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.
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
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!
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
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
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.
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 :)
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
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.
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.
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
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.
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.
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. 😉
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. :)
What other platform options are there to invest your pension into ETFs if your a limited company director and not over the vanguard cap in your current pension
The uninvested cash is the same rate as their cash isa on T212. The only difference is for some reason uninvested cash on the stocks and shares ISA is held in banks and QMMFs whereas they are held in only banks in the cash ISA section.
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 👍👍👍
How come you don't get a LISA? 25% guaranteed gain before you even start investing seems a no brainer, especially with how much you are putting into ISAs?
@@caracal9458 I’m going to max out my ISA allowance so I want to use the S&S side. lISA is excellent though. But there’s no flexibility to take it out early if you want to
@TobyNewbatt still makes sense to put 4k in a stocks and shares isa though and stick it in an etf. If the goal is long term what does it matter if that portion can't be accessed until 60?
@@samwfeefeg6588 It makes a huge difference if you want that money at 55, 52, or any age :) - a LISA is great but it's not magic. If I want to buy a house with my investments or some other big purchase and I can't have any money until 60 that wont work for me :)
Out of interest, is the fact your portfolio is 100% equity with no bonds/gilts a personal choice? Just starting to invest and everywhere recommends a percentage of bonds depending on your risk levels.
Traditionally you are correct that a portfolio of 100% equity is on the riskier side. At my stage I’m very happy with this. Important to find what works for you though. Bonds are also not immune to market shocks like we saw in 2022.
@TobyNewbatt but you can just transfer from the cash isa to the s&s isa according as you want to invest it, what would be the problem with the allowance? I am interested in knowing this. Thanks Toby
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.
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 👍🏻
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 :)
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. 👍
thanks alot. Was going to enable the cash interest on 212 and noticed the disclaimer around the cash being used in QMMFs which could be a risk..thoughts?
Doesn’t concern me personally this is a risk you need to be aware of. Money market funds are a relatively safe investment. If you want the protection then you would need to use their cash isa 👍
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?
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.
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?
In your eft portfolio, isnt the waitage on US stocks more? As S&P 500 and developed funds are overlapping. And the developed markets fund also has Japan and FTSE. Is it not same to consolidate all 4 into one etf- debeloped markets??
Hi Toby - curious why you chose Vanguard for your majority pension as opposed to invest engine? I'm thinking of opening a S&S ISA, SIPP and business investment account with IE. Thanks.
IE did not have a pension account when I moved to Vanguard, they also do not accept paying in from a limited company yet :) - which is the biggest thing I need at the moment. I'm always open to move when required as I've said in many videos :)
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.
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 🍾🍾🍾🍾🍾🥂👍🥰
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
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 👍
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 ?
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.
@@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.
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.
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 :)
@@abdulrahmanmoha8796 I don’t want to influence anyone is the main reason. Also I want to keep the important reminder that most people need to start with far less risky investments!
He has been very clear about not offering financial advice. He has said picking individual funds is far riskier - so I don’t blame him. He has a big subscriber base and could be seen as manipulating them. And they could go down. Recommending Tracked S&P500 is one thing. Recommending individual shares are against the core message of his videos and a bridge too far.
Cheers Toby i have T212 & invest eng & a Vanguard ISA which i moved an older account into to save fees though they appear to have lost the plot and after their awful service transferring in a couple of years ago i am more than happy to transfer that to invest engine. I assume as you are a young guy you utilise the LISA whats your approach there? Not a crypto fan myself as when you want to redeem it and there are no buyers who is guaranteeing you get paid out seems like investing in fresh air to me.
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.
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
It used to be that you couldn't open more than one ISA in a financial year. That has now changed and you can open as many as you like as long as you only put in the max of 20k across all platforms!
Maybe in the future - but honestly it's so easy. If you ever want to move platforms you go to the new platform, set up an account and you initiate the transfer from your new platform. Super simple and everything in the background is taken care of.
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
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?
@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. 👍
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!
@@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
Depends, you can still outperform the LISA with the standard S&S ISA. If you use a stocks and shares LISA however that's a really good option for growth. My LISA is cash isa version so it's just a slow grow tucked away fund. Which is fine, because if shit really hits the fan and I need more than my emergency fund then I can grab that money and take the withdrawal penalty hit even if that isn't ideal.
