My 2025 Investing Plan - Here's What I'm Buying
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- Опубліковано 9 лют 2025
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💸 - Trading 212
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Disclaimer: This information is not investment advice. Do your own research. When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
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Just the video I've been looking forward to. Good luck to all investors in 2025.
Good luck mate
Mr "Index and Chill" has £59k in individual stocks to 'scratch an itch' - That's a blooming big itch relative to the rest of the accounts on show, it's almost the highest.
The difference is only £24k was invested, the rest were gains.
😂😂😂
22 years of investment in the said portfolio. The boys done good Paul with that itch 😂
You are amazing, so wealthy, thanks for sharing your genius
@@jamespatch1691usually you rebalance if your philosophy is to be mainly indexed.
As soon as you said you have no children I was like oh yeh that’s how he affords to invest so much per month 😂 Very insightful video. I’ve been using T212 for my ISA for years now. I’m pretty much all ETFs. If I had a regular pension I’d more than likely do what you do and control it myself, but my pension is a different government backed one that doesn’t feature a conventional “pot” format.
"Building wealth is like climbing a mountain; investing is the steady ascent, retirement is the summit."
Great analogy! Climbing toward retirement takes effort, but the financial freedom at the top is worth it.
Great point, With my adviser’s help, I’ve climbed the financial ladder, making informed decisions that support my retirement goals.
@@lawrenceHart-ys2ct Great insight! I'd love to meet a financial adviser who can help me climb the financial ladder effectively.
@@lawrenceHart-ys2ct Great insight! I'd love to meet a financial adviser who can help me climb the financial ladder effectively.
Great insight! I'd love to meet a financial adviser who can help me climb the financial ladder effectively.
It's worth mentioning that T212 ISA is flexible, so it's a great repository for emergency funds.
Yes this too so is Invest Engine too
No IE isn't flexible yet? @@TobyNewbatt
I think that investing before paying down your mortgage has worked well for many, but in the noughties I was mostly doing it the other way around when there was a lost decade for stocks with severe and prolonged drawdowns and higher interest rates. The insistence that many have that they will never sell assets in a falling stock market has often not been tested.
2 questions:
1. What platform do you use for your bitcoin, and what's the size of your holding?
2. Why don't you show your T212 equity portfolio? Seems a bit strange to hide it
Generally enjoy your videos but was a bit surprised you didn't elucidate these 2 significant parts of your portfolio after mentioning them. Most engaged viewers would be curious to know more.
Nothing wrong with having them as a smaller part of an overall balanced portfolio, with the caveats you already mentioned. This notwithstanding, liked the video
Thank you for the comment and highlighting something important. I don’t want to share the individual stocks in that portfolio specifically because I’m not here to pump companies, hype stocks, or influence people especially beginners. I am mostly concerned that people will copy the way I invest and while the past performance might look great - the future is unknown and I’ll get the blame if people copy what I’m invested in. I’m less concerned about a global index fund but I would care if someone buys the same companies as me because they think I’m some kind of guru. I hope that helps.
I never say never but I don’t think this helps people in all honesty. Most beginners don’t even know about the ISA let alone the risks that individual companies hold. Hope that helps!
Great advice on ISA investing. Invested 30 k in 2018 and it’s now in 7 figures- invested in Tesla , NVIDIA . Why ? Watched You tubers , got educated and built my conviction in the both companies - both have returned on average 30% per year since IPO …
That's a pretty crazy ride from 2018 - congratulations for holding through some tough times. The big question as always is...what happens next though, will they continue to outperform the market moving forward? At some point, they can't keep doing it :) which makes investing so bloomin hard :)
You were also pretty lucky!
I’m really fortunate but I believe Tesla is going to 20x again by 2030- yes 10k per share by 2030. That’s based on full roll out of robo taxi in USA and china plus Optimus robot doing meaningful work at scale. I have not sold any shares and am still accumulating every month
@@alistairlogan6755You are going to lose your shirt with that outlook. No chance Tesla can actually deliver Robotaxi, Optimus, etc.
Let’s see L3 FSD first eh?
@@alistairlogan6755They have precisely zero moat on any AI
Happy New Year Toby!
Thanks for all your advice...
