The Only Portfolio You'll Ever Need?
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- Опубліковано 15 вер 2024
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He’s got the whole World, in his hands! 🌎🙌🏽🎶
Great video. Appreciate your hard work. Btw people,,,,Don’t fall for the bots/scammers in the comment section.
I find trying to mimic a global index by buying lots of separate geographic ETFs too much like hard work. You might be saving money on fees, but you have to make an active allocation decision (what percentage to allocate to each region) and then rebalance periodically to match the share of each region within the overall world index. This involves trading and incurring fees.
If you don't rebalance then you could end up being overweight to a region which has diminished in its overall share (usually because it's stock market has declined) - and that may mean your performance lags. For the sake of c.0.1% per annum I'd much rather just stick to a single global index fund and minimise trading/hassle. Of course, if you have a tax-free account with no/low trading fees this may not matter so much - but I still prefer the convenience factor of a single fund.
I looked into this yesterday and completely agree with what you’ve said.
Simplicity is underrated. Most investors would probably be better off using only a single fund for stocks. I would take the slighly higher fees, to avoid behavioral mistakes like heavily overweighting regions based on recent perfomance. I am also missing a bond fund, as most investors dont have the risk tolerance for 100% stocks.
My ideal portfolio consists of only three funds: global stocks, global bonds (hedged or unhedged) and money market to represent cash. Most people dont even need a money market fund.
As a novice what is money market? I think I get the other two.
So nice I clicked Thumb Up 7 times
Incredibly well explained Toby - Thanks!
Glad it was helpful!
I’m late to the party at 38. Been engrossed with researching the ins and outs of the stock market for months. Previously I was of the belief it’s a con and to difficult for the average Joe. Turns out I had just conned myself out of years of compounding🤮. Anyways for what’s it’s worth I settled on VEVE + VFEM 90 - 10 split. Though tempted to weight a little more like 80 - 20. I will flutter with the occasional single stock I believe in to suppress meddling with the core portfolio. I wondered if the above would benefit from a REIT ETF but find very little information as of yet. Any thoughts?. Appreciate the clear concise content. Many others lay the jargon on thick making it difficult to split fact from fiction. Keep em coming 🏴
There are variations of ETF portfolios that could include REIT ETFs as well as gold/bonds. Search for the Golden Portfolio and the Weird/Resilient portfolio, these have pretty good returns with quite safe downside too, with the whole idea of preserving capital rather than making huge gains like one would in trading or bets.
You're not too late pal. I was only 3 years younger and by 50 I was sorted.
I personally chose the spdr Toby. Incredible low fees at 0.03% I have 70% weight in that one and Europe on 15% pacific on 7 and emerging on 8%
Great video though, and very close to my picks.
Nicely explained and very helpful. Enjoying as always.
Nice one Toby, very informative video. 👊🏾
I’m a bit confused, previously you invested in other vanguard funds below covering the world on Investment Engine? All accumulation with same weight as VWRP. Why did you change?
VUAG - S&P 500
VERG - Europe
VFEG - Emerging Markets
VUKG - UK
VJPB - Japan
I didn’t I have this as my portfolio exactly as you show . This video is just an example of what you can do 😎
Hey toby... i remember you made one freetrade UK dividend portfolio... whats the update on that? Have you stopped it?
Great content! Keep up the good work!
Great video, next time i transfer funds from my company pension into my own sipp, i will put some of the money into the emerging markets fund that you have highlighted, thanks bud
For me, I'm hesitant to start tinkering with my portfolio too much, since I feel I might end losing in commission fees etc. chasing little gains. It's also a psychological thing - I fear if I start tinkering, I can't stop and end up with even more commission fees😅
Looking forward to more videos 👍Really enjoy the way you present things.
Thank you so much. I have moved away from vanguard a little but and also chose India rather than emerging markets.
Question: where is the best place to have my SSIP? Currently with Vanguard, but it sounds time to get an extra 0.24% 😀
I'd have gone with the MSCI ACWI IMI Index personally as it's easier to track with 3 cheap BlackRock ETFs:
80% SWDA - Developed World (large and mid cap)
11% EMIM - Emerging Market IMI
9% WLDS - Developed World (small cap)
This gives you exposure to 6,600+ companies.
