What's the Best Way to Invest? (Don't Get This Wrong)

Dividend stocks, growth stocks or Index funds? What's the best way to invest and what are the pros and cons of each one? Let's have a look and I'll give you my own opinion at the end!
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[@larrydimon7811]

A higher %age of people won’t purchase the S&P500 because long term investing is much harder to do than to say!

[@TobyNewbatt]

100% - I think it's like keeping fit or eating healthily. 90% of people won't keep it up long term even though they know it's good for them.

[@philcrowley007]

S&P500 for the win!🤑

[@ShelleyfromCali]

💸📈

[@larrydimon7811]

Heck yeah! Such an amazing wealth building tool :)

[@Couchlnvestor]

I heard that investing in stocks that are not affected by economic policies is significant. NVDIA and other AI related stocks are on my radar or do other suggestions work better? My goal is to protect my financial future with the £200K I have available. I am 33y/o

[@smeg3519]

If Warren Buffet walks up to me and says…..”just buy an etf and don’t worry about the news” and I just ignore that……I’m a fool. I’m so happy to be an index fund investor. Nice video mate 🎉

[@juan-bf7hm]

The only thing that makes me worry of that strategy (sp500 in the long term) is that 100% of the finantial channels are agreeing that is a good strategy.

[@TobyNewbatt]

This is a great point Juan, however history shows us that most investors won’t or don’t do this. Every food channel tells you to eat healthy. Every fitness channel tells you to work out….how many people actually do that for 20-30years plus…very very few 😎

[@juan-bf7hm]

@@TobyNewbatt I get your point. History shows us that because there was not that much information as there is now with things like KZbin. If you eat healthy and train, you will get better, no matter if 99% of people eat healthy and train as well. However, if all the people (or too many people) are starting to follow the same investment strategy because of such strategy being made so popular in every single finance channel, should we not start to worry? This is a honest question.

[@TobyNewbatt]

@@juan-bf7hm the honest answer is no. It’s also not possible for everyone to follow the same strategy as everyone has different goals. Every buyer requires a seller, the stock market is a big market with many different people. Feel free to invest how you want, it’s all a personal choice nobody knows the future.

[@juan-bf7hm]

@@TobyNewbatt thanks for the answer mate, I am not trying to be the only one who is right, I am just wondering. They say as well when everybody agrees an investment is good, be careful. That is the reason for my wondering. Thanks again

[@jasongarbett7232]

Great bit of information really helpful.

[@Norfolkpaul]

Always great job on your video 😊😊

[@TobyNewbatt]

Thank you! 😃

[@mundungo5586]

yep your final comments sum this up so well.find what works for you and stick with it.Thats the key.Not chopping or changing.And being very very consistent over very long periods of time and by and large an investor will do well.

[@drjanemccartney]

Hi Toby, let me be the first one on this vid to say a belated happy new year and thanks for your content, you have a nice calm and straightforward way of relaying what can be quite complex investing info, keep it up 👍

[@TobyNewbatt]

Hi Jane, very grateful and thank you for the kind words. Wishing you a great 2024 as well. Lots more videos planned I hope I can help as many people as possible and build a great community that helps each other too :)

[@hlits6310]

This is the best investing video clip I’ve ever seen. Gets right down to the nuts and bolts.

[@TobyNewbatt]

Thank you :)

[@lifeisagame2023]

I like etfs for dividends that I enjoy individual shares for entertainment n small gains n index funds for actual monetary gains

[@valerienewbatt9678]

Very informative Toby

[@TobyNewbatt]

Thank you as always!!

[@Zero-Investing]

Great video 👌

[@TobyNewbatt]

Thanks 👍

[@ATOMIKDOG23]

Hi Toby just wanna say thanks for all the advice you give in your videos..