Now Debt Free, and have an Emergency Fund. Heres to the beginning of my investing journey. Thank you. 👍
Brilliant video, Toby. Super interesting and amazing gains on the T212 portfolio :)
Have you got a good template for tracking investments including individual transactions?
The irony of ‘no individual stocks, index and chill’ 🔥+129% in individual stocks..😅
@@Oldyellowbrick that’s just the gains at the moment it can easily lose far more money and I don’t add to it 😬
@@TobyNewbatt Hmm that’s true but personally after an almost 2.5x growth I’d probably trim my position by half and place that into index funds. I also make a few bets on some individual stocks but I definitely wouldn’t call 26k investment ‘tinkering’ given what you have invested overall it’s quite a high percent..happy it’s paid off for you though it just surprised me!
This year I'm going to be reducing my portfolio a bit. I won't be selling anything just stopping investing in some stocks and condensing my money in fewer options. I might be adding a new etf if I can ever decide on one
Thank you so much for your videos. Starting my ISA this month
Good update. Regarding BTC, you can get exposure within a SIPP or ISA indirectly by buying some crypto companies or related ETFs. For example DAGB. Personally I don't currently have any crypto exposure, but never say never. I may buy the next dip.
Cheers for all the advice Toby, your vids helped me leave vanguard & switch to invest engine - keeping it simple / reliable, going to continue pouring into the S&P 500 & diversify only when I feel funky
I'm thinking about buying more gold in 2025. As it think is going to have a great year again.
It may do Matt - but then it can also do whatever it wants! Let's revisit in 12 months time :P
sovereigns?
It’ll be great to see that rebalancing video!
I’ve invested in index funds without fully understanding what exposure I had. For example one of them is 65% invested into the US, and I’m also invested into an S&P index.
It’ll be good to hear how such a portfolio should be rebalanced, if that’s what you’re referring to.
Thank you - I'll be doing this in my next update video for sure :)
Thanks Toby!
@@TobyNewbatt yes id like to see a video on rebalancing too! Would like to know whether its more beneficial to have a portfolio where rebalancing is not needed as if im not wrong rebalancing would then incur fees because you are buying/selling to rebalance ?
Good contect like always. You've been smashing it on trading 212 account with individual stocks. I guess a lot of your followers lime me , are interested toi know what stocks , etf you are using to double your money in such a short of time. Thats absolute genius to get them kind of results. It shows that obviously you are on the ball , and it is all appreciated the advice and the way to go about it. It will be nice to give some hints and how you select the individual stocks for such gains. Like always, your content is appreciated, helpful, and beneficial to a lot of us. Happy New Year, and keep up the good work. 👍
If your married and have a trusted spouse (especially if a low earning spouse), then ensure they also have an ISA to make use of their allowance and also put a proportion of any other stocks and things with divident or interest in their name also. To allow use of their capital gains and other allowances. This assumes you 'trust them' of course. Also only really applicable if you have spare funds and/or other significant stocks such that it is worth splitting the investments or assets this way. Planning ahead ready to minimise inheritence tax liability is then the next step (eg possibly start gifting to children well before the last 7 years of your life). Plus use of spouse exemption etc. Plus pension planning etc
Great video, I am also a ltd company owner and similar age. Do you have any concern over the pension age increasing? I get that putting into a SIPP makes the most sense but if the accessible age becomes 10 years below state pension age, we might be 60-65 before we can access the money, making early retirement a challenge😅
Just started looking into investing as I've wasted a lot of money this year. I know absolutely nothing whatsoever, so a steep learning curve, thank you for the videos, very interesting, if not baffling at this moment in time.
Just take your time - I promise you can understand the key basics it’s not that scary once you know how to
Regarding Vanguard's fee increase, I am happy to pay £4 per month almost doubling my fee but knowing that I am invested in on of the best and diverse global funds on the market at the moment.
@ you can’t buy VAFTGAG on other platforms and I prefer simple investing. Sure, I could invest in VWRP on other platforms, but VAFTGAG has double the companies in its portfolio than VWRP.
