This Is The Best Time To Start Investing

[@turner1622]

Hey Toby, always love the content, your videos are so on it. My son who is 19 next month just opened his first S/S ISA. All down to your channel 👍

[@TobyNewbatt]

Love to hear it - what a great age to start!!! 👌👌👌

[@maccadees22]

My mind is always torn between wanting high prices for my return, but at the same time wanting low prices when I buy.

[@mikerodent3164]

The answer to that is to buy when prices are low and just about to go up, and sell when prices are high and just about to go down. You see? You see? Watching KZbin videos can teach you a LOT.

[@maccadees22]

@mikerodent3164 Yeah. It's simple when you can predict the future! 😉

[@11LW]

Buy monthly but have a side pot to dump in the market when the time happens

[@Marco65730]

S&S ISA is the way forward. The younger the better. As warren buffet said, it’s not timing the market, it’s time in the market. Simply just choose some broad funds and diverse portfolio. Make regular contributions and watch it grow. Banks and building societies is the biggest scam going and with inflation you are guaranteed to lose value.

[@delroyc77]

Always look forward to your videos, I’ve been trying to get my friends to invest and this is the perfect video to explain why. Keep up the good work 👏🏾👊🏾

[@Sabadiver]

Great video Toby. You're genuine. One of the good guys 👍🏻

[@livingart2576]

Thanks again mate. 😊

[@videostoviews2262]

On the loo crew here 🚽😂

[@TobyNewbatt]

Wash your hands please!

[@videostoviews2262]

😂🫡​@@TobyNewbatt

[@robertgevans-fj7cv]

😆 samesies! 🚽

[@mynameisfin]

Dog walkers represent - dog just did a shit though so he's in your crew

[@TobyNewbatt]

@ 🤣🤣🤣🤣

[@guitarsandcheesecake1632]

I've just told a mate of mine about stocks and shares isa. Mines made £5,000 in just under 2 years, all tax free. He was surprised 😮

[@minimad8793]

Past performance is no guide for future returns but well done on the 5k :)

[@guitarsandcheesecake1632]

@minimad8793 of course not. But its a fair indicator of what can been done in a favourable market

[@Chanesmyname]

You haven’t made any profit unless you cash it in a realise it?

[@guitarsandcheesecake1632]

@@Chanesmyname yep

[@annawong1305]

Very good point about experiencing a crash early rather than later on in your journey 😊

[@NS-pt9rr]

Great advice Toby, exactly right I for sure as always will be buying into my T212 everyday for the next month to get an average, the Sale is on people.. for people not so sure about shares, just invest into an etf, buy the whole market.., Thank me later 😊

[@Chanesmyname]

It’s a marathon, not a sprint. :)

[@MemeGang420]

What if I like sprinting?

[@jamiebennett1989]

Very nice well done as always mate 👍🏽

[@TobyNewbatt]

Thank you mate :)

[@Richard-n5f7w]

The Loo Trader! love it

[@TobyNewbatt]

Flush with cash

[@shanksy9219]

Toby with the tax year end just around the corner it'd be great if you could do a video about bed and breakfasting shares held outside of an ISA to avoid CGT. I've watched a few videos and none of them seem very clear and are slightly outdated and no doubt you'd do a better job!

[@TobyNewbatt]

Yes worth a mention! Bed and ISA is only what we can do now, the breakfast stuff ended a long time ago to my understanding

[@shanksy9219]

@@TobyNewbatt Brilliant, will keep an eye out for a video explaining it!

[@DemonHand-BuddhaHeart]

A theme I hear ALL the time from people who got into investing is "I wish I knew about all this when I was younger" because they would be so much richer. This is so true, it should be taught at school before we set off into the adult world of working and earning, instead of something like Latin, lol. Isn't that supposed to be one of the main purposes of school, to prepare you for later life?

[@silversurfer7223]

Word 👊🏾

[@meinages]

Maybe but parents should teach how to take care of finance I believe. My parents did for me and I will for my daughter. She's already invested 3month old. Time is our greatest asset after all.

[@silversurfer7223]

@ That’s assuming that parents already know about finance, and if they don’t, then what do you propose?

[@Oldyellowbrick]

Think yourself lucky. Think about it, IF everybody invested instead of ‘consuming’ then that wouldn’t be good for the overall stock market. On the other side of the coin can you imagine teaching kids about investing 😂 and even if they did listen it’s likely going to be a very long time until they can apply it in any meaningful way, I was broke until I was in my mid 20s and even then I was focusing on my career. I think it’s up to the parents to educate their kids it would be a complete waste of time in school.

[@meinages]

@@silversurfer7223 parents take responsibility and read a book. Learn about finance. To benefit themselves and family. 👌

[@gagsy100]

I started 2 months ago I’m nearly 60 Im ploughing as much as I can now into the S&P 500 .. it s staggering to me how iv told my work colleagues.. about investing the young can’t be bothered.. madness.. and the older ones some haven’t even got online banking.. yes I wish I started sooner keep on keeping on. 👍

[@top5gamers69]

I'd recommend reading some books before investing everything into the S&P 500. Believe it or not even the legendary S&P 500 is a risky buy right now. All the notorious investors are selling right now.

