What My £200,000 Investment Portfolio Made This Year

👉 Build a £100k Investment Portfolio From £0, As Fast As Possible:
www.chrispalmer.co.uk
Accounts that I use:
⮕ 🔎Stock Tools - Webull UK: (Bonus Link) www.webull-uk.com/i/ChrisPalmer
⮕ 🚀 ISA - Invest Engine: (Up to £50 Welcome Bonus*) investengine.com/chrispalmer
⮕ 📈 SIPP - Vanguard: www.vanguardinvestor.co.uk/
⮕ 🚀 2nd ISA Option: Trading212: (Free Share Worth Up To £100) bit.ly/41NxqGb
⮕ 📈 Lifetime ISA: Hargreaves Lansdown: bit.ly/3ZuHZvC
⮕ 🏦 My Interest Account (Plum): Free £5 cashback if you hold £100 in a Plum account for 90 days*: bit.ly/3QERKVt
⭐ Join Our Investing Community On Patreon:
/ chrispalmer24 (a few early bird spots remain).
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*Terms and service conditions apply. Capital at risk. None of the advice mentioned in the video is to be taken as financial or investment advice as it’s for entertainment purposes. Some links above include affiliate commissions/referrals.

[@chrispalmer24]

👉 Build a £100k Investment Portfolio From £0, As Fast As Possible: www.chrispalmer.co.uk

[@chrispalmer24]

Thanks for all your support this year ☺🙏I'm thinking about doing these on a more regular basis next year - maybe monthly? Let me know what you think!

[@philippowell8273]

Great video! Do you think Freetrade will ever have a LISA available? Their platform seems to be improving on a regular basis.

[@ploppy193]

Yes! 👍

[@chrispalmer24]

@@philippowell8273 Thank you! I don't think so but I think they should. The lifetime isa is a complete faff in terms of paperwork and I imagine it's a bit of a loss leader - because there's a small amount in they don't tend to make enough to deal with the paperwork. I think if one of the low cost providers absorbed the cost though - imagine having them all in one place would be huge.

[@sethanith3181]

Would be interested to see more regular updates!

[@rsouthworth]

Well done and good luck for the future. Thank you for all the excellent content on your journey.

[@mattprunty3250]

Hello chris, i really liked your videos, i love the transparency. I have a question though, what do you think of Target-date funds?

[@stefanzurbruegg2047]

Hi Chris. What do you make of factor investing? Thought it would be up your street. Or is the small cap nature a concern for you? Are there factor investing funds which are low cost on main platforms?

[@clarilifts]

Hi Chris! Would you do a video on trading 212 investing ( and potential SIPP) vs plum investing and SIPP? Thanks 😊

[@lesleywillis6177]

Does the vanguard ftse developed world + the emerging markets not add up to the ftse global all cap? Be interesting to see the performance difference between the two strategies.

[@georgemichie8626]

Just a thought, really enjoyed the £0 to £10k series, does YT have the same outlook if this is done via shorts? Would be nice to see a monthly progression, even if it was a 60 second recap. Keep up the great work through 2024.

[@mixerman8]

Well done Chris and thanks for sharing the journey, I like how you prefer the ISA over pension as majority holdings im the same. You've some impressive numbers there for mid 30's well done. My advice regarding the house would be that should be your main objective this year as you can always return to investing. Theres gonna be some good buying opportunities. I'd look at getting a house thats seen better days but is liveable just lol, then add value doing up over the year. By 2025 interest rates will have gone down again and properties should gain nicely as a result. Have a revaluation then pull out the equity and re-invest in another property BTL purely on interest only and re-invest those gains into your ISA. Warning you may find it addictive. Im in same situation, got 34K to side ready for 1 more BTL in the ltd company but its so tempting to use up rest of this and next years ISA allowance. Id get some property if you can as a portfolio diversifier and use leverage carefully. Best of luck.

[@rajmehta6210]

very interesting thank you. are you concerned with havinf all your life savings with one or two main providers ?

