Vanguard Portfolio Update - Stocks & Shares ISA (February 2024)

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[@ChippingawayatOCD]

Love the way you do it Toby. Cool and calm pro 👍

[@turner1622]

Really appreciate the content Toby, it keeps me well informed. Have a great Sunday.

[@TobyNewbatt]

Cheers buddy!

[@VegasMilgauss]

Look out for Vanguard offering a lifetime ISA in the next few months. Let’s just say, I know a guy.

[@DogScreenTV]

Outstanding👍

[@neilmcgarrity178]

Does your guy know if they are going to do a junior sipp?

[@adrianl5899]

​@@neilmcgarrity178Unless they charge no platform fee in the event they start offering one, may as well hold Junior Sipps at Fidelity given funds from Vanguard (and others) incur no platform/buy/sell fee.

[@Mass1987]

I had to open a Lisa with aj bell dodl because they didn't. If they open one I will move it there for sure

[@Eul8551]

Any news on the app? Haha

[@_mklein]

I didn’t know about different ISA accounts! That’s great!

[@chqshaitan1]

great video as ever bud, keep up the great work

[@valerienewbatt9678]

Very good video, as always Toby

[@Cherpontcarp]

The only You Tuber who talks common sense in his videos, keep up the good work.

[@bionic909]

Can you do a video for new pension investors in their 50’s

[@Trinity-wear]

Yeah!

[@TheGeordiePig]

Always love the monthly updates! So glad I continue to DCA into VUSA/VWRL/EQQQ and not listen to all the noise! One of the best on the British scene Toby! :)

[@TobyNewbatt]

Thanks buddy :)

[@getnyrb]

Thanks for your youtube videos. As a result 18 months ago I started using Vanguard. I have made a fantastic returns. Cheers.

[@TobyNewbatt]

Good luck, it can easily go the other too but i'll be here for the journey :)

[@ba5ilfawlty]

Great content as always. Always simple, well explained and helps to educate :) i'm umming and erring on two things. I currently buy stocks on freetrade, but not in the ISA due to monthly charges. Tempted to open up an ISA with T212 after april 5th. ( my invest engine isa was 23/24). How good a platform is it, and am i best using my FT GIA for now and opening a different ISA for 24/25? Cheers Toby, any advice or pointers would be great

[@wonderingthoughts926]

Great video! I’m eager to see if they do allow the ‘multi ISA’ concept, it has always seemed daft that you can’t just use your max £20K. My current platform doesn’t allow fractional shares, but so sometimes my monthly plan means I end up missing a total share of something by a few pounds and I end up with large parts of my monthly investments sat in cash. Annoying! I’ve stuck with them though as I like them overall as a customer, but would be good to be able to add to a different ISA on and off within the same year.

[@anthonybrown4874]

Cheers Toby more competition the better and while I admire the simplicity of your Vanguard portfolio I am not sure the world all cap is the only way to go I prefer to back a couple more horses in this race and the charges could be a lot lower.

[@peterwstacey]

Not going to lie, every time you said "Anything can happen", I thought of Stingray's "Anything can happen in the next half hour!". Which is a good description of the stock market, actually...

[@kirubalan]

Hi Toby....im your channel fan which i always follow...im from Malaysia....i want to know based on your observation...how much average return u get in a year as of now in term of %...

[@amyk9813]

After following your advice, my Vanguard ISA is up 17%! Considering I'm still very much a newbie, I'm very pleased with that. Thank you!

[@TobyNewbatt]

good luck Amy, remember it could have also gone down too. In the short term anything can happen but I'll be here along the way

[@amyk9813]

@@TobyNewbatt oh yes it did massively to begin with. Down something like 20% but again, I just followed your advice and stopped looking ☺️ really appreciate your videos!

[@seamusmurphy9415]

Really great content thank you as someone who is just starting out investing . I am currently just investing in the vanguard S&P 500 myself now just doing that or what is the best way thanks in advance guys

[@jimmy_bolts]

Hi Toby, love your content. Any insight of how you think the rules will change re employers paying directly into SIPPs from April?

[@kw8757]

It would be good if Tony did a video on this.