[@gagsy100]

@ Yes there has been talk of a drop … but I appreciate the advice iv seen so many videos on the S&P 500 including warren buffet who is the king of it .. I’m not silly enough to put all my eggs in I’m hoping for a return to top up my pension..

[@glennwhitlock1272]

Finance is boring for the young 'uns (and for others, too) A lot of Brits don't even like talking about money

[@top5gamers69]

@gagsy100 Warren Buffet is currently selling! Be patient and wait for opportunities to present themself to you. In "the intelligent investor" the book written by Buffets mentor they advise to never invest if the P/E is above 20. The S&P currently has a P/E of 27...

[@paulettemcnab9683]

Funny enough it was my 23 year old who is encouraging me to do it. He started a few months ago. Some will get it and some won’t. His friends don’t get it, as yet. I too wish I knew a long time ago😊

[@Monst3ra-92]

Very useful and practical content as always! Thank you 😊 You've prompted me to go and check out the fees im currently working with👍🏾☺️... ...once i get off the loo 😂😂😅

[@TobyNewbatt]

hahahaha

[@CidHighwindRocks]

I'm thinking of holding off until the new financial year so I can put it into my ISA, maxed out for 2024 and would rather avoid tax.

[@adm58]

Great for young and gradual, but what about putting 100k in when already retired so no long term, and need to withdraw to live off? It's a much trickier game. Buying after a crash would be a lot safer as the downside is built in from the start. 4 or 5% from safe money market accounts whilst waiting for buying opportunities has advantages.

[@Desmond.TuTu.]

But you don’t know when a crash will happen, could be next week or in 3 years and you’d miss all that greater growth ….. 🤷🏻‍♂️

[@adm58]

@Desmond.TuTu. yes, I know. My point was just that anyone not planning for the long term and wanting access to funds at any time has to take into account the potential for loss in a crash. The stock market is much riskier for retirees, making lower returning, but steadier, accounts more attractive.

[@ccjh0806]

SURE KEEP TELLING YOURSELF THAT SEE YOU WHEN YOU'RE BACK HERE REGRETTING NOT HAVING DONE IT SOONER. GOODBYE LOL

[@capcomgenius3974]

My favourite place to invest sat on the Loo

[@TobyNewbatt]

some people say it's s**t i reckon its a nice calming place

[@capcomgenius3974]

@ it is when you have 2.5 children 🤣🤣🤣💪💪

[@xz9904]

Great video. Could you talk about Bed and ISA in your future videos?

[@TobyNewbatt]

Sure, worth a mention at some point :)

[@anthonychester5512]

Early enough to a video to see all the finance bots and scammers in the comments...anyways great video as always Toby! been watching your videos since October last year which finally got me started on my investment journey!

[@supaluxk1773]

How about if i want to invest for 2-3 years and see how the market is ? Did u recommend any stock good for invest in 2-4year time . I'm beginer so.😅😊

[@TobyNewbatt]

@@supaluxk1773 no such thing as a good investment for 2-3 years anything can happen. If you need money for the short term just use high interest savings. Investing is for the long run but you can risk it if you like

[@supaluxk1773]

@TobyNewbatt & thanks a lot Toby

[@JacobFest]

I got 60k now and I got no where to dump bro, everything is jacked up in the stock market.

[@TobyNewbatt]

Timing the market and waiting out of the market as a long term investor is a dangerous fools game 😬.

[@valerienewbatt9678]

Fantastic video as always Toby

[@conorhaylock58]

I’m new to investing, I was happy investing into ETFs until I heard about Mutual funds. I’m now confused because they have the potential to give you I higher return on your investment but I know they cost more as they’re actively managed. Dave Ramsey swears by them and I’ve been doing his baby steps which has helped me a lot as I wasn’t great with saving and just spending to make myself happy. I’m a UK investor and mutual funds just seem more of a headache but will it be worth it in the long? Also they’re not as easy to find compared to ETFs. Just don’t want to be one of them people that gets too overwhelmed and ends up just giving up.

[@Capture262]

Not many fund managers beat the market, sure there’s a few who do but generally I think the sound advice is stick with a tracker fund, all world ETF, good luck investing

[@wispa7214]

Mutual funds are sold only once a day, and are sold in units and actively managed, if they do well then the fund managers/company make money also. They are as invested into the mutual fund, as you are. A mutual fund will pool all of the savers money to buy the market (efts dont). Most workplace pensions will be invested into mutual funds. Mutual funds are also well diversified. You can google Mutual funds and there are many available. EFT funds are sold like normal stocks/shares. Instead of buying one stock, you buy the eft fund of several companies, which gives you better diversity than only one stock. You would be wise to get both, and split your money between them. Its upto you if you want to go 60/40% or 75/25% etc.