😂
Not the ftse global all cap index fund. On interactive investor it works out more expensive unless you've got loads of money invested with them, and they charge to buy and sell ordinary funds, index funds etc
@@Crazydiamond_1974 except the broadest, arguably best, world fund - VAFTGAG
@@fredatlas4396100% with you. Staying with Vanguard without hesitation.
Smart Investing Made Simple: Bitcoin as a Key to Retirement Planning
I recently sold half my tech stock holdings due to all-time highs, leaving me with $400k. Should I invest in ETFs now or wait for a market correction considering potential inflation?
Is Tracy Britt Cool Consulting really that good? Many recommend her expertise.
@@JohnScaife4965 YES SHE TRULY IS! HE'S BEST WE'VE SEEN!
@ColinPyke5123 Thanks for the details 😊
I feel sympathy for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Ms Tracy Britt Cool Consulting I invested $50,000 and received $190,500 after 14 days
Thanks, I have just started investing, albeit later than I should have. Using Invest Engine as a starter and should have watched your video first.
Hello Toby , thank you so much for all your videos, has helped me loads 😊.
Please I have a quick question, I used your code to sign up in T212 but my phone screen look a bit different.. in your up page , I can see “portfolio” writing and your investment/money while mine is showing T212 Stock ISA with my money, and down where you have “investments ” written, before New pie , mine is showing ISA allowance. Abit worried and wondering if there is something I did wrong when signing up ..though I followed your guide in the beginner video. Please can you explain to me .
Made my new pie today , with only one share inside at the moment could that be the problem!
Signed up last week though but reluctant to create pie or use your ready made one as I wanted to learn more before then but tried to create one today as you never know until you try!😂
Thanks again , you’ve been a life changer with your genuine and honest teaching. ❤
You are all fine! Nothing wrong with your app. When I did my demo I used the invest part of the app instead of the ISA part of the app :)
Good luck and take your time, it's simple once you can see what you are doing :)
@ Good morning Toby. Thanks a lot for always responding to my questions and supports to everyone here, really appreciate. Do have a good day and looking forward to new update videos 😂😊
Happy New Year Toby! Thanks for the content and kudos!
Cheers mate
Love the honesty in your investment videos toby 👍
Glad it helps
Thank you. Learning more.
I started my (very patchy) investing journey in crypto 6 years ago, and started inconsistently dabbling into traditional assets in 2021/22. I'm so glad to be learning more, and it's so good to know we can invest from the proceeds of our business company - wish I'd have known this sooner. Will go find your video on investing business cash, so we are ready to go as soon as tax season is finished - better late than never, as they say!
Thanks for sharing and recommending ways to get going, really helps eliminate the kind of overwhelm that has one burying their head in the sand.
No bonds in the portfolio ?
@@kyriakoskitsios nope. I don’t need anything like that. I have decades ahead to invest 👍
Really interesting Toby and my first thought on your whole portfolio is that you are well diversified. I suspect your single stocks have a mag 7 / AI feel about them which would make sense considering the run they have been on / future expectation. Happy New Year and all the best for 2025 👍🏻
Thank you for sharing. i love your videos.
Glad you like them!
Thanks mate. You are appreciated and don’t forget that! Happy Xmas and have a great new year! 😊
Always grateful for your support - same back to you 👍👍👍
Hi Toby. Many thanks for the great content. Are you still looking for a Video Editor?
email me please, I am looking and can give out a video to trial edit.
Thank you for the video. Very clear! I had never "invest" in Cryptos, although I would like to have some to understand how it works and the platforms (not a large sum). As you, I would like to have a few there parked and see what happens, but there is such a bad reputation of the platforms and there are so many doggy videos about cryptos that is difficult to know what platforms to use and the difference between a wallet and an exchange, fees and how to buy some in a secure way. If you could share links it would be great, and if you could make a video it would be even better. Thanks a lot!
Is there ever a time you'd cash out of your ETFs - anticipating a market downturn - then reinvesting during the dip?
@@TroutMaskReplicaa nope never 😀. That’s timing the market. If I knew when the dips were I’d be a multimillionaire. Nobody knows.
