Vanguard Portfolio Update - Stocks & Shares ISA (March 2024)

[@deevaghela219]

Only discovered your channel recently Toby - what has stood out is the tone in which you deliver your message which is balanced and overall positive and encouraging - some others with similar channels are “so dramatic” about their messages and constantly wanting to grab the headline and the content is the same old same old. Keep up the great work!🎉

[@jonbacon6664]

Agreed, Toby and Damian I feel are genuine and want to inform us

[@TobyNewbatt]

Always grateful for the support thank you 🙏

[@disct1597]

Once again, a great video from Toby, no one on utube explains and does it better. Thanks Toby.

[@lifeisagame2023]

Doing well. Only recently hit 4 figures profit few weeks ago. And it's up 10% already. Only small investment n since 2020. Very happy with it so far.

[@TobyNewbatt]

Always nice to see and it helps keep you motivated as well!

[@seamusmurphy9415]

When you invest in Ireland you get hit with the deemd disposal rule that means the tax at 41% every eight years even though you haven’t sold your stock. To avoid this have you any ideas? I may speak to my accountant about some sort of Irish isa or a pension fund

[@minimad8793]

Thanks T. Not a bad percentage that. I am a year on you in vanguard and at 34.30% increase plus I have a smaller pot. may have stumbled into vanguard and caught it well (timed the market at a decent time). cheers for the update dude :)

[@Bosshog-WealthHealthBetterment]

I think with the British ISA, if it comes along, a better approach isn't to force the brokerages to identify relevant stocks, but instead to encourage the likes of Van Eck and Vanguard to create a British compliant fund. It can be weighted however, including options for everything ETF or be stocked picked investment trust. But then it's very easy for a brokerages, they just allow only to buy those holdings within an account you hold, in the same way I can't buy certain ADRs in my ISA but can do in the GIA, and that exists on T212. You'd presumably have a BISA section that would only return acceptable options when you searched, and would give clear ringfencing. Arguably, the solution would also help mitigate risk by in essence forcing funds if you want to take advantage of the British ISA. Or, T212 or whoever could still allow compliant single stocks, but they would need to create this categorization, which might be more complex and costly, but giving the market an element of differentiation and choice.

[@MATIvmr]

Bisa ain’t coming lol

[@valerienewbatt9678]

Great video, so informative.Toby as always.

[@nicobass1966]

I sold Tesla as got very bored of it , cheers and great update - 19.5 % return over the last 18 months in the s&p 500, so happy although some tax to pay but better than any savings account - ups and downs , yes but hold up and ride the market. Make the most of the new ISA rules come April - Cheers

[@Vajsbsbssjssmsnsk]

The investment you choose isn't right or wrong, just depends on the kind of business person you are or simply the kind of person you are. However, the end game is investing money long term creates wealth every time. Just pick what you like and understand, invest and it will pay off. A lifetime of investing for 5 mil is not hard to accrue.

[@RimaFawver]

But experts and strategists are telling us that those who believe the market will still bounce back are simply delusional - and they are about to get a reality check.

[@connoroleary591]

You have inspired me and after watching many of your videos, i finally decided to utilise my full Isa allowance before the April 5th deadline. It's the first time i ever has an Isa, so it was a big deal to me! However, i was disappointed that my Revolut Debit Card was not accepted by Vanguard. I have accounts with Santander and Nationwide too, but no debit card!

[@TobyNewbatt]

Welcome aboard and top work! I should be able to max out my ISA next week too before the new FY :)

[@ThatInvestingChannel]

Very honest and simple explanation, I like your idea of separating individual stocks from ETF’s and Mutual funds by brokers to avoid FOMO. Good video 👍

[@TobyNewbatt]

I'm going to do a video on this as I think its a very interesting investing psychology discussion! :)

[@Sanchyfab]

Absolutely love it!!! I'll have to be financially stable in every sense before purchasing my first supercar. The best thing to do with your money is to invest rightly because money left saving will end up with no returns

[@clarenceishmael9615]

Thanks for being so consistent with your content. Appreciate your work. 👍🏾

[@Lovemy911]

The ftse 100 has been dead in the water for too long, ive given up on it entirely now , Usa all the way for me 😮

[@Andygb78]

A fixed rate cash ISA gives better returns than the FTSE 100 without any risk.