[@ATOMIKDOG23]

Just an addition to that....I have listened to your advice

[@ATOMIKDOG23]

It's good advice

[@chrysanthosrialas5383]

Do all of them in my opinion, cannot go wrong that way

[@jackumentory]

I’ve not done too bad personally, i think overall ive managed about 7-8% and most if that has been from the last 4-5 months. i made some buys at the start of the year that put me at a loss of about £250 between 2 stocks. both i sold out on and put the money into my dividend/growth stocks - these all dropped august september but i kept buying since and now across the lot it gained about 6.2% to today. my index/etf pot was flirting around 5.2% by the year end, but the last week saw it drop 1.4%. Despite all this, i feel if i’d just invested in to 1 or 2 index funds/eft’s id actually have gained more, but ive got no regrets and happy with my investment decisions.

[@lifeisagame2023]

The aim as hard as it is with individual stocks is to get both. I've done that once with bank of Georgia which I actually researched properly for a change. 154% growth 7% dividend. Rare as this is. The thing I hate about growth stocks is looking at a negative balance 2 years down the line with nothing to show for it. Psychological I know but at least with dividend stocks I feel like I'm getting something even if its negative growth

[@TobyNewbatt]

The psychological element is so important as always. I know I try to break things down rationally all the time but it all comes back to that doesn’t it 👍👊

[@TomsPersonalFinance]

Great video, Toby. One small point at 06:08, I don't think it is only 3% of dividend stocks that beat the market as that assumes all 22,500 listed stocks are dividends stocks. The odds might be slightly better for dividends stocks than 3%, but i completely agree with your point!

[@TobyNewbatt]

Indeed Tom I meant to say out of all stocks but thank you!! Too many figures at once in my scripts 😂

[@TomsPersonalFinance]

@TobyNewbatt I'm just being unnecessarily picky! Your videos are great and I really appreciate how much work goes into them 😊

[@itouch00]

Thanks again Toby. I went from putting all my money in the S&P 500 to going global. Although the S&P was giving me the best returns global index funds feel a bit safer when I come to retire in 40 years time

[@TobyNewbatt]

I think that's a solid choice. We have no idea what the future holds but I also much prefer being globally diversified.

[@paulr1]

I have a dividend portfolio and a index portfolio.

[@Abdul_Rahman86]

A big factor regarding individual stocks is also the amount of money. With all due respect. Plenty of clowns picking individual stocks but only invest £100 per share

[@ryanmilner7169]

Fusa looks a decent dividend growth etf

[@jabberwockytdi8901]

Thing is if you have a lump sum to invest at or near to retirement you need cash flow now or have to use capital. Waiting to see how non dividend or yield bearing investments perform so as to be able to take some profit for income is not an option. Keeping back say 3 year's worth of cash is also not an option if you don;t have big savings , and if I would rather take some risk with that capital to get an income stream off it instead of spending a portion of it dividend and yield bearing investments are unavoidable. There plenty of ETF's that follow the market & payout the dividend that the market generates and doesn't expose you to individual stock risks or you can go for active or weighted index ETF's to your taste. They are a good option alongside fixed interest stuff without passing up on growth. Up until this year the yield on non-junk fixed interest was so low it's no wonder people were looking at below investment grade corporate bond funds BDC's and REITS etc.

[@darrenmason4412]

I basically invest in VOO, SCHD, and QQQ. Don’t really buy individual stocks anymore I feel long term this covers everything..

[@BaileyMxX]

You've got no exposure to small cap (small businesses that are a huge part of domestic markets)

[@ruben8114]

Thanks for all the content Toby! How do you look at a portfolio of a high yield dividend index fund, a growth index fund and a sp500/all world index fund index fund as a balanced portfolio putting them all together?

[@TobyNewbatt]

Invest however you like. A portfolio like that has all of the same stocks in it just some weighted more than others. Once you own the world anything on top is at your own discretion in my view 👍. Most likely it performs the same as a global index in the long run BUT nobody knows. Much more important to keep contributing over the long run and focus on getting as much in 👍👍

[@ruben8114]

Yeah that’s true. It will be weighted a bit differently but it will probably be not be far off from a single VWRP for instance. Thanks for responding 🙏🏻

[@ericshang7744]

6:02, the number is interesting. So dividend good stocks are 1 to 3 of all performing stocks. While all dividend stocks are1 to 10 of all growth stocks. It means dividend stocks are proportionally more chance to be performing stocks.