[@RS-py6vm]

Can you do a video about what to do with old pensions? You mentioned a SIPP but I’ve moved jobs multiple times so have multiple pension pots with different companies so would appreciate some thoughts!

[@user-fe2zf6kl8f]

great video, so geniune and honest - keep up the good work

[@fiveplates]

Hi Chris, unrelated to your portfolio, but did you build your PC or buy assembled? either way, can you share some details please?

[@Ann.Lindahl]

Kept £120k in Ally bank HYSA at 4.35% but i now plan to invest in the stock market. What are your thoughts on that? What stocks should I look out for as a newbie to safely grow my money?

[@kansasmile]

Research "Dividend Aristocrats" and select six to ten companies from that list. These firms have a history of paying dividends for 25+ years. Additionally, consider working with a financial advisor to establish a well-structured portfolio.

[@blind_luck_]

Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from £250k to nearly £1m.

[@AntagonisticAsian]

Wow, that’s stirring! Could you please share details about the advisor who helped you? I'm dealing with a declining retirement pōrtfolio.

[@blind_luck_]

She goes by ‘’Theresa Dana Peek" I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@AntagonisticAsian]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@petsloveonly]

How do I trade options from the UK using sipps or EFTs?

[@MrG.42]

Great video as usual. How do you pay tax on any gains in a General investment accout? Is it taken by the platform or do you have to fill in a tax form?

[@user-xu6nl6xc6t]

My accountant sorts mine out you have to declare it.

[@petsloveonly]

Can I use invest engine sipps to trade options?

[@clarenceishmael9615]

Good stuff! Well done you! 👌🏾

[@paullewis-cb9cm]

Hi chris great content im 47 need ive got 350.gbp spare every month im a beginner ive got a ten year plan what index is a good shout just to invest and forget ?❤

[@patrickkelley4281]

Well done Chris! Keep on growing sir!

[@petsloveonly]

Does webull UK allow for options trading with EFTs or sipps

[@215paul]

Thanks for sharing your portfoIio. I have started investing this year having no knowledge about investing previously. I find your videos very helpful and transparent, cheers.

[@davidjones4130]

Great video Chris

[@markusmax8068]

interesting well made vid thanks, i agree about invest engine and i love the platform, and i also think webull is worth a go due to the tools and info there, thanks again.

[@rollthetape88]

How do the Vanguard ETF/Index fees get paid when you use a platform like Trading 212/invest engine? does it cost more thajn Vanguard platform?

[@boyasaka]

I Pefer to invest direct with the company like vanguard or Invesco etc rather than handing over my money to a online only third party company that doesn't have much history

[@chrispalmer24]

You'll pay the same fees whichever platform you are on in terms of he fund fees.😊

[@NS-pt9rr]

Chris with interest rates looking to be lowered this year as a bribe with the elections etc, what are your thoughts re btl property or S&S Isa's ? Me and my wife normally use up our full allowances and have btl properties as well, but with new the tax implications btl doesn't seem as promising as before.. Great vids, Thanks

[@petetv86]

Hi, congratulations on your gains, great work! The overall portfolio increase from last year, is that what you have invested + the interest gained? Thanks

[@chrispalmer24]

Hi Pete, Yep that's it - adding makes a massive difference, this month I'm up stupid with adding 3 months in one plus the recent swing after recording this, but it's always important to think it could just as easily go the other way. Getting to the stage I'd almost rather not look 🙈

[@petetv86]

@@chrispalmer24 thank you for the reply. I add in to my sipp and ISA every quarter, with a percentage of what I've made at work over those last 3 months. I currently have an ifa but love your videos, they're gradually giving me the courage to go solo! Keep up the good work

[@realist.network]

Hi @chrispalmer24, on the point about adding more being important, do you know of any way we can get our current pension into our main combined pension? It seems silly to me that we have to start at £0 with every new job because by our employer not paying into our combined pension every month and that money instead going into a pot with nothing in it, we’re missing out on returns. Do you know of any way we can keep our workplace pension open but transfer the money from it into our personal pension every month? Thanks.

