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

Are Vanguard funds in a bubble? Or part of a wider bubble at least?
Well in this video, I wanted to explore the very reasonable argument that index funds are in a bubble. Is this even possible? Well, I look at all the data to verify the index bubble claim to see how true this might actually be.
Of coures, I will wrap up with my monthly update on my Vanguard portfolio to show you transparently all my gains and loses.
Enjoy
//Support the channel//
Patreon
/ nickjm
//My Chosen Investment Platform//
Vanguard
www.vanguardin...
//Crypto Trading Apps//
Free $25 in Crypto just for signing up & verifying on Crypto.com NO DEPOSIT REQUIRED
crypto.com/app...
​​​​​
//Recommended Books//
The Millionaire Fastlane by MJ Demarco
Unscripted: Life, Liberty & the Pursuit of Entrepreneurship by MJ Demarco
//Social Media//
Twitter / nickjm_youtube​​​
Instagram / ​​​
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, FTSE ALL-WORLD UCITS ETF, vanguard uk, portfolio update, vanguard investments, my vanguard portfolio, vanguard portfolio update, NickJM, vanguard, vanguard uk portfolio uk, vanguard isa uk, vanguard index funds, vanguard 2022, vanguard selling, damien talks money, chris palmer, sasha yanshin, money unshackled, investengine, investengine review, is investengine good, investengine app
HASTAGS: #VWRL#VANGUARD #INVESTINGUK

[@Dd-fb2tj]

Just started investing this year with the FTSE all world and your videos have been constant inspiration so thanks. Have so far lost money and that is surely always a test for anyone starting-there are no guarantees, but in it for the long haul. Cheers.

[@christines5430]

Thanks for another excellent and informative video Nick. I appreciate late your rigourous research. Continuing to invest monthly into ETF's in my Vanguard ISA, whatever the current economic climate.

[@nickjm4108]

Thanks Christine 😊

[@00el04]

Keep up the good work on your monthly portfolio update Nick!

[@nickjm4108]

Cheers buddy

[@rodofgold1394]

Great vid Nick. Do you deposit into cryptos monthly also as you do VWRL?

[@nickjm4108]

Hey Rod - I dont. I covered this in my video ‘my investing plan for 2022’ 😊

[@harbster2]

Thanks for the video. I sold half of my 3 Vanguard funds last month and I'm sitting on mainly cash at the moment as I'm expecting the market to go down in the short term. But what do I know. I'm no economist, I'm just an average numpty with an interest in investing. I see many economists on KZbin saying that the market is currently in a bubble and is due for a big correction. Who knows !

[@nickjm4108]

Yep - who knows!

[@alett88]

Hey Nick thanks for another informative video, really love your directness in explaining things. You've probably said this already but just wanted to make sure , are you still putting money into your single fund during these scary times? Also, how do you " protect" your investments when you just have a single fund? I keep hearing people say " you need to protect your investments during market corrections" what does that translate to in tangible terms for us with a single fund? thanks again Nick.

[@nickjm4108]

1) Am I still putting money into my fund at these scary times - Yes. 2) How do you 'protect' your fund - You can't. This term only applies to people who activately manager their portfolio. Got a video about the recent market correction coming on Sunday hopefully :)

[@alett88]

@@nickjm4108 thanks so much for the answers , feel better already

[@harshilpatel684]

Curious to know whether pension funds have evolved to also use index trackers or if this was always the case? Would've thought those through pensions would make up the bulk of index investors?

[@nickjm4108]

Oooooo - very very good question… I’ll have to look into that

[@harshilpatel684]

@@nickjm4108 please do, will make an interesting video! Would've thought back in the day pensions likely had their own teams looking into which stocks and active/passive funds to focus on depending on risk profiles and time horizons, however now they very much just use an approach like the Vanguard life strategy where they define a simple split of equities and bonds and the equities comprise of a global index fund, perhaps with another UK tracker and that's the extent towards they think about it. Another suggestion for a potential video in this space would be to know how the amount saved by the average person in pensions has continued to rise over time, how the average person should be considering separate isa savings alongside their pension (which are both being invested in similar vehicles), I for one have no idea how much of a pension I've built up in the few years I've worked but do keep track the value of my Vanguard Isa and HL LISA portfolios on a regular basis.

