How Many Index Funds Do You Really Need?

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  • Опубліковано 19 бер 2024
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КОМЕНТАРІ • 193

  • @BaronGitanoCafe
    @BaronGitanoCafe 2 місяці тому +19

    Great info! To sum it up: Stick to prepackaged food, add water, and just heat it up.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +3

      TLDR - great summary hahaha

  • @tommckenna5562
    @tommckenna5562 2 місяці тому +1

    Really insightful mate, thank you. Been debating investing in VWRL however I already hold an S & P ETF, no longer stressing about missing out👍🏻

  • @Rashbains888
    @Rashbains888 2 місяці тому +1

    Hi Toby, great vid!! Have you covered the best AI or Tech index funds?

  • @Abdul_Rahman86
    @Abdul_Rahman86 2 місяці тому +6

    When I first started investing, my portfolio was like 70% SP500 and 30% mix of other index funds. I was collecting index funds like they were Pokémon. I decided that my decisions were based on emotions and whatever news I came across. So I only invest in 2. Global all cap and VHYL. I like dividends because of psychological impact on me and also the lack of volatility

  • @MikeRepluk
    @MikeRepluk 2 місяці тому

    Great video thank you. What's your thoughts on SCHD?

  • @paulevans1139
    @paulevans1139 2 місяці тому +1

    Great video, appreciate the work you put in with the analogy and graphics 👍🏻

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      I've now got pictures of garlic saved for any video I want haha

  • @mooremoneymakin
    @mooremoneymakin 2 місяці тому +3

    Love this analogy! Globally diversified index funds FTW 😃.

  • @phamson7733
    @phamson7733 2 місяці тому

    Which trading platform should I use to buy ETF pleases ❤

  • @comfortzone5618
    @comfortzone5618 2 місяці тому

    Thank you Toby! This was very clear.

  • @jonathanholmes7922
    @jonathanholmes7922 2 місяці тому

    Great video thanks. Definitely need to tidy my portfolio up. So many similar funds etc . 👍

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      a good clearout not and then works wonders :)

  • @sirzee75
    @sirzee75 2 місяці тому

    Classic video Tony ! So much sensible info ...again ! I'm ready for Tiramisu now 😂😂

  • @adamcunningham6746
    @adamcunningham6746 2 місяці тому +2

    Thanks Toby, great video and very well explained 👍

  • @salopstocks8667
    @salopstocks8667 2 місяці тому +1

    I’m all in 100% the (newish) Invesco All World accumulating ETF. It’s a little bit cheaper than the Vanguard VWRP equivalent but obviously still a small fund at the moment. It’s great to buy whole shares for under a fiver rather than the nearly £100 VWRP!

  • @samy5587
    @samy5587 2 місяці тому +2

    Great analogy👍

  • @UKGeezer
    @UKGeezer 2 місяці тому +1

    Like the food analogy, luckily I've just eaten so not hungry after that. I do have a few ETFs but they're for different regions that cover N America, Europe, Japan and Emerging markets.. I like having a little control over the weighting in each region, but tend to usually just rebalance once a year.

  • @gaskiller16896
    @gaskiller16896 2 місяці тому +1

    I’m new to investing and able to put a decent amount away each month. I have a stocks and shares ISA but I’m nowhere near my 20k limit yet. Is it worth me just continuing to fill the ISA before investing elsewhere or should I invest in an index fund outside of my ISA and split my available cash? Thanks!

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      My view is to always focus on maximising your ISA first. Otherwise anything outside of it is liable for taxes. Inside the ISA you can invest in everything you like :)

  • @coderider3022
    @coderider3022 2 місяці тому +2

    Yip, avoid picking anything unless you’re sure you know what’s your doing and basically no one does.

  • @brownfox3180
    @brownfox3180 2 місяці тому +1

    Another fantastic video, cheers Toby 🍝 On the topic of crypto; have you done any deep dives into that side of investing? Would be interesting to hear your take

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      Nothing deep dive but I did a video last week on Bitcoin but It's not the most popular topic!