[@melissasalvani9883]

Hi Toby, new fan here and because of you I even opened up my first stocks and shares ISA. I have a question as I dont want to avail workplace pension as I am not certain to even be alive until I am 67yrs old as thats what the age at the moment for you to get your pension. Anyways would you suggest that I invest it on Stocks and Shares, I am investing on the index funds you suggested too or would you suggest I open a personal pension too? Thanks Toby♥️ God bless and hope you create more videos for beginners like me. 😊

[@TobyNewbatt]

Thanks for the kind words. Firstly a workplace pension is available much sooner than 67. Don't get confused with the state pension age. Private pensions are available aged 55 now (rising to 57 in 2028). The ISA is much more flexible, but private pensions have great tax benefits. I love both of them, but the ISA gives you more flexibility if you do ever want to take money out sooner :)

[@armuk]

you should most definitely avail of it. UK's workplace pension, and its employer contribution match, are among the more generous in western countries. stronger value proposition than even S&S ISA - because contributions are made pre-tax. UK female life expectancy is 83 years. pension withdrawal age is 55-57 years. unless you have a known life-limiting condition, strong likelihood you will take it

[@buttonmonkey6845]

Def have some workplace pension, get the employer contribution etc. Remember the “eggs and baskets” theory of investing.Make sure you have control over how it’s invested so you can follow your own investment plan. 😀👋

[@melissasalvani9883]

@@TobyNewbatt hi Toby thank you so much for the reply. Now its clearer for me😊 will wait for your new upload 😊

[@melissasalvani9883]

@@armuk thanks so much for the reply and will definitely think about it hard. Thanks much😊

[@sgsmith81]

I opened JISA accounts for my two children with HL. Can you tell me your thoughts on this trading platform? Would I have been better using trading 212 instead or are they all much the same ?

[@TobyNewbatt]

Trading 212 doesn’t have a JISA

[@adrianl5899]

HL are very established and don't charge for the JISA. Can't really do better than that.

[@BostonPhillips]

Good recomends

[@TobyNewbatt]

Glad you like them!

[@Norfolkpaul]

Great video 🔥

[@garywilliams9810]

Toby great videos but what are your thoughts if I’m just about to retire. THEN do you think it would be wise to get out of the Stock Markey.

[@TobyNewbatt]

You'll still need to be invested if you're retired :) - unless you think you're not going to live very long. If you're retired for 30+ years that's a lot of investing that needs to happen (but I'd also have about 3 years worth of cash in high interest/ money market)

[@garywilliams9810]

@@TobyNewbattthanks I’ve a cash buffer as well but wife is bugging me to sell up put it all in a high interest account then reinvest if/whec SM crashes

[@TobyNewbatt]

@@garywilliams9810 If anyone knew when the stock market was going to crash we'd be billionaires :) Just got to balance short term living life money with future investments - totally up to you how you want to split that :) - don't forget to enjoy today as well.

[@Definetly_not_a_BOT]

Can you do a video comparing the outcome in 30yrs time for those planning to expact who will have to put a lump sum in a S&S ISA this year? Expats are not able to invest monthly following the DCA (dollar cost averaging) strategy that you suggest. Hence, will it still be the best time for investing for them? (Even if they plan to pick the fruits in 30 yrs time) Anyway, Great video as Always Toby!

[@gary19704]

seeing a lot of videos on YT about how the dollar is going tits up and the stock markets are going to crash dont know what to do .

[@TobyNewbatt]

You'll find videos like this every day forever until the end of time - they feed on your fear it's just classic doomer content

[@wl660]

Sell sell sell…..no, wait, I mean buy buy buy. See - pay no attention to idiots on t’internet. 😀 Toby would say, Time in the Market - not timing the Market. Just keep buying it until you need it.

[@lifeisagame2023]

I got a 6.5% account this year tony, do you think I should max that out B4 I invest more? It's a couple of hundred a month max. I will probably have to take out of my investments this year anyway.

[@adrianl5899]

General guidance would say that whatever cash is needed this year (or within 5!) wouldn't be in the markets.

[@lifeisagame2023]

@adrianl5899 yes but if I'd have taken that advice I'd have lost out on 1.5k and 48.5% in the last 5 years and that's with taking money out in that duration.

[@adrianl5899]

@@lifeisagame2023 A £150k gain or loss would have absolutely no bearing on the validity of the guidance.

[@chobb2061]

Automated monthly, with spare cash on the sidelines for the inevitable bargain bucket days. Another straight to the point vid, top job.

[@the-freelance-dad]

Can I transfer money from my S&S ISA into my LISA as I have maxxed out my allowance this year?

[@TobyNewbatt]

You can transfer between any ISA type you like - but your allowances only reset in the new tax year.

