Vanguard Portfolio Update | February 2022 | Vanguard UK | Stocks and Shares ISA

2022 has started with a bang...and not in a good way. So in ths Vanguard Portfolio update, I will be looking at what causes market sell offs, what has caused this one and ultimatly, what I plan to do as a result of it.
Comments and questions always welcome :)
Any questions then fire away!
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Disclaimer: This video is provided for information and entertainment purposes only. The content is not intended to be a personal recommendation to buy or sell any financial instrument or product, or to adopt any investment strategy as it is not provided based on an assessment of your investing knowledge and experience, your financial situation or your investment objectives. The value of your investments, and the income derived from them, may go down as well as up. You may not get back all the money that you invest. The investments referred to in this video may not be suitable for all investors, and if in doubt, an investor should seek advice from a qualified investment adviser.
TAGS: vanguard portfolio uk, my investment portfolio uk, vanguard portfolio, VWRL, vanguard VWRL, FTSE ALL-WORLD UCITS ETF, vangaurd etf, vwrl dividends, vanguard uk, portfolio update, vanguard investments, vanguard update, my vanguard portfolio, vanguard portfolio update, NickJM, vanguard, vanguard uk portfolio uk, vanguard isa uk, uk stocks, isa stocks and shares, stocks and shares isa, vanguard index funds, vanguard 2022, sell off, market crash, vanguard selling, sell off 2022
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[@Thivshock]

That diss at meet kevin 😂

[@nickjm4108]

🤪

[@pradyu73]

You deserve more Subs than Meet Kevin. Nice video, worth the wait. Good luck with the canine menu 🙂

[@fractalofgod6324]

At the moment I've got a 1000 pound to invest as I'm on benefits... Is it worth investing or do I need more?

[@nickjm4108]

You can invest with any amount really (depends on the fund)

[@muntaserali7978]

Great video. I believe this type of Financial education should be taught in schools. You would be a great teacher. I started investing in Vanguard Stocks and Shares ISA in May 2021. I am hoping to make a significant return during the next twenty year period.

[@nickjm4108]

Thanks Ali! All the historical data would suggest you will 🙌

[@iain777uk]

Very good advice. I would add that dollar cost averaging on a single stock carries risk but long term DCA on a S&P tracker has proven to be a great strategy.

[@adminwhatsapp5490]

Thanks for watchingⓇ Send a direct msg right away⚡⚡ What'sapp✙447360506058📈 You can join our VIP group ✍🚀🚀buy 👈👆

[@joegiles8163]

Great video Nick! First one I've seen of yours. I'm a fairly new Vanguard investor, joining April 2021. Dumb question - as all my accounts have tanked in Jan + Feb like yours have, but we are still believing in the markets continuing to grow long term - is now a good time to be investing lump sums? As they'll obviusly see good growth when markets recover.

[@nickjm4108]

Hi Joe - your question is the classic lump sum investing vs dollar cost averaging questions. No one can predict the future but we have that the evidence shows that lump sum investing beats dollar cost averaging around 65% of the time. Just because the market has dipped now doesn’t mean lump sum investing would beat dollar cost averaging as… no one can predict the future!

[@dsldude1152]

These videos are really helpful to help with the fear that could cause new investors to sell up.

[@SkilfulLeader1]

Hi Nick, nice seeing the Channel growth and yes this is my first time seeing a sell off because i only started with Vanguard last Feb, but managed to put in 99% of the ISA allowance. But I’m not panicking to much despite the current correction, because I’m in for the long run and it doesn’t make any sense to sell of my stocks to make a loss. I’m going to try and continue with some consistency to balance the averages! 👍

[@BartoniGaming]

don’t panic just put in weekly or monthly. lumping all in at once could mean you bought at a high point. dollar cost averaging over the year means you reduce your chance of losing and also buying in at the mean average over the year. 👍

[@anonnymous4684]

*NO ONE WANTS TO 'REACH OUT' TO SCAMMER.*

[@SkilfulLeader1]

@@anonnymous4684 that’s a classic reply given your username. Who’s the scammer!! 😂

[@anonnymous4684]

@@SkilfulLeader1 Hmmm...from what I've seen, most scammers either use some form of Whatsapp - as above - or 'real' sounding fake names.

[@joshuat1535]

You have property right? Have you considered remortgaging to get hands on capital? Imagine you have a good credit rating and can get your hands on equity on your home at a cheap rate.

[@nickjm4108]

Yeah - it’s more the fact I own my home with my partner. So leveraging this is leveraging her money which I don’t think is fair

[@NoNonsenseJohnson]

@@nickjm4108 guarantee the house loan, with your ISA funds. You get the cheap capital. And still get to earn/spend time in the market.