[@lesleywillis6177]

Don’t quite understand the calculation at 13:06. I multiplied £65,779.47 by 1.0906 and only got £71,739.09?

[@kirsten121]

I'd be interested in a video on your bigger financial plan - is this the first time you're buying a house?

[@russellpetrie119]

i noticed in your freetrade you only have one or two shares in each company is it worth down sizing and bulking up say ten companys in total simplify it

[@chrispalmer24]

A lot of them were free shares to be honest, I just need to sit through and ditch them. I'd probably move them all over to Trading212, I can't ditch Freetrade because of the whole Russian fiasco unfortunately. What a nightmare that's been!

[@steve6375]

Do you Bed&ISA each year? When do you do it (start of tax year or end when you can decide to sell losses and gains in GIA and buy different shares in ISA to allow for minimum CG tax)? Also would be nice to see an experiment of two accounts - A - buy £x shares (global index ETF?) every month, B - save £x into savings account but buy same shares with it only when you think price is lowest - e.g. 4 buys a year or so. Over 5 years - which performs best?

[@rudolphteperberry3888]

NFA😅! I bed & isa on years when I haven't yet reached ISA allowance. Do it BEFORE end of tax year otherwise you're just using up next years allowances. Also do it towards the end of the tax year because if you do it too early you might find yourself with spare cash to invest later in the year but you've already used your allowances up (so you could still invent it in a GIA but the fees and faffing of the bed & ISA would be for nothing!). But don't do it right on the very last day because sometimes it takes a while for deals to be finalised. Personally I also only do it for maximum capital gains allowance. If I'd be taxed on the sale I'll just keep it in GIA and worry about it later! My GIA only exists from years in the pat when I used up my ISA allowance but still had more cash to invest. My situation means that won't be happening in the coming years so I'll take the opportunity to bed & ISA every year.

[@theIvanhoez]

Btw mate I’m on the invest engine forum the sipp coming soon will be 0.15% same as vanguard but with a £200 a year cap

[@chrispalmer24]

Really excited for it!

[@akash______________]

which is the best crypto exchanges for uk users?

[@realist.network]

What government bonuses is Chris referring to when he says we could grow our portfolio by 42% in a year that doesn’t perform very well?

[@steve6375]

Why do you have distributing funds in a SIPP? I always thought that since you could not withdraw any money, accumulating funds would be better. Did I miss something?

[@chrispalmer24]

They are definitely better. vanguards only just added the income versions to their platform - very odd! Definitely go for the accumulation version. I have it in my ISA

[@simonslater9024]

What do think of Etoro Chris? I’ve never heard of it but am always impressed by your recommendation’s. Also you have an amazing gift,from the good Lord,because you keep my attention which is hard to keep. And congrats on how you’ve built your finances. God bless. Ps keep doing the Match betting. I’ve not done that great personally and have given it a break during the Christmas season and start of the new year but will resume with slightly different tactic’s when I resume. (try the accumulator’s ie 3 matches with stake of say £32,would bring in if won £250 plus). Even a 6 or 7 match accumulator with stake of £3 can bring in £350,though of course one loss and that’s it. But you certainly seem to know what your do with Stock’s and Share’s which I need to start doing more in this area. I think I’ve mentioned this before maybe write a short booklet for beginner’s like me!

[@theIvanhoez]

The management fund isn’t 0.45% on lifetime Isa its 0.25% it just always displays it as 0.45 on that thing

[@chrispalmer24]

Yeah seems they've recently lowered it but kept the cap the same, a little odd but guess it helps smaller accounts more.

[@iMetal87]

Vanguard do have the accumulation ETFs on their platform now. At long last

[@chrispalmer24]

Huge. Can’t bring myself to swap at the moment and lose my data 😅🙈

[@jerrid1816]

Vanguard does have an App. Is it US only?