[@TobyNewbatt]

Sorry I think you might be misunderstanding the data, or maybe I am explaining it badly. Dividend stocks are not proportionally more likely to beat the market. In my video - Out of all stocks 8% beat the market - and then once you filter out who pays a dividend it becomes less than 3% - so more stocks that DON'T pay a dividend i.e. growth stocks did better than dividend stocks. 5% is larger than 3%.

[@MrG.42]

Now that I am retired, should I now be investing in dividend distributing stocks? VWYL etc.

[@czarcoma]

Reading the title: depends in your goals and risk tolerance

[@sarafatimaiqbal]

How is freetrade and etoro to invest?

[@matthewdodd7657]

I think the best way to invest is a all world index etf. As they grow and pay dividends. You get all 3 for a great fees

[@TobyNewbatt]

Agreed Matthew, Index is best of everything. And if you really want some picks on the side fill your boots :)

[@loutol2952]

Happy new year mate. You cannot disregard the importance of dividends as a motivational factor for some investors and keeps them engaged. As long you reinvest the dividends you will be just fine. As an example USDV a dividend paying ETF with also very good growth record competes quite well against VUSA.

[@TobyNewbatt]

I totally agree that dividends motivate people and if the choice was not investing vs investing in dividends to reinvest then it’s a no brainer 👍. Important to fully understand the risks though as there is so much misinformation on dividends. You should see the comments on my snowball video…people genuinely think it’s free money

[@ftr841]

Investing in an index fund tracking the ftse 100 is a nice mix of growth and dividends. Dividends are a huge motivator, seeing them grow from paying for a coffee out to a cheap flight etc

[@ChrisShawUK]

I've always found it very motivating to watch the index funds (with dividend reinvested) grow. It's all capital at the end of the day. Dividends are not income, they are a return of capital (the fact they may be treated as income for tax purposes is irrelevant). If people are motivated by somehow believing there is like blue money and red money, they are most likely going to end up taking longer to become financially independent. Reinvesting returned capital and making regular contribution are the secret sauce to wealth accumulation

[@dubsdolby9437]

In a market crash, you would have to sell units to fund an income in retirement using only a growth strategy. A dividend investor with solid dividend payers can ride it out without selling units. It depends on what suits your investing goal. A mix of both sounds a better plan.

[@ChrisShawUK]

That's not really how you do it in retirement. I stopped work five years ago aged 51. I keep a three year cash buffer and the rest in index funds. I then can choose appropriate points to "top up" either small or large amounts. I've been happy to let it go as low as 1.2 and as high as 4.1. You still need to guarantee market return when you retire if you expect to live for 30-40 years. There's little point in trying to beat the market by picking dividend stocks

[@dubsdolby9437]

@ChrisShawUK 🤔works for me. I retired at 53 last year, and my dividend portfolio of 600k produces around 48k a year in dividends without having to worry about share price fluctuations. Yes, dividends can be cut or stopped, but they can also increase. But you have to contend with the uncertainty of stock market crashes. I get paid regardless.

[@ChrisShawUK]

@@dubsdolby9437 you had the unfortunate timing of retiring in a bull market year. Things won't always be like that. When I stopped in 2019 I had to sit and watch a 32% portfolio decline in 2020 during covid. I wasn't worried because I had a four year cash buffer. The dividends I received in my index funds during 2020 were reinvested automatically In 2021 it recovered a bit but I didn't top up. In 2022 I topped up a bit and in 2023 I topped up a lot when the market was good. Cash buffers are essential. You probably won't find that out this year, but at some point in the 2020s you'll wish you had one.

[@chrisf1600]

But so what if you have to sell some units ? You're basically arguing that you'd rather have 10 shares worth £9 each, rather than 9 shares at £10 each. The argument makes no sense. Dividends aren't free money !

