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

[@stephencook4644]

Investing is good the problem seems to be fund managers paid huge amounts of money for piss all in returns in the uk very poor !!!!

[@jahanghir528]

the UK market generally has poor returns, I never invest in UK based funds. Rather invest my money in a global index or sp500 fund.

[@victoriavirgo]

Another great video - Thanks for highlighting the UK ladies and their KZbin channels - my question - In the comments below you said you choose to invest in VWRL and not Life Strategy because the Life Strategy is a mixture of bonds and equity with a heavier UK bias. I am a newbie investor (1 year), slightly more risk averse, who wants a hands-off easy approach to investment. What would be the difference in the rate of returns over a certain period? Would there be a huge difference? Hope the question makes sense. 😀

[@nickjm4108]

Hi Victoria - I couldn’t possibly comment on future returns as no one knows. Based on historical long term averages, stocks have returned 10% per year and long term bonds have returned 5-6% per year. Obviously bonds do better when markets go down.

[@Cleisthenes607]

I have VUSA at 25% and then a bunch of individual stocks that I've researched and done the DCF calculations for and read the 10-ks. I enjoy this so it's fine. So far over the last 5 years I have done better than the S&P 500 which is my benchmark but am well aware that over the long term beating the index is going to be very difficult but its still fun.

[@Pieter2360]

Good one. Forgot beating the market. My equities are in just 3 vanguard funds (global developed, global small cap, emerging mrkt) proportional to the market caps. Couldn’t be more simple and the time saved goes to increasing my income and enjoying life 👍

[@nickjm4108]

100%

[@Amit_l92]

Fully agree Nick. I’m all in with the FTSE Global All Cap.

[@nickjm4108]

🙌

[@TobyNewbatt]

Do you take thee to me your lawful wedded fund VWRL: Yes, yes I do.

[@iQinvesting]

Agree with your thoughts on VWRL / FTSE global all cap being meta. What’s not to love

[@callumtimbrell3702]

Nice to see a UK youtuber pushing the need for diversification and simplification when picking a fund, as preached by many FI books. Have sattellite holdings for dabbling if you're that way inclined (I am) but no more than 10-15% of your total invested assets.

[@nickjm4108]

100% I dabbled in crypto but only 2%, got some stock picking content ideas but purely for entertainment purposes only. Watch this space 🤗

[@anthonyh8248]

Thanks for this Nick. One question - if you needed income in retirement this would traditionally perhaps come from dividends - with the single fund philosophy these tend to be Acc funds, hence no income paid. To get income, would you plan to simply sell some down each year, eg. 3%? Great channel and information - keep up the good work!

[@nickjm4108]

Hi Anthony - yes. I would sell down 3% a year most likely (obviously dependent on a few factors)

[@cdb2365]

I started investing in May 2021 (VWRL) and my return has been 1%. I’m hoping for a better better 2022 but I’m in for the long run. Loving your videos as ever.

[@nickjm4108]

Hey CDB - you’ll likely swing in and out of profit for the first few years (I was down 3k after 2.5 years at one point). Keep calm and carry on!

[@buytolet-landlords]

This is a great video Nick. I hope your channel grows. I know how hard it is to have a YT channel. Good luck.

[@nickjm4108]

Certainly is. The grind is real!

[@bombski5657]

I just started investing I've weighted massivley to the lifestrategy 60% equity fund. My next biggest investment is VUSA then a little bit in VGER and VPAX respectively. I've taken a bit of a suck it and see attitude. I've roughly weighted it to what I think will do well. In all honesty though I don't really have a clue 😂. Cheers for the video it's certainly given me food for thought.

[@nickjm4108]

You've started investing, thats that main thing :)

[@johnchumacog7730]

Thanks for sharing your portfolio Nick. I'm new to this and still researching about S&S ISAs. Would you advise to start opening accounts now and continue topping up until the end of the next Tax fiscal year or would you suggest to wait after April 6 2022 and see if I can max out the 20,000 that tax year?

[@nickjm4108]

It’s completely up to you. Not sure of the benefit of waiting until the next tax year? Could you explain your thoughts?

[@James-er4si]

Hi Nick, great channel. I was wondering if know why Vanguard only offers the VUSA fund on their platform and not VUAG? Can't seem to find an S&P 500 accumilation fund on the Vanguard site, only the distribution variant, however you can find the VUAG on Freetrade etc?? Many Thanks!