[@dancohen-tv]

@@TobyNewbatt Great, thank you! One more Q. So if I transfer £4,000 from my S&S ISA into my LISA now, I will receive £1,000 back from the government before April? Thanks

[@adrianl5899]

​@@dancohen-tvEach provider should outline when they put in the claim for the bonus but, based on my memory of LISA providers on this matter, that would be a fair assumption.

[@leenkwenzi7094]

Fam- how do you compare SiPp and a stagnant pension pot? I have a small pension that is not growing. I’m considering transferring it into a SIPP.

[@adrianl5899]

Pensions are tax wrappers, so whether it's a workplace pension, stakeholder, SIPP... it's what you invest in within the pension wrapper that grows (or doesnt). As such, if you were to match whatever you currently invest in in the pension and do the same in a SIPP, the result should basically be the same. So the starting point is to know what it is that you invest in as this will explain seeing no/little growth... which will have actually been hard to accomplish unless 1) investing heavily defensively (gilts/bonds), 2) stockpickng, 3) trying to time the market, 4) considering too short a time span to assess performance (or combinations of those things).

[@leenkwenzi7094]

I’m seeing my investment on Trading 212 (index fund) performing way way better compared to my old pension ((£15k) barely growing. YTD it’s grown £109.😢

[@adrianl5899]

@@leenkwenzi7094 How is the old pension invested so you can compare performance properly?

[@TobyNewbatt]

You need to see what your pension is invested in - if it's not growing it's likely invested into some very low growth investments or it might even just be cash.

[@leenkwenzi7094]

@@TobyNewbattthank you for your comment. I have a SIPP with InvestEngine. Unfortunately I can’t see any option of pension trf except that from Vanguard/. How can I move my pension? I can withdraw the small pension as I’m now 60 yrs but due to my income being in the 40% tax bracket I’m worried I will lose out. What would be the best tax efficient way of moving my pension? Other platforms are expensive.

[@adaugonwosu]

Thank you Toby for bringing us premium information. I started my investment in index funds this month and your videos helped me greatly. Thank you

[@TobyNewbatt]

Welcome!

[@nojmulhossan3239]

What's the best stocks to buy for long term ?

[@knowledgeTherapy]

Toby. - pls make video on GIA investing.

[@markmark1999-h4f]

KODK In the fairy tale of the Emperor's New Clothes, which character do you like?🍔🍟

[@MariusNinjai]

wanna dump like 5k in an ISA but i really don't like the stock prices cash ISA for 5% seems fine i know time in market yada yada vs timing the market but 5% gurateed does not seem bad at the moment

[@TobyNewbatt]

Do whatever you want but cash savings loses in the long run :)

[@charley7347]

Although £400,000 might sound like a lot today, inflation significantly reduces buying power over 30 year period. Following past trends of inflation and taking 'buying power' into account; 400k in 30 years will be the equivalent of ~£165k today. How about a short video on this concept? 165k is below the national average needed to retire today, so it won't be much different in 30 years if not worse...

[@TobyNewbatt]

@@charley7347 I’ve done hundreds of videos talking about inflation and returns 👍. The simple answer is you contribute more every year. I use simple numbers for examples.

[@365DaysofSilver]

Another great video

[@stevemarra4459]

First pokemon cards then gold, my journey ends with stocks and shares so simple. Now trying to decide if i should start a Lisa at 39 lol decisions

[@GlennRayat]

I've just hit the like button with clean fingers. 😅

[@TobyNewbatt]

Good man 🤣

[@lunes-1]

Well done 👍🏾✅

[@bionic909]

You neglect to mention the gov tops up an additional 12k every 48k

[@TobyNewbatt]

I've made over 300 videos on my channel where I talk about things like pension contributions quite a lot :)

[@bionic909]

@ just saying.

[@raymondwebb4179]

The best time to set a fruit tree was ten years ago, next best time is today,

[@TobyNewbatt]

👌

[@md2320]

I've got a st James place stocks and shares should I be moving it??? Polaris 3 fund.

[@ThomasBrown-f9w]

I find diversification key to mitigating risk in my portfolio

[@richardbannister-jz8so]

Not the long term jam tomorrow story. Oh please.

[@TobyNewbatt]

Do you prefer the magical short term jam?

[@MixBags]

Where did you please get your display screen at the back? Display time and stocks. I want one pls

[@TobyNewbatt]

check my description :)

[@MixBags]

@TobyNewbatt thank you👍. Great content.. really simple, helpful and straight

[@salto1994]

I'm happy that in Luxembourg, as long as i keep a trade open for 6 months or longer, i don't need to pay capital gains tax without a limit of how much i put into investing per year

[@salahelhaddad4872]

I don't understand why NOW like now January 2025 is the best time to start? What if I had started last year or I start a few months later This video could have as well been made next year or last year or any time.

[@stozy1959]

That's exactly the point. NOW is always the right time because trying to beat the markets is futile.

