Top 5 Vanguard UK Funds That Will Make You Millions
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- Опубліковано 24 бер 2022
- Here are my Top 5 Vanguard UK Index funds/ ETFs that I think are some of the best available to UK Investors. Everything from the S&P 500 (VUSA) to the FTSE ALL world ETF (VWRL) and everything in between like the FTSE 250 and emerging markets. I look at some high-level details and explain why I like each one, as well as a little fun fact at the end showing you how long you'd need to invest to become a millionaire with a reasonable rate of return. Let me know if you prefer any others or would choose another option?
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If you're looking to get started investing - I've got a tonne of videos on my channel - see my investing for beginners playlist here: ua-cam.com/play/PLCFVJXpieNgGlcg3JfRB9HG6vn5CRNDZ8.html
Thanks for watching and good luck!
Thank you for linking for beginners. I love that you are explaining each instead of just mentioning e.g ETG. Scary as it is just too much information
@@tinad721 Take all of the time you need there is no rush, one step at a time :)
Very informative! I currently have most of my portfolio in the S&P 500 and FTSE Developed World ETFs, but I think I'll switch over to their equity index fund equivalents. They seem to historically return just a little bit more over the longer term, and offer more diversification, for what it's worth. Not having to manually reinvest dividends is rather nice as well!
Toby! Great video... I have been looking out for funds similar to this based on Jack Bogle's recommendations... and I have to say, finding good funds is also sometimes like a needle in a haystack! But you mentioned a few good ones, one of which I already own! But the last one... you are onto something and I was looking for one like this for weeks. Thanks for the great video and good recommendations.
You’re very welcome happy to help!! 👍👍
Excellent video with sound financial advice about owning the whole market instead of fruitlessly trying to beat it. Very interesting video as well from an American's point of view, as these funds are all available from Vanguard here in the US with the exception of the VMID FTSE250 fund which would be a parallel fund to the the Vanguard US MidCap fund only with British companies--interesting! Thanks for your work in encouraging rational expectations and a good strategy for reaching investing goals.
Thanks LB! We’ve got a bit less choice here from the UK as you can see but it’s getting more competitive at least! 👍👍
Great video Toby, I’m finally out from my high charging wealth firm into vanguard, funds clear today and luckily just got out in time just before US had another major down turn. Feeling excited but bit exposed, I’m down to either lifeguard strategy 100 or the new sustainable 85/15 Wellington managed fund on their platform. Main reason for coming across was indexing and low costs, so bit split between the 2. Think with the new esg climate goals etc this is going to rocket over next 5 years. Just invests in high growth stocks and undervalued companies in large and mid cap. It’s a tricky one as like yourself I believe UK is way undervalued and lifestergy gives 25 allocation to UK.
Thanks for the support. Difficult decision ahead but either way you'll be well diversified, you could even go LS 100 and then add a bit more FTSE 100 or FTSE All Cap to skew yourself towards UK for a while if you think they might overperform? In essence its all a guessing game! But either way, sticking long term and investing regularly will put anyone in a good spot :)
👍 🇬🇧
Awesome video and huge viewing figures. Excellent work mate 👍🏼
Thanks mate…just a fraction of yours but I’m working on it 🤪
@@TobyNewbatt I think I got a bit of luck when a video I did way back last year unexpectedly took off about 4 months later.
@@TheCompoundingInvestor still a great feeling 😁
Nice smile and a great round up. FTSE Global All Cap is however more diversified than VWRL because it contains small caps.
Thanks for watching and great point too!
Another informative video. Thanks Toby!
Thanks Hammy!
Great video Toby. I'm avoiding Emerging Markets for now. Too much volatility which I don't see changing any time soon. Think you have the rest spot on.
Thanks Bill appreciate you watching!
Invert your thinking. If people are avoiding, it may be a good time to invest.
If you have a long term plan say 30years, the emerging market should have a greater chunk of your portfolio.
@@Jboy806 Agreed. My plan is a good bit shorter though, hence the caution.
Very good! I always teach my students the super simple way that I invest. Consistent investments into good IndexFunds/ETFs with low fees. Made 6 figures last year doing this!!
Always like simple 👍
I'm about to open an investment account but a bit confused which bank/firm I should choose. I appreciate your guidance. Thanks
Like the idea of the vanguard us equity fund mixed with a ftse 100 etf
Also, with Vanguard the platform fee is capped at about £345 p.a. if you have a combined (SIPP, ISA) total of 250k so, if you have this the ISAs effectively just cost the fund fee (e.g. 0.07% for VUSA)
Yeah great reminder that one Ant, I always forget that its capped so you get rewarded once you start building a nice sized portfolio. I'm still a bit off yet :P
Great vid thank you!
Thank you!