[@dubsdolby9437]

@chrisf1600 cool 😎 even if i only get 4% growth per year, i am still ahead of most indexes as i already yield at 8%, so your argument falls a bit flat. keep selling your units, and I'll keep collecting my dividends 👍 I am sure you'll survive with your 3 year cash buffer 🙂

[@thunder5496]

Started with Vanguard directly and ended with 80% in S&P500, 15% FTSE250 and 5% Emerging markets slightly down on all three and thought to give my own picking a go with T212 and Dodl LISA. T212 currently up 14% (spent large parts of the year 10% down) - Lloyds, Diageo, AMS, Unilever, Persimmon, Palantir, Rolls-Royce and somebody else I cant remember off the top of my head. The LISA is only 3% up but have figured with the 25% governement bonus built it was a reasonable gamble - GSK, Legal and General, National Grid, DS Smith, Glencore and BP held here. Know that that money is stuck there until I'm at least 60 though. Understand what you are saying re the £10 share giving £1 dividend now being valued at £9 but not sure that (always) translates into reality. Consumer demand/confidence seems to drive share price so yes logic would dictate the £9 especially over a comparable £10 share that didnt pay a dividend but humans have strange ideas and feelings in their heads.

[@TobyNewbatt]

Good luck with your investing :) And yes your other comments remind me of the saying the market can remain irrational longer than you can say solvent.

[@thunder5496]

@TobyNewbatt it all comes down to luck I guess albeit ETFs nudge the luck more in your direction. My faith in the US economy had been rocked a little in the last year which nudged me into individual shares too for this year.

[@ChrisShawUK]

The thing with dividends is that they are paid in cash, which is the very thing you are trying to avoid holding by investing in the first place. So they need to be reinvested immediately. Note that index funds also receive dividends and they are automatically reinvested (if you select the acc variant). Whether the total return of your portfolio beats the market over the next 20 years remains to be seen. Chances are that it won't, but KZbin comment sections do always seem to be full of people with the Midas touch, so you might get lucky.

[@robgardner4063]

Hi Toby, do you know if Vanguard offer fractional shares directly through their platform now?

[@TobyNewbatt]

No unfortunately not, at least on their ETFs. You'd have to use their mutual funds if you want 'fractions'. This is why I invest in Vanguard ETFs on other platforms so I can get them in the sizes I want

[@drew_peabawlz]

which platform do you use the most?

[@TobyNewbatt]

I use, Vanguard, trading 212 and InvestEngine all inside ISA/ SIPP accounts

[@shamilkhader]

Hey toby, do you get paid dividends from investing stocks and shares in vanguard mainly from index funds like S&P 500 and ftse

[@TobyNewbatt]

Yes - of course. If you buy an index fund like the S&P 500, the world or even the FTSE 100 you get paid dividends. Some funds automatically reinvest them for you and others will pay them out to you.

[@shamilkhader]

Thanks

[@peterwstacey]

One topic I'd be interested in for a future video is on the different type of ETF's and Mutual Funds. For example, why is S&P 500 way outperforming FTSE and European funds. Or the various ethical ETF's available

[@TobyNewbatt]

Thank you for the suggestion

[@peterwstacey]

@@TobyNewbatt Really good channel by the way, nice to see good financial advice that is UK-centric - keep up the good work!

[@hannahbould7225]

Toby, with a stocks and shares ISA, do you have to pay tax on your gains? Or are all gains received using an ISA tax-wrapper automatically protected? I doubt I would be able to invest more than £20k pa anyway so if I only invest via an ISA, will I be protected from tax? Thanks.

[@TobyNewbatt]

All money inside an ISA is completely tax free that’s why it’s so good

[@ChrisShawUK]

An awful lot of people believe that the investing strategy continuum is dividend at one end and growth on the other. In reality, both those strategies are just variations of active investing. Like all active investing, it's more likely to underperform the market than not over a 20+ year time period. The real investing axis is passive versus active. You could choose a passive dividend index as part of that if you think it will outperform the market weighted.

[@TobyNewbatt]

🎯

[@Riaan3108]

My biggest view is to invest as much as possible, prior to the tax man getting his grubby mits on my hard earnt money.. I’d rather invest £100 pre tax in to a pension, vs say £59.

[@dividendhero]

Thanks, what's the current yearly dividend allowance for an additional rate tax payer before having to pay tax (outside an ISA)?