[@chrispalmer24]

For now, hopefully coming to the UK soon 🙂

[@prisol]

thanks for being 100% transparent Chris. Youve got yourself a new subscriber.

[@chrispalmer24]

Thank you!

[@killeremma]

great vid

[@chrispalmer24]

Thanks Emma!

[@steve6375]

Is it wise to consolidate even if it saves you a few $? If the chosen company gets into trouble, although your cash and investments are safe and protected, it will take a while (maybe up to a year) to sort out. Meanwhile those investments may be inaccessible to you. I would argue it would be better to split your ISAs, GIAs, SIPPs etc. across multiple platforms for this reason (and also it is more informative for you and us).

[@chrispalmer24]

Very true. I think nearer retirement age it would be an issue. If something happened for me I could leave them for years right now as I don’t have any need to sell. I think it’s worth weighing up vs having them in one place. I’d love to see accounts totalled together since they’ve been seperate so long

[@01302]

I notice your client number at just after 11 min, is that safe to show?!

[@chrispalmer24]

Thanks for spotting! I must have missed that one, think it's fine but I've edited it out anyway 👍

[@malcolmbirkett1347]

Nice portfolio 😊 keep it up😊

[@chrispalmer24]

Thanks Malcolm 🙏 appreciate it

[@itsmesaltax]

Interested to get your thoughts on buy to let.

[@chrispalmer24]

A friend of mine has done quite well doing AirBnB - I think that's quite a good option. From everything I've looked in to with Property now you need to be quite "creative" and look for quite "motivated" sellers, or desperate people which I don't love. A few family friends I know who have had 10+ properties who bought at very good times have been selling up. I think my main concerns has always been how much rights people have, or their ability to squat (horror stories I know) but know a few who have had major issues. On both sides renting and owning. The other concern would be the pressure on the government to "abolish landlords" which I 50/50 agree with - very interesting debate. I wish I'd bought a few properties when I first started I think could have done pretty well. But not sure how good it is now, I think you'd have to work pretty hard to just beat what you could get in the stock market. Couple that in with factoring in your time which could be spent elsewhere - I think it could be quite hard work. With that being said I still love the idea of owning an Airbnb etc one day, or renting one out - just not sure where it fits in to my plans. Could be an interesting way to diversify? Have you tried it?

[@Lovemy911]

Forget the buy to let's nowadays, tenants rights make the risk to reward a huge no no ..... Stick with the s&p / vwrl and I'm happy ,i can sleep easier now

[@itsmesaltax]

I haven't. I'm a typical long term stock market investor. I have done for years. But I spoke to a chap yestrday who seems to be making a fortune (he says) through buy to let. He has 5 properties and makes most of his money through the capital gain increase in the properties themselves, and not the rent. He has over 500K in debt to the bank, but a 1% move in the market is £5,000 for him. But lots of risk. @@chrispalmer24

[@boyasaka]

High mortgage rates New gas reg and electric regs Most tenants are shit heads And as always the law is on their side Avoid buy to let's with a barge pole

[@joshwhitehead1683]

You're better off flipping properties than doing B2L...

[@thebrummieinvestor2730]

There are no longer regular investment fees on HL, so it’s now free to buy ETFs this way.

[@chrispalmer24]

Thanks! It seems to have been updated between making this 😅 corrected it for my next one. Big move by HL I think!

[@thebrummieinvestor2730]

It’s massive in my opinion. They have also cut the dividend reinvestment fee, which is great and makes me a very happy HL customer.

[@kelvo1987]

Thanks for the info mate you and Stephen bridges the black jack counter should do a collaboration as you look very similar well if be shaved again 😂

[@chrispalmer24]

Thanks Kelvo - much better than the Macaulay Culkin I usually get his content is so good though. Wish I could count cards 😅 used to love the film 21

[@HBS444]

MY Lisa is with Dodl and i have the exact same holding as you but only 0.15% platform fee vs 0.45% at H&L

[@chrispalmer24]

Brilliant, is that capped the same as their main platform (AJ Bell?) It's a bit silly honestly as it's only a max of £3.75 for the month. Is that on a fund too with no cap? I may consider switching if so! ETF version on there is now better for me, but it's up 12% now - so it hurts to lose the data lol, not that it really matters.