[@TobyNewbatt]

Exactly the point.... Now is always the right time to start, you can't go backwards :)

[@Liensy]

If a downturn is impending or happens does it make sense to then change the mix of funds, eg I've currently got all my S&S ISA in the Vanguard 100% Life Strategy Equity fund. Would it make sense to switch some to 80% or 60% etc? And then switch back once the market is back on track?

[@FinnCraven-r1d]

Shall I take my money out of S&P 500 now?? If there’s a crash coming

[@TobyNewbatt]

when's the crash coming? Let me know what the weathers like in the future

[@FinnCraven-r1d]

@ I’ve only just put in recently and just wondering if it smarter to put in cash isa and then re put it in S&P

[@wispa7214]

@@FinnCraven-r1d cant see much of a crash coming, maybe it will flatline/go up slower, for a couple of years as interest rates / bond prices will affect the amount people can invest. All the gains from the last two years are normal, when you realise that it is the money the governments over-printed during the last 10 years, being invested into the stock market. Its only the day traders and short/hedge traders, that are trying to feed the fear.

[@user-mw2oe6xc7u]

Great video toby , you can’t put it any simpler to anybody thinking of starting there investment journey, I’m for one who wishes I’d have started years ago

[@geoffharris9396]

Time in the market is always the key point, but what if you haven't got the time left? If like me your well into retirement (I'm 70,) this whole concept falls down especially if we have a black Monday in the markets which is becoming more likely with this government. Of course it depends on personal circumstances you will say, but at a senior citizens age, little apples (cash ISA) may well be the safer choice.. It would be nice if more videos are designed around investments for us oldies rather than geared for younger people with decades ahead of them! Well, just saying we are not all young..

[@OGillo2001]

don't blame a government that has had 6 months in Geoff

[@glennwhitlock1272]

​@@OGillo2001beat me to it.

[@glennwhitlock1272]

I don't think videos about starting your investing journey are really for folks in their 70's. Though I started at 59 (2 years ago), have been through one crash and have made 10k

[@wl660]

Long term investing is considered > 5-10 years. If you need the money - you would be unwise to invest it. If you don’t but want to leave it for others, then invest it still. TBH, I think you should be concentrating on spending it - and leave with zero!

[@wispa7214]

@@OGillo2001 you need to understand how incompetent the current government is, they are trashing the economy

[@WaqarMannan-k3w]

So what you're saying is dont invest a lump sum

[@_tgreg1]

Or keep your money in cash and wait a few months (still save) for the inevitable stock market dive this year! And buy twice as much stock as you would right now at an ATH. Mate I get what you’re saying but behave. If you’re not at all investing RIGHT NOW then why would you advise someone to rush and buy at an ATH? That’s mental…

[@TobyNewbatt]

That's literally timing the market :) - the worst possible thing you can do in the long run. Many people did the same thing in 2024 and missed out on one of the stock markets best ever years. Good luck. There's actually good data showing that investing during all time highs still generated far greater returns than any market timing :) Go back and watch some more of my videos :)

[@_tgreg1]

@ I think if you haven’t put your money in anything then it might be worth waiting this one out. It just feels like we’re on a cliff edge and what people feel is what makes things happen. You can’t deny we’re overdue a correction?

[@TobyNewbatt]

@ I’m investing for decades, I don’t know the future, neither does anyone else. But good luck trying to time it. You know people have said the market was due a crash and worse every day for the last few decades. It gets the clicks and attention as our brains are wired to protect us, buts is useless for long term investing 😎. Good luck 🤞

[@_tgreg1]

@ I’ll give it six months - no correction I’ll put my money back in

[@Your-Money-Mindset]

Great video Toby :) Enjoy the rest of the weekend!

[@alanevans9604]

The FTSE seems best to avoid and opt for NYSE.

[@kevinbourne2564]

You are right, I wish I had started sooner.

[@raya3208]

Great channel but, repetitively, too many videos are aimed at total beginners of late.

[@TobyNewbatt]

Yes that's on purpose :) - I specifically said in December that I am focussing on beginners for January. It's the largest audience, most people in the UK don't invest anything

[@bluewatermelon9499]

​@@TobyNewbattjudging by almost 20000 viewers in 12 hours, I say the target of beginners is spot on. Toby, love your channel, if you are looking for new ideas for new videos, could you do a case study video, for people in my group ( 40's, middle class, want to retire like yesterday but never realised retirement needs to be planned financially). So could you do a video to help people like me on what to start, how to start, what to have in a portfolio ( like % for ISA, SIPP etc)... How much to invest per month to get a maximum return 10 years or even 20 years)... MASSIVE THANK YOU!!

[@lawrencer25]

​Damian talk money, as just a fabulous video in the last 24 . Brilliant ❤

[@Paul-tm3xt]

Great video Toby

[@TobyNewbatt]

Thanks 👍

[@edc1569]

Congrats on £1.2m pal!