[@TobyNewbatt]

Everyone get's £1,000 dividend allowance this tax year (reducing to £500 next tax year) It is not affected by your total income. Your income tax band will determine how much tax you pay once you go over this - and additional rate pays 39.35%. Feel free to confirm on the gov.uk website :)

[@dividendhero]

@@TobyNewbatt thanks, so if I maxed out my ISA, I could put money in a general investment account and collect the 500£ dividend allowance next year and only have to pay capital gains tax should the stock go up?

[@TobyNewbatt]

@@dividendhero First part of the comment is correct yes - no tax is paid on the first £500 (next tax year outside of any ISA). Second part - you only pay capital gains tax when you sell a stock (again, outside of an ISA etc. and outside of allowances. This tax year we all have £6,000 for capital gains allowances (next year this reduces to £3,000) Please check all of these figures, they are publicly available on the gov website.

[@ChrisShawUK]

If you had maxed out your ISA, then it's worth opening or adding to a sipp (60k max I believe). We live in one of the best tax shelters in the world. It's a shame to ruin that by holding anything outside of the max

[@dividendhero]

@@ChrisShawUK I already do salary sacrifice with my current employer workplace pension. Can I/Is it still worth it to open up a SIPP?

[@shadowthi3f421]

I’m going to take a wild guess that Index investing is going to be declared the best option 😂

[@TobyNewbatt]

I'm slightly biased to objective data and facts...so that might be the conclusion but each their own :P

[@BenibomBugs]

Honestly i might be a fool but i want to invest into dividends and get about 50 a month over a year with the money going into my bank just so i have a tad bit of extra assurance that id hopefully not go broke.. if i run into trouble i would just like to know that that tiny buffer id there and end goal would be to live off dividends but at this rate that might take a little while..

[@TobyNewbatt]

Totally understand that, but investing is not for the short term to generate cash. Honestly if you want cash in your bank account you don't invest, you save money. Investing is for long temr growth and taking momney out of it (which is what a dividend is) slows and reduces future growth. If you have an emergency fund or cash for a rainy day you don't need to get diviends :) Just my 2 cents - always up to you what you should do with your cash.

[@BenibomBugs]

@@TobyNewbatt oh I appreciate the reply toby thing is I'm from essentially what's a third world country technically it's developing country but eghhh I don't quite agree it is so if I had 4.3 grand a year after tax that's already minimum wage and currently with what I'm working I've got an 120% ROI yearly which is just mental but the risk factor is also mental and I could lose my entire portfolio pretty fast so while dividends may be risky I think I'd still like to put 80 grand into let's say O stock for an example where there is risk but not too extreme risk for me atleast and honestly I could still keep working because as much as the fire movement is lovely it should not be an end goal having nothing to do for awhile is just so boring but even with that ROI I'm still about 4 years away from reaching that if profits stay the same but as I get more capital obviously they will slow down for me dividends are just knowing that I'd have that little buffer there no matter what happens would give me comfort or if I reach the previously mentioned investment amount it'd be nice to have that security there and I'd love to keep working just on what I'm more passionate and probably stop pulling 60 plus hour work weeks. Well I hope you enjoyed my little story I do have a quick question though why do people always suggest investing In snp500 trackers rather than the snp500 index itself?

[@Pieter2360]

Great video. Hopefully, one day, amateur investors will finally understand that dividends are not returns. The problem is that the high div investing crowd is so entrenched in their flawed perceptions, that they won’t listen 😂

[@TobyNewbatt]

I'll try my best Pieter...but I'm not going to hold out too much hope. And the big companies also know that dividends attract people to invest in them as well.

[@Pieter2360]

@@TobyNewbatt I know 👍. Really like your channel, which I only just discovered. Just subscribed.

[@Chag69420]

If I was in the US I'd be 35/35 SCHD and S&P500, 10% Commodity Tracker, and 20% Money Market/Bonds. But I'm in the UK, so it's all PRIW/CSH2/UC15 at 70/20/10. Might have gone balls to the wall with Realty Income when it was low though 😂

[@Chag69420]

Unfortunately the closest thing to SCHD in the UK has 5x the fees.