Hi Toby, my preference is the Vanguard Dev word & Emerging Market ETF’s VEVE/VFEM, with about 10% in the EM ETF. Lower combined cost than VWRL with a larger combined holding
Sounds good Stuart! So many ways you can chop things up but costs are always important :)
@@TobyNewbattI’m fairly new to this. I’ve watched loads of Meaningful Money, Damian Talks money & Rebel finance but I’m still a bit lost. I know ETF stands for Exchange Traded Fund but don’t get why I would get this over an index or visa versa.
Can you point me to more info, please?
@@darrenholden7447 Hi Darren. Yes so this can get confusing.
Start from the top - So an Index fund is the overall category.
Inside that category can be ETF's or mutual funds.
An ETF or a mutual fund are two different ways of purchasing an index fund.
ETFs have become more popular over recent years as they tend to be slightly cheaper and more availability as they are traded throughout the day on the stock market - whereas a mutual fund typically costs a bit more but is only traded once per day.
Does that make sense? I also have a whole video here: ua-cam.com/video/GWFbZHoLkLk/v-deo.html
@@TobyNewbatt thanks for the swift reply. Liked and subbed.
It makes sense and I’ll watch the video.
Hi Toby, appreciate this video a lot! Very good and interesting choices that you’ve invested in for your portfolio. I had a quick question in regards to having multiple funds, would you benefit from investing all your savings/income savings into one fund rather than spreading over different ISA’s etc? Or would the compounding across multiple funds be more beneficial? Thanks again for the video!
Hey Matt, simple answer no benefit. £100 compounds the same whether its in 10 accounts or just 1. Although lots of accounts can make your life more difficult!
Also don't forget you can only contribute to one Stocks and Shares ISA per year so you cant open 10 and pay into different ones. You can open as many normal trading account through.
@@TobyNewbatt Thanks for your help/advice Toby! It's much appreciated.
Great video Toby and fantastic to see how much your channel has grown. I think I was one of your first subscribers so to see it at over 2k is great, well earned and keep up the great work!
Would love to hear your opinion on best Vanguard funds to hold approaching retirement. My dad has recently retired and we are porting over his investments from Wealthify (high fees). Curious to know which fund(s) would be advisable.
Ahh thanks for the kind words, appreciate the support. It's amazing how far we've come already!
Big question that one - all depends what you need here, presumably either some kind of drawdown or dividends? I'm no expert here, but you'll want to consider if you need bonds to preserve wealth, and also stay very well diversified. You could make a mix of a global bond fund with a global equity fund at a level that suits risk? 60/40, 50/50? Could even look at their dividend fund too and if possible utilize that income for living?
I think Ramin over at Pensioncraft and Pete from Meaningful Money (both excellent channels) might have some invaluable videos if you don't already watch them as well :)
Thanks again for the support.
great video. thank you
Cheers!
Hi Toby. Many thanks for the very informative video. Are these funds all accumulating funds or do they give out dividends? Also do you recommend the same funds in 2023 or has that opinion changed? If the latter, can you please make an updated video on the same? Learnt loads from you. Huge thanks again. 🥰
Might be worth an update video soon! Pretty sure these funds are all dividend paying, as Vanguard doesn't have any accumulating ETFs on their website platform directly.
You might like another video I did about best index funds where I went through more than just Vanguard :)
Good video Toby 👍 do you know if there are any ETFs that track the UK AIM index? Cheers
Thanks Keith, great question. top of my head I don't think there is one that tracks it exactly, however I know there is the iShares UK small cap (CUKS) might be worth a look?
Another helpful video… thank you.
Thanks mate! Always chuckle when I see your username come up 😂
@@TobyNewbatt oh sorry if it’s a bit rude… I was a fan of monty python and nicked the name from a character in one of their films.
Once again thanks for the help and info.
Hi Toby, what’s the best way to invest in Vangard from Ireland. They currently don’t operate here.
Your designer stubble looks good 👍🏼
😁👌
Vwrl or the Acc version Vwrp don't include small caps, they invest in Large and Medium size companies. If you want small cap exposure as well then the Vanguard ftse global all cap index fund offers that
I love VUSA Been in It since 2019 on Hargreaves Lansdown, currently looking at VWRL to invest in.
Always good to look at being more diversified, i'm thinking similar too.
Hi Toby - Great video once again!! What are your views on the Vanguard LifeStrategy Funds?