@@Mileshals S+S ISA is always tax free so swings and roundabouts really. They both work pretty similarly! I think the regular ISA is better just because you can withdraw without penalty anytime.
How comes you don’t pay into a LISA, Toby? You can make an account even if you are a homeowner. You’re missing out on 25% free from the government every year!?!
Toby, I’ve two small work pensions that I’m not happy with - fees are high / limited choices of funds etc. Set about consolidating into one, Legal & General refusing to accept transfer in of the other pension as I’m no longer a U.K. resident. They shouldn’t be allowed to do this. I can understand I can’t access it until a certain age, but, if I’m not happy with the fees and how my money is managed, I should be able to address this shouldn’t I?
Hi Toby, thanks for the video and an envious position to be in, well done to you! can you do a video on covered call ETFs? For example JEPI, JEPQ, JGGI? I’m very interested in them but can’t tell if it’s a con
Nothing happens. Your allowance is reset to £20k and it’s up to you manage that across all of your ISA accounts. Trading 212 will not know where else you are investing your money or which other accounts you have.
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.
Just the video I've been looking forward to. Good luck to all investors in 2025.
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 buy Vanguard funds on all platforms though
@ 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
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!
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
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
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
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.
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
I would suggest a Gold ETF, better than equity returns this century, negative correlation to equities ( although not over short time periods).
What platform do you use for your Bitcoin?
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.
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
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.
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
Thanks Toby, Great Video
What are your investments in Trading 212?
Would be great to know your strategy in there
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.
Brilliant video, Toby. Super interesting and amazing gains on the T212 portfolio :)
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.
Do you still have your Hargreaves and Lansdown individual shares portfolio?
Nope that was moved a long time ago and was put into trading 212
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. 😉
Why do you exclude a lifetime ISA from your portfolio?
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!
Does anyone know if aj bell or vanguard is cheaper for the ftse global all cap ?
Any recommendations on a stocks and shares Lisa - currently sits in a cash Lisa
What other platform options are there to invest your pension into ETFs if your a limited company director and not over the vanguard cap in your current pension
Not sure at the top of my head, you'd need to google SIPPs that allow company contributions (im gonna assume its just the legacy main platforms)
We can see that the top share is Google ..
Thank you for sharing. i love your videos.
Glad you like them!
VWRP or VWRL?
I've had good performances with latter
They are the same fund but VWRP is the one that reinvested dividends so once you factor that in the performance is identical.
What sort of allocation do you have in bitcoin?
Also could you explain bit more on the uninvested cash in trading 212 what is the interest? Is it not same as keeping in cash isa?
The uninvested cash is the same rate as their cash isa on T212. The only difference is for some reason uninvested cash on the stocks and shares ISA is held in banks and QMMFs whereas they are held in only banks in the cash ISA section.
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 👍👍👍
Would you consider a NASDAQ etf?
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?
How come you don't get a LISA?
25% guaranteed gain before you even start investing seems a no brainer, especially with how much you are putting into ISAs?
@@caracal9458 I’m going to max out my ISA allowance so I want to use the S&S side. lISA is excellent though. But there’s no flexibility to take it out early if you want to
@TobyNewbatt still makes sense to put 4k in a stocks and shares isa though and stick it in an etf. If the goal is long term what does it matter if that portion can't be accessed until 60?
@@samwfeefeg6588 It makes a huge difference if you want that money at 55, 52, or any age :) - a LISA is great but it's not magic. If I want to buy a house with my investments or some other big purchase and I can't have any money until 60 that wont work for me :)
Thanks for the prompt response I will see what they say. 👍
Out of interest, is the fact your portfolio is 100% equity with no bonds/gilts a personal choice? Just starting to invest and everywhere recommends a percentage of bonds depending on your risk levels.
Traditionally you are correct that a portfolio of 100% equity is on the riskier side. At my stage I’m very happy with this. Important to find what works for you though. Bonds are also not immune to market shocks like we saw in 2022.
