Hey Tom. Love your videos. I would love to see you create / showcase your ideal 3 or 4 fund portfolio. I see many American UA-cam talk about them, but never really British UA-cam.
Fast talking, highly informed delivery ,loaded with excellent information and recommendations. I've been spread betting the Nasdaq 100 for many years but now I'm looking for a trading vehicle that is more long term. ETF 's seem ideal for my purpose. Thanks Tom.
Another excellent video Tom, thorough and to the point. I'm actually not a big fan of the NASDAQ 100, it comes too close to a managed fund for me. If i want to go down the managed route i'll do it myself. A prime example was the 'special rebalance' the NASDAQ undertook to reduce tech exposure the other year. I would rather have a market cap weighted than 'modified market cap weighted' to take advantage of the natural momentum a market cap weighted index gives. But just my 2p and i know it's one of the most popular index so clearly most don't agree with me! Hahaha
Thanks, Chaz! That is fair enough and I do agree a "special rebalance" does seem a bit silly. Would be interesting to know how much that impacted returns by. As you say, they could have curtailed some of the momentum
@@TomsPersonalFinance imo it’s a bet on technology. I always ask myself is tech becoming more or less important to all facets of life. It’s hard to bet against it esp with the coming age of artificial intelligence and robotics.
The real question in long term is how far in technological breakthrough are we when we scale far enough... I think we are still just in the beginning in the big picture... The first automobile was invented just hundred years ago, before that we used horses for thousands of years .. look how much did a personnel car and jumbojets change the world. a cpu has been just +30 years and we are just now starting to see how to really use computing power efficiently (AI)
33% EQQQ 33% IUSA 23% GGRG 11% UGRW This is my current portfolio following the Fundamental/growth/high dividend portfolio idea from Professor G. Although i wasn't keen on any high dividend ETFs i chose the wisdom tree quality dividend options instead. Decided to add in the new UGRW as i was impressed with the wisdom trees GGRW performance and interested to see how a UK one would perform.
Thanks for sharing, Jean. Seems like a well thought out portfolio to me. I don't watch any American UA-camrs, but I have seen Professor G pop up a few times in my recommendations! As you might know from my videos, I certainly agree that WisdomTree's quality dividend growth range is much more interesting than high dividend options.
Nice one, Mateusz. There's really not much between the options the options here! I do think XNAQ will grow in size though as more people become aware of it.
Hi Alan. Can't argue with the performance. I guess the only thing to be weary of is the fact it is all in one sector, so it'll be more volatile than some other options. Might not be a problem though if you're in it for the long term and happy to ride out the volatility! It may not repeat its performance, but it is hard to bet against tech
Are the returns higher when you invest into one ETF only as opposed to having two or more ETFs in the portfolio supposing the return rate is the same between the ETFs?
I love the NASDAQ. But I don’t have enough money to add anything else to my portfolio. I believe that the global all cap more or less mimics the NASDAQ
I often have the problem that I have more ideas than cash, Abdul. So I can relate haha The Nasdaq is just much more concentrated, which can supercharge returns/drawdowns
I have recently added the Nasdaq to my portfolio, am in my med 40’s playing catch up on investing for retirement. If you are younger that investing for your older days, it comes very fast.
Hey! There's a lot of competition in the S&P 500 ETF space so they're all very good. I'd personally just invest in the ones by iShares or Vanguard, as theyll have the greatest liquidity But I think the one by SPDR is cheapest and has a TER of 0.03%, so worth looking into
Hello Sir.... Do you think is the Xtrackers nasdaq 100 is safe enough to invest compare to the Invesco Nasdaq 100? Just do not want to lose all of my money...
@@TomsPersonalFinance what is the reason for that the Invesco Nasdaq100 is 833 pounds but the Xtrackers one is "only" 33 pounds? The Invesco is "better" quality and more safe and maybe producing better returns? Or there is no reason at all... Thank you Sir!