  • @Banthah
    @Banthah 2 місяці тому

    Great video Toby thanks for posting.
    I’m about 3 years away from retiring. Currently I’m around 30% property, although I am in the process of selling that and will create a bond (specifically gilt) ladder, 5% cash, 65% equity (of which 65% is USA). I think I have a half decent spread to see me through…

  • @user-wl7jy9wu9m
    @user-wl7jy9wu9m 2 місяці тому +1

    Another great informative video Toby...love the J L Collins " Simple Path to Wealth "angle.. Keep it simple.. I totally agree. keep up the good work

  • @Nova2Yung
    @Nova2Yung 2 місяці тому +8

    I buy EVERYTHING and hold it FOREVER , Jack bogle paved the way for us

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      yes he did indeed. a true legend!

    • @johnB11ify
      @johnB11ify Місяць тому

      Ha ha yeah but just before he died he pondered if he had created a monster. Because when everyone gets in, time to get out. Get ready for the crash!!! BOOOMM

    • @TobyNewbatt
      @TobyNewbatt  Місяць тому +1

      @@johnB11ify There's no danger of everyone buying index funds - the active market is huge and every buyer needs a seller. The incentives are massive and there's a huge amount at stake. The market has many players with many different goals. Passive index fund investing allows you to take advantage of this :)

    • @johnB11ify
      @johnB11ify Місяць тому

      @@TobyNewbatt okay, I can't wait to see if you are still posting when the highs are lows. You've never lived through a rough market, so your options will change when your on the flight or chase. You won't be so positive then.

    • @TobyNewbatt
      @TobyNewbatt  Місяць тому +1

      @@johnB11ify so just to be very clear. In down market you expect active stock picking to win? You realise that the chances are even lower then. I don’t promise or hope for anything I just want the returns of the market minus fees. Good luck trying to time and guess what’s good to invest in. I hope you see the issue 😀

  • @rainerguenzel7802
    @rainerguenzel7802 2 місяці тому +7

    Thank you 🎉- single global fund is the way to go.

    • @spartacus4929
      @spartacus4929 2 місяці тому +1

      yes....but ex uk

    • @Nova2Yung
      @Nova2Yung 2 місяці тому

      Top G

    • @larsenb4803
      @larsenb4803 2 місяці тому +1

      FTSE 100 up 2% today

    • @Nova2Yung
      @Nova2Yung 2 місяці тому

      @@larsenb4803 we’ll see how long it lasts !

  • @kevinu.k.7042
    @kevinu.k.7042 2 місяці тому

    Great video - Thanks

  • @mattw.w.7262
    @mattw.w.7262 2 місяці тому +2

    VWRL and chill 😎

  • @user-mw2oe6xc7u
    @user-mw2oe6xc7u 2 місяці тому +5

    Thanks toby , I sleep easy , s and p 500 only , long term gentle gains 👍🏻

    • @1292liam
      @1292liam 2 місяці тому

      I want aggressive gains with XLKQ

  • @JacoBrownolymetal666
    @JacoBrownolymetal666 2 місяці тому +2

    VWRL and Bitcoin - end of ❤

  • @chriswarburton1956
    @chriswarburton1956 2 місяці тому

    Well said Toby 👌👏

  • @TheNicoliyah
    @TheNicoliyah 2 місяці тому +1

    I have an S&P500, FTSE100, Europe index, emerging markets & a global bond fund

  • @valerienewbatt9678
    @valerienewbatt9678 2 місяці тому

    Very good video Toby

  • @quokkapirquish6825
    @quokkapirquish6825 2 місяці тому +26

    493 of the S&P 500 companies have not grown since Covid, they’re only now starting to wake up. The S and P 500 is going to go nuts this year.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +6

      Starting to go crazy now isn’t it!!

    • @riddlergorshin
      @riddlergorshin 2 місяці тому +1

      I’m not so sure. The S&P is at its highest valuation since 1929..

    • @quokkapirquish6825
      @quokkapirquish6825 2 місяці тому +1

      @@TobyNewbatt oh yes. Index is at 5225 today, which is astonishing.