Hi Toby, at 10:40 you mentioned there was no way to get bitcoin through an ISA, but there is a bitcoin ETF in america. Im pretty its accessible from the UK
@@AA-pk6fo you can’t buy the US listed bitcoin ETFs and invest in them inside a UK investing account like an isa or a pension. Yes you can buy them through some platforms and you can buy them as CFDs. So sorry you can’t buy it until we get a UK version 👍
Hi Toby, thank you for doing such good videos and very informative. Please tell us what platforms do you use for bitcoins?. Sorry if somebody has asked this question already
Thanks for the prompt response I will see what they say. 👍
What’s your opinion on just copying your invest engine portfolio? I know people should research but these monthly updates you do I feel really showcase everything I should know? Just wanted ur opinion.
When investing in the S+P or any other US stocks, are you using hedged funds to ensure you are not affected if the dollar weakens? If you gained 10% return on the S+P fund, but the dollar drops 10% against the pound, then you would effectively gain nothing?
I know the dollar could also strengthen to the pound, but given the US debt level and their rate of printing money, it seems likely it will weaken in the future.
Just wondering how you manage the FX in general.
Cheers
I don't use hedged funds, hedged investments are making you take a bet either way. I let my DCA strategy earn me the long term average. Sometimes it works in my favour, sometimes it won't. Ultimately you can't control the market of exchnage rates, so this another reason I don't just invest in US, I diversify globally :_
Good video as always Toby.
Thanks 👍
Hey Toby, happy new year to you! Thanks for the content… it’s been extremely informative. I’ve totally cleared out my 30+ individual stocks, it was SO STRESSFUL!!!
I’m now keeping it simple with S&P500, EQQQ and Blue Whale and have 3 of the big boys Nvidia, Palantir and Meta. Hopefully we keep the momentum from 2024 into 2025.
Again great videos.
Thanks Chris :) - Good luck!!
Where can I contact you regarding editor role
Hi how much should I put in for the first time investing thank you for all your support
It’s really up to you. It’s all really about long term thinking so being consistent is far more important than worrying about the amount specifically 👍
@ thanks again 👍
Thanks for the video, I’m about to start investing this year start this month actually but I’m wondering if it’s best to deposit a big chunk of cash for the rest of the year or deposit on monthly basis what do you advise. Again thank you for the great video! Specifically in stocks ISA
The data would say for long term investing you just put all money in at once. But most people won't be able to do that mentally, so you just have to do whatever works for you :)
We can see that the top share is Google ..
Overwatch is your edge, clearly. 🧐🕶😎 Best of luck!
@@beancount811 hahaha that must be it 🤣🤣
Thanks . really...
Welcome!!
woah, really helpful! why did you not want to share what individual stocks you invested in on trading212? I think your videos are some of the best out there! thanks :)
Thanks! The biggest reason is so that people do not blindly copy. No matter what I say people will copy me and that is a terrible way to invest.
Thanks for another great video- you are very dismissive of a GIA but once your ISA allowance is used up what choice do you have?
After an ISA you have the second most powerful investing account to also use, your pension (SIPP). This would always be my preferred route rather than a GIA. But of course you can use a GIA if you've maxed everything out, well done if you manage to do this only a small % of people ever do.
I currently invest in VUSA and thinking of moving to SPX5 given the fee saving of 0.04. What do you think? Both seem to track the S&P similarly
I was advised to diversify my portf0li0 among several assets such as stocks and bonds since this can protect my portf0li0 for retirement of about $150k. I want to know: Do I keep contributing to my portf0li0 in these unstable markets, or do I look into alternative sectors?
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
The professionals currently dominate the market, as they possess both the necessary business strategies and access to insider information that is not available to the public.
- **Index Funds & ETFs**: 40-50%
- **Emerging Markets (e.g., VWO)**: 10-15%
- **Dividend Stocks**: 10-20%
- **Growth Stocks/Small-Caps**: 10-20%
- **REITs**: 5-10%
It’s important to consult a knowledgeable financial professional when starting out to minimize risks and avoid potential losses.
Great video again! Toby, what’s your opinion on S&P 500 information technology over S&P 500
So that's basically a rip of version of the Nasdaq 100. It's past performance has been great but moving forward who knows. It's a lot more concentrated so as long as you realise the risk is higher, there might be potentially higher rewards too :)
@ i suppose it’s hard to pick as I been doing both but they both invest highly into the same top three tech stocks and With the way of the world I’d imagine tech will outperform most going forward
I don’t think it has to be one over the other. My pf is 90% Fidelity Index World which contains a decent amount of Mag7 but the other 10% is L&G Global Tech…obviously that is duplication but I want to be slightly overweight to bigger tech than I can get with the world index.