The price of an ETF means nothing. If I invested in an ETF that is £1 per share and it become £2 per share, I would have made a 100% return. If I invested in an ETF that was £800 per share and it became £1600 per share, I would have still made a 100% return.
@@TomsPersonalFinance What relevance does that have? As far as I think I know (I am a novice at this), when you invest in an etf that plays in the American stock market such as the Nasdaq100, it doesn't matter what currency the ETF is in because the exchange rate to dollar is always going to affect since we are investing in US shares (in dollars). If you invest in an etf with your local currency, the exchange rate is made by the etf, if you invest in an etf in dollars the exchange rate will be made by the broker, right? Thanks in advance
@WolfyYOLO if you invest in an ETF that trades in another currency you have to pay FX fees charged by your broker to invest in it. If you invest in an ETF that trades in your own currency, you do not pau any FX fees. You are right that exchange rate will always impact your investment in US stocks. See my latest post on my community tab for a detailed explanation of this. I only invest in ETFs that trade in my own currency because I am avoiding a fee that I know for certain will impact my returns: FX fees.
@@TomsPersonalFinanceHi Tom, I have EQGB, but after seeing your comment above, about it being hedged, I’m now reconsidering 😬 what puts you off hedged? I’m considering maybe switching my NASDAQ ETF away from EQGB now
Hey, I wouldn't worry too much, but just prefer non-hedged because over the long term the additional costs associated with hedged ETFs can eat into returns. Put simply, in any given year, a hedged ETF will perform better than a non-hedged ETF when the pound strengthens against the dollar, but will underperform when the pound weakens against the dollar. You can see this in action in 2022 after Liz Truss's mini budget! The hedged version significantly underperformed as the pound weakened. Just an example, and I have no way of knowing what currency fluctuations will be going forward!
Interesting thanks, that does not trade on the London Stock Exchange so I missed it. It is more expensive than XNAQ though, so I'd still prefer that one.
Xtrackers is owned by Deutsche bank, so I consider it pretty big and safe :) We should see the fund size grow as more people realise there is a cheaper option
Yes, that's true. But I doubt many people who invested in a Nasdaq 100 ETF recently are complaining about that given the superior returns. Always remember that the performance of an ETF you see is with the fees already taken
60% VUSA
20% EQQQ
20% VHYL
Thinking of reducing Vusa to 50% and add %10 of isp6.
An excellent one again
Thank you, Eman 😊
What is that incredible website at 10:58?
It's InvestEngine, an investment platform 😊
I have the link in my bio for a Welcome bonus if interested!
Hey Tom. Love your videos. I would love to see you create / showcase your ideal 3 or 4 fund portfolio. I see many American UA-cam talk about them, but never really British UA-cam.
Thanks, Acer! That's a good idea and I'll have a look into making a video like that for sure 👍
@@TomsPersonalFinance well, look forward to watching and learning.
Thank you, I'll hopefully be able to get around to it soon!
Fast talking, highly informed delivery ,loaded with excellent information and recommendations. I've been spread betting the Nasdaq 100 for many years but now I'm looking for a trading vehicle that is more long term. ETF 's seem ideal for my purpose. Thanks Tom.
Thank you so much for your comment, Alan. Really great to hear it was helpful :)
Ohh so after spreading it for many years you’re now looking to settle down. Typical ;)
Another excellent video Tom, thorough and to the point.
I'm actually not a big fan of the NASDAQ 100, it comes too close to a managed fund for me. If i want to go down the managed route i'll do it myself. A prime example was the 'special rebalance' the NASDAQ undertook to reduce tech exposure the other year. I would rather have a market cap weighted than 'modified market cap weighted' to take advantage of the natural momentum a market cap weighted index gives. But just my 2p and i know it's one of the most popular index so clearly most don't agree with me! Hahaha
Thanks, Chaz! That is fair enough and I do agree a "special rebalance" does seem a bit silly. Would be interesting to know how much that impacted returns by. As you say, they could have curtailed some of the momentum
You can’t go wrong with the Nasdaq, the returns say it all. Just buy alongside any other ETFs you hold is my advice.