[@HBS444]

@@chrispalmer24 There is no upper fee cap on the LISA but a minimum charge of £1 a month. The options on dodl are very limited but the HSBC all world seemed fine and lowest LISA fees that i could find. Im thinking hold on there until H&L £45 a year cap on ETFs becomes a lower fee should be when it goes above £30k.

[@seismic6402]

Very interesting. There is a lot to be said for owning the place where you live and being mortgage free as early as possible. Then you really can invest a huge proportion of your earnings. I have a couple of properties, but my overall savings / investments aren't as good as yours. Now I am piling the money in every year though.

[@Stupot2024]

My investment strategy has always been pension first owning my home second and regular investing into my ISA third which in recent years I'm now maxing the 20k allowance. Retired at 51 with no mortgage on a 4-bed detached and no debts. Not in my opinion loaded but comfortable. Helps to shop at Aldi and Lidl and buy petrol at Costco too!

[@seismic6402]

@@Stupot2024 That's it, if you are sensible with your lifestyle, it can be maintained much easier for longer. I had a few low earning years, which kind of taught me to be frugal, which is a habit I have kept, despite earning more now.

[@ewf4360]

What happens with the Russian Stock in this scenario, you just lose your money?

[@VegasMilgauss]

HL management fee for lifetime isa is now 0.25% btw

[@chrispalmer24]

Thanks! I saw this today. It's a weird one I think 0.25% LISA 0.45% ISA both capped at £45 for the year (£3.75) per month. What's more impressive I think is regular investing has been made free rather than £1.50 - so £11.95 to buy an ETF once, direct debit in for free then £11.95 to sell (plus the £3.75) - I do think it's a bit more complicated than it needs to be 😂

[@Citi-zen86]

Just looked and it seems the £45 capped limit is just for shares, so I assume that means if you have funds it only reduces to 0.1% when you have £1m + (highly unlikely in my LISA lol)

[@chrispalmer24]

@@Citi-zen86 Yeah! I think it's odd how they separate ETFs and Funds, definitely adds to the confusion. (Mine will never hit that either don't worry - lol)

[@davidjones4130]

Are you winking when you mention the lifetime isa ?

[@chrispalmer24]

Probably more blinded by the bright lights in my eyes 😆

[@walter.dlawson2580]

Surprisingly, with the help of my FA Emily Lois Parker, I was able to bring in $500k from many revenue streams. This should motivate someone to start accumulating money for an early retirement and to stop being indolent. Personally, I'd rather work my entire life managing investments in long-term, high-yield exchange-traded funds (ETFs) than live off dividends in Hawaii with my husband. I personally have investments in APPL, TSLA, NVDA, ABBV, and KO when it comes to dividends. Wishing you luck!

[@Tipberends]

i'm happy there are lots of people doing so well...Love this channel for the transparency

[@adamtennant129]

Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.

[@coderider3022]

You should spend it all on lottery tickets.

[@larsenb4803]

Sound investment advice.

[@philgosling]

Their SIPP seems expensive as they don't even beat Vanguard?

[@chrispalmer24]

Hi Phil, which SIPP do you mean? Invest Engines will - I actually mentioned to them they should beat them and they took the feedback on board 😅

[@mrlolmaster1019]

imagine if you sell everything and put it in Apple stock - this is not financial advice

[@chrispalmer24]

Sure be fun to see lol

[@crazymemes2832]

You shouldnot go for buying home. keep investing just 5 more years

[@Div3r]

I'm not getting why you are not maxing out your ISA allowance each year I get it if you don't have the money then obviously you put in what you can afford but at the moment you appear to have the funds. If I had disposable money sitting somewhere and I didn't use my full ISA allowance I would make myself stand in the corner with a dunce hat on. With previous generous tax allowances on dividends and capital gains now being eroded it is even more important to have your portfolio inside an ISA which as you know essentially makes capital gains and dividends tax-free. I feel your pain with the Russian ETF at one point I had 7.5k in Cineworld. I never thought something so big could go down the tubes.