[@TobyNewbatt]

I'll keep an eye on this and add to the great video ideas from you guys thank you

[@mrnaktis]

Love your Videos (and prefer them to the others available). I have few questions regarding S&P500: 1. if S&P500 is so popular and owned by many - doesn't it just artificially increase the prices of Company shares in the top 500? 2. Is there an index for i.e. 250 companies in the bottom half (or from i.e. 200-300 :) ) of S&P500 and how does that perform? 3. Does the share price artificially goes up in the short period if the company makes it to S&P500? Maybe just a topic for another video. Thanks

[@Abdul_Rahman86]

That sipp is looking good man

[@TobyNewbatt]

we're slowly getting there! I'll put as much as I can in

[@danieltj6194]

Hi Toby, great content. So with the rules changing regarding ISA’s does would I just need to keep track of my accounts to ensure I don’t go over the 20k max in total?

[@TobyNewbatt]

Yes, in theory - that's all you would need to do, keep track yourself. However also maybe in the future the data could be shred/linked so that its all tied to your NI number so the platforms would let you know how much you have left.

[@Sam-np4oc]

Im looking to start investing into VWRP for the next 20-30 years. Would it be better to use T212 or vanguard in terms of 1. Security / safety & 2. Management / transactional fees! Thanks

[@patgrant149]

I don't know about safety aspect but trading 212 has no fees for the ISA and the app is really easy to use.

[@TobyNewbatt]

Either is fine but as Pat rightly said below, T212 is hard to beat with zero platform fees. I also do like InvestEngine and have my current ISA there.

[@michaelclaridge492]

Hi Toby - really appreciate your straightforward and understandable information. It’s really helpful. Can I ask though, why use vanguard site when you can get the same or very similar ETF via trading 212 or invest engine at a reduced cost. Apologies if this is a naive question. I’m new and learning. Thank you

[@TobyNewbatt]

Hi Michael. I use Trading 212 and InvestEngine alongside Vanguard. The reason is firstly because ISA rules only let me open one new isa per year and secondly, I actually like to have different pots for different purposes. E.g. I hold stocks on T212 that I want to keep separate from my index funds on Vangaurd/IE. I also don’t base my investing purely on the costs, although I keep a close eye on them. I find a careful balance works for me. I hope that makes sense. With the new isa rules in April we can all make even more choices but more on that later

[@michaelclaridge492]

Thank you Toby for taking the time to explain. It’s quite a learning curve - and a bit of a maze 😊 Thanks again.

[@TomsPersonalFinance]

Great update as always, Toby. Nvidia is insane - but I wouldn't feel confident betting on their run ending any time soon.

[@TobyNewbatt]

exactly! :)

[@SensibleXenomorph]

Great vids. Do Toby and Damien coordinate on video realise times 🤔

[@coderider3022]

A few of them appear to and sadly copy some content.

[@VegasMilgauss]

They outsource to editors who will job lot release them most probably.

[@TobyNewbatt]

Surprisingly, I post on Sunday mornings which are popular because...guess what most of our UK audience like you are around :) Secondly to the smart comments below, I have never had an editor everything I do is for myself :) Also, I have receipts - I have never copied another persons video and you will find quite the opposite. See my most popular videos and you will find that some of the biggest creators in the world have stolen my ideas and ran with them with zero credit. Those are the people you should be having a word with :)

[@SensibleXenomorph]

I doubt anyone would think you two would copy each other, the content of the videos is usually completely unrelated from one another. Just wondered if you guys collaborated. Love the content that both of you make!

[@87vortex87]

I also thought the stock market peaked in December, i really had to resist the temptation to take some profits, waiting for a correction, and going back in. I didn't, luckily. But the temptation is very strong to do so.

[@TobyNewbatt]

and this is why investing is so so hard!

[@MaxM-xg8vm]

Hi Toby, we both take a similar approach towards investing as we both invest for the long term. I invest into vanguard index funds each month however I do this through the Trading 212 app. Is that a problem and would you recommend switching to Vanguard and opening an account there or is there no difference?

[@TobyNewbatt]

Trading 212 has no platform fee and allows fractional shares so it’s cheaper to use than vanguard 💪. Keep up the good work

[@user-fv1576]

Hi, can you list the best retirement planning software available to the uk public . Everything I’ve found is either for the American market or only sold to IFAs.