    • @1292liam
      @1292liam 2 місяці тому +1

      yeh, the 493 will wake and top 10 might cool a bit ..sometime anyway! its all gravy

    • @bob1234881
      @bob1234881 2 місяці тому

      Wow. That's why I'm doing so well. When the sell 😊

  • @hustlinhitch
    @hustlinhitch 2 місяці тому +2

    I have just VWRL.

  • @ryanmilner7169
    @ryanmilner7169 2 місяці тому +2

    Global all cap 80% nasdaq 20%

  • @drew_peabawlz
    @drew_peabawlz 2 місяці тому

    Do they do things as technology only index funds or renewable index funds.
    I could look but chancing the hand at asking 😊

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      There's an index fund for literally every single sector out there just have a quick google :)

  • @UndisturbedMonk
    @UndisturbedMonk 2 місяці тому +3

    50/50 US Tech fund and S&P 500 has worked for me

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      Certainly had the recent boom on your side there!

  • @VegasMilgauss
    @VegasMilgauss 2 місяці тому +1

    Nothing has or will ever beat the S&P 500 in terms of cost or performance - not my words Michael.. the words of top gear magazine.

  • @metro1361
    @metro1361 2 місяці тому

    Is Berkshire Hathaway better than S&P 500 or other indexes

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      In the past it’s done very well. But now it’s mostly Apple anyway. Moving forward…I thibk it will be very hard for it to outperform

  • @melannefranks5525
    @melannefranks5525 2 місяці тому

    I've just started and think I've done too many on impulse. So this is appreciated.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      All good - we've all done it trust me! Simple is best :)

  • @ydz5286
    @ydz5286 2 місяці тому

    i just put all my money in ftse devleoped ex uk vanguard am i doing it right and if not how do i diversify

    • @adrianl5899
      @adrianl5899 2 місяці тому +1

      If you've identified that fund alone meets your needs then it is not wrong.
      If however you wish to geographically diversify while being 100% equities, then you're currently missing emerging markets and the UK.
      As there is also no small cap coverage, that's another area currently missing.
      All together, this may take up about 15-20% of new allocations within the the entire equities porfolio, if matching with say the all-cap index.
      If not wanting 100% equity, then high quality government bonds are usually seen as a diversifier.
      Your portfolio ahould match your aims, time horizon and risk appetite, which you'll need to work out to know how to proceed. Good luck.

  • @oddbeat5693
    @oddbeat5693 Місяць тому

    Would investing in both VOO and FXAIX be a redundancy of ingredients?

    • @TobyNewbatt
      @TobyNewbatt  Місяць тому +1

      They are both S&P 500 index funds so they are the same - buying one or both would be adding no additional diversification or benefit except you could argue that they are from different providers.

    • @oddbeat5693
      @oddbeat5693 Місяць тому

      @@TobyNewbatt thank you so much for your help 🙏

  • @sid35gb
    @sid35gb 2 місяці тому +2

    I just keep it simple long term accumulation funds outperform income funds so VUAG will out perform VUSA and for low risk short term I use a money market fund. As for buying multiple index funds to me it doesn’t make any sense to a global fund because it’s more expensive and the market cap weighting means that any gains from smaller companies will be so small it doesn’t move the needle enough.

  • @floydestelle6242
    @floydestelle6242 2 місяці тому

    Single stocks and Vanguard Growth

  • @tomloftus3236
    @tomloftus3236 2 місяці тому +2

    My 3 fund portfolio...
    - BIL - US short-term treasury bond (tbil)
    -BNDX - international bonds etf excluding USA
    -VT - global stock market
    It won't give huge percentage gains from share price growth, but it's a low risk way to invest with consistent solid passive income from dividends.
    I'd like anyone's opinions on my portfolio or any recommendations i could add or change

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      very sensible and simple indeed! On the bond side, could you just get more return in a savings account? Just curious to know if you could literally just be cash (in savings) + VT (whole world). Nice and simple though :)

  • @anthonyjanes9973
    @anthonyjanes9973 2 місяці тому +1

    If on average you can get 10% from investing in an index ETF that tracks the S&P 500 do you need more than 1 ? Even global funds are heavily weighted with the big American companies so it makes little point to pay the slightly higher fees for these funds, investing in the top 500 US companies is enough diversification for me,