Yeah I personally don't see any reason why it won't continue to do well over the long term!
@@TomsPersonalFinance imo it’s a bet on technology. I always ask myself is tech becoming more or less important to all facets of life. It’s hard to bet against it esp with the coming age of artificial intelligence and robotics.
The real question in long term is how far in technological breakthrough are we when we scale far enough... I think we are still just in the beginning in the big picture... The first automobile was invented just hundred years ago, before that we used horses for thousands of years .. look how much did a personnel car and jumbojets change the world. a cpu has been just +30 years and we are just now starting to see how to really use computing power efficiently (AI)
33% EQQQ
33% IUSA
23% GGRG
11% UGRW
This is my current portfolio following the Fundamental/growth/high dividend portfolio idea from Professor G.
Although i wasn't keen on any high dividend ETFs i chose the wisdom tree quality dividend options instead.
Decided to add in the new UGRW as i was impressed with the wisdom trees GGRW performance and interested to see how a UK one would perform.
Thanks for sharing, Jean. Seems like a well thought out portfolio to me. I don't watch any American UA-camrs, but I have seen Professor G pop up a few times in my recommendations!
As you might know from my videos, I certainly agree that WisdomTree's quality dividend growth range is much more interesting than high dividend options.
CNX1 for me personally :) can’t go wrong with NQ if you believe in tech and it’s future
Nice one, Mateusz. There's really not much between the options the options here! I do think XNAQ will grow in size though as more people become aware of it.
Good find this Tom. I've used the Invesco version EQQ(B?) for my wife's portfolio - this looks like a decent swap
Thanks, Steve! Yes it's definitely worth considering 😊
Hi tom, i have only one ETF and that is the IITU as it beats everything else over 5 years, what do you think of it?
Hi Alan. Can't argue with the performance. I guess the only thing to be weary of is the fact it is all in one sector, so it'll be more volatile than some other options. Might not be a problem though if you're in it for the long term and happy to ride out the volatility! It may not repeat its performance, but it is hard to bet against tech
@@TomsPersonalFinance i am, ETFs should only be used as long term investments, at least 3 years min imo
Agreed, Alan. Thanks for watching 😊
Thanks. Couldn’t find on HL but found on A J Bell .
Thank you for watching :)
Hi Tom I’m using xnaq and xnas.
Great stuff, Paul 👍
Are the returns higher when you invest into one ETF only as opposed to having two or more ETFs in the portfolio supposing the return rate is the same between the ETFs?
No the returns would be exactly the same. If you have 10 ETFs returning 10% each, it is the same as being all in on one ETF returning 10%.
I love the NASDAQ. But I don’t have enough money to add anything else to my portfolio. I believe that the global all cap more or less mimics the NASDAQ
I often have the problem that I have more ideas than cash, Abdul. So I can relate haha
The Nasdaq is just much more concentrated, which can supercharge returns/drawdowns
Yes, I will consider adding it, great content btw
Thank you, Quokka. Really appreciate it!
I have recently added the Nasdaq to my portfolio, am in my med 40’s playing catch up on investing for retirement. If you are younger that investing for your older days, it comes very fast.
Hi, what would you say is the best/cheapest fees (TER) accumulating S&P 500 for UK people to invest in, many thanks 😊
Hey! There's a lot of competition in the S&P 500 ETF space so they're all very good. I'd personally just invest in the ones by iShares or Vanguard, as theyll have the greatest liquidity
But I think the one by SPDR is cheapest and has a TER of 0.03%, so worth looking into
@@TomsPersonalFinance I've already switched to Invesco (SPXP) at 0.05%
Nice one :)
Hello Sir.... Do you think is the Xtrackers nasdaq 100 is safe enough to invest compare to the Invesco Nasdaq 100? Just do not want to lose all of my money...
Xtrackers is owned by Deutsche Bank, the largest bank in Germany. That is pretty safe to me ;)
@@TomsPersonalFinance thank you Sir !