[@nickjm4108]

Hi James, (frustratingly) Vanguard not got offer all the other funds that are out there. Especially when it comes to accumulation. I would love to buy VWRP (the acc version of VWRL) but it’s not available. Hope this helps :)

[@elephantandcastle838]

Great video Nick, and sound advice to younger viewers like yourself :) to concentrate on earning and then investing the proceeds in a diversified tracker, rather than stressing about equity mix. Alas, I may won't be around to see your video in 20 years "One fund for retirement" - so if you were retiring today what would it be?

[@nickjm4108]

Hopefully I can retire quicker than that :P Oooof, good question. I've actually been reading a lot of information about how staying in equities for life could be a better strategy for retirement (if you can hold your nerve and you don't mind being flexible)... need to read more though!

[@wasder1970]

Hey Nick, I am looking to invest in VWRL but I want the growth reinvested automatically. VWRL is a distributed fund, should I use VWRP instead?

[@nickjm4108]

You can do but you can’t get VWRP on Vanguard. The best alternative would be the global app cap on vanguard

[@steviethomas9883]

Hi I have a few questions 1) is they a set amount to put in or what's a good amount 2) how long as it taken you to get this far 3) can you cash out at any time

[@nickjm4108]

1) To start account it says £500 or a direct debit of £100 per month. 2) 4 years. 3) yes

[@vincentriccardi3805]

Hi Nick, Can I have your opinion, I want to invest into the Vanguard Ftse All world UcITS (VWRL) fund. Im thinking of investing a straight £20,000 in one go. My query is do you think this is a good idea to invest a limp sum in one hit and if so should I check to see the performance of the fund to see if its down or up in price, or dosent it matter. I would value your opinion. thank you.

[@nickjm4108]

Hey Vincent. Your choices are either lump sum or dollar cos average. Lump sum investing outperforms 65% of the time compared to DCA. The true question is your tolerance to risk. If you’re too unsure about current prices then DCA. If you’re young and will be investing for 30 years then you’ve got plenty of time in the market not to worry about it tbh. If I had £20k now I would lump sum ( but then again, 20k would only be 20% of my portfolio). If it was my first £20k I would probs DCA, especially if I was new to investing. This is just what i would do, you’ve got to find what suits you :)

[@kezbanana8327]

Any thoughts on JP Morgan Emerging Markets? I’ve got a small pot in this fund and it’s very volatile. I’m almost certain I’m going to pull out of that one.

[@nickjm4108]

Why are you invested into it?

[@kezbanana8327]

@@nickjm4108 was on a recommended wealth shortlist.

[@mickleggett]

Hi. You mention that this fund has only 15% in US. Surely there's also the 19.5% in the US equity index fund plus a % of the developed all world index taking it up to 45+% in US stocks or am I misreading it?

[@nickjm4108]

Yes that’s correct but my conclusion was that it’s still a scuffed global etf (over weighted to the UK)

[@sarge7078]

Why do you hold VWRL over any of the LifeStrategy funds?

[@nickjm4108]

1) You can discount 4 out of 5 Life Strategy funds as they include bonds 2) Life Strategy 100 has 4 times the exposure to the UK than in the real world which isn’t what I want.

[@sarge7078]

@@nickjm4108 thanks! Do you think however that the accumulation aspect of LifeStrategy that VWRL doesn't have could help counteract its UK bias?

[@nickjm4108]

@@sarge7078 accumulation doesn’t change anything. It just means that dividends are automatically invested. I manually reinvest mine. I’m not confident that one will outperform the other, I just don’t want any biases in my fund.

[@xB-yg2iw]

VWRL has tanked in the last day or so, any idea on the reason?

[@nickjm4108]

Going to get another portfolio update out on Sunday. But to answer your question, the FED in the US have significantly changed its outlook. They are going to start unwinding their balance sheet (will explain more in the video) and are signalling potentially 3 interest rate hikes

[@1TARANPREET]

Hi Nick Could you pls tell me how much roughly you pay in charges( fees)every month on this amount of investment?

[@nickjm4108]

Oooft not sure. Are you talking all charges including hidden ones? Or charges that you actually pay for?

[@1TARANPREET]

Thanks for reply,just the actual charges you pay every month like service charges and ongoing charges to use vanguard platform.I just I am investing with elevate platform through an advisor ,I am pay 0.20% to elevate and 0.75 to advisor every month.Which seems bit high to me.I am thinking of transferring my isa to vanguard.