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      The global stock market includes all of the S&P 500 - it really all depends on what happens in the future but I don't think anyone will go wrong with either. But you have to really keep it up long term :)

  • @apoch2001
    @apoch2001 2 місяці тому +2

    Best thing about working in finance is that you can't trade single stocks easily so it keeps you from doing dumb things with your investments

  • @alfierahn3931
    @alfierahn3931 2 місяці тому

    hey, im kind of new to all of this. Would you recommend using an app like 212 or, would something like using vanguard separately be a better option.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      They are both great - but Trading 212 is hard to beat. A free stocks and shares ISA account and then no fees ongoing, great place to start and learn.

    • @alfierahn3931
      @alfierahn3931 2 місяці тому

      ok cool. my only concern with 212 was the inability to transfer what u own to another platform. is this something that would have an impact ? or am i worrying over nothing. sorry for the questions!

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      @@alfierahn3931 I'm not sure I follow? You can transfer anything from Trading 212 to another broker/ platform if you need to?
      As per here: helpcentre.trading212.com/hc/en-us/articles/360007081117-Can-I-move-my-Trading-212-ISA-to-another-provider

    • @alfierahn3931
      @alfierahn3931 2 місяці тому

      @@TobyNewbattah right 😅thats my bad then. I must have read something incorrectly! thank you for all the help! im finding your vids very useful so far :D

  • @lifeisagame2023
    @lifeisagame2023 2 місяці тому +3

    My portfolio is crazy i have like 30 vanguard funds. I sold a load too.
    I keep most out of morbid curiosity as i don't have much in most of them. Even etfs i can't really afford to buy more so i occasionally move money around via switches.
    Mainly stick to ftse all cap, us equity, 100% life strategy n 80-90% balance fund.

    • @Nova2Yung
      @Nova2Yung 2 місяці тому +1

      100% lifestrategy all the way , if im desparete for more exposure a global all cap will cover the small cap businesses

    • @lifeisagame2023
      @lifeisagame2023 2 місяці тому

      @@Nova2Yung best for long term growth based on 5 years is still US equity btw

    • @Nova2Yung
      @Nova2Yung 2 місяці тому

      @@lifeisagame2023 im aware, i like to buy everything with a holding period of FOREVER :)

  • @NM-hq1io
    @NM-hq1io 2 місяці тому

    I personally just have a target date fund + S&P 500 - that’s it

  • @1292liam
    @1292liam 2 місяці тому

    Toby, you might overlap with your spag bog, if you add coriander ..but later you add cilantro, and then realised you overlapped with basically the same. You obvs made a very decent spag bog recently (this video came from your thoughts as you made it and ate it) !

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      you can tell i was hungry hahaha

  • @user-ry1mf4sf2n
    @user-ry1mf4sf2n 2 місяці тому

    I have only VHYL etf, vanguard all world high dividend etf

  • @paulbrand1973
    @paulbrand1973 2 місяці тому

    Hi Toby - great video; trying to simplify my portfolio and have used last 2 year's ISA allowance on Vanguard across 5 index funds to mimic global fund but have older ISA and pension accounts (not in Vanguard) that are invested across a wide range of funds (active and passive). Following on from your insights in this video I want to easily see what my whole portfolio is invested in and thus need a portfolio analysis tool - is there anything you'd recommend? Not sure there is a good free to use one and thus may need to purchase one. Thanks in advance.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      I don't think there is some magical free one and you'd need a tool that had UK/EU data that also included mutual funds - which I'm not aware of. Could work it out manually if you had the time? but its a slow process!

    • @paulbrand1973
      @paulbrand1973 2 місяці тому

      @@TobyNewbatt thanks for quick response. Thought that might be the case and will be a very slow process - hey ho; I'm retired (accountant) so here comes the big spreadsheet exercise

  • @quokkapirquish6825
    @quokkapirquish6825 2 місяці тому +1

    Someone needs to invent an index fund ETF, one fund to rule them all

    • @sopissedoff
      @sopissedoff 2 місяці тому +2

      Like the Wisdomtree quality dividend global growth EFT

  • @kalvaxus
    @kalvaxus 2 місяці тому +1

    So clearly I'm not a vampire, as I'm super overweight on Microsoft; the garlic company.