Isn't your unimvested money more secure in the t212 cash Isa than in the s&s Isa? The interest they pay is the same
Correct but an ISA uses my allowance. I prefer to use the allowance for long term gains as I’m likely able to max it out this year 👍
@TobyNewbatt but you can just transfer from the cash isa to the s&s isa according as you want to invest it, what would be the problem with the allowance? I am interested in knowing this. Thanks Toby
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.
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 👍🏻
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!
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 :)
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. 👍
Can you let us know what are your 212 pie products?
Not for now, maybe one day. I don't want people copying my individual stocks when I'm trying to help mostly beginners.
You can get tax sheltered investments as a Bitcoin proxy in your ISA/SIPP - Coinbase shares, BTC miners etc - not recommending, just saying!
thanks alot. Was going to enable the cash interest on 212 and noticed the disclaimer around the cash being used in QMMFs which could be a risk..thoughts?
Doesn’t concern me personally this is a risk you need to be aware of. Money market funds are a relatively safe investment. If you want the protection then you would need to use their cash isa 👍
@ok makes sense. Thanks for the response
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.
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?
Hi Toby could you share the link for where you buy bitcoins please
I’ve used reputable firms like Coinbase before to buy my crypto and now I hold it offline on a Ledger wallet. Just stay safe out there 👍
Whats the code for the NASDAQ etf on 212 anyone please 🙏
One option is EQQQ - please double check though :)
In your eft portfolio, isnt the waitage on US stocks more? As S&P 500 and developed funds are overlapping.
And the developed markets fund also has Japan and FTSE. Is it not same to consolidate all 4 into one etf- debeloped markets??
Hi Toby - curious why you chose Vanguard for your majority pension as opposed to invest engine? I'm thinking of opening a S&S ISA, SIPP and business investment account with IE. Thanks.
IE did not have a pension account when I moved to Vanguard, they also do not accept paying in from a limited company yet :) - which is the biggest thing I need at the moment. I'm always open to move when required as I've said in many videos :)
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
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 🍾🍾🍾🍾🍾🥂👍🥰
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
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 👍
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 ?
What aren't you using a lifetime ISA? With the contribution boost surely this is a no brainer?
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.
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 👍👍👍
I see Bitcoin and I feel certain AI and a Quantum computer could be a substantial challenge to the security of it.
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.
Bitcoin through 2025, then high yield ETFs through the bear market 26’-27’ that's my plan.
- **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.
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!
Love the honesty in your investment videos toby 👍
Glad it helps
Why don't you share the individual stocks you gave invested in?
@@abdulrahmanmoha8796 I don’t want to influence anyone is the main reason. Also I want to keep the important reminder that most people need to start with far less risky investments!
He has been very clear about not offering financial advice. He has said picking individual funds is far riskier - so I don’t blame him. He has a big subscriber base and could be seen as manipulating them. And they could go down. Recommending Tracked S&P500 is one thing. Recommending individual shares are against the core message of his videos and a bridge too far.
Cheers Toby i have T212 & invest eng & a Vanguard ISA which i moved an older account into to save fees though they appear to have lost the plot and after their awful service transferring in a couple of years ago i am more than happy to transfer that to invest engine.
I assume as you are a young guy you utilise the LISA whats your approach there?
Not a crypto fan myself as when you want to redeem it and there are no buyers who is guaranteeing you get paid out seems like investing in fresh air to me.
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.
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
Is student loan considered a debt?
There are a few pension companies who have started investing in Bitcoin
Great video, as always. Regarding Trading 212. Can you move stocks in a general account to an ISA account? Thanks
No, you have to liquidate your Invest stocks, then you can move the cash to your ISA
@paulyoung22 Thanks 👍
How are you paying into 2 stocks and shares ISAs in the same year? Didnt think that was allowed?
Can have as many as you like aslong as not taking it above the 20k a year new money.
It used to be that you couldn't open more than one ISA in a financial year. That has now changed and you can open as many as you like as long as you only put in the max of 20k across all platforms!
@@tmax259 Fantastic! So across different platforms not multiple on lets say Trading212?
Pretty sure Bitcoin will overtake all your other investments combined! Any idea if we'll ever see the UK relax rules on Crypto ETF's?