[@SirHargreeves]

FTSE 250 has far better performance historically.

[@christines5430]

A good, informative video as always. I keep being pleasantly surprised every Friday when I fund my ISA and SIPP. Hopefully, this will continue for a long while! I do love the Vanguard countdown clock. Keeps me focused 😊

[@TobyNewbatt]

Always nice! Just be prepared in case there is a dip. I’ll be along for the ride and continuing regardless 👍👍

[@christines5430]

@@TobyNewbatt After going through the dips over the last few years, I am hopefully psychologically prepared because they will certainly come again😂, and yes, I am just continuing to do what I am doing, regardless.

[@KJ318.]

Great informative content as usual, thank you for sharing your journey, it really helps 👍👍

[@maltesetony9030]

Bags of common-sense & sound-thinking here - as always!

[@kwood1493]

Never thought to add cash to my account to use up my allowance! Great tip👍🏻 sub well earned!

[@TobyNewbatt]

:)

[@kwood1493]

@@TobyNewbatt do you know how much interest vanguard pay on cash?

[@bikeman123]

Stock pricing seems to be completely dependent upon the computer algorithms, more buyers price rises, more sellers price falls. Since many trades just following the herd, stock price no longer has any correlation with a company's performance. Its little different from gambling. Buy profitable companies that pay dividends.

[@TobyNewbatt]

So buy stocks that pay a dividend is the way forward? Do you know how many stocks that pay a dividend over the past 20 years have beaten the average return of the market on a total returns basis? I'll let you know later :)

[@spartacusptolemaida]

They thing with those UK Inflation numbers is that they don't take shrinkflation into consideration. Actual numbers are quite higher.

[@simoncook1325]

SMH etf increased nearly 6%in 1 day last week.Glad I have some invested in it

[@livingart2576]

Haven’t watched yet but I will say this. The top 3 stocks in the S&P500 are propping up the rest of the market. Without those 3 companies the market is actually down over 20%. Keep em coming Toby 😀

[@TobyNewbatt]

The beauty of a market weighted index :)

[@JanBaptysta]

Pozdrowienia od widza z Polski 👋

[@bartlemi5]

Wasted the best part of a decade and a half on investment in the UK market. The last decade investing in the US market has saved me! 😊

[@TobyNewbatt]

10 years has done you well though! Now just got to keep going

[@boyasaka]

My vanguard account is doing very well 10th jan I put 5k in S and P and 5k in all world etf Then 10th feb put in £2.5k in each 10th March put another 2.5k in each Total invested over the 3 months 20k Fund value now today £21400 Plus my work pension is also flying I had 100k in my pension pot on November Added 1500 December 1500 January 1500 feb And my March payment is yet to go in So 100k plus 4500 is of course 104,500 But pension is now 119k Flying

[@larsenb4803]

I'll make a guess... your work pension isn't with Royal London.

[@boyasaka]

@@larsenb4803 no mate it’s a work pension called LifeSight with a company called Willis towers Watson ( WTW )I’d did drop back canny few percent during covid like everything but over the last 12 months it’s returned 28 percent which I’m over the moon with

[@frusciantesplectrum7980]

My vanguard account is at £144k but sadly I’ve decided to take it out next year and pay off the rest of my house. I might regret it but I like the the idea of paying my house off.

[@TobyNewbatt]

Congrats on paying the house off. No point having investments id you don't use them for something important to you :). I'm sure you'll feel great :)

[@king2king1000]

Great videos Toby, i like that you share your journey unlike other vloggers who preach without the transparency. Do you have any views on China stocks? If you want a good bargain, arent they worth investing?

[@TobyNewbatt]

Could be a whole video that topic! I think there is opportunity everywhere for a small number of people who get it right, but how much you want to bet on it is another matter :)

[@MuchoMate]

What options to park the money for a while in fixed income for anything like 5 o 6%? Assuming it can't keep growing at this rate? Thanks

[@capcomgenius3974]

Cheers for explaining Toby!, I did wonder why the stocks were shooting up. I just heard there was a meeting in the US that was positive!!. What's that screen behind your head?.