[@randlerobbertson8792]

Reassuringly honest. Ive got Vanguard stocks and shares ISA's invested in lifestyle funds with large risky equity percentages and, Im getting hammered right now but, I intend to hang in there. The observations made here I found poignant and personally accurate as regards my attitudes. the summary is reassuring overall tho.

[@adminwhatsapp5490]

Thanks for watchingⓇ Send a direct msg right away⚡⚡ What'sapp✙447360506058📈 You can join our VIP group ✍🚀🚀buy 👈👆

[@bombski5657]

Cheers Nick been waiting for this video and it has certainly put my mind at rest as a brand new investor.

[@bombski5657]

Thanks Nick, much appreciated. I've saved the "reasons to sell" graph from this video I'll look at that when I'm being silly from now on 😂.

[@antonyincornwall435]

I think i am over watching the vwrl price but it seems that sometimes if the us market does really well after our stock market close this isnt always reflected the next day. yet the lifestaratagy 100 will have gone up a fair bit as its valued after hours ,is this the way of etfs in general ,driven my market sentiment rather than the actual value of the stocks it contains ? Btw at the moment i just have vwrl and cash (nervously hanging on to that at the moment) i am in the red but started at just the wrong time in late december 21 , enjoying the ride though and have subscribed

[@nickjm4108]

Hi Antony - it's a bit of both to be honest! It's not possible to start at the 'right' time. The best time to start was alwasy yesterday but the second best time to start is today. Appreciate the support

[@SK-ql1fe]

Would you advise investing at the moment?

[@nickjm4108]

I can’t advise as Im not qualified to do so. All I can do is simply show you my situation and what I am doing (and share the reasons why). If you want to see this in my detail then I did a video called ‘my investing strategy for 2022’

[@ozymemedias7359]

Assuming you came into a large sum of money (equivalent to your ISA allowance) some time in April. Are you lumping it all in one buy asap or is your strategy to stretch your buys out throughout the year?

[@nickjm4108]

Hi Ozy - no large sum of money recently? Are you talking about April 2020? If so, that was me selling down all my matches betting profits. I lump summed it into my portfolio (which is why you see a big jump)

[@ozymemedias7359]

@@nickjm4108 no sorry, it was a hypothetical "What would you do if in two months you gained a large lump sum, through bonds or unexpected inheritance". I assume you would put some into your business, but I was wondering if you would lump sum into VWRL during the current fear mongering in the market or stretch out your investment to see what happened over time.

[@nickjm4108]

@@ozymemedias7359 hey Ozy. Aaa got you. This is your typical Lump Sum vs Dollar Cost Average question. I would say the primary two factors are your risk tolerance and the size of the lump sum as a percentage of your investments. All the data shows lump sum investing wins 66% of the time so unless the money was literally several 100k, then I would probs just lump sum it.

[@DaboooogA]

Great video thanks - would love to hear more of the UK perspective

[@nickjm4108]

Could make it a key focus for next weeks. What would you want to know/see?

[@kartace1]

Great video, just one comment. - The saying is 'par for the course' and not 'part of the course'.

[@adminwhatsapp5490]

Thanks for watchingⓇ Send a direct msg right away⚡⚡ What'sapp✙447360506058📈 You can join our VIP group ✍🚀🚀buy 👈👆

[@Zzyyxx22]

Would you not be better taking money out of your house rather than cashing in part of the isa?

[@nickjm4108]

I obviously share my house with my partner so I wouldn't think this is fair

[@Zzyyxx22]

@@nickjm4108 it was only a thought.

[@nickjm4108]

@@Zzyyxx22 no worries buddy! Cheers ☺️

[@redditfinance2811]

Good luck with the canine menu! Remember even if its not optimal or not the right risk to reward ratio, you might regret not investing more into it! Life is about taking risk!

[@nickjm4108]

True! We'll all be dead one day!

[@abc908]

Hi, should I stay in the lifestyle strategy 40 as it seems to be performing shit the last couple of months, yet the stockmarket has gone up. Cheers

[@nickjm4108]

Can’t give financial advice but any reason why you’re holding 60% bonds?

[@abc908]

@@nickjm4108 just thought it was a safe option. What would you do with 100k

[@davidthomas-ot4cl]

Good luck with the business. I'm curious about your pension. Why don't you have that with Vanguard too? And are you going to let us know how much you have in it?

[@nickjm4108]

Fair question - the business I work for (and like the other 99% of businesses) do not match contributions if you put money into a SIPP. As the match is a lot of money, it's not worth me moving. Couldn't tell you confidently what I have but I imagine it'll be around 80-100k plus a 12k AVC.

[@giorgioc8263]

I maxed my ISA allowance just before the correction in mid January with no possibility of buying the dip lol. Patience …

[@nickjm4108]

One of them things!

[@mirzacandrei5143]

You are not alone, same here.