@@mikew5274 Thanks Mike I’m fairly new to this but learning everyday and upping my investments everyday, I’m slightly confused by the tip of version bit aren’t all S&P 500 followers rip of versions?
@ Ah just clicked 🤦 ishares tech copy’s Nasdaq 100, is that not the same principle as all S&P 500 followers?
Also is there a reason you lean towards vanguard S&P 500 over say ishares ?
I would suggest a Gold ETF, better than equity returns this century, negative correlation to equities ( although not over short time periods).
Hiya, thanks for the video. Why don't you use LISA?
lol thats what i wanna know? you get an automatic free 25% and then you're able to invest the LISA. It's a win win.
Probably because he’s a higher rate tax payer. If you are then the tax relief on a SIPP makes it better.
@@MacroHiker Irrespective, aren't you losing 1 k on LISA per year? Would't it be better 4 k in LISA and 14 k in stock and share ?
If you’re a 40% income taxer payer and you put £4k into a SIPP and claim the full tax relief you’ll get £6666 - so and additional £1666 ontop of the same amount put into a LISA. If you then withdraw the money from your SIPP when you are a basic rate tax payer you should overall pay less tax.
My investments for 2025 . Tesla Palantir nasdaq and l&g global 100😊
Happy New Year Toby. All the best for your investments and also non-finance stuff in 2025 👍
Tried to use your promo code on t212 and it says it's reached it's limit?
Physical gold and silver would be my only add. 😀
Toby, I am now investing £100 every week into the S&P 500. Am I better off putting in £400/£500 on the 1st of each month as more of a lump? or will it not matter in the long term?
@@Dean_R1 the data says that your better off getting money in sooner than later. As the market is moving up most of the time. But it’s really up to you and what you can handle psychologically. Personally I never try and time the market and just get it all in every month as soon as I have the money
@@TobyNewbatt Appreciate the reply - makes sense. I am good with either method, so I will set up a monthly payment. Thanks
Dollar averaging.
Every month after payday.
It's dangerous to mention and I'd never do it, but you can get crypto in an ISA in a sort of loose tracking way by buying Microstrategy.
What the company actually does as core business is secondary to the fact that it keeps almost its entire treasury in Bitcoin. It's therefore valued roughly accordingly.
Caveat emptor.
If you put cash into T212 I think you need to find which banks it is holding the money, you could breach the 85k limit if you already bank with them, just a though, if you had that much. :)
yes it's worth making sure any risks can be removed. I dont hold anywhere near that amount of cash as it should be invested!
Do you plan to switch to putting more money into a SIPP later on in life rather than an ISA to maximise on theTax benefits?
I'll balance ISA investing and SIPP investing to make the most of them - for example from my business I'd love to put more money into my SIPP, but I also want to grow the business too. All about finding the balance and getting that right :)
@@TobyNewbatt I adopted 1/3 mortgage and 2/3 invest only wish I knew what you knew when I was 36 🙂- now I'm mid fifties and playing catch up!
What platform do you use for your Bitcoin?
Do you also invest in a traditional pension? Have you done a video on pensions?
I've done lots of videos on ISA vs Pension etc. and how I invest my money
😊keep up the great work on your video 👍💰
Can't believe I almost missed out on XRP and XAI515K! Thanks for the heads-up in your video!
For as shit as the UK is right now it is amazing that we get ISAs and the lifetime pension allowance. I just wish wages weren't crap, but if you could combine our investment vehicles with growing wages and some financial literacy we would have the wealthiest middle class on earth. It's crazy when you think about it.
I had to chuckle at your bitcoin uncertainty... "it's grown the most and wouldn't it be funny if it was my biggest asset" I personally love crypto, let us know how you get on with your BTC over time, I for one am interested. 😉
Thanks Toby, enjoy your no nonsense, honest videos.