[@sanjirosanjiro6529]

Great vids Nick, ur comments re we can never time the market, I've got abt 60k in cash Isa being eaten away by inflation >5%, shld I bite the bullet and transfer to vanguard (which is my intention anyway) even though unit prices are much higher than 12m ago. I appreciate things may drop after I tfr and its a long term 5-10yrs min thing, but just can't help but feel I'm buying at much higher price per share now, shld not worry abt past as if I continue to leave it in cash isa it will erode a further 5.1% anyways due to inflation, what re ur views?

[@nickjm4108]

Hey Sanjiro - if you’re torn then your best bet is to dollar cost average into the market. Personally I don’t like holding cash even when inflation is low!

[@sanjirosanjiro6529]

@@nickjm4108 Thnaks Nick you're a gentleman, I'm gonna transfer and let the chips fall as they may as I will add to this on a monthly basis so that I benefit from the overall smoothing effect of pound cost averaging. If I don't make a move now when will I, besides with next to zero interest rates esp on cash isa and high inflation, my alternatives to stay in cash remains bleak. I went on an inflation calculator and discovered that if I kept it in cash for just over 10yrs assuming inflation remained above 5%, it wld go down by half in terms of its buying power, so I'm convinced now to move come what may.

[@OKOLATSIS]

Great video. I live in Europe is there an alternative to Vanguard for non US and UK customer?

[@nickjm4108]

You should be able to access Vanguard in most of Europe? Where do you live?

[@OKOLATSIS]

@@nickjm4108 I live in Cyprus. I can access the site but it states it's for UK residents only.

[@nickjm4108]

@@OKOLATSIS that's a shame. Looks like your options are interactive brokers, saxo bank, XTB, etoro and capital.com

[@mattbarton2029]

Can somebody please explain to me the concept behind only buying full shares, which I believe is the case with VWRL. If I have a regular payment of £200 per month, and a share is £140 (for example), I know that £60 sits as cash in my account, but what do I do with it? I’m struggling to get my head around it and would really appreciate some advice! Great video - subscribed

[@nickjm4108]

Hey Matt - your thinking is correct. You can't do anything with the cash unless you buy a fund where you don't need to buy a full share (mutual fund) or you buy someone else which has a unit cost of under £60,

[@mattbarton2029]

@@nickjm4108 Really appreciate the response, thank you! 🙌🏻

[@nickjm4108]

@@mattbarton2029 No worries

[@Niptittude]

I have one investment. Should I move my lifestrategy 80% risk to the same as yours?

[@nickjm4108]

I can’t answer that if I’m honest. You need to ask yourself if the fund you are using is right for you, if it it’s not - find a fund that is

[@indexfundreviewuk6888]

How did you decide between FTSE All-World UCITS ETF and FTSE Global All Cap Index Fund?

[@nickjm4108]

Did a podcast on making money simple if you want the full version but TLDR: it’s cheaper

[@nonidell9764]

Hi Nick, I am contributing £500 per month to my S&P 500 For almost 2 years , I only intend to do this for another 3 years, and just plan to sell by 2030. By then I’m 60, I know I started late, but I have othe invest ments in stocks shares and cryptocurrency. What’s your opinion me selling it in 2030?

[@nickjm4108]

Hey Noni - what opinion are you after?

[@nonidell9764]

The total percentage accumulation and calculations . Thanks Nick.

[@crimsonpirate1710]

Speak with a financial adviser for gods sake. Not a youtuber. That goes for the lot of you!

[@bear.to.viking]

Glad your portfolio is doing well nick, what do you think to the new sustainable life funds :) ?

[@nickjm4108]

Hey Dean - Few things, one I wouldn't be interested as they hold bolds, second I can't say I agree with the principle of ESG funds, if you are so concerned with who you invest in, then just pick the companies yourself (I find it hilarious these funds hold nestle which just undermines it all) and lastly, choosing ESG over other funds thinking it'll perform better is also flawed to be honest! In a nutshell, not for me and I would have some interesting questions for individuals who buy them. Maybe I need to do a ranty video about it so I can go into more detail :P

[@Marenqo]

I think someone did a video on them. It would be good to explore more sustainable green alternatives. I don't think such a video has been done for UK audience

[@nickjm4108]

@@Marenqo on ESG funds?