[@Indowaindowa]

Trillion by Robin Wigglesworth.. I remembered he spoke about how pension funds were quick to take onto index trackers, real estates etc

[@sandramcmahon1543]

Great insight Nick I’m in S&P 500 and a bit of global all cap despite some overlap 👍🏻

[@nickjm4108]

Over lap is okay if you mean it 😊 just means you want more exposure to a certain region while having a broad base usually

[@Sabhail_ar_Alba]

VWRL( current price £85) is biased towards the S&P 500 (~15%) which is down 10% YTD and probably won't increase until US inflation is reduced. I'm currently wondering whether to invest into gold given the state of the global financial system which in my opinion might even be worse than before the Dot Com crash.

[@nickjm4108]

Let’s see - just working on a video looking at bear markets and mapping out how long we might be in this hole for

[@darrunn]

Aren't you dca investing if you're investing monthly 🤔

[@nickjm4108]

Nope - dollar cost averaging is having a lump sum of cash and purposely spreading it out across a time period. As soon as my salary hits my bank each month, I invest it. Looks similar to DCA but very different 👍

[@M8d9R]

I DCA into VRWL. If there is an index fund crash, then I keep DCAing. Therefore if I'm blind-buying companies expensively now, then after said crash I will be blind-buying companies cheaply. For me, it still seems to be the case that as long as you have time on your side, then passive investing remains superior to active in terms of costs and returns. I have used active funds in the past (on advice), you have to ask yourself if you're comfortable with giving away anything from 0.5 - 1.5% of your returns. Personally I'm not, if there's a big question mark they can even match the market consistently let alone outperform it by more than their charges. A lot of active funds sit on their positions for long periods of time as well - essentially a passive fund, active in name only, charging you 3x - 5x as much for the same thing, with less diversification and the risk of biased humans involved in with decision making. Think what it would actually take for VWRL to crash as well lol. Literally the biggest 3800 companies in the world all tanking, regardless of sector, geography, politics and whatever other factor. Anything over a 20% correction in value in VWRL would require a truly colossal event, and checking our ISAs will probably seem less of a priority at that point. In that situation, are active funds going to be in any better shape?

[@nickjm4108]

Great response - thanks for taking the time Matthew 👍

[@M8d9R]

@@nickjm4108 thanks for making your videos. It's awesome seeing different angles on VWRL I hadn't thought of. 👍

[@nickjm4108]

@@M8d9R one of the primary reasons I now make KZbin videos is the fact that went I search VWRL - nothing came up 😂

[@adelmomandia5216]

What's your thoughts about have VWRL and VOO together in a portfolio? Thank you

[@nickjm4108]

It’s not for me as I would be over exposed to the US but if that’s something you want (some people do) - then go for it 😊

[@taggthis]

I invest in vanguard global all cap and I have noted that my portfolio has gone down by a few pounds. I heard stock is down a little and I only started investing - just my luck!

[@nickjm4108]

You’re most likely to be in the red at the start of your journey. Time is your friend

[@dangower7392]

Wonder why VG do not do the VWRP on their platform.

[@nickjm4108]

🤷‍♂️

[@spyknife]

I dont like vwrl. It's more than 50% invested in major u.s. stocks. I personally believe us stocks are overvalued and will fall in 2022 and 2023 thus knocking down the value of vwrl

[@nickjm4108]

Fair enough

[@mrlolmaster1019]

I yolo into VUSA, the zulu word for Excitement and fire, brought to you by Nandos.

[@lukaluka3740]

Hi Nick ! How can I get in touch with you?

