5 Beginners Investing Mistakes I’ll Never Make Again!
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- Опубліковано 8 лют 2025
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Today I thought i’d share some common investing mistakes, along with some investing mistakes that i’ve personally made throughout the course of my investing journey which began in late 2017. I started my investing journey on Vanguard UK, investing in a collection of funds that they offer on their platform, before moving onto Trading 212 in 2020, to benefit from lower fees, and a wider range of investment options. However it's over this period of time investing in the market that i’ve made a couple of investing mistakes myself, which I wanted to share so you can hopefully learn something from them.
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Disclaimer: I am not a financial advisor, and this information is not financial advice. When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. If you enable interest on Invest and Stocks ISA accounts, Trading 212 will hold your cash in qualifying money market funds and banks. Otherwise, your cash will be held only in banks. Interest applies on cash in an investment account. Terms and fees apply.
Disclaimer: All ideas presented within this video are that of my own based on my own opinions. Please do not consider any of these videos as financial advice as I am NOT a financial advisor. All financial decisions and choices made are solely your responsibility. The views shared in this video are just for entertainment purposes only. When investing, your capital is at risk and can go up in value as well as down in value. You should consult a suitably qualified professional when seeking out investment advice in order to fully understand the risks associated with investing. Do your own research.
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1. 0:30 Not using a Tax-Advantaged Account (e.g. S&S ISA vs GIA)
2. 3:05 Not matching your holdings to your risk appetite
3. 6:04 Avoid paying high fees when investing.
4. 10:37 Buying based on past performance.
5. 12:26 Short-term thinking.
The fact that nobody talks about the forbidden book called The Gilded Nexus of Prosperity speaks volumes about how people are stuck in a trance
I used some techniques from that book to make money, and I can truly say I'm earning more now
The biggest mistake with investing is not to invest.
Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can one participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
'Caroline Anne Manning’ is the manager I use. Just research the name. You'd find necessary details to set up an appointment.
you are the epitome of "buy when others are scared"
Great for new investors!
Good video. However, surprised you did not talk about a SIIP. Assuming you're working - you're paying tax today, so might as well claw some of that money back, which then compounds over multiple decades as opposed to the ISA method. If you fall into the higher tax bands (which lets face it, so many more people will with the freezing of the nil rate band), then a SIIP makes even more sense.
The irony of Vanguard talking about fee structures (UK viewers will get it 😅😂)
lol I know right 😆
I get adverts on videos …. but the amount on this one were ridiculous 😅
Binance infinity ETH bug right now
I just made a video to show that
Thank you for very useful information. When will we get next portfolio update?
A huge mistake I made with the stock market was not separating my love for the product from the stock.
Boring stocks often outperform New gamechanger stocks. You dont have to invest in revolutionary companies to make ££
What do you think about ETP's ?
How did you avoid the speculating on forex trap that most fall into and instead opted for the smarter investing route?
Is Lightyear a ISA or GIA?
I believe they have both, they’ve just launched a Stocks ISA
My take is this (plagiarising a lot of wise advice)..'When others are greedy be fearful, when others are fearful, be greedy'. I cant wait for the next S&P 'crash'..to me...its a huge sale! Either way I dont give a shit as my time horizon is over 20 years. Low fee S&P ISA..Avoid headlines, dont daytrade gamble (unless you have a PHD in Daytrading)...keep it super simple then simply 'index and chill'...keep it unbelievably simple!!
Apart from leaving it too late etc, my biggest mistake is over complicating it.
Starting over, I'd would concentrate on the 3 main markets- S&P 500, FTSE All World, NASDAQ 100.
Imho that covers all bases ans keep things simple. Other funds can over complicate things and effect returns.
Hi mate I saw on one of your videos you mentioned your SIPP. What are you investing into I’m thinking all world ETF and high dividend. Thank you
Could I have both a cash isa and stocks and shares isa?
How would this work?
Am I allowed several isa’s?
You can have both but still only a maximum of £20000 between them.
@@newc001thank you!
Yes you can but your £20,000 allowance is split between all your ISA’s I have 3
Thanks for sharing! Bought H15z, expecting 10x returns! 🚀 Coinbase, Bybit, Binance to list soon.
When you DCL do you set it for as soon as the market opens up at 830 once a month or is it best to invest every week? Also do you orefer S&P over All World?
Over the long-term DCA monthly or weekly will make minimal difference. It’s likely that monthly will beat weekly due to accumulating more time in the market overall but it will be minimal.