Cheers Finn, I'm definitely a supporter of those funds and I think they are especially good to get started and/ or for those people who want the most hands off approach - which for a lot of people in this space, is a good move. I think its especially good for people with long time horizons who can just invest monthly without thinking about it :)
Great interesting video as usual Toby. At the moment I am £4100 down on my £133250.00 investment I was £9100 I am still investing and from April will put the full £1666.66 in a ISA in VWRL. Good luck
That’s what we like to hear! It was a tough battle to get through this recent pull back but for us long term folk it’s just a sale. Fingers crossed we’re on the way up 👍👍
Love it Toby! Whilst I feel like I know my way around ETFs… it was nice to learn a bit about some of the other funds Vanguard has to offer!
Love the way VUSA and VWRL are doing so passive and have access to trade at anytime ( during market hours )
Enjoyed the reference to JB, what a guy he was!
Yep big fan of those ones, anything that costs people less to invest and helps build wealth, I'm in!
Hi Toby. New sub here. Why do you prefer etfs over index funds? You don't mention the ftse all cap global fund which automatically reinvests dividends. Is there an advantage to vwrl?
Hi David, I mainly talk about ETFs just to keep things inclusive as they are available on many more platforms whereas mutual funds are not available everywhere also tend to be a tiny bit pricier. And there are plenty of ETFs that do accumulate too, just not on Vanguards own platform :)
Hi Toby, great video thank you. Just curious to know your thoughts on FTSE Developed Europe ex UK. Don't you think its a good idea to invest on European stocks (ex UK)
? Cheers
Hey! 100% I think it's wise to have a globally diversified portfolio. I now have the majortity of my investments globally.
Would you say V3AL is the ESG version of VWRL? It does include small-caps as well! I tried to link it but I think youtube deleted the comment.
Both have very similar holdings (Top ten holdings are basically identical, just the % is slightly different)
Yeah V3AL certainly looks to be the ESG option if thats what you wanted to look for, it does mention that it seeks to track the FTSE global all cap choice index. Slightly higher costs, but yes also includes more stocks too, nice option :)
Another great video Toby.
If you do go for the FTSE 250 fund, which I have and think is great for the coming years, how would you then balance it all alongside the S&P 500 and All World? I have the S&P500 too but am heavily weighted towards that at 70% currently.
Hi Matt, in my Vanguard ISA i'm 85% VUSA and 15% Emerging. With the FTSE 250, id probably want something like 5-10% i reckon maybe shave off 5% from each. I'd be overweighting either way but then who knows where the growth will come from!
@@TobyNewbatt thanks for the reply and that makes sense to me. I am 70% VUSA, 15% in the 250 and 15% bonds at the moment. Kind of think the bonds could be a longer term waste of time so may chop that for the emerging market when I do my next 6 month review in late April.
VUSA is a continual winner for me - not much can beat it in terms of consistent return!
Yep the S&P 500 is going to be the gold standard benchmark for the forseeable!
VUSA vs. U.S. Equity Index Fund ACC? Which one would you choose?
The returns on the US Equities fund has blown my mind a bit. I'm in VUSA and VWRL and this video has made me consider flipping to US Equities fund
Hi James, yes the S&P 500 has had an amazing run and when you compare it to VWRL up until today it can be very tempting to just stick with VUSA.
However (even though I'm mostly in VUSA myself and fine with this level of diversification) there have been decades where international stocks have outperformed it, and it has gone in cycles, I've done videos on this on my channel. So it really now all depends on you and if you think outside of the US might now be undervalued and you value the opportunity outside of it? Either way, the most important thing will be sticking with something over the very long term and consistently investing :)
Hi Toby just started investing in Vusa through Freetrade.
Nice one! Good place to start 👍👍👍
I invest in vanguard global all cap and I have noted that my portfolio has gone down by a few pounds. I heard stock is down a little and I only started investing - just my luck!
Consider it a sale Leslie! Its a long term game :P
hey Toby I am a new bee in this world thank you for the video. just wanted to ask before I dive in can i make one of payment £1000 instead of putting every month £100 or £50?
Yes you can invest however you like - just pay attention to whether you're buying a Fund or an ETF as they are sold differently :)
His Toby - what should you go for if you had £200 a month to invest - vanguard S&P 500 (acc) or vanguard S&P 500 (dist) - thanks
See other comment reply mate
Hi Toby, theres no such thing as a stupid question right...? I am new to investing and want to put some money into the Vanguard Emerging Markets Fund. On Hargreaves Lansdown it's coming up under stocks, am I looking in the right place? Thanks
Great question Will. So there are 2 Vanguard Emerging Market Funds.
1 is traded as an ETF - so therefore will be in the 'stocks' section (ticker symbol VFEM)
the other is traded as a mutual fund - found in the funds section, it has the same name without ETF at the end.
Does that help? I've done videos helping you understand the differences between the two :)
Hi Toby - no mention of the Vanguard FTSE Global All Cap Acc, what are your thoughts on that fund? I have 95% invested in that.
Great fund almost identical to VWRL except it’s not an ETF so I chose that for convenience instead 👍. Great diversity and nice and simple too!
