky so only in small amounts / satellite.

[@Petersworld77]

Hey Toby, what’s that clock behind your head? Is it a market ticker too? Cheers.

[@TobyNewbatt]

Check my description! So many people ask I have it there. It’s a WiFi smart panel and it can do basically anything so I have mine as a ticker 😀

[@Petersworld77]

@@TobyNewbatt great thanks 👍

[@kw8757]

@@TobyNewbatt Can you make it show a picture of the moon for that neon rocket lamp to go to? Soon as please I want to retire now!!!

[@barmyb]

I bought the same index fund when i started investing and was still learning and stupidly bought the income version instead of accumulation. If i switch it over will i lose out somehow or does it make no difference? Im not sure how to switch it on the Vanguard platform and if its a good idea or not.

[@TobyNewbatt]

Will make no difference - Vanguard would sell one and buy the other one. in your investments page, there are 3 dots next to your investment. If you click that you have buy, switch or sell - you can choose switch if thats what you want totally up to you.

[@barmyb]

@@TobyNewbatt ah Thanks for the reply Toby really appreciate it!

[@KateBuesgens]

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

[@ericgrantl]

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist

[@EdwinaLis]

@@ericgrantl I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders

[@belenkayaarina7860]

@@EdwinaLis Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@EdwinaLis]

@@belenkayaarina7860 My CFA Jessica Dawn Walters , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@belenkayaarina7860]

@@EdwinaLis Thanks for the recommendation. I'll email her and hope to get in touch soon.

[@crispianhindmarch4183]

If there is a huge so called bear market are you risking your pension. i.e. 52,000 would drop by how much? Would a pension company mitigate by using bonds or other measures?

[@TobyNewbatt]

Honestly it doesn’t bother me. You can use all the bonds you like but in a bear market we’re all going down 😀. That’s the benefit of being young and investing in stocks this is for many many decades. Remember in 2022 bonds had their worst ever year…even a conservative investing portfolio is going to be mostly stocks Each person to their own strategy though as this is up to you 👍

[@coderider3022]

Buy more, sale would be on. I would even sell bonds to buy stock. Locked and loaded for trump to disrupt market.

[@anthonybrown4874]

Bonds as a method of locking in the value just prior to retirement might be OK but you also lock out the upswing and if you want to do drawdown the future growth potential is stunted. For me I have picked only 100% equity funds in my Smart Pension.

[@leestorm5640]

HI, I just starting with Vanguard,I would like to know how much they fee charge you on the end of year. Thanks for video,

[@TobyNewbatt]

Account fees are 0.15% for the year - they are charged quarterly and you can pay by direct debit, cash in account or card. I pay mine by direct debit

[@CrazyKosai]

@@TobyNewbatt Hey Toby, what are the advantages of having that Vanguard account directly, rather doing this through broker platforms like XTB? Thanks for the info.

[@TobyNewbatt]

@@CrazyKosai None :) The platform and the funds are completely separate things. I just like the platform for the SIPP - it's one of the lowest fees, no transaction costs and I like the brand safety too.

[@leestorm5640]

So 0.15 % then 0.23% and any more ?

[@TobyNewbatt]

@@leestorm5640 the platform fee is 0.15% and any other fees are based on the fund itself that are baked into the fund itself. I hope that makes sense. You only actually pay the 0.15% as the other fees are automatically removed from the fund itself 👍

[@simonspencer3108]

These vanguard updates are a bit content light… like the channel, but these ones don’t have much of a hook…

[@bob1234881]

Just sold my IT etfs and changed them to Idian and S&P 500.

[@notwkrail]

I understand that u don't need social housing. Just make sure the immigrants are invested

[@jaysea8t]

Sorry correction SMGB

[@MrSimonious]

Dont be left holding the bag when everyone has dumped. Get out while you can, dont be greedy. More risk of dropping than going up more

[@TobyNewbatt]

Quick everyone! Sell everything! Buy gold…build a bunker! 🙃

[@onefrequencydown]

​@@TobyNewbatt👍

[@kw8757]

What time frame are you predicting here? Tomorrow? The day after? Next week? Next month? Next year? Ten years? What does your crystal ball say Mystic Meg?

[@MrSimonious]

@@TobyNewbatt dont fall into the eternally hopeful/ optimist. A correction needs to happen is all im saying and you dont want to watch it all evaporate.

[@ds2575]

​@@MrSimoniouswhat if it doesn't happen for 2 years and you miss say 30% of growth waiting for a 20% dip? Each to their own though

[@notwkrail]

Anyway

[@TobyNewbatt]

Anyyywwwaaayyyy

[@MatthewDaniel3]

Hallelujah!!! I’m blessed and favored with $60,000 every week! Now I can afford anything and support the work of God and the church. For Your glory, LORD! HALLELUJAH!

[@SarahElizabeth_yt]

Oh really? Tell me more! Always interested in hearing stories of successes.

[@MatthewDaniel3]

This is what Ana Graciela Blackwelder does, she has changed my life.

[@MatthewDaniel3]

After raising up to 60k trading with her, I bought a new house and car here in the US and also paid for my son’s (Oscar) surgery. Glory to God.shalom.

[@JessicaMarieXrp]

I know Ana Graciela Blackwelder, and I have also had success...

[@JessicaMarieXrp]

Absolutely! I have heard stories of people who started with little or no knowledge but managed to emerge victorious thanks to Ana Graciela Blackwelder.

[@alexbingham7928]

Sweltering hot 😅 it's summer you listen to BBC news too much chap!!!