[@Marenqo]

@@nickjm4108 yes, I remember someone reviewing esg funds from vanguard, they were sceptical as well. A video or even series on green investing seems topical and timely. Beyond ESG probably. Then again, it's a big commitment and maybe not even in your interest. I'll watch, though

[@steviethomas9883]

Hi I'm a 24yo how would I start investing where do I go how do I start I'm not bothered about the end target I just want to no I have money for the future so I stopped in 10 years what would the total be? Say £50 or £100 a month

[@nickjm4108]

Between £10k-£20k based on 9% per year

[@gerry2345]

I like this vid... Good insight. I agree with you.. You are a busy person one fund makes sense to me.

[@nickjm4108]

Cheers Gerry! Certainly am - was up until 1am last night packing dog treats 😂

[@omolash]

I have used up my ISA for this year. Can I still buy a VWRL with new money or must I now wait till the new tax year? In other words, is the VWRL counted as an ISA? Please help!

[@nickjm4108]

Hi Ola - if you’ve maxed your ISA for this tax year and you wanted to buy more, you would have to buy more in a general account (where you will be exposed to capital gains and dividend tax)

[@omolash]

@@nickjm4108 thank you. You're exactly right.

[@sandramcmahon1543]

Spot on Nick 👍🏻 I’m just in the FTSE Global All Cap

[@kieranpatel2188]

Esg? Or the index fund?

[@rob-s9482]

Where have I been ? Good question.. im just starting to invest in the stock market, browsing KZbin looking for advice. Great video, very informative. Subbed, Liked

[@nickjm4108]

Thanks Rob :) Anything in particular you would want to see?

[@rob-s9482]

@@nickjm4108 I just have some extra income id like to invest monthly for the long term really so was just looking for some guidance really. Ill have a browse through your content. Thanks Nick

[@Jubair194]

Amazing video, thank you! We all wish we started investing earlier

[@nickjm4108]

Yep / we all do!

[@itsmesaltax]

Thinking of moving to Vanguard from Hargreaves Lansdown just for that over time chart alone. HL is very much about the "now" with no visualisations of historical performance. Shame.

[@nickjm4108]

Can’t say I’m a fan of HL. Vanguard are dinosaurs from many points of view but HL are just clunky (and very expensive for smaller investors!). People could say I’m biased but I’m not sponsored by them in any way

[@MrJasonmkennedy]

I keep hearing that managed funds have fees, e.g. 1%, which make them not worth it, compared to a simple tracker funds that might have fees of 0.1%. but looking back over the past 20 years this doesn't make sense to me. The mutual funds seem to do way better, even accounting for fees. Not sure what to make of it.

[@nickjm4108]

What data are you going off?

[@MrJasonmkennedy]

@@nickjm4108 On Morningstar Website, “Baillie Gifford American Class B Accumulation” is a managed fund: If you click on “Advanced graph”, you can plot back until 1997. It gives a percent option view or a cash value view of how £100 might grow. From 1997 until 2022 the £100 would have increased to approximately £1800. You can also plot the S&P over this time period. The S&P index over the same period would have grown £100 to about £600. So it appear there is scope for a higher fees with the managed fund compared with an index tracker and you’d still be better off. I might be mis interpreting things, but that’s just how it looks to me at first sight.

[@simplydividends]

Nice an simple. I like it. I'm majority Global All Cap

[@nickjm4108]

👊 I think global all cap should be the go to more most investors tbh

[@Mattiasje]

I agree there isn't much point having various funds. However, it's not necessarily as harmful as you make it sounds either (and doesn't have to be time consuming). Anyway, I chuck everything in the 100% lifestrat acc, easy enough

[@nickjm4108]

Fair shout - the principles stands the same though 🤗

[@NoNonsenseJohnson]

I find it astonishing when people justify buying into their funds during crashes. I save money aside purely for these times 😅😅. Consider it a sale! (That’s no dig at you it’s, something I picked up on most investors.) As warren buffet said. Be fearful when others are greedy and be Greedy only when others are fearful. I buy regardless.