  • @arthurgirdlestone5948
    @arthurgirdlestone5948 2 місяці тому

    Great thanks, I guess the problem is that the top funds just get bigger, what are the pros and cons of say an S&P 500 equal weighted fund.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      Go and see the past results of equal weighted…it sucks 🤣.
      You sell good companies to buy bad ones..makes no sense

  • @julesflack
    @julesflack 2 місяці тому +3

    Personally im just sticking with the S&P 500. I think there's definitely potential in the future for the US to be outperformed by other markets, but I just don't see any other economy unseating the US for the next 20 years or so. Of course, I could be completely wrong, but it's a risk I'm comfortable with. I've been told for years now that the US market is too expensive and I should just buy a global tracker, but had I done so I'd have missed out on a significant amount of gains.

    • @kmg2480
      @kmg2480 2 місяці тому

      I'm strongly inclined to agree with you. Although unlikely in my opinion, if another market such as China were to overtake the US eventually, it would take many decades to reach that point, and being knocked down to the second or third largest economy in the world is no great shame.

  • @brickchamp4199
    @brickchamp4199 Місяць тому

    "Don't over-complicate your investments' shall be our watchwords!

  • @TheBigShort11
    @TheBigShort11 2 місяці тому +2

    No index funds, only single stock can outperform

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      Yes they can - the question is which ones will? In the long run less than 3% of all stocks have delivered most of the wealth ever created. Let me know which ones you are picking :)

    • @ChrisShawUK
      @ChrisShawUK 2 місяці тому

      Which is the single stock you are buying to beat the market over the next two decades?

  • @versaceviper9798
    @versaceviper9798 2 місяці тому +3

    VWRL for life!

    • @martinpage253
      @martinpage253 2 місяці тому

      VWRP even easier 👍

    • @versaceviper9798
      @versaceviper9798 2 місяці тому

      @@martinpage253 Depends on what the goal is. I plan on living off my dividend payments eventually, and I won’t be able to do that with the auto-invest feature of the VRWP. I manually reinvest the dividends until it gets to a point where I can live off those payments 🤞. VWRP would require me to sell shares which I NEVER want to do 😎

    • @curiousjoe395
      @curiousjoe395 2 місяці тому

      Why not the developed world fund as it has almost half the fee and has performed better over the last 5 years ?

    • @Tradex420
      @Tradex420 2 місяці тому

      ​@@curiousjoe395 What's the ticker?

    • @lolwut1337n355
      @lolwut1337n355 2 місяці тому

      HSBC FTSE All World tracks the same thing and is 0.1% cheaper

  • @tyeng1295
    @tyeng1295 2 місяці тому +4

    Sticking to this theme invest like a Pizza.
    Index funds are your Base, Managed funds are your Sauce and Individual shares are your topping.
    Too much base is boring as hell and too much topping can give you a headache.

  • @s.o.rcleancarpetupholstery2534
    @s.o.rcleancarpetupholstery2534 2 місяці тому

    What if eqqq is the perfect blend of ingredients?
    A global etf would be watered down version of the perfect ingredients

  • @lja8187
    @lja8187 2 місяці тому +10

    FTSE Global All Cap Index Fund Accumulation. I'm all in on that.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +3

      now we're talking :P

    • @lja8187
      @lja8187 2 місяці тому +1

      ​@@TobyNewbattas passive as they come. 👍

    • @TheGavranatar
      @TheGavranatar 2 місяці тому

      my man!

  • @MagicFPV
    @MagicFPV 2 місяці тому

    I would love to see a “how to invest in bitcoin” (step by step guide for beginners) video. The current ones out there are dated and confusing. Thanks for all your help

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      Maybe at some point! I agree there’s a lot of outdated stuff and I’d prefer a sensible persons guide!

