Vanguard UK Portfolio Update | May 2024 | Vanguard Stocks and Shares ISA | 5-Year Update

This month is the 5-year mark since I started my investing journey. After almost a year off of KZbin, I saw this as a great opportunity to bring you an update on the Vanguard portion of my portfolio.
More updates on my T212 and Coinbase accounts coming soon. Lots of change since you last saw!!
📚 Recommended Reading List 👇
Rich Dad Poor Dad: amzn.to/3Lt5LTQ
Referral links discussed in the video can be found below 👇
OutPlayed Link (formally called Profit Accumulator): outplayed.com/...
Invest £1 and get a free share worth up to £100:
Trading 212 link: www.trading212...
You Need A Budget (Get 1 FREE Month): ynab.com/refer...
Sign up to Coinbase and buy/sell £73.07 of crypto for £7.31 of free bitcoin!
Coinbase link: www.coinbase.c...
If you enjoy the video please like and comment, and if you want to see how my portfolio progresses over the next year along with other money-making techniques please subscribe.
I'll catch you in the next one!
Disclaimer: Nothing you see in this video constitutes financial advice. I have no formal financial training. If you want help with your investments please seek independent financial advice from an appropriately trained professional.
Disclaimer: There's is an affiliate link displayed in the video description. If you sign up or make a purchase after clicking on the link I will make a small commission, however, there is no additional cost to you. I personally use the products listed and feel that people can also benefit from them.

[@noxyglow2363]

Nice. I love the small amounts you have been putting in, very realistic for almost everyone

[@jonathanbeh]

wow, welcome back! Havent heard from you for such long time

[@YourAverageInvestor]

Hey, thanks!🙏🏻

[@rogerkretzschmar8280]

Missed your updates, glad to see you back!

[@YourAverageInvestor]

Thanks 😀 more to come!

[@VegasMilgauss]

Nice to see you back, great update- keep going

[@YourAverageInvestor]

Thanks, will do!

[@HefinHopkins]

It’s great to see a video after a long break, your investments have done great for you!

[@Banthah]

Nice video. Keep those monthly investments going in, it will all work out for you at the end. Question, this is your ISA, what’s happening with your workplace pension and/or SIPP?

[@tomandrews158]

Why would you not have one ISA with your ETF's to further your compound interest? Or do you invest in other ETFs on trading 212?

[@raulra08]

Nice, welcome back! I think you offer a pretty good perspective, makes me think better through my decisions process. Keep it up! 🙌

[@YourAverageInvestor]

Awesome, thank you!

[@3fingerroll]

nice to see you back

[@YourAverageInvestor]

Thanks 👍🏼

[@cameronmmj9291]

There he is, glad you're ok

[@commentas3684]

What's your view on using investment trusts if they're at a discount? It's not uncommon to get a 10% discount on the value of the underlying shares. Ostensibly it looks worth paying an extra percentage point point per year in fees to bag an extra 10% upfront which you're getting performance on straight away. Then you could sell and move into ETFs when the discount narrows

[@traveljunkie1324]

Can you expand on what the ‘Personal Rate of Return’ figure means? I’ve never quite understood this…

[@markellis3411]

Have a look at Internal Rate of Return, or Time Weighted Return for an explanation

[@traveljunkie1324]

@@markellis3411 will do, thank you

[@diamonds972]

long time no see, how you reckon is sp500 and everything is about to drop significantly? or it is just the "noise"

[@Banthah]

Nobody knows. And anyone who claims they do is either a liar, a moron or has delusions of grandeur. Just keep plodding away and it’ll come good in the end

[@lodersracing]

67.67% is a good rate of return. You nearly doubled your money. I'm on 51% after 3.5 years.

[@usefulrandom1855]

No its not a 67% return, it's a 67% IRR, he put in 17500 and gained 5000. His actual return is 25.8%

[@g1ka30]

Why don’t you just invest in ftse global all cap? So much more chill and appears to cover what you’re aiming for with your different funds

[@andreww932]

I was wondering this also. Great video btw

[@YourAverageInvestor]

Good question. It all comes down to fees. I have a video on the channel called "my 6-fund portfolio" which explains it all. Essentially, my approach has an ongoing charge fee of 0.11% with the target allocation; however, the FTSE global all cap is 0.22%. This equates to £1,000s in additional fees over the lifetime of the portfolio, and as you said, they both cover essentially the same positions.

[@bcvids999]

Are you saying SNP 500?

[@nickjm4108]

Guess who’s back 🙌

[@richardclayton6939]

Are you coming back too…? 👀

[@nickjm4108]

@@richardclayton6939 I wish. My business has taken off so it’s all hands on deck for a while. Will come back when I have the time 👍

[@YourAverageInvestor]

Been a long time coming! How are things with you? Planning a comeback in the future?

[@nickjm4108]

@@YourAverageInvestor really good mate. Missing KZbin, I’ll be back one day 😂

[@Rodriguezpaul-9]

I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer .

[@Josephbasta827]

I'm surprised that you just mentioned Natalie Strayer here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.

[@AmandaStewart0908]

The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.

[@Scottweeier846]

Natalie Strayer has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's

[@DaveCulbertson]

I'm new at this, please how can I reach her?

[@carolynvo7802]

After I raised up to 125k trading with her I bought a new House and a car here in the states also paid for my son's surgery Glory to God shalom.

[@ellisclarke9608]

Why not just invest in a S&S LISA then you get then 25% govt top up guaranteed ontop of the stock market gains ?

[@SirHargreeves]

Can’t access the money early I don’t think. Also the max is £4k per year. Finally, that free £1k will be nothing when he is into the £100,000s.

[@ellisclarke9608]

@@SirHargreeves you’d still be better off maxing out the S&S LISA (333 p/m) then any remaining amount above the 4k put into a standard S&S ISA. Although I get flexibility is also important, I’d rather definitely have the money there at 60. The standard s&s ISA should be used as a bridge to buy years off retirement , get the pension and LISA sorted first then work backwards 👍

[@usefulrandom1855]

@@SirHargreeves I know what your saying but its not that simple at the free £1k in put in now, so say you are 25 then it will have 35 years until age 60 to compound, that first £1000 at age 25 will turn into £11,000 by age 60 at 7%, each subsequent £1000 will be slightly less but the first 5 years worth or so could be worth about £60,000. Although personally I'm putting everything into an ISA and let the workplace pension do its thing. In theory I should be able to retire much earlier than 57/60 so this is the best route for me. I have a LISA with a small amount in just so I could the account, and the workplace pension should still be decent enough to take the strain off the ISA, if the state pension is still around at 67 then its easy street.

[@mrlolmaster1019]

you look exactly the same, i was expecting you to look completely different with grey hair and wrinkles

[@YourAverageInvestor]

😂😂

[@suttyotolvajfideszbanda5983]

New video Yaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaay LOL

[@YourAverageInvestor]

Been a long time coming!

[@alxenache]

Nice video. Based on my own preference, you have too many investments spread across different markets. Wouldn't it be easier to just invest everything in VAFTGAG and forget about it? Investing shouldn't be overly complicated. For a newbie, seeing this portfolio would be confusing and make it unclear where to even start. Some people enjoy actively managing investments, but most don't have the time to keep tracking them closely.

[@wheelrich]

Agreed. Been there, done that. Pick one globally diverse fund and stick with it. Multiple funds makes little sense and potentially increases fees, as these vary quite dramatically between different funds.