[@TobyNewbatt]

I'm only aware of one called Voyant? But I've never used any, and I don't really want to pay a fortune to access one. Maybe in the future.

[@user-op7eg8ef6u]

Hi Toby, I started investing last year and invest in S&P500, Global all cap and emerging markets. I realised after a few months that S&P and global have a lot of cross over, do you think if I switched to put one of them into one fund would yield higher returns, because of cross over, rates to have each account etc? Or could there be upsides to investing in both of them?

[@jjmstudios]

Great info. I currently have an ISA with VG and 100% is in the LifeStrategy 100% Equity Fund Accumulation. I'm getting 22% overall since I started it. Which is great. But I've been seeing recently I could be doing better due to the U.K. bias in the fund. What would be your advice in April? Stay with VG and move to a different fund or move to a different platform entirely and a new fund? Thanks in advance.

[@TobyNewbatt]

Personally I like a global market cap fund with no bias - exactly what I am invested in. But just my two cents.

[@mark_just_mark]

Not sure if I should have watched this as I saw your image on another video recently advising me… “…stop watching KZbin videos that are not really any help to you in your investing journey…they keep telling you things are over priced…” 🤣 🤣🤣

[@TobyNewbatt]

I’m always buying 😎

[@mark_just_mark]

@@TobyNewbatt When I saw your picture I thought "surely this guy has got the wrong image..."... 😎(maybe he meant Damien! 😜)

[@anthonybrown4874]

Cheers Toby our totals are not so far apart though mine is not a tidy as yours with some different holdings though a big element of world tracker. I have been slowly selling out of a few of my minor holdings that have proven over time to be dogs. Not putting any more into Vanguard on this platform but looking forward to a new cheaper platform come April.

[@The_Alpha_Channel]

Toby - AMD shares......... Is there anything important to know re a W-8BEN form for US stocks? Looking at AMD before they go up too much. Thank tou

[@TobyNewbatt]

W8BEN is just a formality - you can’t own US stocks without it! It does help reduce dividend tax where appropriate to 15% but AMD doesn’t pay any. Good luck

[@ChrisShawUK]

Next tax year, my ft250 slug is getting toasted into s&p. I bought that thing at the top of the 250 back in early 2022 and I'm fed up. I don't usually sell, or worry about short term, but this just gnaws my eyeballs every time i look at my app. Sometimes you have to move on.

[@charliehobson33]

Selling a loss is a strong move, it feels good :-)

[@ChrisShawUK]

@@charliehobson33 yes, I will feel better after the sale for sure. I never should have bought into the position in the first place. The 250 is just full of garbage like itv, easy jet and deliveroo. I really don't know what I was thinking.

[@george6977]

So you're lost patience in just 2 years.

[@ChrisShawUK]

@@george6977 yes. I started investing in 1998 and the bulk of my portfolio is ftse100/s&p. This is only about £6k which I got as a lump sum when my zopa account closed so I thought I'd try something different. I don't really know why I shifted from my strategy. I'll correct it in April.

[@TobyNewbatt]

we can do it on a livestream - i'll bring the candles and we can press the sell button all together as a community

[@carlosluis3360]

Hi Toby, Could you let me know the different between Vanguard: ESG Developed World All Cap Equity Index Fund and ESG Developed World All Cap Equity Index Fund (UK) Thanks

[@charliehobson33]

Is it the currency it is traded in?

[@adrianl5899]

Irish domiciled with USD comparative index v UK domiciled and GBP comparative index (so domicile and currency).

[@kevinu.k.7042]

Hi Toby - I've been reading this morning how the U.S. is approaching China for talks because they are concerned about developing countries and the accumulated debt. They are looking at debt relief to try help those markets dodge a recession . Any thoughts on this please? Thanks for another great video.

[@davidboulton7383]

Hi Toby, I'm looking at switching to Vanguard for my stocks and shares ISA. Silly question, but can you buy a whole ETF stock to the penny or do you need to invest a certain amount of money per month?