  • @mark_just_mark
    @mark_just_mark 2 місяці тому

    Great recipe!!! Is there anywhere you can enter your funds / portfolio and find out exctly how much you are investing in each company? E.g. If I have a Vanguard fund and an Ishares fund can I see how much 'Microsoft' I am investing in (without doing it all manually?)

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      Good question! In Invest Engine you can do this - Trading 212 as well you can see your allocation. But unless all of your holdings are on that platform you'd have to work it out manually! Happy to be corrected if someone knows a place.

  • @patpong5873
    @patpong5873 2 місяці тому

    FTSE Global All Cap Index Fund 25%
    VWRP45% and S&P500 30% very USA heavy

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      It is indeed, but if you want to stick with it thats all that matters. We have no idea what will perform better in the long run, just keep at it :)

  • @znicho
    @znicho 2 місяці тому +11

    This pasta dish metaphor is more confusing than just explaining it

  • @Cosmo38436
    @Cosmo38436 2 місяці тому

    This is what I try to do. My side orders started off caviar now there pancake rolls 😂

  • @curiousjoe395
    @curiousjoe395 2 місяці тому

    May be developed world fund ex. UK. Monitor it and if the developed world starts to tank, switch to global all cap. How’s that as an approach?

    • @larsenb4803
      @larsenb4803 2 місяці тому +1

      You're then giving yourself more decisions down the line, like when do I switch back, or should I switch back, or would I have been better off not doing anything and waiting for the developed world to recover.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      as below - your trying to time the market and I think this is a slippery slope :)

  • @imbarmstrong
    @imbarmstrong 2 місяці тому +1

    Mmmm Food Funds... 😋

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      It's the future....well it will be when I have dinner in the next hour or so

  • @larsenb4803
    @larsenb4803 2 місяці тому +1

    I've just been thinking about this very subject. I bought Vanguard Developed World, then thought I need to diversify more so bought Developed Europe, Developed Asia and S & P 500. It's been slowly dawning on me that I'm overthinking it and duplicating what I've already got, only going out of balance. It's easy to try and be clever but actually just complicate things unnecessarily.

  • @pauldeal68
    @pauldeal68 2 місяці тому

    I'm starting investing in vanguard in new financial year via isa ...but with Yank markets at these highs is it a bad move or wait for a correction?

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      Don't try and time the market as a long term investor. Over the long run it won't make a single bit of difference. The market has to hit all time highs, and will do it many times throughout a normal year. Not investing during a market high is stupid not only in my view, but that data backs this up.

  • @Lenny-nr4yv
    @Lenny-nr4yv 2 місяці тому

    👍❤

  • @jjmstudios
    @jjmstudios 2 місяці тому

    What’s your thoughts on the VG FTSE Global All Cap Index Fund - Accumulation?

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      watch my Vanguard portfolio update...you'll see :)

  • @MENSA.lady2
    @MENSA.lady2 2 місяці тому

    NONE

  • @rodofgold1394
    @rodofgold1394 2 місяці тому

    Only VUAG for me.
    S&P500 accumulation fund

  • @Mark.maximus
    @Mark.maximus 2 місяці тому +1

    ...and plenty of minced beef bolognese 💯👌

  • @gadagaz
    @gadagaz 2 місяці тому +2

    You lost me at "food" 🤤

  • @paulevans4056
    @paulevans4056 2 місяці тому

    FTSE Global All Cap all day long. Slow and steady.

  • @markwilliams4312
    @markwilliams4312 2 місяці тому

    Small chimp brain? I don't think so, you know exactly what you are talking about. Good presentation young man.

  • @user-yx8jz9hg2c
    @user-yx8jz9hg2c 2 місяці тому

    Very useful :)

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      Glad it was helpful!

    • @user-yx8jz9hg2c
      @user-yx8jz9hg2c 2 місяці тому

      @@TobyNewbatt My wife is Italian and she said the pasta example was fantastic! :), I am wondering what happens if i open a Mutual fund in mid march, 2024 and then after April 6th open a new mutual fund, would that be a problem with HMRC, would appreciate any advise on this, Cheers :)

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      @@user-yx8jz9hg2c if you are investing inside an ISA you can buy and sell as many stocks or mutual funds as you like 👍
      The tax year makes no difference unless you are not investing inside an ISA account then if you sell you could be liable for capital gains taxes.