Even in the volatility, I still see XAI515K coming out strong 🚀
Any content on how best to move S&S ISA from for example HL to T212?
Maybe in the future - but honestly it's so easy. If you ever want to move platforms you go to the new platform, set up an account and you initiate the transfer from your new platform. Super simple and everything in the background is taken care of.
My investments for 2025 . Tesla Palantir nasdaq and l&g global 100😊
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
Is Invest Engine good for S&P 500?
There’s many S&P 500 funds on that platform if that’s what you mean 👍
@ yeah. I was going to join Vanguard but they charge £4 a month now.
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. 👍
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
Hi Toby, why don’t you use a LISA out of interest? It’s a great retirement planning vehicle :)
Plus a free £1k when you maximise it each year!
Depends, you can still outperform the LISA with the standard S&S ISA. If you use a stocks and shares LISA however that's a really good option for growth. My LISA is cash isa version so it's just a slow grow tucked away fund. Which is fine, because if shit really hits the fan and I need more than my emergency fund then I can grab that money and take the withdrawal penalty hit even if that isn't ideal.
@ s&s Lisa is what I was referring too. Completely tax free from the age of 60 so a fantastic option for growth alongside a pension.
@@Mileshals S+S ISA is always tax free so swings and roundabouts really. They both work pretty similarly! I think the regular ISA is better just because you can withdraw without penalty anytime.
@ you’re forgetting the 25% bonus on the Lisa which you don’t get on the ISA.
Can't believe I almost missed out on XRP and XAI515K! Thanks for the heads-up in your video!
Where do you buy crypto tho?
I personally hold my bitcoin using Ledger. And have bought it from places like Coinbase and Nexo before
Can you please share your invest engine portfolio outline?
I do an update every month every video is on my channel 👍
Must be some correlation between us index fund investors and OW players....must be!
Hahahahaha
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?
😊keep up the great work on your video 👍💰
Overwatch is your edge, clearly. 🧐🕶😎 Best of luck!
@@beancount811 hahaha that must be it 🤣🤣
How comes you don’t pay into a LISA, Toby? You can make an account even if you are a homeowner. You’re missing out on 25% free from the government every year!?!
Good video as always Toby.
Thanks 👍
Outside of my mortgage, I have no debt...
Well, so you are in debt.
Weird take but thanks for watching :), go get yourself a coffee.
Toby, I’ve two small work pensions that I’m not happy with - fees are high / limited choices of funds etc.
Set about consolidating into one, Legal & General refusing to accept transfer in of the other pension as I’m no longer a U.K. resident.
They shouldn’t be allowed to do this.
I can understand I can’t access it until a certain age, but, if I’m not happy with the fees and how my money is managed, I should be able to address this shouldn’t I?
Some solid gold,,,,,, and since you seem a nice chap, perhaps you should invest in growing your own career for old age,,,, a child a two 😀
In T212 he has 129% return
No way!
"Here's What I'm Buying" *hides stocks*
Plenty of grifters on UA-cam pumping stocks im not joining them 👍🤢
@TobyNewbatt then your title is false advertising isn't it
Why would anyone declare a gain on the sale of their Bitcoins?
Its CGT you can't hide it.
So they don't get... fined for tax avoidance? Can just sell under the allowance to avoid CGT though.
@@dooooooo123 you mean “evasion “
@@Bossman525 haha. How would they know you have any?
@@MARTINA-gc3tq It's on your asset records when you cash in.
Hi Toby, thanks for the video and an envious position to be in, well done to you! can you do a video on covered call ETFs? For example JEPI, JEPQ, JGGI? I’m very interested in them but can’t tell if it’s a con
Good video idea thanks
Cheeky question: why do you make plans based on a revolution around the sun? 😉
because it's a big shiny beautiful ball of explosions! :P why not
Good Video My thoughts BTC will out perform your other investments over the long-term providing you hold beyond 2035
It may very well do - I'll be sure to keep everyone posted if thats the case!
What happens with your stock and shares ISA in say, 212 when the year rolls over?
Nothing happens. Your allowance is reset to £20k and it’s up to you manage that across all of your ISA accounts. Trading 212 will not know where else you are investing your money or which other accounts you have.