[@TobyNewbatt]

Check the description for the screen, I now have a link as so many people have asked about it. Maybe I need to make one for the channel one day :P

[@lrac111]

Hello, if I open a sipp with and buy a short term sterling money market fund until I'm ready to invest in other funds, is my money protected in the money market fund by the fcsc scheme? Thanks Toby please help

[@TobyNewbatt]

money market funds are not protected by the FSCS scheme, nor are any 'investments' it's not designed to protect you if your investments go down. But if a money market fund were to fail...we'd have much bigger problems to worry about in my opinion. All a money market fund is, is a collection of short term bonds - if you choose a quality one then something very bad would have to happen for it to fail. If you want zero risk you have to use something else like a Cash ISA or Premium Bonds

[@someonesgoat]

You mentioned at the end not to invest outside of an ISA due to capital gains tax. What if you want to invest more than 20k p/a to grow the pot faster, would you not recommend to invest into a GIA because of that and to invest elsewhere instead?

[@TobyNewbatt]

Good question - well if you are lucky enough to invest £20k per year into an ISA and still want to invest more you could consider: 1. Pensions/ SIPP - a great place to get taxable benefits and you can invest up to £60k per tax year (including workplace, up to 100% of your earnings) 2. Yes, any GIA is fine, but you should definitely try and work out what best to invest in and consider both dividends/ capital gains in the event that you make any sales :).

[@rjScubaSki]

Look up offshore investment bonds and VCTs

[@VirtualDarKness]

Is it just me or S&P at ATH plus "U.S. national debt is rising by $1 trillion about every 100 days" (big jump since mid of last year) looks pretty scary?

[@TobyNewbatt]

you have to put things into perspective - scary headlines like that do not take into account inflation, nor debt to GDP. The nominal amount of debt is not something to focus on in my view. Either way - owning assets is the best way to avoid inflation eating away your money. There will always be big scary numbers like that which sound bad e.g. US credit card debt at record levels...well duh obviously in nominal terms it will almost ALWAYS be highere every year. THe bigger quesiton is about savings rate and what % of income debt is on credit cards. Did you know that the media credit card debt in the US is actually zero :) Fun fact..it's because 55% of people don't have a credit card :).

[@GregStruminski]

Question out of interest. Do you have plan for what you gonna do with all of that investments once you get closer to your retirement? Bonds? Dividents?

[@TobyNewbatt]

Worth a future video idea - so many ways to do it :)

[@tomloftus3236]

Nice video 👌

[@TobyNewbatt]

🙏

[@TheBlackleech7]

Very new to this does the end of the financial year make any difference. Ie does anything happen to your investment at that time or is it just the same as every other month?

[@grassy-ass]

ISA allowances reset, so you may want to make use of this year's allowance before then.

[@TheBlackleech7]

@@grassy-ass didn't know if the interest you have on the year your keep and then it starts over with the new amount. Like I said very much new to this

[@grassy-ass]

@@TheBlackleech7 just continues as a normal month.

[@porschecarreras992cabriole8]

My vanguard ISA rate of return is currently 38.33! I didn’t manage to get my max 20k in this year but I did manage to get my pension contributions with AVCs to almost £60k which is not bad. Do you know anyone that can max both in a tax year?

[@TobyNewbatt]

I’m sure there are plenty out there but I don’t think we’ve had someone come out in the comments and admit to it yet

[@nigelprice3929]

Wonder how the move to two or more ISAs will impact fees. If someone has a vanguard account for the bulk of their funds and say a freetrade account on a much smaller amount, those freetrade ISA fixed monthly fees will seem % wise much more expensive. Trading 212 might seem quite attractive,all be it the prices and time to deal outside the main shares are not the best and a bit frustrating. Penny share dealing times in particular are woeful.

[@j.d.9848]

I think multiple ISAs are more of a thing for Cash ISAs. Easier to chase after better interest, deposit bonus, etc.

[@adrianhazzard6665]

So even though the S&P500 is at an all time high, you should just continue to invest? I'm torn between putting more money in my ISA at 5% interest or putting more in the S&P500

[@TobyNewbatt]

As a long term investor absolutely. Think of it like this. There will be dozens or hundreds of times in your investing career that will set new all time highs if you want to try and guess when they will be go ahead. 👍 One of my last videos showed us just how often new all time highs are hit in any given year it’s just part of the market. You do you but trying to time it is a fools game 😎

[@mpink8907]

I have just opened a stocks and shares JISA with HL for my son (he’s 3). I can’t seem to find Vanguard S&P 500 in the available funds options. Who else can I choose as a fund manager to get s&p 500? Or should I just go with Vanguard FTSE all caps index (acc)?