If you get paid monthly, usually best to just direct debit / standing order the day after you get paid and DCA monthly.
I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market. The safest approach I feel to tackle it is to diversify investments by spreading investments across different asset classes, like bonds, real estate and stocks, they can reduce the impact of a market meltdown
I've just begin to learn about investment, and I've found that many good stocks are undervalued despite their intrinsic value. If you had quarter of a million to create a strong portfolio, which stock would you choose for better returns?
Based on personal experience, it's advisable to work with an investment advisor, I currently have $780k in a well-diversified portfolio that has experienced exponential growth, all thanks to my financial adviser. It's not only about having money to invest in stocks, you must also be knowledgeable, persistent and have strong hands to back it up
I'm trying to find a certified one to boost my investments/portfolio. Can I get a recommendation from you, since you know about this stuff?
My financial adviser is Elizabeth Cordle Gross , a renowned figure in his line of work. I recommend researching his credentials further. He has many years of experience and is a valuable resource for anyone looking to navigate the financial market
Thanks for sharing, I just looked him up on the web and I would say he really has an impressive background in investing. I will write him an e-mail shortly
The vast majority of people, well, at least people like me, they will probably never be able to invest £20k a year into an isa, the benefit is any gains or dividends are going to be tax free. If you have worked hard enough to max out an ISA, I'd recommend doing your research into the tax code about stocks and shares outside of an ISA or speak to a financial advisor
Yall are lucky -- we in the South dont have the benefit of ISA -- Uncle sam is always on our neck.
Governments shouldn’t be giving any money away to people who put money in cash ISA’S, fraudulent practice giving tax payers money away to people who already have money
Only the UK does ISA in Europe.
m a 52-year-old QA Specialist at Confluera, with an annual income of $150,000. Although I do have a retirement account, I'm keen on exploring short-term investment opportunities as I prepare to shift to part-time work in the near future. What would be the most suitable strategy to achieve my goals?
Consider exploring energy stocks, as they are poised to be significant beneficiaries of advancements in AI and data centers. Additionally, practicing Dollar Cost Averaging (DCA) into a reputable ETF could be beneficial. It's crucial to prioritize patience and maintain a long-term perspective. Most importantly, seek financial advice to make informed buying and selling decisions.
@@AndrewHavelka-i4m Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
@@AnnjaliGuptasharrma What strategies can I employ to pursue this opportunity? I am wholeheartedly dedicated to securing my financial future and am enthusiastic about getting involved.
@@kaustavSingh-n3j " Caroline Annee Manning," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
@@AnnjaliGuptasharrma I'm pleased with the advisor's prompt and knowledgeable assistance. Her professionalism instills confidence. Looking forward to further discussions.
I’m all in on H15z after seeing your analysis! This could be a game changer!
I recently got into this, last year to be precise and I realized that I needed a lot of knowledge, experience and a better understanding of the market before I could make a lot of money from it, this was after I had lost 60k off my pension already lol then I decided to get an advisor my old friend from work recommended (thanks again Janine) her name is Abigail Ann Ryan and she helped me monitor my portfolio and taught me how to keep my ear on the ground for promising investments and now the money I lost when I started this is way less than what I've made over the years and I'm really happy about that. I just wanted to say I love what you're doing here, and you'd be shocked to know that my first motivation to go into stocks full time before I made a million from it came from your channel. keep up the good work!!
That's quite impressive.
Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.
Found her webpage by looking up her name online.... I'll be writing a mail to her shortly.
I did read about Abigail Ann Ryan on the web, quite a great resume she has
Lol copying Damian Talks Money channel with ur marbles…
Genuinely can’t say I’ve seen that video, but clearly they’re good props to educate on different financial concepts!
S&P500 investing today would be mental! The thing has grown up the whole of last year and is still going up. It is due for a crash and one that people will never forget I think.
Go and do your proper research, you will notice that S&P500 went up higher in some previous years than last year. It was just 23.8% in 2024 while it went as high as 35-40% in some years in the past.
Haha I disagree. I invest every week into the market regardless of the price. It has served me very well over the years.
Yep it's crashing in 20 years
@@coolmonkey619 😂😂😂😂😂
It goes up it goes down slow and steady in not selling in the slump as it only crystallises losses have a long term plan and emergency funds to hand and watch out for sharks name dropping advisors in threads after videos like this they aren't doing it for your benefit.
Loving SOL and H15z! Following your advice has made me $30K in profits. Super excited for the future of these projects!