I think your more complicated portfolio will just lose you more in transaction costs (every ETF trades at a spread) when you rebalance annually, and tracking error, than what you save in fees
spread impact you similarly no matter how many etfs (excluding some really exotic stuff that has verly low trading volume)
As you basicly track MSCI ACWI IMI with your 3 ETF i would use the flexibility to slightly crank up the Emerging Market part and a bit more in the small cap as well. Maybe something like 75 - 15 - 10
Also i always suggest to rebalance by adjusting your buying plan for 1 month each year where you spend your budget full on rebalancing and then you return to your normal monthly allocation.
Is there a case for fixed income like bonds or are people pedal to metal 100% equities all the way even in retirement?
Be aware of the ETFs base currency. I alway try and buy one that’s base currency is my own since it mitigates exchange rate risks more. Low cost is good but if your looking for an average rate of market return a slight change in currency rates can skew your returns.
Interesting and informative approach Toby I am giving PRIW and XDEQ a spin as one has 0.05% charges and I was interested to see how the performance stacks up against each other given the Quality factor ETF charges 5x as much, there are also EXCS, IEFQ, IUQF, IUVF and UGRW as satellite positions as I am interested in testing Qualty factor ETFs and want a bit of diversity of approach and will see if I have learned anything after a year kind of Darwin approach with ETFs or will I just be blunting performance.
I have a Vanguard portfolio from a prior transfer with Vanguard so am all Vanguarded out.
"You can slightly change the weights depending on where you think you'll make the most money"
Does this not run at odds with the philosophy of passive investing?...
Yes it does - but people will do what people do :)
I'm mostly passive but I still have some odd bets on the side and many people echo the same way of doing things so I'm a bit more of a realist! :)
ETF to preserve wealth? Plan is to take the gains from snp and nasdaq and shove in to the all world and Europe etf as they are cheap. Maybe I should swap the snp500 weighting and all world weighting?
1) snp500 (40%)
2) Nasdaq 100 (15%)
3) vanguard ftse all world (15%)
4) ishares msci India index (15%)
5) ishares edge msci Europe (15%)
SPXL is a leveraged 3x s&p 500, and not exactly the vanguard s&p 500; you may be cautious as leveraged funds have higher dips as well, so probably not good for longer term
No it's not :)
I know you googled SPXL and YES over in the US this is a leveraged S&P 500 index fund. Here in the UK, this is NOT a leveraged fund :)
Thanks for watching :)
Very good job. Now if you did the same video from US side instead of the UK... I might get another step ahead
Maybe a future video idea! I’d need to brush up on my US funds! Sooo many more to choose from
I’ve just gone with VEVE and chill. Developed world, 0.12%. No messing around and rebalancing.
Another great video. Super cheap way to own the world! It does come at a cost though - you would need to remember to manually rebalance once a year, which an all in one fund would do for you. But if you're willing to do that then this is great.
There is a cheaper alternative, with a TER of 0.07 which is with their weight.
LGG - 90%
EMIM - 8%
WLDS -2%
there are soo many ways to do it which is what makes investing fun...at least for me..
The problem with this is that you need to frequently monitor and rebalance. Furthermore, fees for these and similar etfs are forever changing, which means you could be on a suboptimal strategy within days or weeks (unless you want to read justetf every five minutes).
I'll just stick to a single global index fund and have a life. Investing should be kept simple.
Do you just invest in one ETF? I'm new to this and have just opened a Trading 212 account.
Since investing in the sinoloa etfs I've found that as long as I pay on time every month I'm well on the way to being invested and pilled .Although I must stress that I'm not a cartel advisor. That's best left to HSBC
@tobynewbatt it would be fantastic to learn a little onf the differences between etfs of the same index. E.g. why go witb vanguard s&p 500 at 0.07% fee when the one shown is cheaper - is it better value or is there a hidden cost like does it match the market as well?
Good video idea
Thinking about keeping it simple with the developed and emerging markets funds.
Great video, Toby and well done on the running 🏃♂️
Cheers Simon :)
@TobyNewbatt great video as always Toby. I noticed these funds are slightly different to your holdings in your Toby's world portfolio on Investengine. If you were starting from scratch would you use these etfs to get the cheapest fees or stick to the tried and trusted Vanguard funds? About to start and want to build a portfolio based on this video. Thank you.