[@TobyNewbatt]

So remember that when searching for funds on the HL website this only includes mutual funds. it does NOT include ETFs which they put in the stocks section. There are loads of mutual funds which track the world or the S&P 500 but you have to decide first if you want a mutual fund or an ETF I hope that helps

[@francesboyce3221]

can you get the VANGUARD FTSE Global fund available on other platforms ?

[@pickashole]

Vwrl is on trading 212

[@TobyNewbatt]

Yes on platforms like II, HL, AJ Bell etc - they need to be a platform typically the larger companies as that is a mutual fund

[@george6977]

Hargreaves Lansdown charge 0.45% platform fee with no cap on funds so I would not invest in funds on that platform, only ETFs.

[@killeremma]

just on your final point - if you've maxed out your ISA and you don't want to lock your funds away in to a pension you would have to invest outside of an isa?

[@TobyNewbatt]

Yes that’s right. Or thinking outside the box maybe a partners ISA could be a good idea too if they haven’t maxed it out!

[@Chardy97]

Hi Toby what are you thoughts on the new trading 212 card that will be available soon?

[@TobyNewbatt]

I'm on the waitlist and I'll do a review and let you know :)

[@ashley.howard]

Hey Toby! What Finance news site do you like to use?

[@TobyNewbatt]

All of them! Financial Times BBC Yahoo Finance CNBC Bloomberg Marketwatch JP Morgans market guides UBS market updates Other blogs like: Ofdollarsanddata, a wealth of common sense and many more

[@cianog]

The markets (U.S) has to correct and guessing it starts with the new tax year.

[@TobyNewbatt]

good luck trying to time it :)

[@larsenb4803]

Yes, I wonder what those who held back on the S&P 500 at the end of last year waiting for a correction are planning now? Wait for the AI bubble to burst? You may be waiting a while.

[@eddiewilliamsmentalist]

Hi Toby, how do I swap over my vanguard normal account into the ISA? I have had the accounts for 8-9 months and would like to put the money in the accounts into an ISA Thanks Eddie

[@BenGmanUk]

Search their site for "bed and isa".

[@TobyNewbatt]

These instructions are here from the Vanguard website: Find the "If you already have cash in your General Account" and its simple www.vanguardinvestor.co.uk/need-help/answer/whats-a-bed-and-isa-and-how-do-i-do-it Bear in mind you need to sell your investments in your GIA first you cant magically take the investments with you and you wil be liable for any capital gains if you have made a significant profit.

[@eddiewilliamsmentalist]

Thanks Toby👍 great channel 👍

[@eddiewilliamsmentalist]

great, thanks Toby@@TobyNewbatt

[@VinodGordon]

That's Good news ! I have just started my investment journey - after watching your vids! :) is there anyway you can invest in NASDAQ from the UK through Van guard? only did on S&P 500..cheers and watching this video now

[@TobyNewbatt]

There’s an ETF called the EQQQ that’s about the closest you can get but that’s not on Vanguard you’d have to use another platform. In the new tax year maybe it’s worth opening another isa to do that 😀

[@VinodGordon]

@@TobyNewbatt Hi Toby! do you recommended any platform to buy Nasdaq (EQQQ) in the UK? thank you

[@davidjones4130]

Ftse , is very lackluster but also very cheap. I wonder if it will ever catch up?!? 🔮🔮

[@TobyNewbatt]

tough call but you have to ask is it 'cheap' for a reason. The sectors are not ones that can grow quickly dominated by old slow growers although I'm sure there will be some boring gems in there that outpace the global market.

[@davidjones4130]

@@TobyNewbatt Deffo agree with you Toby

[@Bad_Gnasher]

Why can't I invest in VOO?

[@TobyNewbatt]

It's not a UK tax reporting fund - therefore it cannot be purchased as a UK investor. Plenty of other options for you that do exactly the same thing.

[@Bad_Gnasher]

@@TobyNewbatt thanks, could you recommend?

[@TobyNewbatt]

@@Bad_Gnasher done loads of videos on my channel check them out - search for best vanguard index funds.etc.