[@TobyNewbatt]

Hi David, you can invest as a one off amount - the Vanguard site does say there are minimum amounts but I've always been able to buy a single share of an ETF, for example VUAG right now is £75.87 so yes you would need this exact amount to buy one share. You do not have to invest monthly or commit to anything :)

[@davidboulton7383]

@TobyNewbatt Hi Toby, very helpful and thank you for the swift response 👍

[@porschecarreras992cabriole8]

My vanguard ISA reports 31% growth in 15 months!!

[@TobyNewbatt]

It's been one hell of a ride :)

[@adrianl5899]

Drinks are on you!

[@petebannister3]

Toby, why did you leave Hargreaves? Am currently debating leaving them to have my sipp with invest engine but they don't offer quite the same ETFs and no shares?? What swung it for you?

[@TobyNewbatt]

HL is exorbintantly expensive :) There is nothing I can't buy on IE that I needed in terms on Index funds with ETFs. And individual shares are free to trade on Trading 212 including fractionals. Once I really looked at my costs I am now saving a fortune across my accounts now that I have everything sorted :) I fear that HL are in a long-term decline losing the battle to the newer platforms and only survive because old money props them up from people with very large accounts who remain loyal for no good reason.

[@petebannister3]

@@TobyNewbatt I have things like jupiter and AXA in Hargreaves which I havent seen on invest engine but I do agree it's expensive. I guess if I swapped all for a vanguard fund then invest engine would be ideal.

[@Scott3387]

Is there a reason to continue with Vanguard when they are still charging 0.22% instead of the 0.10% you can get a world ETF elsewhere (LGGG for example)? Vanguard remind me of a branded cereal selling pretty much exactly them thing as own brands for triple the price.

[@TobyNewbatt]

The price of the fund is just one factor for me. Not everywhere offers a SIPP, not everywhere is as established as Vanguard. Trust and safety also play a part in my decision making but each to their own.

[@jonathangiles4854]

For the next tax year, would you do it on the 4th April as a lump sum, or wait a week? Thinking the price on new tax day might be high.

[@adrianl5899]

Is there evidence the UK tax start/end year has a significant bearing on markets? (I'm unaware of there is) Without evidence I wouldn't put much value on it. Plus, if you or I think xyz is better, it's not inside information giving us an edge so millions of others might be thinking it too, rendering it all of no benefit. And just to make sure... April 6th is the new tax year (obviously may be a typo but just to avoid investing in the wrong tax year).

[@TheSilvercue]

Do you mean adding your £20k to ISA? If it is S&S ISA I always do it day one, which is the 6th not the 4th. Time in the market usually trumps timing the market.

[@curiousjoe395]

Nicely ticking up Toby. Can I please check that your global fund is VAFTGAG? For some reason I thought that you were recommending one of the other global funds in another video? I may be confusing this with something else I’ve seen…

[@TobyNewbatt]

This is correct

[@curiousjoe395]

@@TobyNewbatt sorry but that begs the question, why you recommend one type of global fund but use a different one yourself? Sorry to sound obnoxious - not intended - but I value your opinion on these matters and want to draw the right conclusions.

[@TobyNewbatt]

@@curiousjoe395 huh? VAFTGAG IS THE vanguard ftse global all cap it’s the same thing it’s in the video? I think you might be confusing my other portfolio on InvestEngine. ETFs and mutual funds are not the same. I also never tell people what to invest in that’s for you to decide 😀

[@curiousjoe395]

@@TobyNewbattconfusion on my part I think. Thanks again and keep up the great content. We don’t copy but are definitely informed by your views :)

[@Larksta1979]

I have most of my isa amount in s&p dividends. I have cancelled payments and started paying into s&p accumulating. Should i switch them funds over from dividends to accumulation?

[@TobyNewbatt]

I personally prefer accumulation as its simpler but its up to you

[@Larksta1979]

@@TobyNewbatt i totally get that. Im abit confused how to switch them so am just wondering if it would make a difference if i swap them all over, or just leave them as they are. Like i say i have set up new payments for accumulating now. Thanks for your reply

[@ally-hi4ut]

Can we have 2 stock isa I.e 1 for 2023 (vanguard) (old - no more additions) 2 for 2024 (trading 212)

[@WatsonArmyFitness]

Yeah but the trading 212 would become taxable after investing over 20k per annum

[@clarkeysam]

Note that it's tax year, not calendar year. You could already do what you are asking, but next tax year you can put money into more than 1 stocks and shares ISA and the other types of ISA.