[@nickjm4108]

Instagram

[@gf6966]

I followed your advice a year ago, bought VWRL and it didn't grow at all I'm doubting about if Vanguard is a good platform to put money in. I'm disappointed

[@nickjm4108]

1) I don’t give advice 2) If you expect to be instantly up on your investment within a 12 months then you are setting yourself up to fail. I personally was in a £3,000 loss 2.5 years into investing. Need to have a long term mindset. EDIT: why are you doubting vanguard? 🤔

[@gf6966]

@@nickjm4108 maybe I have to be more patient. Then 2021 wasn't a year to buy as everything was at the top, my fault.

[@nickjm4108]

@@gf6966 investing is all about being calm and not panicking. No one can predict the future of the stock market but all the evidence shows growth over the long term. The long term being 5,10 plus years

[@robhindle8735]

Nick is right here - hold the course, keep investing in a broad low cost index fund and let us know if you’re still down in 15+ yrs time

[@jackfitton336]

Out of curiosity what exactly where you expecting in 1 year? 😅

[@FortunePodcast]

I’d pull some of that out and diversify into something else like property or bonds

[@nickjm4108]

I’m sure you would 😊

[@gordonjames8233]

Loving the Everton dig. Trillions by Robin Wigglesworth coveres Index funds and their impact on the market really well.

[@nickjm4108]

Wasn’t sure if anyone was going to catch it! Interesting - thanks for the heads up

[@gordonjames8233]

@@nickjm4108 I'm a Liverpool fan. But I reckon you'd like both Merseyside teams down there really.

[@nickjm4108]

@@gordonjames8233 🌝

[@pelocitdarney5718]

We need a new index to invest in, of companies that are expected soon to be incorporated in an existing index.

[@nickjm4108]

Haha true

[@spyknife]

Vwrl will only keep going up if the US market continues to grow.

[@nickjm4108]

Well - that's not technically true. Yes, it's highly weights to the US but the global economy is highly weight to the US. The US can stay flat and the rest of the word could grow

[@jimspencer6677]

The biggest issue is money printing, net zero and insane sanctions on Russia, all acts of self harm by our useless government that will wreck our investments/pensions

[@nickjm4108]

Hmmm - not sure if I agree. If it’s effecting everyone the same… are you really worse off 🤔 Saying that - there’s clear evidence that QE benefits the rich

[@jimspencer6677]

@@nickjm4108 If you don't think that rise in food, petrol, 200% increase in energy bills, water, council tax makes me worse off you're reporting on the wrong subject ffs

[@nickjm4108]

@@jimspencer6677 inflation has been a thing since the start of time. You will also notice you’re earning a lot more than you did 10 years ago. I’m not saying it isn’t going to be painful but wages will catch up

[@jimspencer6677]

@@nickjm4108 No. No, I get you, 30 something, wokie cokie, cant accept the situation has been engineered by bad decisions, yes inflation has been around a long time, there's a reason for it. I was making a lot more money 10 years ago, a lot, and theres a reason for that too

[@nickjm4108]

@@jimspencer6677 what would a good decision have looked like? Not printing money and pushing us into a virtual recession on top of a pandemic? Letting Russia invade with no consequences? Appreciate the negative consequences of these actions but I’m not sure you’ve thought through the consequences of inaction.

[@adamnewell2310]

1st

[@richardheart3422]

Thanks for your comment, i will look into that. Endeavour to reach out..👆👆👆👆..

[@jackstamford9937]

Everton Lol

[@nickjm4108]

😂

[@giorgioc8263]

Mala tempora currunt

[@nickjm4108]

Eh?

[@giorgioc8263]

@@nickjm4108 Latin quote from Cicero “Mala tempora currunt sed peiora parantur, that is “bad times are upon us but the worst has yet to come”.

[@giorgioc8263]

Well maybe get rid of the second part of the sentence…let’s be optimistic

[@nickjm4108]

@@giorgioc8263 😂