[@Bad_Gnasher]

@@TobyNewbatt will do, thanks 👍🏼

[@stefanbeattie3523]

Hey Toby, quick one. 2min 25 of the video you show the list of S&P 500 holding companies which also show last 3 months of % gains/losses. Can you tell me/show me/link me where i can see this data for myself. finding it difficult to find a platform that shows me data like what you've shown. Regards Stefan

[@TobyNewbatt]

www.slickcharts.com/sp500/performance :)

[@stefanbeattie3523]

Good man, thank you@@TobyNewbatt

[@disct1597]

Why use multiple platforms? Wouldn't that detract from the compounding effect? I can see having two platforms for a bit of variety, but am I overlooking something?

[@Andygb78]

If a platform you're investing with goes bust, it's not as stressful if you don't have all your investments on that platform. I have investments on two different platforms, but, personally I think you can't go wrong with just investing on the Vanguard platform as they're the second biggest asset management company in the world, so are as safe as it gets when it comes to managing your investments.

[@TobyNewbatt]

Compounding has nothing to do with multiple platforms :) e.g. one account with £100,000 @ 10% a year is £10,000 or 10 accounts with £10,000 each & 10% a year = £1,000 per account x 10 = £10,000 Many reasons for having multiple platforms and investments, in fact I need to make a whole video on this.

[@disct1597]

Thanks Toby…look forward to the video.

[@mpink8907]

@@TobyNewbattI don’t get this 😅

[@mvp_kryptonite]

I opened a Monza GIA recently but wanted it in an ISA

[@TobyNewbatt]

You can open a stocks and shares ISA anytime if you haven’t done one this tax year yet. Otherwise April 6th and you can open one 👍👍

[@mvp_kryptonite]

@@TobyNewbatt I opened it and closed the GIA. I’m interested in the Robinhood as I saw it pop up in the App Store and remembered years ago they wanted to enter the UK. I’ll probably use your Investment Engine link 1st however post Apr 5th

[@maino9752]

With no cash to cover it in your account, how do you pay the fees?

[@TobyNewbatt]

It’s in the video - direct debit 😎

[@sid35gb]

😮you pay your pension account fees by direct debit 😵…….. just pay cash in by debit card so you get pension tax relief on your account fees. You’re leaving free money on the table!

[@TobyNewbatt]

Ahh on even with no new money going in? The fees count as the new money interesting!!

[@alial-isawi8590]

Can you please explain how to get the tax relief?

[@TobyNewbatt]

@@alial-isawi8590 the basic rate is automatically claimed for you - i.e. if you deposit into a Vanguard SIPP then HMRC will top up 20% (gross) for you . If you are a higher rate or additional rate taxpayer you can claim back this money via a self assessment - so if you earn over £50k you HAVE to do this yourself.

[@sid35gb]

@@TobyNewbatt yes it’s new money and this is how traditional providers have been doing it for decades.

[@alial-isawi8590]

How come you max your pension before isa

[@george6977]

More tax advantageous.

[@TobyNewbatt]

I don’t? This pension is not just from this tax year. It’s over many years. The pension limit per tax year is £60k or up to 100% of your income.

[@ajhunt2882]

I have a stocks and shares ISA with Vangaurd and another stocks and shares ISA with Hargreaves Lansdown. So will I be able to pay into both in the new tax year as long as I stay within the ISA limit?

[@walker675]

Yes. You can spread your limit among many ISAs.

[@TobyNewbatt]

Yes in the new tax year though - not right now. I'll be doing lots of videos on these topics to make sure everyone is up to date soon. I think it's a really nice step and a positive thing for investors.

[@savizipr]

Do you invest in crypto?

[@GavinLawrence747]

Was a bit disappointed with the Robinhood UK offering - fx rate is decent, but no ISA, no options trading either. 5% interest on funds is insured by the FDIC not the FSCS, not sure how that works for UK investors in the event of any issues. Coupled with the trust issues, its not a great start compared to the other offerings in the UK.