[@massive_crypto7126]

So for year 2023/2024 we still not able to in more then 1 ISA ? Let say I put 1£ in cash isa in September 2023 and 1£ in stock and share isa with vanguard and 1£ in stock and shares ISA in February 2024, is this action allowed or is not ? Thanks

[@adrianl5899]

In the current tax year, you can only pay in to 1 of each type of ISA. So while you can pay into 1 Cash ISA and 1 S&S ISA, for example, you cannot pay into 2 different S&S ISAs.

[@massive_crypto7126]

@@adrianl5899 ok that’s clear thanks for your answer. Now if I did pay into 2 different S&S isa for the month of February what I have to do ? Vanguard and invest engine

[@adrianl5899]

@@massive_crypto7126 Some people try to correct their own error by transferring ISA 2 (the one paid into after ISA 1) to ISA 1. Some wait for HMRC to get in touch. I can't say what you should do because, although people frequently report doing what you've done, they tend not to relay the outcome on forums (which isn't:t much help!). In the end, if you've not done something like this before, I imagine the worst that would happen is HMRC contact you and make one of the ISAs lose the ISA status (so it becomes subject to CGT etc.). Thus if you're dealing with smaller amounts, its effect might be akin to a slap on the wrist. I imagine they would be harsh if people were abusing the system, such as trying to pay £20k into multiple ISAs where there would be a clear benefit of the person got away with it. But if it's a simple error I imagine they aren't unreasonable to people.

[@scottclarke1]

Hey Toby, could you do a video on how ETFs are not covered by FSCS protection? Monevator has a great article on this but it otherwise appears not to be common knowledge

[@TobyNewbatt]

Investments are not covered by any protections 😎. As they go up and down depending on the market. The protections were never designed to cover investments it’s all about protecting the cash and protecting from fraudulent providers. I did a video a few weeks back on the topic of what happens when your broker goes bust. 👍

[@scottclarke1]

I get the market volatility but let’s say Invest Engine goes bust. Any funds you have invested wouldn’t be covered by any FSCS protection if it really came to that because only OIECs and Unit Trusts are covered and not ETFs. I get totally that ALOT would need to go catastrophically wrong to get to that point - just thought it might of been a good addition to your previous video

[@TobyNewbatt]

@@scottclarke1 Getting mixed up here - I did a video on this explaining everything. :) Regardless of the platform or broker - if you buy an ETF - lets say a Vanguard one. it doesn't matter if the broker goes bust - you own the shares in the ETF managed by Vanguard. The value of those shares is determined by the underlying value of the shares. Sure, you might lose access to any buying/ selling whilst the platform gets sorted out BUT you still own those shares :) The protections are not designed in any way to protect you from investments going down - they are just designed to protect from fraud/ fraud especially with holding cash :)

[@joshtinkler8191]

Is now a good time for long term index funds, kind of missed the low period and everything’s already recovered. Idk if it’s best to wait for a market drop or start

[@TobyNewbatt]

If you are a long term investor, who invests every month. It is ALWAYS a good time to start. You'd never start investing otherwise.

[@TheSilvercue]

Recession doesn’t matter, especially if it is just an”technical recession”. Germany entered recession and their main index hit ATH after ATH. Japan just went into recession and …guess what…..ATH. SPX and NASDQ just hitting ATH when we were told they would slump in 2023 and they didn’t and we are told it will slump this year. Just look at how many people keep shorting and calling slump and it never comes.

[@rufdymond]

I’ve just sold nearly all my Nvidia stock only time will tell if that was a wise move…I’ve made a killing with an average price of $271.46 and I only bought my last shares in December. I can’t believe this stock increased so much in such a short time frame - even if it does continue to some really stupid highs, I’m more than happy with my returns.

[@TobyNewbatt]

nice one! as long as you're happy that's the key thing. Yes, sure you could be annoyed later on but gains today are real. Now you just have to think about what else to invest in...