[@alexl5900]

Why not invest in S&P 500 which are essentially international global companies anyways with higher returns

[@nickjm4108]

Loads of reasons 1) not higher returns. Depends what time period your look over 2) what happens if the US gets nuked by China 3) what happens if the US changes a load of its policies to be anti business. I’m already like 60% US. No reason to be less diversified

[@tmilsted]

I agree with your thought process I however really enjoy carrying out the research and trying to find a “multi bagger” I had this early on with Tesla and continue to reap the benefits however everyone is different can’t argue with just buying the S&P500. But bare in mind that such funds are being propped up by 10 Blue chip stocks I.e. Alphabet and Apple…

[@nickjm4108]

I understand stock picking from an enjoyment aspect but the data doesn’t stack up when it comes to justifying it for outperformance. Being heavily weight in a few companies doesn’t mean much - just means they are bigger businesses 🤷‍♂️

[@tmilsted]

@@nickjm4108 for now I’m young enough (under 30) and been in the market over two years to be able to pick my highest conviction stocks and let them run maybe as the portfolio grows to say £100k+ plus I will look to have say 50% on the S&P500 but takes my enjoyment out of investing for me personally

[@8G00SE8]

I agree with you, I seriously don't get the Vanguard 100% equity fund over the Global all cap or all world index. If you look at the allocations on Hargreaves Lansdown 100% equity has 16.59% of the fund invested in Ireland as well as the UK bias, that's more than China, Taiwan and Japan combined in the Global all Cap just in Ireland. These decisions are straying well away from the All World/All Cap indexes to the point where it is no longer passive investing but active fund of fund managing.

[@jimspencer6677]

Many complaining about UK bias, but theyve outshines the US funds lately asnthe S&P500 dips. Will it crash this year?

[@nickjm4108]

Nobody knows!

[@justinbartley5245]

All in with tesla.With almost certain multiple stock splits rest of this decade,bar any black swan event, should result in out of this world returns.Finally,its technically like a etf, the sheer number of different revenue streams down the line it has,with transport,energy,AI/robotics,software the main aspects.

[@nickjm4108]

Good uck Justin - you should just like one of my mates. You don't happen to be actually called Michael :P ?

[@elephantandcastle838]

I think you mean it has some diversification, but all in jam tomorrow is not diversification to me. Depends what your future investment horizon is, your attitude to risk, and at what price you went "All in". If Elon turns out to be the next Bill Gates, Jeff Bezos or Steve Jobs my name is Albert Tatlock.

[@robertdeeley4891]

Tesla very highly valued compared to Mercedes or BMW. I recommend AAPL and MSFT which trade at more traditional multiples and are growing fast

[@martinjarvis8312]

Here here keep it simple, vwrl is worldwide coverage one can’t go wrong

[@dantalksmoney3310]

I'm guilty of sweating the small stuff sometimes, although I do only have 1 fund in my Vanguard account. Love the 3 headed dragon pic btw 😂

[@nickjm4108]

Haha - thanks Dan. Love it when I good ole meme comes in handy

[@tmilsted]

“Diversification is protection against ignorance,” Buffett famously says. “It makes little sense if you know what you're doing.”

[@nickjm4108]

First part I agree with, second part is flawed for a lot of reasons.

[@NikeetShah]

Does that really apply here though?

[@fasthracing]

Which Vanguard fund for income?

[@nickjm4108]

Hey Fast - To clarify, what fund would I look at if I just wanted it to produce an income?

[@fasthracing]

@@nickjm4108 Yes please which vanguard fund?

[@jroobz]

I’m starting my investing journey now at 35. And yes, I’m stressing about picking a perfect etf 🤦‍♂️

[@nickjm4108]

Well done on getting started. No need to stress

[@NoNonsenseJohnson]

No such thing as a perfect ETF. And why an etf ? Just pick a global fund with low fees from the like of vanguard, fidelity, blackrock etc. Don’t stress over minor details and focus on earning more money to invest.

[@martinmorris5562]

Like the channel but hey why not 100% into sp 500. 30% on vanguard this year.

[@edcrosby8269]

No exposure outside of the USA. Less diversification means lower risk-adjusted returns in the long run

[@coolmaan507]

0:54 is accurate😂😂

[@nickjm4108]

😂

[@superbdiamondrange]

I’m all in one fund VWRL it’s all you need for equities. To quote Lars Kroijer: You would therefore be claiming to see an advantage from allocating differently from how the multi-trillion dollar international financial markets have allocated. Rational investors who accept they don’t have edge should therefore simply buy the global equity market.

[@nickjm4108]

Love it

[@nameundefinedname5307]

thank you for this video! was just thinking the same thing, when I was looking at other UK KZbinrs portfolios... why do so many seem to double up... makes no sense to have the FTSE 250 and VLS 80 and the s and p 500.....