Vanguard are way too expensive for what they offer. for my America Blend i went with SPX5 as their ongoing fees are 0.03% much cheaper over the long run.
By going with a FTSE developed Asia ETF and an MSCI emerging markets ETF, you have double-weighted Korea in your portfolio
Yep that is right. I said it’s not going to be perfect and FTSE and MSCI are different 😎. Just for inspiration
Hi Toby, recommending accumulating ETFs for simplicity, I agree with if investing in tax free wrappers (ISA,SIPP), but please continue to remind viewers that if they are in investing through taxable accounts then they are still liable to declare the income the fund receives on their tax return each year. This information can be difficult to get each year. Thats why I invest in income ETFs when outside a tax free wrapper as the income is clear and transparent each year.
There are always a million details that I can't cover in every video but thank you for this
@@TobyNewbatt Agree with you. There's a ton of detail in every topic. Thanks for all your informative videos. Take care 👍.
I've started following the sinoloa etfs
This guy’s a joker🃏 funny tho 😂
Turbo Rocks Kensington Street blows
Can a company like Vanguard for example increase the ETF fees they charge over time. Or do they have to keep them at the same rate?
They can do what they like. They have reduced them in the past though! Not sure an etf has ever increased them that would be an interesting fact find!
With this post you became a UA-cam legend !
I 100% shade your views on investing in global funds. My concern at the moment is the heavy weight of the magnificent 7. Have you found a way to reduce the weight of them? S&P500 equal weight ETF? That might be the solution. I feel that any minor correction to NVIDIA (say 30-50% - much less than recent growth) might affect the portfolio considerably
Thanks for the video. I think I’m going to go with the simplicity of the two fund portfolio you list at the end of the video.
It’s got to be one of the best I reckon. 2 funds so simple to manage
thats what i have got 90 percent on developed world and 10 percent on emerging market it costs 0.13 and i got it from toby the best...
Thanks for the great video! I've been enjoying your channel for a few months now. Considering the whole world is a great way to maximise diversification. Have you considered etf portfolios based on different ideas? For example something based on one sector (e.g. semiconductors) with some percentage of bonds to diminish volatility. What kind of considerations are important in a case like that? (In addition to etf costs of course)
I think you do a really good job.
About Japan - looks like its better to get euro hedged etfs, they have bigger TIR, but have double profit.
Toby, thank you.
How very strange I'm just starting my investment journey and looking for the best overall options and other than 1 fund I pretty much have settled on exactly the same as what you picked which is good to see that I'm thinking the right way haha
Well let’s hope so 🤞 😎
You've got South Korea twice there though. EMIM has South Korea down as an emerging market and VDPG has South Korea down as a developed market. It's easy to get caught out by that.
Yep I did mention ftse and msci are different briefly. As always it’s up to you to tweak as you see fit 😎
I have 20k in a GIA with Chip thats gone up 2k and i want to move it to investengine will i have to simply sell and rebuy or can i switch it over as long as the ETFs are the same. when will i incrue tax on this?
You have to sell and rebuy
@@RaviPatel-rz3lq so say if i sold them all and re bought them other platform iv not lost money have i? iv still got the same number of stocks and im buying again
FYI about North American ETFs, my HSBC ISA has access to the HSBC one - "HSBC American Index C". Fees are 0.25% pa, and you can choose Accumulation. So maybe each provider has their own version?
that's a mutual fund not an ETF :) - but yes generally there are so many providers who might cover similar indexes.
@@TobyNewbatt Aha! I was always curious what the difference is. Would explain why the fees are a tiny bit higher than Vanguard. Thanks!
Vanguard developed Europe include Poland, because for vanguard PL is developed market, for iShares, PL it's emerging market.. so you are double it because you have it in those 2 etfs, the same with South Korea :) just saying
Yep it’s not perfect just an inspiration 😎
I actually think the vanguard FTSE all world ETF isn't that cheap anymore. The one from Invesco has a TER of 0.15%. And one from HSBC is only 0.12%. Ok, the HSBC one is an OEIC and not ETF. But that shouldn't matter for most people.
Thanks Toby, this is very helpful, what would you suggest for just Vanguard fund. Keep up the good work.