[@TobyNewbatt]

Not quite just yet 🤣

[@wilsonbennett659]

BTFD...love it

[@DarkoFitCoach]

excellent video

[@OGillo2001]

thanks Dave

[@DarkoFitCoach]

@OGillo2001 whos dave ya puts

[@roconnor01]

There a large numbers of people who are retired with money in the bank,it seems that your website is not for them.

[@TipsyJohnsyone]

Im hesitant to invest at the moment. I mainly invest in USA and the £ is weak. What's your thoughts?

[@jamesc983]

He literally just told you in this video. No better time than now as long as you think long term and are not looking for short term gains 👍🏻

[@TipsyJohnsyone]

Yea in the video a new investor dca over a long time. I could dca and spread the risk but in thinking bigger amounts much bigger

[@steve6375]

It depends. Personally, I am holding off putting in more money for a month or so. If you are going to invest 50k in one go then be cautious and maybe just dollar cost average using say 10% of your total cash each month? With DCA, you can always buy less in a month when the share price is peaking and double when the share price has dipped.

[@a-qy4cq]

@@TipsyJohnsyone don't expect any real answer from him.

[@leenkwenzi7094]

@@steve6375what is DCA? I’m new to investing

[@GaneshJU]

Good honest advice

[@DemonHand-BuddhaHeart]

I'm really interested in seeing what T212's SIPP is gonna be like, I have stocks ISA with them at moment but would be great to also have a SIPP with them.

[@TobyNewbatt]

I think they are working on it at the moment. Going to be pretty hard to compete with them if they also get a solid SIPP with no fee

[@anthonybrown4874]

I think if you day trade you might lose your shirt but if you invest £ cost average in you will have something the only thing that matters is whats the value when you realise your asset or readjust the growth orientated ETFs to take income and drawdown. Toby is quite unlucky that scammers start comment threads promoting investment "gurus" and bitcoin etc but anyone with a modicum of common sense just reports tgem as spam.

[@Ted-f4o077]

Yes agreed that Day Trading can be dangerous for most, only 1 in 4 seem to keep profitable after just one year. I did experience losing almost 50% of my profits from the first 3 weeks of day trading in just 15 minutes after some poor economic data was released and I just froze. However 2 years later during the 2008 financial crisis I did really well (my risk management was much better after the 2 years experience) Shorting the indices was really profitable then and always closed or adjusted my stops and limits before end of day. After having grown my whole long term portfolio to a good amount I see no harm in risking less than 10% of that on shorter term trading as long as it is money that you are not going to cry over if trades go the wrong way continuously. I did shift from day trading to swing trading as it is not so volatile and better for my blood pressure... For a lot of people though as you mention the PCA/DCA is easier on the nerves and wallet

[@evamandri]

Hi, I hope you can answer this question. Why do you need to provide NIN to 212 when opening stocks ISA? I tought it is tax free. Is it going to affect anything like income, benefits or savings? Do you have any video on this subject? Thank you.

[@glennwhitlock1272]

To prove you're registered as living in the UK ,I suppose. Don't want Elon Musk taking advantage of our generous tax free savings, eh?

[@TobyNewbatt]

As below it’s for proof of UK status and also it’s tied to your ISA allowances. If you end up trying to put in 100k across multiple accounts then there is that record

[@evamandri]

@@TobyNewbatt thank you for your prompt reply Toby. Although I don't think I will ever get to 100k 😂🤣 in case I would, does that mean I would be taxed?

[@glennwhitlock1272]

@@evamandri taxed and a possible fine, I think

[@evamandri]

@@glennwhitlock1272 fined for what? For being smart to invest into market with continuous growth & profit?

[@EmreEbru-o2k]

XAI320K will make all other coins obsolete. XAI320K is king!

[@chrys9898]

Are you going to do any videos for individual stocks ?

[@TobyNewbatt]

Never say never, but probably not, I think there's way too many important basic topics to cover first :)

[@jpholvids8626]

Another great informative video Toby. I’m on the ladder using Trading 212 and Invest Engine. Going to invest my lump sum isa in April.

[@steve6375]

But what Toby said only applies to dollar cost averaging investing. Lump sum investing is a different matter. Investing a lump sum just before a market crash will hurt a LOT!

[@PaulB-q3d]

@@steve6375back testing has shown it’s still better to lump it in in almost all cases. You could be very unlucky but it’s unlikely. At worst drip it in over 12 months if it’s a lot.

[@kw8757]

@@steve6375 It'll only hurt if you sell it while it's at a loss, otherwise it is actually advantageous to lump sum invest. Over the long term the lump sum will almost certainly increase in value, just like the DCA will. What you are talking about is just the psychological effect of seeing your lump sum fall in value, ignore and stay the course.

[@jamieniche]

Would this still apply when starting with a lump sum. Im looking at index fund long term but buying at an all time high seems a bit wrong. What are your thoughts?