[@TobyNewbatt]

It's good to have some more competition but yes no ISA is a big miss for the beginning. Options trading isn't legal in the UK but CFD's are so I wonder if they go down that route instead. Payment for order flow is also illegal so will be interesting to see where they make money. Also on the FDIC insurance - this is a good thing as the limits are bigger than the UK FSCS. And yes foreigners like us get the whole protections too, see note below from the FDIC Gov site. "Any person or entity can have FDIC insurance coverage in an insured bank. A person does not have to be a U.S. citizen or resident to have his or her deposits insured by the FDIC. FDIC insurance is backed by the full faith and credit of the United States government"

[@lolcat5303]

@@TobyNewbatt They are supposedly planning to introduce an ISA, but before they do, I am not touching it.

[@GavinLawrence747]

@@TobyNewbattPFOF makes me want to vomit all over the floor. CFDs are deemed so risky, that they are banned in the USA. I wasn't aware Options were illegal in the UK? That's reassuring about the FDIC insurance coverage for UK investors. 100% looking forward to more competition... maybe Freetrade will drop their FX rate. Why am I still using them I don't know 😂

[@francesboyce3221]

Re my last comment what is the ticker

[@TobyNewbatt]

it's in the description of my vides as so many people ask me :)

[@francesboyce3221]

please

[@dhruvbhatt1136]

Hey - where did you buy the ticker/clock in the background? Great video!

[@TobyNewbatt]

See the description link I put it here because so many people ask me :)

[@MARTINA-gc3tq]

Sorry? FTSE 100 flat? It was 2.5% for three months… that is 10% for the year prediction.

[@TobyNewbatt]

Thats not how investing works :) you can't take the last 3 months and then times that by 4 XD.

[@MARTINA-gc3tq]

@@TobyNewbatt my point is that the FTSE 100 was not flat.

[@UndisturbedMonk]

@@MARTINA-gc3tq Adjusted for inflation it's been flat for many years.

[@Lovemy911]

Jeremy hunts words of the Ftse 100" ( this can become the euro Nasdaq ! ) shows how clueless he is regarding the uk stock market 😂

[@TobyNewbatt]

lol...maybe in another lifetime eh :P

[@UndisturbedMonk]

(insert clown emoji)

[@killeremma]

my isa in vanguard is at over 32% at the moment, absolutely flying. For how long who knows haaaa

[@Brayco864]

UK FTSE 100 is probably the only main market I wouldn’t invest with for the foreseeable future

[@TobyNewbatt]

It definitely doesn't inspire any kind of excitement...

[@gilcarag274]

It still makes sense to invest outside an ISA Stocks & Shares if you have maxed out your allowance.

[@SpeakHearSeeNoEvil]

In that case, use a SIPP

[@lupin8750]

Can you do a video on fidelity stocks and shares isa?

[@TobyNewbatt]

maybe one for the future thank you!

[@ba5ilfawlty]

Great content as always! 2 things, will you being a video on best stocks and shares ISAs for 24/25? I'm tempted to go with T212, and buy some individual stocks alongside VUAG and VRWP. Also, just interested to know your thoughts on what the S&p500 may look like remainder of the year, as 40% or so of companies have retracted in growth or barely grown at all. Good luck with the marathon by the way :)

[@AR-fy2qo]

The weirdest thing is the companies we all want to own, will eventually shaft us.

[@c.pizarro5273]

Thanks for the content! Very helpful. What would be the difference between FTSE Global All Cap Index Fund (VAFTGAG) and LifeStrategy 100% Equity Fund (VGL100A)? Thank you!

[@adrianl5899]

Lifestrategy has a high weighting to the UK (4-5 times the weight the UK actually has globally), which many do not like. The all cap does not do this.

[@kevinu.k.7042]

Great video again, Toby - Thanks You've got me wondering why you chose V3AB over VWRL.

[@novinfard]

One important question: Lets say I have 3 stocks and shares ISAs opened in 3 different years. Until they are active, can I tarde in all 3 accounts without paying tax (considering each year I only add fund in one and only one of them obviously)?

[@TobyNewbatt]

You can trade as much as you like inside old stocks and shares isas 👍. You just cannot add NEW money to them. You can only add money to your current one. In the new tax year this will be changing so you can add money to as many as you like 👍

[@Banthah]

Seems every month the S&P is reaching all time highs. Whilst the FTSE just lags behind as usual. I was quite excited by the extra £5k in the British ISA when it was first mentioned, but actually, not paying tax on minimal returns vs. paying tax on much greater returns through a non-UK GIA doesn’t seem that good a deal…

[@TobyNewbatt]

Indeed when you put it like that it doesn't make sense. Honestly I can see the British ISA not even happening I don't think the new government bring this forward.