Good video. Not sure about your high weighting to US stocks though for anyone planning to retire in the UK, as the value is also affected by the USD/GBP conversion rate, so it's much higher risk. Manageable of course, and not necessarily bad, if you want that level of risk, but worth bearing in mind
I do not know the capital gain tax (CGT) in UK but I think outside of UK, once you start rebalancing and you are hit with CGT in your home country, the overall effect on the portfolio will be much worst than the ~0.15 %p/a. This video suggest that rebalancing is free and it only cost you to actually do the work which I am a bit sceptical. Anyway, I guess the reason why these ETF's have such low fee's is because they are domicile in Ireland (tax heaven) and they can afford it and rebalancing is already inculed in the fees.
Ultimatelly, if you chase (for example) 50 k $ difference (via fees) in your 1 M $ porfolio you should reconsider your life goals. Your life will not be any different.
In the UK we have an investing account which is exempt from capital gains tax, dividends tax or anything else :)
I do videos like this for fun and to help educate people. I even say in this video that it's not worth chasing fees in your portfolio :)
@@TobyNewbatt Yes there is ISA - lucky UK, no taxes in pension account. The rest of the Europe should learn from UK in this regard. But in your video you specifically talk about standard/personal trading apps like the one you state you use "Trading 212" (3:59). Are capital gains taxes exempt in UK from personal investment account like Trading 212? I assume the video is sponsored by the platform.
Well you say that is not worth tweeking to make stuff perfect (11:01) - which can be interpreted as "not worth chasing fees". More power to you to do this videos for fun.
@@rcernan Both Trading 212 and Invest Engine offer ISA accounts :) - I use both of them, they are free to use.
I have never been paid to make a video. I have never done a sponsored video :)
You should probably mention the buy/sell spread of the ETFs as many of them are not as liquid as a single all world or S&P 500 ETF. This adds to the cost of buying the ETFs from your example portfolios.
I specifically chose these ones as an example because they are liquid ☺️. There are cheaper ones with significantly lower liquidity and spreads.
I can’t mention every single detail
In every video though please be aware. Damned if I do damned if I don’t.
Hello, thanks alot for excellent videos, Question: the SPXL you mentioned as SNP500 index, is not relay representing SNP500 actually, it is the S&P 500 Index (300%) means aplify losses and gains of SNP500 by x3. Is that correct?
No it’s not correct. There is a US listed ETF of the same name that does that but this one is just an S&P 500 one you need to make sure you look for the UK listed one. It’s confusing i know
SWLD and EMIM are my go to
Hi Toby, have you done any video on best platform to invest on Nasdaq from the UK? :) i couldn't find on your playlist :) if you have any info on this, would be great to have it. Cheers Vinod
Hi Toby. Great vid as always. Where did you get that desk from? Looks perfect for a space I have !
Thanks - it's an IKEA kitchen worktop that I turned into a desk - then I added some flexispot standing desk legs to it. It's a great combo and loads of people do it. Tonnes of videos on youtube of people doing similar :)
Hi there, I'm new to investing. doing a research I was wandering why you choose CSJP over JPJP being the second in GBP? With CSJP (primarily USD), you'll be exposed to fluctuations between the USD and GBP, which can impact your returns. By choosing JPJP, you avoid this currency conversion and any associated fees.
Good question - firstly JPJP is not available to buy on InvestEngine (it is on T212 though) :) - Secondly, regardless of the base currency of the fund, if you are a UK investor you are using GBP to purchase your investments. The investments are not hedged in any way, so whatever happens, the value of your investments will always reflect back to you in GBP. Same as buying US stocks in a global index fund (mostly of which are USD based). If you are a UK investor using GBP you will always see a GBP price, you can't escape exchange rates.
You can see this in real time if you compare the performance of the two funds they are almost identical on a chart :)
If you buy a hedged ETF then yes - you remove the currency fluctuations - but you are then placing a bet on currency. I prefer to leave that to the market and long term regular DCA - the exchange rate will sometimes be favourable and sometimes be against me.
@@TobyNewbatt ok thank you for the answer. it was really helpful
Thanks mate, I wonder if esg/sri global market is possible? Understandingly it’s not as cheap in terms of fees!
Interesting maybe a future video I need to cover that topic!
Are any index funds like the S&P500 with 0.03% fee but for the rest markets (Pasific, Europe, UK, delevoped world etc). Or is it only index funds related to S&P500 that have the low fee of 0.03%?
no I am afraid there are no global funds with fees that low. There;'s more work to do to cover the world. The S&P 500 index funds get an enormous economy of scale hence the low pricing.