Appreciate any thoughts ...I am 59 retired and have 100K cash sitting in a S&S ISA (no interest). Looking to invest in the ETF All World. With the S&P highs, is it prudent to invest now the lump sum, or drip feed the amount in over say a year in case there is a near time downturn in the market?
Drip and be patient for the dip. Trump will face lots of challenges and opportunities will arise.
Assuming you're not a bot comment, all evidence says lump sum investment historically outperforms drip feed investment as you can never tell when the down turn happens and in the mean time you're losing out on gains while you wait for a down turn.
However drip feeding has psychological benefits such as helping you sleep at night, and that may be worth losing out on some gains.
70% of the time back tested has shown that lump sum wins. Although with you being older and less time to recover from a crash and if it's the only money you have, you may want to look at some percentage of fixed income and not being fully exposed to 100% equities.
You can buy CSH2 money market fund (approx 5%/yr) with that 100K, then every month sell some (say 5K or 10K) and buy an ETF (e.g. SWDA or VNRG). When stock market dives (which it will!) then buy double the amount of ETFs that month. This way you will earn 5% on the cash, dollar cost average into ETFs and benefit on corrections. The amount you convert to ETFs each month is up to you.
Appreciate the comments.
Thanks all.
Especially re: the CSH2 which I didn't know about, and looks a very useful tool to park cash.
Thanks Toby, Great Video
What are your investments in Trading 212?
Would be great to know your strategy in there
Curious why you don’t show anyone your individual holdings? It’s good to be transparent imo
With a platform comes a lot of responsibility. Showing the holdings will mean people will copy what I'm investing in, regardless of me telling people not to. And although the past performance has been great, this is not useful for trying to tell the future. This channel is also dedicated to helping beginners, stock investing is not something people should be focussed as their first port of call. If you want to buy stocks you should be deciding them for yourself. There are also too many grifters on this platform who claim to know what to buy, I'm not going to be one of them :)
Thanks for sharing your portfolio.
I currently have my pension contributions going into a workplace Nest scheme, it doesn’t seem to grow as fast as I would expect and I realise it’s lower risk. Is it possible to have my workplace contributions placed elsewhere which could improve its growth? Thanks
You have the right to move your pension to another provider BUT as nest is your employer one the best you could do is change your investment choices. Also check with nest to see the minimum amount needed to maintain your pension…sorry it’s a bit of a complicated answer
@ Thanks, I had a thought it might just be I need to move it in my nest profile to a more higher risk investment. I’ve been wondering if it is wise for me to raise my pension contributions as obviously I can’t 75% of it till I’m 68 and although I’m 50 I don’t intend to work till I’m 68 and don’t want to put too much money where I can’t get it till 68 so want to max out my s&s isa every year instead as it gives me access when I need it.
@@TobyNewbattof the back of this I’m going employed to self employed eventually limited, would there be any complications moving my nest pension to a vanguard sipp pension.
Even in the volatility, I still see XAI515K coming out strong 🚀
Im from India investing in shares save scheme in standard chartered Bank the scheme maturity in next two years , is okay to hold the shares of this bank for long term like 2 or 3 yrs or take the whatever profits? Since im from ind no idea how UK market is doing right now plz suggest is it good to hold the shares, i see the share price of this has fallen from 1700 GBX in the past dont know the reason. Pls reply
Probably best to ask on a Indian investment channel vs UK
Hi Toby I can't seem to find the link to invest engine? I'm a new subscriber.
I started investing 18 months ago after watching one of your videos and I have enjoyed your content since! As an overview I primarily invest in the S&P500 and have a few companies I invest in separately covering areas of interest to me. However, I would like to invest a percentage in another index fund (outwith the S&P), are you aware of any emerging markets / all world acc funds that exclude the S&P? I only use trading 212 and don't plan to open up any other accounts. Did a bit of research but can't seem to find anything that suits.
Hey, new investor here. Starting later than others, UK based (not that it matters where I live). Starting to invest is super overwhelming. I dont have massive income, around 1900 a month. Lets says I only need 1k of that for bills/food and what not. I have currently been putting 250 a month spread into VUAG/FTSE. I also want to buy standalone stocks (not a lot, but some, also after some research). But just wanted to ask in here, is what I am doing okay? Should I do more/less. Different index etc?