[@loutol2952]

@@Chag69420 is that VHYL?

[@TobyNewbatt]

What is PRIW? I cant find that, is that an Income ETF? Good luck with your investing, as always, find what works for you and keep bloody going :)

[@porschecarreras992cabriole8]

How can you pick a bad company from FTSE100? And assuming they are all worth considering why not choose the ones that pay dividends? After all if the cut dividends later you just sell them and buy another company.

[@TobyNewbatt]

Plenty of bad companies, you will just never know which ones perform badly. Even if you buy a stock and take the dividend you are still losing opportunity cost as you can lose a huge part of your capital too. A dividend can give people a false sense of returns. Think about stocks like BAT - over the past 5 years, even once you add the dividend and reinvest it, the 5y total return is 33%. Awful. Compare that to VUAG for an index fund and it's done 85%. There's no free dividend in investing :)

[@jdomsmith]

In my tax efficient retirement accounts I have dividend growth ETFs, mostly US, with about 15% international, and 10% Birkshire. I copied that portfolio into my taxable account as 60%, 20% into total US market, 10% into Berkshire, and 10% "speculative", where I pretty much gamble with stocks and market sectors. I need an outlet to speculate, I just keep that allocation relatively small.

[@TobyNewbatt]

I do something very similar in terms of allowing myself to speculate a little. I think you have to allow yourself that itch to keep yourself interested! 👍👍

[@stigohara4961]

There are no taxfree accounts in Germany. (Thank you politics) We are allowed to make 1000 Euros taxfree in gains. So my first step will be buying dividend paying Stocks to get these taxfree 1000 Euros. Is this wrong? Should I invest in a etf instead and let that taxfree money go?

[@TobyNewbatt]

Hmmm, ok so tax free on 1000 Euros per year. This is very low Personally, I would just invest and not take that money each year because it might be tax free BUT it is reducing your long term gains. Taking 1000 Euros out now is costing you in the very long term. Surely you want to reinvest that money (I assume you don't need it now) I'm very interested is the different investing rules in Europe, I need to make a video one day! :)

[@stigohara4961]

@@TobyNewbatt I think you got this wrong. For example: I have got 100 000 in Stocks and I receive 1000 a year. These 1000 are tax free. (Sorry, my English is way back from school and is rotting away quick)

[@TobyNewbatt]

@@stigohara4961 I’ll have to do some research and have a look. Thank you for the comment. In the UK we split up dividend income and capital gains with investing. Don’t worry about your English it’s much better than my German! 👍😎

[@ChrisShawUK]

The UK is the best tax haven in the world I think ... Certainly better than the US. Our politics is the opposite. My fellow citizens keep voting in the Tories, whose very clear mission is to ensure that the rich get richer. I personally don't vote Tory because I don't believe that's the best outcome for society. But I do take advantage of the wealth that my fellow citizens help to accumulate.

[@tonymarriott5174]

Companies don't choose their share price the market does. They don't drop from $10 to $9 because theyve paid out money. The share price goes up in the last month due to speculators wanting the Dividend it then returns to a more sustainable price after that. Ive seen share prices continue up after ex dates, as have you. Also, if you were right how has coke paid forever and not had a stock price go to zero. In your example if it dropped $1 every dividend why hasn't the company gone broke after 10 dividends. Why hasn't ANY company gone broke after a short while. Yes the value of cash leaves the company, but it has no effect on the share price because that's just come lately investors taking a grab at dividends. Its stupid because as you say after it can drop but only to a previous price where the smart investors are waiting :)

[@TobyNewbatt]

Sorry Tony I’ve never said that a company share price goes to zero because it pays a dividend over time? The dividend is part of the total return, you have the capital appreciation plus your dividend. The market decides like you say, it also isn’t free money it is removed from the market…by the market. Total Coca Cola returns for the past 10 years have been terrible compared to an index fund 👍

[@vh1775]

I think either paying into your pension or paying down your mortgage. If you do either you can’t go wrong.

[@shellyperera2010]

Or do both which is what I'm doing.