I love your videos but I'd call this one 'Investment Unsimplified'
By the way, lots of people would benefit from a similar portfolio as a mutual fund. Available with your work SIPP and ISA Shares with your own bank. The HSBC FTSE All World Index C Acc is only 0.12% and you can spend your valuable time making savings elsewhere. I don't understand why focus on the new platforms only. Thank you for all your content though!
Although that mutual fund is cheap there are hidden costs to it which add up and don’t forget the reason I talk about the newer platforms is that they are much more cost effective.
Although you can buy that HSBC fund with a low fee the platforms that you need to buy it will cost you a lot more over the long run. E.g. HL, II, Aj Bell etc
I did say during the video that there are many ways to do this. Always enjoy a bit of fun to see what’s possible 😎
Good portfolio but few issues . No bonds ..no rents...no materials so not sure 100% is for everybody. Also u need to mention that the above is only good in a isa and would be a total nightmare in GIA. Wanna do a very usefull video...explain how to calculate dividend calculation for accumulating etf in A GIA. It's a nightmare many have to deal with due to stupid hmrc rules and not a single video giving examples on how to do it....I bet u will struggle to find info on how to do it properly..a massive uk issue for investors that nobody talks about😢😢
Great content, great presentation
What do you think of IJPH or JPHG instead of CSJP?
what is a good high dividen ETF like SCHD that allows UK investors to invest in.
Here is a question for you, and I can't seem to get a straight answer on it. Should you have multiple SIPPs, considering the UK gov only guarantees £85K should your SIPP provider go bust? I know investments in SIPPs are supposed to be ring fenced, but even so there is still risk if your SIPP provider goes bust and it turns out they have not been ring fencing it as they should be. Maybe a topic for a video?
I did a video on this very topic check out my channel 😎
Toby, any chance that you might start selling those great "Invest and Chill" T-Shirts? cheers John
Haha maybe watch this space!
The ETFs you chose, are they all CAP or excluding small CAP?
I use the invesco FTSE all word acc and the fee is 0.15%
Great video. Is there any chance you could advise how safe these new platforms are in regard to the security of your investment.
Any platforms I use, and talk about on my channel are FCA regulated and protected by the FSCS here in the UK. I did a video recent;y going over what this means and what happens if a broker were to go bust I hope that might help you :).
At the end of the day though, there is always risk and it's up to you to decide what risk means to you. It's subjective :)
I wish they would make it simple and make a world-ex USA ETF available in the UK.
That would be nice but I think the demand isn’t enough to justify it. As you are excluding the world’s biggest market! Agreed though it would be nice ☺️
Hey Toby , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?
How do you rebalanced between 5 different ETF's and how often u do that? Sounds very complicated. Thx
For many, once or twice a year is fine for rebalancing. Alternatively one can set a threshold so that when it's crossed, they rebalance. ie if someone jas a rosk appetite of 60/40 equity/bonds, if it becomes 65/35 or 70/30 due to equities having a good run, they rebalance at that point. There's very little point rebalancing for very small movements and new money rather than switching helps to avoid being out of the market to rebalance too.
But if we invest by doing our own pie we will be buying fractional shares instead of one whole shake of an etf. Is this okay ? As far as I know HMRS doesn’t allow fractional shares in İSA. Thanks for the informative video.
Fractional shares are fine in ISAs and have been since the update earlier this year when that was clarified :)
Why not have just the S&P (VAUG) as main etf
Does Trading 212 have the VEUA (ACC version) on it? It seems to only have VEUR which is the distribution version
No sorry not yet you have to use VEUR but you can reinvest dividends easy enough :)
One should be more focused on themes of investing rather than the country's .Alworld trackers with 3000 plus stocks have too many dudes and low performers in them. I tend to focus on performance rather than whose the cheapest. Save 0.1 % but miss out on 20% gains silly method imo.
And how do you know which stocks/markets/themes/regions are going to (out)perform in the future?
You can't...Thats the whole point of buying an index. You are guaranteed to get the both duds and the winners.
If you know which stocks will outperform the market by 20% over the next 30 years let me know!
@Martin_Edmondson technology etfs iitu or if you wanted less risk something like legal and legal global 100 index. That still comfortably outperforms the alworld. Do your research check the numbers past 3-5-10 years, performance, then get back to me 👍 its not rocket science.