[@bobdobalina276]

So, I've moved a bunch of small dilapidated pensions pots into one place, stuck them onto a couple of ETFs and they are now going great guns - and its nice to just be able to see them after all these years! The thing is all those little pots have added up to something pretty close to the 85k FSCS protection limit. I have another pension that just potters along just over the 85k limit that I wouldn't mind moving into a SIPP. I'm curious do people really bother about spreading stuff about for greater protection? It would cost me about £130/year extra to keep a separate SIPP rather than stick it all into my existing SIPP provider. I'd probably stick it on the same/equiv ETFs.

[@adrianl5899]

Fidelity are currently paying £500 cashback on pension transfers £50k-£99k, and if holding only ETFs charge £90 per year. They become expensive if buying/selling ETFs though (£7.50 per trade) but certainly for a one-off transfer and hold are a decent option as you would basically get several years effectively at no platform cost due to the cashback. Even if not for FSCS, people may keep pots apart for this very reason potentially exploiting cashback offers) or just in a sense of knowing that if one firm suffered IT failures etc. they have a separate pot, especially at the point of drawdown when access is needed. Personally I like having different providers, not only for FSCS but for these reasons... and a couple of my pensions retained the 55 protected age, including my Fidelity one, so are remaining where they are, whereas the Vanguard did not so will be moved when I can make some decent money from moving it. On transfer though, just be aware that transferring for cashback or to save fees but doing so in cash, and therefore being out of the market, could mean missing a good period and effectively being no better off/worse off. The other day saw a 2% rise, for example, and with a decent pension pot being out of the market just for that day, saving £100 or whatever on platform fees then seems hardly a deal. (Of course, market could move in favour too, but in-specie avoids the risk)

[@bobdobalina276]

@@adrianl5899That's interesting, I had ruled Fidelity out as their fees look pretty high, that ETF rate is pretty buried in their small print! I'll have another look. My £130 was based on Vanguard, but I'm not super excited about joining their platform TBH so if Fidelity is a cheaper option that's good.

[@pauldeal68]

What is your pension invested in with vanguard? As u sY u dont touch it ?

[@TobyNewbatt]

It's in the video - this is why I do them. Did you watch it?

[@pauldeal68]

@TobyNewbatt I was watching it matey...must of missed that bit ..recently subscribed to your channel

[@TobyNewbatt]

@@pauldeal68 welcome aboard. I try to cover new stuff each month, sometimes the obvious stuff gets skipped over. Hopefully you can find it - everything is in the ftse global all cap index fund 👍

[@pauldeal68]

@TobyNewbatt Tony I'm opening a vanguard account in the new financial year ...was going to do it the other day but I added money to my ig trading isa account in September..so I could not start another isa with vanguard..almost did but I would be breaking the rules ...I've been burnt trading individual stocks big time my 40 k plus pot is now 23k ..I having clawed it back afew times only to over trade and lose it.index funds for me in vanguard

[@anthonyharper5954]

Hi Toby, Many people say you should invest in a couple or more etfs to hopefully ride out poor performance in one or the other, you’ve decided a single one.. do you have a video on this thought process?

[@Scorex7]

Just pick a global etf like Ftse all world, or MSCI. Stay away from thematic or sectors etfs.

[@anthonyharper5954]

@@Scorex7 global over the S&P?

[@richardmoody3295]

What are your thoughts regarding hmrc not allowing fractional shares in an isa going forward? Thanks Richard

[@clarkeysam]

I thought they cleared that up?

[@TobyNewbatt]

They did clarify and fractional are fine - we will get this in the new tax year

[@prisol]

Thanks Toby. QQ - are you exposed to crypto? and if so, would you make a quick guide video about it for newbies? TIA !

[@TobyNewbatt]

I do have some crypto and yes maybe a video in the future from a 'sensible' perspective!

[@guitarsandcheesecake1632]

Excellent video. Fantastic news after the lows of 2022. If every month was like the last few, I'd be retired, but I'm gonna hold on for a few years, as I'm only 60...... let's hope this bull market last a bit longer 👍👍👍

[@ninokamps4407]

Your video titles and thumbnails are trash, but I consdier it to be good thing and belong to the "happy few". Thank you, for the quality of your channel.

[@TobyNewbatt]

hope you have a lovely day as well

[@jamesasteria]

Iron your t-shirt 😂

[@TobyNewbatt]

for you i'm going to make it extra crinkled next month :P