[@NoNonsenseJohnson]

Look on the bright side. You earnt enough to invest 20k this year. Most people have less than 1k in total savings. You are killing it. 👊🏽

[@giorgioc8263]

@@NoNonsenseJohnson well put, thanks !

[@mrmiruk]

Good luck with the business 👍 Makes sense

[@crg92]

I just see these times as a bonus.. Deposit a little more than you usually would, if you can when markets go down like this. If your in it for the long term all this does is give you a great opportunity to bring your average price down.

[@adminwhatsapp5490]

Thanks for watchingⓇ Send a direct msg right away⚡⚡ What'sapp✙447360506058📈 You can join our VIP group ✍🚀🚀buy 👈👆

[@markusass]

When US interest rates rise it will affect the rest of the world and especially emerging markets, that have a lot of debt priced in US dollars, so i should imagine capital will flee from there and go stateside, ironically. So, stocks will go up, especially in the DOW 30, despite rising interest rates.

[@deanswift9829]

Interest rates have been pathetic for savers; about time they went up.

[@jorgalbertz11watp75]

Nick mate, we need more Roamler videos!

[@nickjm4108]

In what way?

[@jorgalbertz11watp75]

@@nickjm4108 tips, tricks, how to make the most money from the platform. How to take the perfect photo so tasks are rejected?

[@anonnymous4684]

Great video. Shame about the scam messages in the comments section though, using your profile photo. Too many of these all over KZbin personal finance videos.

[@nickjm4108]

Very little support from KZbin with it. I delete sooo many every day

[@ravishantilal5506]

What are your investment?

[@nickjm4108]

VWRL only with some crypto

[@titsonafish]

Been waiting for this one... stormy few weeks!

[@nickjm4108]

Hope it was worth the wait!

[@titsonafish]

@@nickjm4108 Interesting stuff, good luck with the canine menu

[@lawrencer25]

Fabulous video 👍👍👍🥂🥳

[@robbink5434]

Cool side project. My business also is in the dog industry. 🐶👌

[@nickjm4108]

Ooo what do you do Robbin?

[@robbink5434]

@@nickjm4108 i wrote and selfpublished 4 puppy training books and sell them on my blog and third party websites.

[@deanswift9829]

The stock market might have continued to go up throughout the years but you still have to pick the winners.

[@nickjm4108]

And also picked the losers 🙂

[@tom7676]

Why sell your shares when money is so cheap?

[@nickjm4108]

Last thing I want in life is more debt. Trying to get rid of it!

[@spiderwebtradingsignalsbym4116]

Good 👍

[@kieronwiltshire1701]

What you don't take into account is when big market crashes occur how long the recovery takes. If you invested in 1928, you would not have seen a return until 1954. If you invested in 1998, you would not have seen a return until 2011. This is just relating to the S&P500 too. If you invested in the Nikkei in the 80s, you still would not have seen a return on your money to this day. Investing passively has it's benefits if you start really young, but imagine investing at the age of 40 during a long bull run and something as catastrophic as an asset bubble causes a crash so hard that the index doesn't recover for 25+ years. You don't see a penny until 65 at which point you're breakeven (that is if you don't average down). Personally, I think index funds are great, but it does pose the question of value and price discovery, especially during times like the pandemic where 80% of the money printed found itself onto the stock market and inflated the price of everything.

[@nickjm4108]

Investing is all about time horizons. If you start investing in your 40s then you will likely have an edge into bonds. Your point of 80% of money being printed is an argument of being in equities. Yes - you can pin point certain indexes and certain time periods but trying to buying at the ‘right time’ has been proven to be a fruitless exercise.

[@kieronwiltshire1701]

@@nickjm4108 Actually this is only in comparison to most hedge fund managers which isn't the best comparison. The goal of a hedge fund is capital preservation. There are a lot of successful active fund managers that beat the S&P500 regularly year after year.

[@nickjm4108]

@@kieronwiltshire1701 and there’s more that lose to it. Im not trying to get the best return, I’m guaranteeing the 2nd best (metaphorically speaking)

[@kieronwiltshire1701]

​@@nickjm4108 Yes of course, and I would actively encourage anyone who wants to invest to do this but at the same time I wouldn't knock active investing because by passive investing, you really aren't going to make a substantial amount without compounding whereas with active investing at least you do have the possibility of hitting big numbers early on albeit very hard and rare.

[@kieronwiltshire1701]

I would also argue that it’s probably best to do a bit of both :)

[@zanychelly]

Bull markets can make you money, bear market can manor you rich. A change i portfolio can help you. I have doubled down on Google and Tesla.

[@cathaljmusic]

Vanguard are Scumbags.

[@nickjm4108]

You are the very first person to say anything negative about them 😂 how on earth are they scumbags?