@@dubsdolby9437 Of course I can easily find things that have outperformed in the past, that's the easy part.
I'm asking about the future.
Will these funds continue to outperform for the next 30 years?.. maybe, maybe not..
nobody knows.
Thats why you buy the index (and chill.)
@Martin_Edmondson you obviously haven't done your homework properly. The alworld, as I said, has a lot of duds, hence why its performance is average. Etfs like iitu, which are themed, have comfortably beat the alworld over the past 3-5 and 10 years. Indexs like the legal and general global 100 have again comfortably outperformed the alworld because it's not full of duds. Check the performances. That would be my advice! 👍
Ps germany and Japan aren’t a great bet because of the inverted generation gap. Nobody to buy things there
Predicting the future returns of a stock market is not a wise thing to do 😎
Anyone interested in world economics Look up Japan and Germany and China “inverted generation gap”. Basically there isn’t a millennial generation in these countries and a few others. You can see this in all the German and Japan company recent moves to get into the USA. Something to consider if your country doesn’t have a young buying population if you plan to invest in their countries if their economies aren’t looking well in the future.
Why are you focusing so much on the TER? In my voew, the total return os what counts!
You can’t control the total return. But you can control the total expenses. It’s one of the single most important things about long term investing.
If you can tell me the future total returns you’d be lying 😎
Toby love the content. Great work, keep it up.....this is NOT a moan!
This "best ever" portfolio is very VERY similar to your InvestEngine portfolio update from April 24. If I read between the lines here, you're proud to have updated your IE portfolio from a TER of 0.09% to this one's 0.06% ?
It might only be 0.03% but compounding etc, why wouldn't we. So are you using this new pie for your InvestEngine portfolio with immediate effect?
And, super annoying: VEUA is not available on Trading212, so we have to use VEUR instead. Would be great if you only featured funds available across both T212 & IE - thanks.
Thanks as always Jason.
I'm not going to change what I'm invested in on my IE portfolio. This video is just to inspire people and share knowledge. Chasing fees can only get you so far as you also have other issues like tracking error to figure out. I always enjoy to create new ones and discuss the pros and cons though :)
Yes very annoying that VEUA was not available but VEUR works just as well with an autoinvest turned on :)
Thanks Toby. Am I mistaken, T212 Autoinvest is for regular monthly deposits...not reinvestment of dividends?
@@JasonBrownJTB Both - autoinvest works for dividends as well as contributions - you can check here:
helpcentre.trading212.com/hc/en-us/articles/360009635178-Pie-Dividend-reinvesting-DRIP
@TobyNewbatt Further education - and yes I was wrong - I knew I liked you! I hadn't even seen the Autoinvest option under the main pie Overview tab. To help others, I was looking on the Autoinvest tab
Not all brokers allow for fractional buys into ETFs. So if you are forced to buy a full share some of which run into hundreds of pounds you might not be able to keep to the weighting you need or may not have enough to buy at all one month.
Mix in with having to rebalance every single year (spending more again in fees) are you really saving as much as you think?
yes 100% - i'm making some assumptions here that you are on a platform that allows a rebalance with no fees such as the ones I use. But you are correct if you cannot buy fractionals, and have to pay fees, this would make no sense at all :)
@@TobyNewbattwith the way you set it up on invest engine, say I transfer $1000, will that be split with the percentages. Does invest engine have a minimum investment?
Great video Toby
Glad you enjoyed it
I'm currently set up with VWRP (all world), VERG (Developed Europe ex UK), VFEG (Developing markets), VJPB (Japan), VUAG (S&P 500). On the face of it, I have a similar structure and approach to you, but should I sell and buy up your combination of ETFs? Could my selection be improved?
So VWRP already has the whole world so anything you add on to this will change your market weights. Totally up to you all depends where you want to invest 😎
Hey Toby, low fee (0.11, S&P 500 fund) with 20% annual gain or high fee (0.75, AI/Semiconductors fund) with annual 40% gain, which one do you prefer?
This is comparing apples and pears where the fees are not the main consideration :)
I have no idea if an AI/ Semi fund is going to perform well in the future (or whatever timeframes you have) - we ALL know that this area is hot so you can make the argument the prices already reflect all known public data.