    • @user-yx8jz9hg2c
      @user-yx8jz9hg2c 2 місяці тому

      @@TobyNewbatt ok thank you very much 👍🙏 for that..

  • @PBayee34
    @PBayee34 2 місяці тому

    Love your channel Toby, starting my investing career late at 57 but I'm eagerly awaiting April 6th ( already put 20k in cash isa this year ) & I'm following a recommendation from a recent video you did, vanguard developed world & emerging markets 90% 10% ratio.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      Good luck and thank you for the support it’s only possible by people like you. Welcome aboard the rollercoaster of investing i also am excited for the new FY 😎

  • @simoncook1325
    @simoncook1325 2 місяці тому

    S and p 500 60%
    SMH 15%
    QQQ. 15%
    Cash 10%

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +2

      now thats a lot of garlic and onions :P

  • @versaceviper9798
    @versaceviper9798 2 місяці тому

    Not sure why my comments keep being deleted?

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому

      They aren’t? Unless they get blocked by UA-cam as some keywords trigger it

    • @versaceviper9798
      @versaceviper9798 2 місяці тому

      @@TobyNewbatt It’s strange, I commented and was simply talking about dividends for VWRP and VWRL in the replies, but those comments keep being removed. 🫤

  • @tamosats
    @tamosats 2 місяці тому

    Bitcoin will eat all this up

  • @fifis101
    @fifis101 2 місяці тому

    S&P500 is safe. Nasdaq may be more volatile and will go down more when it does but always better in the long run. Global is generally somewhere in between. Add in specified ETF's or stocks in small percentages here and there just to keep it interesting.

  • @ChrisShawUK
    @ChrisShawUK 2 місяці тому +1

    My investment goal is not to make as much money as possible. My goal is to beat RPI by 2%pa on average over many decades.
    I did this so I can match my contributions to my expected future cash flow.
    I'm 25 years in and managed to achieve +3.2% pa over that period. Using mostly FTSE 100 and more recently, s&p.
    So I won't be changing my strategy unless that long term average falls below my 2% target. I review every three months so I should get early warning indicators.

    • @TobyNewbatt
      @TobyNewbatt  2 місяці тому +1

      Yes that’s the detail! No point making a lot of money unless you’re beating inflation too 💪💪💪

    • @ChrisShawUK
      @ChrisShawUK 2 місяці тому

      @@TobyNewbatt I'm not sure a lot of people give a lot of thought to beating inflation over the long term.
      It's really the only thing that gives me the chills. Not the current spikes of 10% or whatever, since index funds will smooth that out.
      But a scenario of the UK experiencing a hyper inflation when the rest of the world doesn't.
      It's a low risk, but I have no idea how to deal with it if it happens.

    • @Nova2Yung
      @Nova2Yung 2 місяці тому +1

      Interesting plan!

    • @ChrisShawUK
      @ChrisShawUK 2 місяці тому

      @@Nova2Yung yes, fortunately I started age 30 so I was able to fully utilise the runway of time. When you let time do the heavy lifting, you don't need bonkers return projections.

    • @larsenb4803
      @larsenb4803 2 місяці тому

      In the event of hyper inflation open a cash savings account, you'll get a good interest rate.

  • @katicus_prime
    @katicus_prime 2 місяці тому

    KISS IT son

  • @MaxM-xg8vm
    @MaxM-xg8vm 2 місяці тому +2

    I sent you a message on instagram and it was this question exactly lmao. I think this video could be because of me haha

  • @sopissedoff
    @sopissedoff 2 місяці тому

    Why use 10 words when 1000 will do ,cut the food Synology it made yout taste buds die

  • @jermunitz3020
    @jermunitz3020 16 годин тому

    VOO 80% and TQQQ 20% 🎢🚀 Screw pasta I’m 100% Parmesan