[@nickjm4108]

I'm sure they have their own reasons :)

[@nameundefinedname5307]

@@nickjm4108 I don't think they do :) when pressed they say they don't know why

[@K23386]

Very elementary ideas. S&P500 fund has significantly lower expense vs LS 80 or 100. LS has more allocation to UK vs other developed markets including US. If you want to allocate more weight to US, you will hold both. And on individual stocks vs fund - you don't do it for 1% but for bigger difference. You seem like beginner investor and your portfolio (1 fund) may at best be average (or below).

[@nickjm4108]

We have different philosophies on investing. I just go off the stats which show most stock pickers fall short of the global averages due to a mix of reasons. If elementary means more people getting better returns then in all for it.

[@maino9752]

I struggle to see why this index investment is better than an s&p 500 one. Yes it is more volatile, but even when it dips historically, you are very rarely better off in the all world index.

[@nickjm4108]

Look at the S&P in the 80s and 90s!

[@maino9752]

@@nickjm4108but didn’t the rest of the world follow the same pattern?

[@nickjm4108]

@@maino9752 nope. If you go back far enough, Japan was the place to invest at one point

[@maino9752]

Actually the 80s and 90s look pretty good to me for the s&p 500! But I take note. Higher diversification is safer.

[@ScipioAfricanus809]

Why VWRL over Global all cap? 0.01% more cost for much greater diversification.

[@nickjm4108]

The actual cost different is more like 0.1% when you factor in the hidden fees behind the scenes. For me, I prefer the reduction in cost over having small caps :)

[@Paulie44]

@@nickjm4108 I would’ve thought Vanguard’s Global All Cap would be a safer bet due to JPMorgan predicting China’s economy will overtake USA’s economy by 2028. Whereas VWRL has only large and mid-cap holdings, with no exposure to emerging markets. What are your thoughts on this difference and could it entice you to switch from VWRL to Global All Cap in 2028?

[@rustypipe]

E Toro ripping off so many young unexperienced investors. I'm looking to close my account once I'll get at least what I have invested and put all money i to my ISA Van LS60 and S&P500

[@nickjm4108]

Why do you think they can afford soo many adverts 😂

[@Datapoint90]

You misunderstand the data. Outperforming the market is hard when you take the fees into account. There are many hedge funds that beat the market over the long term, but due to their fees, their customers dont get to enjoy that outperformance. But if they were to invest for their own account they would definately beat the market over the long term. But of course it is hard, as it should be.

[@nickjm4108]

Yeah I could have been more clear on this but 1) the principle is still the same and 2) individuals do not have the resources that hedge funds do to make this possible. There’s also the point that people jump in and out of hedge funds which means they rarely see the returns of the hedge funds do (e.g Ark invest)

[@solsouthgate5079]

So much talking and so little direction. Just tell us what YOU do and why! Video starts at 7.41 my guys. My advice Nick, seeing as you might need it! (6k subs) START ALL your videos with the absolute bare bones, most important / specific info, then go on to explain everything in detail / deep dive. This is really good way to one, gain interest but also subscribers. As I'm willing to bet money most of the people that stumble upon your videos are just like me and have fuck all knowledge (and attention span) so being bombarded with so much info when you don't have a clue what it means is really off putting. Hope that's useful feedback and thanks for taking the time to make and post your videos.

[@nickjm4108]

Hi Sol - appreciate where you’re coming from but equally, you can’t argue with the numbers. I agree this format shouldn’t work but it does. It pulls the most views for my channels and the most subs. As it stands this is my 2nd most successful video to date. Hitting the right level of information is also hard. If it’s too basic, people get bored. Equally, if it’s too high level, people will leave. Take your feedback on board but equally, why would I change the format of my most successful content? What would you do? (Unsure if you have a channel/have experience creating content on KZbin)

[@PrettyPennyClub]

Good man, Nick. Sound reasoning in here. Total looking good 👍

[@danveneri]

Hi Nick, new subscriber here. You are just about to hit 5k subscribers but I'm sure you will hit 100k in no time! Really good video and thank you for sharing it. I personally invest in the FTSE global all-cap index fund accumulation. Would you be able to make a comparison video to the FTSE All world? Big up

[@nickjm4108]

Hey Dan - Thank you :) Looking for global all cap vs FTSE All world?

[@danveneri]

@@nickjm4108 Yes pls. If you can compare these two funds. Pros and cons of each.