[@PhillCurtis]

manchester was hot, but i was stuck in the office 😅 bloody typical. I missed summer again 😪

[@notwkrail]

Ouch

[@declanmcardle]

@7:50 - I don't know what you earn, but I'd max out my pension contributions while you're young and you have the money....whats the UK limit ? 30/40/60k a year?

[@jaysea8t]

What’s your thoughts on the shgb etf? From what I can gather it’s based purely on semi conductor manufacturing? Surely there is a future here as almost every bit of tech both existing and upcoming will use them? Thanks for the content 👍🏻

[@Chanesmyname]

AI is a really powerful device and has the ability to fit in to so many areas of human life that it seems limitless. I feel companies like pltr will just get bigger and stronger. I guess we will see.

[@monicalewis7177]

Christopher Wray, No Grady Wicker Jr.

[@chrysanthosrialas5383]

Did you transfer from HL to Vanguard? If so how long did it take

[@capcomgenius3974]

Thanks Toby, Good update!

[@james2450]

I'm not sure FedEx's recent surging revenues are a reliable proxy for increased US consumer spending. Happy to be corrected, but I would have thought a large proportion of FedEx's business pertains to business to business deliveries, not sales to consumers. There was an article in the FT a week ago highlighting the fact that consumers in the US are spending significantly less on food and groceries vs pre-pandemic levels. They are evidently tightening their belts and I'd expect that personal debt levels are increasing in relation to GDP.

[@TobyNewbatt]

I’ve not checked the B2B vs consumer stuff but I would say that a business isn’t moving stuff around unless they have someone buying it so it all comes down to having customers spending money 😀. I think a strong case can be made for both strength and weakness from the US consumer…some things they are buying loads of and others they clearly aren’t 👍

[@richardhinchliffe2665]

Surely you won't get anything from HMRC if it goes in as a Ltd contribution, unless taking as drawings or dividends then putting into a pension. The saving is in corporation tax, unfortunately you can't get tax relief twice

[@TobyNewbatt]

Correct sorry if I did not make that part clear - it's either you contribute as a person from after tax earnings and then get the tax refunded from the top-up OR you contribute through the business and make the saving on your corporation tax + potential dividend tax on your person :)

[@smashschool6747]

Toby I am also self employed. Do you have a video explaining the benefits of a personal pension? And how that all works?

[@TobyNewbatt]

Not in depth..it sounds like this could be a very valuable video! Watch this space

[@notwkrail]

When or if InvestEngine Personal pension transfers become available. Will you transfer as you have done with other stocks and shares ?

[@TobyNewbatt]

I’ll keep it separate as I like to have some diversification on my platforms. I’m making a small pension on InvestEngine too already 👍. In total I use vanguard, trading 212 and InvestEngine

[@versaceviper9798]

What’s everyone’s thoughts on AI ETFs like RBOD and BOTZ?

[@coderider3022]

DM is 25% tech and it’s all US, already too many concentrations here. It’s unsustainable and will cool off. Sorry to burst bubble, I’d rather buy when cheap not expensive.

[@davidboulton7383]

Great video Toby. General question on s&s isa's. Is there any benefit in investing into two s&s's isa's between a couple opposed to one? To caveat, we're nowhere near the £20k allowance. Say, £300 each opposed to £600 a month. Appreciate your thoughts. Thanks

[@TobyNewbatt]

So I guess the only issue is a legal one - technically an ISA is per adult there is no such thing as a 'joint' one. So it is in either your name or your SO's name. Really doesn't matter other than that :) - good reminder to always consider your partner though if you ever did break the £20k mark for whatever reason :)

[@davidboulton7383]

@@TobyNewbatt cheers Toby, much appreciated

[@angeloflam]

Hiya Toby, thanks for the update. I noticed you said about paying into the pension (self invested personal pension) through the business and that comes out as a tax benefit. If I’m a limited company am I able to do this also?

[@TobyNewbatt]

Yes, you are able to make a contribution from your Ltd company if you are a director. The same rules apply that in total you can contribute a maximum of £60k per year or 100% of your income (whichever is lower). The benefit is that the contribution is a business expense you so you save on corporation tax and any dividend tax

[@angeloflam]

Fantastic, and that can go into any ETF? So I could invest as an example £500 per month into S&P 500 as my pension and get the tax benefits?

[@TobyNewbatt]

@@angeloflam correct, you can invest in your SIPP inside whatever you like so long as the platform has access to it :) Just make sure the SIPP provider allows contributions from company accounts.

[@angeloflam]

@@TobyNewbatt thank you so much 👍🏼

[@davidmelrose8051]

Just withdraw the 12 quid

[@TobyNewbatt]

I could get a few meal deals

[@kw8757]

@@TobyNewbatt Add it to your pension and get the tax relief. In 25 years at 5% net/pa it'll be worth £50. (Not financial advice, the value of investments can fall as well as rise and past performance is not an indication of future performance).

[@mr.wibble]

Labour for 5 years - brace, brace, brace. They are not the party for business. Taxes and inflation will go up guaranteed Toby; it happens every time.

[@davidhogg657]

Conversely, those of us who work in health care are running on empty. Have you been near an A&E department recently? Pandemonium

[@TheGavranatar]

​@@davidhogg657and Labour are going to save it?

[@coderider3022]

Pay your pension and avoid income tax.

[@davidhogg657]

@TheGavranatar I think probably not, though more likely than this shower.

[@davidhogg657]

@@coderider3022 neither are an option for me