[@pip1723]

Sp 500 for me ditched the lifestyle strategy and haven't looked back.

[@shimsteriom4191]

I'd love to invest in an ISA but I'm not allowed. 😥 For those of you that can use an ISA, please make the most of them. 👍

[@TobyNewbatt]

If 20,000 people donated £1 in their ISAs to you...we can make it happen :P

[@dtlittle8]

Hey Toby - would you look to do a video on Crypto investing in the UK ? Which exchanges to use, portfolio update of your own, etc ? Thanks for the vids !

[@TobyNewbatt]

Yes good suggestion maybe a future video - I enjoy the topic although most of the audience dislike it and it doesnt get the views!

[@george6977]

Can't put crypto in an ISA.

[@TobyNewbatt]

@@george6977 No :) Unless we get Crypto UCITS ETFs. But you could invest in companies that own Crypto or the crypto minors as other commenters have noted.

[@dtlittle8]

@@TobyNewbatt could be a good one before the BTC halving 👀🙂

[@prich0382]

Crypto is a game of hot potato, the only way to not lose is to not play

[@jackreeves4884]

Greta video toby, im jusy wondering im currently invested in VWRL on tradding 212 , but im liking the look of the global all cap ( on vanuard) would i be able to swtich and have all my investments on just the one platform (i.e Vanguard) - thankyou

[@TobyNewbatt]

You can transfer whatever you want anytime - however, here's another idea. whats the reason for the change? FYI there is another version of VWRL that automatically reinvests it's called VWRP, available on T212. Remember T212 charges no fees and VG charge 0.15% platform fees :) In the long run VWRL/VWRP are going to perform almost identically to the FTSE Global All Cap -

[@meibing4912]

UK shares must be the worst over the last decade. Disaster if you were biased towards the UK. Avoid like the plague myself. YMMV.

[@SirHargreeves]

UK stocks have a good PE ratio though. The new Brit ISA will boost it a bit.

[@meibing4912]

I’m with Warren Buffet on this one; P/E is irrelevant. Hope you were not invested in UK stocks the last decade were their P/E was relatively low for the full period.

[@cryptomundi]

I love this, keep them coming!

[@TobyNewbatt]

Thank you :)

[@simonsinvestingjourney]

Awesome video Toby! Where do you think the S&P will be by 2030? 🤑

[@larsenb4803]

If he knew the answer to that he'd be, well, God.

[@simonsinvestingjourney]

@@larsenb4803 agreed, this was a rhetorical questions though btw 🤣

[@danielsharp6272]

Solid advice as always!

[@jacc88888]

Great video. Is it worth adding more money to one’s sipp/ISA (on top of a normal monthly payment) if there is a big dip into the red?

[@TobyNewbatt]

Personally I think this could be a good strategy as long as you continue being a consistent investor. If you have the means, and you're a long term investor, then its a no brainer :)

[@jacc88888]

@@TobyNewbatt Thanks for the quick reply. Useful to know!

[@UndisturbedMonk]

Yep, that's what I do. Stick to the normal monthly DCA amount and schedule, but if there's a large dip, then i'll add extra to capitalize on the dip. Technically it's not timing the market because you're still DCA'ing but just adding a bit extra when you feel it's a good price.

[@Andygb78]

@@jacc88888 They do say that time in the market beats timing the market, especially with index funds. There's research that shows that putting in a lump sum beats monthly payments, as you've had more money in the market for a longer period of time. You often lose out holding money back that you could've invested earlier.

[@waynemarlow8157]

I don't think you can invest in an ETF within an ISA?

[@TobyNewbatt]

Of course you can :) Where did you ever hear that you can't? UCITS ETFs have been available for years and are fully ISA compliant

[@timlodge8267]

Every time you see an advert such as the Vanguard one their is always a black person in the advert, I would like to no the demographics of black people who are investors.

[@rjScubaSki]

This is a very weird thing to worry about

[@larsenb4803]

Maybe they're reaching out with the message that investing is for everyone.

[@mpink8907]

Why does this concern you? Is there a problem or would you just prefer to star in the advert yourself over the people you’ve seen?