[@nickjm4108]

@@danveneri Funny you ask this, I actually did a podcast with Ryan from Making Money Simple last week (should be out in the next week) where we discuss just that. I will make sure I put a link out on my socials :D

[@danveneri]

@@nickjm4108 Amazing. Good timing ;)

[@TheRicksta87]

FTSE Global All Cap and VHYL for me Nick. Enjoy your content keep up the good work!

[@nickjm4108]

Thanks Rick :D

[@cmnhl1329]

He does a single fund. I do a single stock. BrainChip ftw

[@nickjm4108]

When did you buy in?

[@Jeffybonbon]

dont time a market its time in the market

[@nickjm4108]

100%

[@paulbeaven3294]

Just found your channel, I'm new to investing, but thanks for the honest advice from you! X

[@joshuat1535]

A lot of people putting in the time watching tiktoks for the next moonshot stock/crypto aren't aiming for 1% ahead of the market. Your thought experiment is unfortunately lost on them.

[@nickjm4108]

They are too far gone 😂

[@iandavies9154]

63% of VWRL in US based equities so you are getting VUSA plus a bit if diversification for over 3x the annual charges. If the S&P crashes then VWRL will crash, that is guaranteed as the US ecomony drives the world economy. VUSA outperforms VWRL as it is held back by countries like the UK that underperform long term.

[@nickjm4108]

Yep - but equally, if it was around in the 80s/90s then it would have been held back by the US as the US at that point was underperforming

[@iandavies9154]

@@nickjm4108 Possibly, but with 63% US weighting VWRL is very strongly correlated with VUSA. It is not worth the 3x the costs for very little diversification.

[@nickjm4108]

@@iandavies9154 Not sure if your point Ian. I agree with everything you say, I want my fund to represent the world economy. So if 63% of that is contained in the US then I’m happy with that

[@iandavies9154]

@@nickjm4108 VUSA and VWRL were both created on 22/05/12, since then VUSA would have returned about 320% and VWRL about 200%. Is that difference worth a bit of diversification to you?

[@nickjm4108]

@@iandavies9154 you’re getting hung up on past performance. As outlined in the video, I don’t try to play the game of ‘trying to outperform the market’. Diversification isn’t having an equal weighting for each region, it’s weighting by its market cap. If the US is ‘over valued’ then so be it.

[@geehothi4318]

The funny thing with all time highs, is that there’s always another all time high to supersede it.

[@nickjm4108]

100% Gee

[@maltesetony9030]

At this rate, you'll be a millionaire by the age of 150!

[@nickjm4108]

More likely by 48 :)

[@maltesetony9030]

@@nickjm4108 Good luck with that one!

[@stephenharrison3051]

I prefer Fundsmith Equity

[@nickjm4108]

How come

[@stephenharrison3051]

@@nickjm4108 Take a look at Terry Smiths strategy and you will know why.

[@nickjm4108]

@@stephenharrison3051 just had a quick google. Does it has an annual charge of the 1.43%?

[@stephenharrison3051]

@@nickjm4108 Yeah but the returns over the years make up for it

[@stephenharrison3051]

@@nickjm4108 I use AJ Bell

[@adamnewell2310]

1st

[@dextersfootball]

You're missing out on bigger gains holding just this etf. its got a lot of tech which will hurt you in 2022. You only need to spend 30 mins a week rotating into other better performing elf's. I use sharepad to compare/find the best performing elf's and switch to better performing ones. Right now you would be better off switching to a world value etf. This has been outperforming your etf for several months. Buying one fund and sticking your head will not work well going forwards.

[@nickjm4108]

Completely disagree. If it was that simple, everyone would do it. There’s no magic bullet so I’d rather just track the market

[@dextersfootball]

​@@nickjm4108 Not saying it's easy. It requires a bit of work, experience, knowledge and an ability to be nimble. Tracking the market will not lead to easy gains in 2022, as the fed is not going to be propping up the market.

[@nickjm4108]

@@dextersfootball It's long term though so I'm not bothered by it's performance over the next year or even 5. I say this with a lot of respect, if you were that good at it then you would be a multiple billionaire with a hedge fund. All the data shows the vast majority lose to the markets.

[@dextersfootball]

@@nickjm4108 You don't need to be a multi billionaire hedge fund manager to make sensible decisions about rotating your portfolio. I note the top 10 stocks in your holding are all tech, so the fact that you don't care about your performance over the next 1-5 years should hold you in good stead.