[@Capture262]

I think over time the evidence is in favour of the lump sum will win out, but hard to stomach if there’s a crash or correction in the market, good luck, your in a good position to have a lump sum

[@jamieniche]

@Capture262 thanks for the reply. Obviously no way of timing the market properly just trying to make the most informed decision I can.

[@glennwhitlock1272]

Happened to me in 2022. I invested just about everything (85k I think). Market threw a wobbly and I was down 8k. Two years later and I'm up 20k.

[@Capture262]

Agreed it’s a tough one to call, I think the saying goes it’s time in the market not timing the market, you could always put half in and DCA the rest, might make it easier for you to swallow if it does crash. Good luck

[@jamieniche]

@@Capture262 good point, I guss I could dca all of it really.

[@kaxar6954]

Please stop saying you do not pay tax if you buy shares within a stocks and shares ISA. I fell for this only to find out stamp duty is still being charged for UK shares. No stamp duty for many ETFs but why are UK companies penalised?

[@TobyNewbatt]

You don't pay any tax on your returns/ profits/ gains/ dividends. You can't do anything about stamp duty tax on UK shares nor can you do anything about whitholding tax from US dividends. Neither of those things change anything I've said :)

[@kaxar6954]

@@TobyNewbatt I am aware of US withholding tax. But stamp duty should be made clear for UK stocks in an ISA.

[@wispa7214]

@@kaxar6954 stamp duty is only 0.5%, a one off payment - basically an one-off admin fee to log your name on the sale. Just factor this in when you buy, and its tiny in comparison when you start making profit on your investment.

[@PaulB-q3d]

Be fearful when everyone else is optimistic? When you’re getting stock tips from the shoeshine boy it’s time to be cautious.

[@steve6375]

@Toby - what do you think of the new T212 reporting of MWRR and Deposit stats?

[@tiffenberg]

It's awful. Many complaining on their message board and Playstore.

[@steve6375]

@@tiffenberg I love it - but they should also add TWR, especially on Pies because then we could compare different Pie portfolios.

[@davidmccoid2704]

On this basis are you better putting £6.60 per Day instead of £200 per month so you get the highs and lows in the market?

[@geofflancaster8542]

...and Trading 212 will do that for you, if you wish.

[@TobyNewbatt]

I'd argue this is more timing the market as there is an opportunity cost of having money sat doing nothing. Unless you are literally paid daily, then I'd be choosing a more sensible deposit schedule tbh. But you can do however you want as long as the platform allows.

[@danielpv1763]

When I am at work I always go to the loo for the 15 minutes around 2PM and around 3:45PM. Big gains.

[@TobyNewbatt]

🤣🤣🤣

[@a-qy4cq]

So, you advocate for DCA which was proven to be the sub optimal strategy?

[@kw8757]

Most people will DCA because they will be investing as they earn. Lump sums may be few and far apart for a lot of people.

[@a-qy4cq]

@@Arcfort 🤔

[@TobyNewbatt]

You’re misunderstanding and misquoting anything I’ve ever said. If you invest what you have available every month then you are doing both a lump sum and getting a DCA price. 😎

[@DE51B0Y]

ISA £20 k per year: is that total from cash + stocks isa per year

[@andy_4264]

Yes it is (at time of writing this)

[@TobyNewbatt]

total per person, per tax year across ALL of the accounts combined. Not per account.

[@gabymotsoloc9295]

Wrong. Best time to start investing was BANG IN THE MIDDLE OF MARCH 2020. So if you went out with a mask on your face to a local to get TOILET PAPER and HAND SANITIZERS (that was sold out anyway), you did opposite to what you should have done. (sadly including myself) 😥😥😥

[@russellpetrie119]

time in the market not timing the market sceptic pegs

[@chrisyates2591]

What if you are 70 and already retired?

[@malcolmbirkett1347]

You may have left it too late. But if your happy to invest they say its never too late to start😊

[@peterwstacey]

I would be interested in a video on this topic, as so much of personal finance is assuming you have an income that you are willing to squirrel away some of for a future in 30-40 years. I suspect saving but for Bonds may be the way to go, due to their lower volatility, but I am most definitely not a financial expert!

[@johnristheanswer]

Spend whatever you have.

[@chrisyates2591]

@@johnristheanswer I’m saving for my dear wife who does not have a decent pension

[@rickymort135]

Logic/maths error 1: having a crash at the beginning doesn't mean you won't have another crash towards the end or in the middle. They're two independent events. Logic/maths error 2: crash at the beginning is no better than crash at end of your investing a large sum or a constant sum because gains are multiplicative: Starting amount * (0.5) * 1.07^20 Which is crash at beginning, is the same as crash at end: Starting amount * 1.07^20 * (0.5)

[@jacksimpson6057]

Your error is assuming that someone invests once and then never invests again.