Hi Toby. Is SPXL in Investengine a normal S&P 500 3x leverage or just a normal one? Can't see much info about this. Thank you.
It's normal one for us here in the UK (BUT in the US there is a fund with the same name that is leveraged!) Here is where the confusion lies :)
@TobyNewbatt Ah thanks for the info Toby. I've started ISA with this fund in IE from Vanguard. Happy new year!
Would it be better to invest a lump sum of 10k into the S&P 500 now, or DCA that 10k over the next few years?
Lump sum.
The data always says lump sum is better in the long term. But it’s up to you as most people could not just lump sum without worrying so much about their investments they end up panic selling
@TobyNewbatt Hi there. Thank you for all the content you provide on this platform. Just wondering if you can do a video on why certain etf like SCHD/VOO/QQQM you know the ones are only accessible via trading 212 CFD account. These seem to be very popular in America. What are uk options for these?
Would need a separate video - but they are US ETFs, there are UK equivalents not exact ones.
Invest Engine now has a flexible s&s ISA😊
Yes indeed it does
@TobyNewbatt We'll probably-with a bit of luck- get 18months of frictionless investing from Invest Engine, before they decide to do the dirty as well..waiting for the mass exodus to other platforms then😂😂😂😂😂😂 Hey Hooo
being single and childfree has been the smartest financial move i could make, i can afford to invest half my salary, pay my mortgage (still at least 20yrs to go), pay all my bills and afford a highish standard of living without compromise.
No way to get Bitcoin into an ISA? What about MicroStrategy or ETFs like DAPP and DAGB or WBLK or BCHN (probably others)? I have DAGB (60% gain in 1 yr) in my ISA. Not that I am recommending it or hold any substantial amount as it is too volatile for mid-term investment!
Yes you can add any of those in to an ISA but that is not the same as owning Bitcoin. For example, adding in Microstrategy is an enormous risk. It's a highly leveraged business that still has market risk, whereas holding BTC directly does not carry the same risks. MS could go bust. Likewise any of those ETFs might give oyu indirect exposure but they all carry company risk which negates the point of holding BTC in my view :)
Havent the UK gov just said that some fractional shares will be open to tax in the coming year?
@@smiffyb25 nope that’s about 2 year old news. Fractional are all fine since last budget 👍
@TobyNewbatt thank you. Loving the videos.
Forgive me if this is a stupid question. But I thought you could only invest money in to one S&S ISA per year, so how are you depositing in two accounts?
@@gdjk1420 those used to be the old rules but they were changed all the way back in April 2024 😇. It’s much better now.
@ appreciate the quick reply. So weird that everything was telling me the opposite. That’s great!
Any reason you choose not to use a LISA?
Surely the 25% uplift and no tax on withdrawal (at 60) makes it a great priduct to sit alongside your SIPP?
the LISA is a great product, however it uses up part of my ISA allowance - which I am likely able to max out this financial year. I'd rather have the flexibility of the ISA in case I want to use money before retirement. It's not an easy call though :)
Toby if I already have a cash ISA and have invested my £20k for 2024 but would like to open an account with invest engine, wouldn't my £100 account opening investment take me over my tax free limit? How do I open an account without issues?
Good question - I am not 100% sure, I think your transfer would count. Maybe shoot IE a message to confirm?
@TobyNewbatt IE got back to me a suggested I open a general account and then transfer the accumulated funds to an ISA account when the new financial year starts but not before. 👍
Another fabulous video...🎉🎉🎉
Congratulations on your investment s ❤❤❤❤❤
I have had bitcoin from 2016 , when i was paying $456 .
Just like you i stopped investing a while back and the only mistake was , i shouid have bought more .
Still happy with holding almost 6 bit coins 🤑
Technically i own more , as i have been investing in micro strategy for over 5 years now .
All in my ISA'S.
Given some great advice on how to get bitcoins into an ISA and took the wonderful advice .❤❤❤❤
Keep the good work up and have a fabulous New year 🍾🍾🍾🍾🍾🥂👍🥰
Your brother sent me here - great video quality -Toby! I need an editing lesson I think. We've got the same PC case by the way! 😁
Thanks Jim! Good luck with your channel too :) - go get Overwatch!