[@chrispalmer24]

I have actually maxed my ISA pretty much every year. I think I've probably missed 1/2 years in 16. I haven't done it yet this year just because I'm getting 5% on the cash and need it short term. I am thinking about doing it anyway though in a few months, maybe even sooner since I'm near the tax on interest allowance. I have been prioritizing the pension more though as I feel it should be larger than my ISA. Ouch sorry to hear about Cineworld! We definitely live and learn 😅

[@Div3r]

@@chrispalmer24 OK I get the pension priority. I am at the stage of life where I'm drawing on pensions rather than adding.

[@mattsoutham]

What war? You mean special operation 👀👀👀👀👀

[@chrispalmer24]

🤣

[@centurione6489]

You shoul dsee my Voya Russia investment ...🤯🤣

[@chrispalmer24]

Shall we start a Russian Investors Support Group? 😂

[@davidjones4130]

I wonder if russia is at a good entry point for a very long term play at this low point

[@kartace1]

Pretty sure you just can't really invest in them right now, also...why would you want to invest in companies that are both directly and indirectly funding the ward on Ukraine?

[@davidjones4130]

@@kartace1 understand the point . But half the globe is indirectly funding it .

[@kartace1]

@@davidjones4130 100% mate, I can't argue with you there. But seeking to directly capitalise on it, I'm not so sure. Just think there are better options.

[@squibys2262]

I dont watch your channel often so may have missed your objectives, why so many general accounts is my question?

[@chrispalmer24]

No worries! Freetrade is a left over one had my Russian holding moved there, the other WeBull one I use just for analysis and Trading212 is just a fun one as I already have ISA's elsewhere

[@femo66]

you always talk about loosing the Data, why not import all the Data into ‚Portfolio Performance‘ !? After that you are free to move around as you want !

[@chrispalmer24]

I don’t think a lot allow you to do this? I’ve not heard of the main ones doing it

[@hahabobblehead2059]

u rich brah

[@chrispalmer24]

Far from it but hopefully be able to retire on a decent amount. 😅if you saw my current house and car you'd definitely think not lol.

[@davidjones4130]

200k is still a 5th of a millionaire man 🙌

[@chrispalmer24]

@@davidjones4130 Thanks bud, slowly but surely lol

[@VelixEdits]

Invested in Russia? Sorry think I'm going to have to un sub

[@chrispalmer24]

Yes pre-war 😅 did pretty well with them about 8 years ago. Picked them up thinking tension would resolve - boy was I wrong lol

[@squibys2262]

It's just the flavour of the last few years, next may be China then Venezuela. I'd like to see you panic sell to be the tip top citizen you think you are by buying their narrative.

[@VelixEdits]

@@chrispalmer24 ah I see

[@martamay6855]

SIPP at Vanguard - they offer two options 'do it yourself' and 'we do it for you' - the one you own is 'do it yourself'? so you chose your index funds yourself? I'm new to investment and trying to understand differences ... thanks

[@chrispalmer24]

Always DIY! :)

[@nagatouchia70gmail94]

How was the process of transferring your Freetrade ISA to Invest Engine? How long did it take? Did you have to sell your shares first? Did you feel you lost on some earning while moving?

[@chrispalmer24]

Really simple to be honest, took a few weeks as it always tends to, I sold everything to move - I was switching from stocks to ETFs anyway which helped. I actually did better because the market dropped in the time I moved, but the market had been flat for quite some time. I wouldn't worry about it too much, if anything I think it's probably a slightly better time now as everything is up.