[@rickymort135]

@jacksimpson6057 no he's assuming the opposite which isn't true for people wanting to know where to save a large amount of money, he's also assuming it's not a regular fixed saving. And the larger point is it doesn't impact the probability of having a crash at the end. That's like saying I hope I get mugged today because I'd rather be mugged when I'm young than when I'm old. Makes no sense

[@jacksimpson6057]

@@rickymort135 your calculation doesn’t account for someone investing every month, the guy in the video did assume that people would be investing every month.

[@jacksimpson6057]

@@rickymort135 he was not talking about someone with one lump sum wanting to invest it all and leave it, he was talking about somebody starting investing and then continuing regularly.

[@jacksimpson6057]

@@rickymort135 stock markets tend to rebound, so if you extrapolate from historical charts and think that stocks are likely to be at (for example) 500 in 20 years time and they are at 100 now, you’d rather have a crash or correction at the start of your investing because you’d be able to buy a couple shares at 100, watch the market crash and then buy 4 shares at 50 with the same investment.

[@ajballernfl]

If i am inveating only say £100 - £150 per month would it be smater ti only invest in say an index fund like @ S&P500 or split it between that and say dividend stocks ? Any information would be much appreciated 🙏

[@TobyNewbatt]

The S&P 500 has plenty of stocks that pay a dividend. Any dividends are just one part of your total retunr they aren't free money I've done videos on this topic worth covering :)

[@oopsminjung]

Been waiting for that crash to come 😂😂

[@TobyNewbatt]

You could be waiting for one week or 10 years. Check back later :P

[@MrTpain1945]

😂 every time I invest it drops in price

[@russellpetrie119]

ive got visions of that 80s poster of the toilet cubicle with the fax machine and telephone on the wall lol kier starmer toilet paper

[@Neddie2k]

Those large fees have been moved to our pensions 😊.

[@GeoffreyEngelbrecht]

For the past 5 years?? I was told by a colleague more than 20 years ago that the stock market was about to crash. ;-) I’m fairly confident people have been saying this since the stock market came into existence.

[@TobyNewbatt]

Indeed you can find headlines, videos or papers with the same story every day forever 😀😎

[@stozy1959]

This time last year some so called experts were saying sell, go away and come back later to avoid the imminent crash. The markets then had one of the best ever years!

[@wispa7214]

@@stozy1959 I have found experts are very much too narrow-mind focused. The real reason the markets have been good, is because the governments printed too much money, hence why the inflation went crazy, which pushed up interest rates and the stock markets, and its only just started tbh. The printed money is finally getting to the normal people.

[@grahammarkhorn]

This vid will do terribly, way too much sense being spoken.

[@TobyNewbatt]

hahaha - well touch wood, it's doing pretty well! Nice for an optimistic positive message to do ok for a change.

[@TSM-908]

This is all well and good advice. HOWEVER, I am 69 years old and have health issues so my opinion is that this advice is dangerous for me and my wife. I potentially don’t know how long I have left to live so for me investing in stocks and shares is more risky than using savings accounts. ISA accounts are improving and as you said they are tax free, but the interest paid on them is normally lower than the highest flexible savings account. Even after tax. So you current age and health status should always be considered as part of your investment ideas. Currently we also have a Labour Chancellor who is actively attacking the pensioners and savers.

[@OGillo2001]

I don't think you have long left pal, go down the casino and stick it on Red

[@glennwhitlock1272]

Really? 😂

[@glennwhitlock1272]

Wasn't it your darling Liz Truss who wiped £425b off pension funds?

[@TSM-908]

@@OGillo2001 I have progressive adhesive Arachnoiditis and daily pain and using morphine patches so you’re 100% right - I have about 10 year at the absolute best insurance actuarial estimates. Ce la Mort!! 🤣🤣

[@TSM-908]

@@glennwhitlock1272 yep really. However there are people who are much worse off than me. Those people who thought that the State Pension would be enough for them. This was refuted by Thatcher government , who suggested the we get on our bikes to find work and have a pension to top up the then struggling state pension fund in 1973/4. Unfortunately being knocked off your bike by a drug driver and then having a poisonous xray contrast called Myodil pumped into you as an epidural did not help. The NHS always refused to accept that this caused the spinal nerve damage and never compensated and did not provide state benefits to patients, so we had to work and just swallow handfuls of strong pills - which in turn stopped insurance coverage for any mortgages at a low rate. MRI proved that there was an issue with Myodil but not until 1989. So yeah really !!! Now I get 50% PIP, but so much daily pain for my 39 years unbroken working service and planning retirement for 2016?when I turned 60. Now at 69 (in Feb) I am still walking like a 100 year old guy. Also memo your State Pension is classified as a non means tested “benefit”, so any future government could change it to means tested or just withdraw it. Look out for your own future as no politician ever will. Invest when your young as the video recommends 👍🤷‍♂️😀

[@DAMON409]

Yes you could buy stocks cheap but not a good idea until the crash has stopped crashing.