@@TobyNewbatt Ha, I must!!
Hiya love your videos been following the channel recently. I wanted to ask a quick question, you say in the video that you use a trading 212 general investment account to save your cash as an emergency account. However isn't a general investment account subject to tax on the way out?
Yes - a gia is taxable. I don’t make enough interest on cash to have any taxes paid. Everyone gets £500 savings interest allowance per year. So not a concern for me 👍👍👍
what if invest engine goes into administration long-term wise ?
@@oscarringys3798 I did a video about what happens if any broker went bust worth a watch
I have 25k in stocks and to much in crypto , if i withdraw and max my isa before April do i gave to pay on previous gains if ive technicaly not gained as i reinvesyed
SPDR MSCI ACWI (mentioned in Monevator's best Global funds) dropped its OCF to 0.12% in August 2024. This makes it cheaper even than most custom All World funds made from individual Vanguard ETFs. Is it one you'd consider switching to, to avoid the faff of having to rebalance, and potentially to be cheaper anyway? It is large enough, and been around for long enough, to be able to be compared, and is very comparable.
It's a reasonable suggestion! Also might be worth a look into for a future video on some of the best ETFs!
@@TobyNewbatt thanks for taking the time to reply :) For a pension HSBC's All World (also 0.12% OCF, and OEIC rather than an ETF) is still what I would pick, as ETFs are still listed as not covered under FSCS investment protection (even if cash in the account is under FSCS cash protection) - and its a grey enough area that for peace of mind avoiding ETFs makes sense for me. For a S&S ISA, where ETF-only providers can often be cheaper (at least at lower portfolio values) I'd be happy to use ACWI - and likely will for 2025 unless anything else comes along. Thanks as always for the videos.
Toby, surely being self employed a lifetime isa offers you an incredible advantage over pension(regarding no tax at drawdown), how come you don't have one?
The LISA is great for sure - but then it also uses up my ISA allowance which I will likely max out this year. I'd rather have the flexibility of the ISA allowing me to take money out before retirement.
Also - as a director, I'm using my SIPP as a very tax-efficient way for retirement (no corp tax, no personal tax to get the money out of the business). Money into my LISA would have been taxed by corp tax AND taxed on my dividends rate.
@@TobyNewbatt Thanks Toby. Hope you have a great 2025, really enjoyed your work this year.
Hope you have a great new year Toby. Have you ever thought of a ssas pension being a ltd company owner for added flexibility? Also a Lisa for post 60 bridge to assist pension with no tax liability?
2 funds that I have invested in and will add to due to Trump favouring US domestic companies -Premier Miton US Opportunities fund Acc.and Artemis US smaller companies fund Acc
There are a few pension companies who have started investing in Bitcoin
Hello :) can I ask why you don’t use the stocks and shares Lisa as part of your portfolio?
I’ve been using mine but I have only recently started investing. Im worried I’m missing something as I don’t hear of many using it as a retirement account (I do have a sip also)
As a retirement account it’s pretty good - for me the only reason is that I’d rather use my entire ISA allowance for S&S as I’m lucky enough to be able to max it out or get very close! Im then able to use my company money for my pension so I balance both types of investments carefully
@@TobyNewbatt I’m on track to max out my isa for the second year in a row but I’m not going to lie most of that is held in cash. I do plan to drip feed this in to a stocks and shares isa when I’m more confident in what I am doing :)
I was planning to max out my lifetime every year within the 20k allowance but I’m not sure if this is the best thing to do.
Thank you for your reply
Hi Toby, you may remember we had a call before Xmas and you suggested I make a UA-cam channel? Well, I did (well, repurposed my decades dead one). Fist vid went live last night! (Self edited too). Thank you again for the chat and pointers!
Amazing!!! Now keep up the good work congratulations on getting it up and running!! 😎
@@TobyNewbatt Thanks Toby, also got a great channel niche for my other half too. So if we ever become millionaires from it, I'll be sure to send you a bottle of the finest champagne money can buy! :D Also decided to split my savings 50/50 between SIPP and SS ISA - i mean 20% tax-back is not to be sniffed at for all it's compound interest/dividend creating power. :D