@@TomsPersonalFinance what is the reason for that the Invesco Nasdaq100 is 833 pounds but the Xtrackers one is "only" 33 pounds? The Invesco is "better" quality and more safe and maybe producing better returns? Or there is no reason at all...
Thank you Sir!
The price of an ETF means nothing. If I invested in an ETF that is £1 per share and it become £2 per share, I would have made a 100% return. If I invested in an ETF that was £800 per share and it became £1600 per share, I would have still made a 100% return.
@@TomsPersonalFinance thank you very much Sir!
Agree… Fund size matters!
It certainly does :)
I am 50% VUAG,.30% EQQQ,.20% IITU...
Nice one, thank you for sharing :)
What about AXA IM Nasdaq 100 UCITS ETF USD Acc?
I've not heard of that one, but had a quick look now and it doesn't trade in GBP, so not one I'd use myself.
@@TomsPersonalFinance What relevance does that have? As far as I think I know (I am a novice at this), when you invest in an etf that plays in the American stock market such as the Nasdaq100, it doesn't matter what currency the ETF is in because the exchange rate to dollar is always going to affect since we are investing in US shares (in dollars). If you invest in an etf with your local currency, the exchange rate is made by the etf, if you invest in an etf in dollars the exchange rate will be made by the broker, right? Thanks in advance
@WolfyYOLO if you invest in an ETF that trades in another currency you have to pay FX fees charged by your broker to invest in it.
If you invest in an ETF that trades in your own currency, you do not pau any FX fees.
You are right that exchange rate will always impact your investment in US stocks. See my latest post on my community tab for a detailed explanation of this.
I only invest in ETFs that trade in my own currency because I am avoiding a fee that I know for certain will impact my returns: FX fees.
Hi..Invesco EQQQ is accumulating on trading 212.
EQQQ is distributing. EQGB is accumulating 😊
@@TomsPersonalFinance Yes that's correct, any reason why you did not mention EQGB as an option ?
@ravington666 EQGB is higher fee (0.35%) and is GBP hedged. I'm not a fan of hedged ETFs for long term investing.
@@TomsPersonalFinanceHi Tom, I have EQGB, but after seeing your comment above, about it being hedged, I’m now reconsidering 😬 what puts you off hedged? I’m considering maybe switching my NASDAQ ETF away from EQGB now
Hey, I wouldn't worry too much, but just prefer non-hedged because over the long term the additional costs associated with hedged ETFs can eat into returns.
Put simply, in any given year, a hedged ETF will perform better than a non-hedged ETF when the pound strengthens against the dollar, but will underperform when the pound weakens against the dollar.
You can see this in action in 2022 after Liz Truss's mini budget! The hedged version significantly underperformed as the pound weakened. Just an example, and I have no way of knowing what currency fluctuations will be going forward!
You missed this: The Invesco EQQQ Nasdaq-100 UCITS ETF Acc ( IE00BFZXGZ54 ) is also accumulating and physical replication!
Interesting thanks, that does not trade on the London Stock Exchange so I missed it. It is more expensive than XNAQ though, so I'd still prefer that one.
@@TomsPersonalFinance
0,3 % vs 0,20% yes, but with a significantly higher fund size and owned by a significant bigger company!
Xtrackers is owned by Deutsche bank, so I consider it pretty big and safe :) We should see the fund size grow as more people realise there is a cheaper option
Nasdaq 100 ETFs have higher charges than S&P 500 ETFs.
Yes, that's true. But I doubt many people who invested in a Nasdaq 100 ETF recently are complaining about that given the superior returns.
Always remember that the performance of an ETF you see is with the fees already taken
Tom, Thanks for your reply. Please do a video about UK investors buying Berkshire Hathaway. Via say Trading 212.
❤
Im a degenerate i have 20% crypto and 60% in my comapny share save share and the rest cash
Nit for me but fair enough
@@TomsPersonalFinance I need to get some index funds, Like HSBC all world