The S&P 500 already has all the main players in it already...the other fund is a concentrated fund that is for one sector only..
Who knows - you do whatever you like :)
@@TobyNewbatt Thanks :)
Hi Toby. Thank you for this advice. I'm relatively new to investing and your channel has been very helpful. I cannot find the VEUA ETF on trading 212, only the distributing version, is there an accumulating alternative you have found?
Thanks Phil - you are right unfortunately you have to use the distributing version on T212! - You can auto reinvest the dividends anyway :)
Sorry one more question...where did you find the FTSE global all cap data on region distribution? When I looked at the FT website there is a large percentage (18%) listed as "other". Not sure what this represents.
@@philipcampbell4802 you can find it on ftse global own website just google ftse global all cap holdings and loads of people have the full data. Even Vangaurd site is useful too 👍
Isn't TER based on total profits, why are you saying it as a yearly fee? And you didn't even backtest the historical returns with different weightages? No other explanation other then expenses to explain why those ETF were chosen
No TER is not based on profits…it’s a fee based on the amount invested. You pay no matter what.
You realise that I’ve made hundreds of videos about investing? Backtesting returns has nothing to do with the future 🥴. I specifically did this video as a follow up to a previous one…
You sound incredibly entitled. Why don’t you make a video yourself. Let me know when you’ve done it I’ll be the first to watch! 😂
You are right, I guess I confused it with some other type of actively managed funds. These are ofcourse Passive.
It's true backtesting doesn't guarantee future performance but it is one of the fundamental methods to atleast identify and filter top performing funds over a long term. The most important aspect of investing is the belief that you have done your part by picking the best funds at the time. Ofcourse it's not the only thing to look at, but with a video titled "The Only Portfolio you'll ever need?" I guess I expected more information as to how you arrived to picked those funds apart from geographic diversification and TER being the only criterias.
You can take it as constructive criticism or me being entitled, doesn't make a difference to me mate. 😂
Why the Bond funds are not considered , even with the low allocation
If you want bonds, buy bonds. Not for me thanks this is an investing portfolio for the very long term and it's just some ideas :)
SPXL is 3x leveraged. Not sure you want that. SPXP? (0.05%)
This one is definitely not leveraged! There is a US ETF of the same ticker though which is leveraged. We can’t invest in that one anyway 🙃👍👍
@@TobyNewbattDangers of Google!
Doubled up on South Korea.
Invesco all world fwra is 0.15% the cheapest now
Great video 👍
I think you’ve over complicated it. I’ve gone for 90/10 split of PRIW and AEMD. They are distributed so you have to reinvest but my portfolio is only 0.06% TER
AEMD is a medical supplier...AEMU is Amundi ETF, also AEMU (only one available on T212) is in US $ so currency exchange rate comes into effect....PRIW seems decent though 🤓
@@outsidethebox2037 that’s weird because on invest engine AEMD is an Amundi distributing emerging markets ETF quoted in £
@@outsidethebox2037 that’s weird on InvestEngine AEMD is an Amundi Emerging Markets ETF in GBP
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.
There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist
@@ericgrantl I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders
@@DirkChristian-w2e Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
@@VashtiMaskell My CFA Claire Robert’s Durand , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
@@DirkChristian-w2e Thanks for the recommendation. I'll email her and hope to get in touch soon.
Great video - is there any benefit of separating out Europe and UK?
Purely down to your own personal reasons - if you want more granual control then thats a good reason why you might do it. Or you might have UK in another portfolio for example.
All of these have an esg version?
I can't get half of these on trading 212 🤔
Didn’t you just say in other videos to “buy index funds so you don’t have to deal with picking dividend funds” ?
These are index funds and none of them pay dividends 🙃
How do most of you guys still making profit? Even with the downturn of economy and ever increasing life standards
What About voo, qqqm, schd?
SPXL is triple leveraged are you sure this is the right ticket ?
Yes 👍 - you are getting confused with a US listed ETF of the same name that IS leveraged. This is not leveraged but it shares the same name and it’s a UCITS ETF 👍.
We’ve now had many of the same comments but thank you anyway 💪
Buy quality stocks and hold them forever and forget the ETF shit.
Cool sounds great! You must know the good ones to pick and hold forever right? Can you name a company that has existed forever 😉
Priw and chill