@@TobyNewbatt hi, so why have you chosen a etf. Surely they cost more ?
@@aaronfrancois2918 Hi Aaron, its the other way around, the ETF is cheaper (0.22%) and the mutual funds Is (0.23%). Pros and cons outside of this too :)
Great video Toby! Does it make a difference if you for example, put in £10k in a lump sum vs. £500pm over 20 months? As in, is there a difference in benefit? Hope that made sense. Appreciate the content 🙂
It all depends on what happens in the future which none of us know :). The difference in the return all depends on the market which, in the past has favoured lump sum rather than money in over time. However I think you're asking about the real difference in cash terms...again it all depends on the market but in reality it probably wont be a massive amount.
Hey Toby, so I've been doing a lot of research for awhile and finally willing to make a move. I was initially going to start investing at the very least £100 (monthly) into S&P 500, but now I'm hearing more people recommend the FTSE Global All cap since it contains (correct me if I'm wrong) more than half if not all the 500 from S&P 500 plus more? Would it make any sense for me to invest into both long term (adding 100 monthly for both) since they do overlap, but I don't mind. If no what one would you recommend long term? and another long term index fund you see doing well, Thanks!
This one is all up to you buddy. Having a global index like the FTSE Global all cap lets you invest in companies based all around the world and provides you with more diversification than just VUSA - even though it's still diverse enough for my needs. pros and cons it all depends on where the growth comes from in the future and how diverse you want to be
@@TobyNewbatt Thanks man! So is there any point choosing FTSE All World if I do invest in FTSE Global all cap? since they both target globally? (Assuming they overlap too).
@@sjakinnawo8757 Hey man - yeah basically the difference is all cap includes small companies but all world only includes large and mids.
In the long run they will be almost identical, in performance most likely...so it's really up to you :) - whatever feels right to you and lets you sleep better!
@@TobyNewbatt thanks man, appreciate it! 🙏🏾
do i have to pay withholding tax when investing through the Vanguard platform?
thanks
Hi Jack, yes as far as I am aware, if you own VUSA for example, any dividends paid out will be subject to the dividend withholding tax. The rate is 15%.
Personally i’m moving into SMH, i prefer ETFs that target a particular sector and i think semiconductors is a good place to be.
Certainly some mega growth in that sector still to come I reckon, thanks for watching Chris
Where can you invest in SMH in the UK though? Is there an equivalent tracker?
I have sold my ISA funds and looking to put into Vanguard FTSE Global All Cap Index Investor Acc GBP is it better to put lump sum £30k or smaller chunks over time.
The stats say to just lump sum all at once, but I think you should just do what works for you and what will let you sleep at night!
Hi. Can I buy VUSA with Euro? If not, is there and ETF, which is the same like VUSA, for Europe which can be bought with Euro? SPDR ETF? Thank you.
Hey, you should be able to as it’s a regular UCITS etf. If not if you are based in the UK buying anything not in £GBP will be sold as a cfd and not a real investment so be careful
If Apple became worth less usually via price change wouldn’t the index fund weight go down proportionally. An index fund wouldn’t need to adjust the weight or trade because of this….. ?
That would work if the companies in the list never changed and new money never came in, the issue is you have new money coming in and out all of the time so its got to be constantly kept in check :). Hope that makes sense! Thanks for watching.
I am just getting a little into this myself and have platformed my 2022 ISA with IG. I have 25% VUSA and then 40% in LifeStrategy 60/40 via V60A. Then there is 10% in bonds and the final 25% in specific stocks that I have chosen. This is a bit of an experiment long term hold account. I am confused by V60A as I could not add the LifeStrategy versions on the UK Vanguard site via the IG platform. So I am in V60A in Euros. It appears to be a world account in terms of the stocks and bond balances. Have you come across V60A?
Hey Mark, hmmm this might have to do with IG as a platform here I suspect. Not every Vanguard fund is available across all brokers. You could have multiple accounts if you want, unless you're using a stocks and shares ISA?
@@TobyNewbatt Yes I have maxed out this year's ISA allowance within the IG account. Maybe next year I do a Vanguard platform hosted ISA.
Hi - Can you correct me here, If I Invest In VUSA, the fund is priced in $USD. As Sterling at the moment has fallen off a cliff, so say for example in the next year Sterling actually regained 20% of its value wont this affect the Value of the fund which is in $USD. So If the fund actually increased by 20% this will be offset by the value of Sterling increasing by 20% so essentially you get zero return ?
Hi Graeme, correct if the pound strengthens anything that you’ve bought in VUSA if stays at the same value will technically lose. However buying more will then mean you’ll get a better deal if your pound is strong. Over a very long period of time there is always risk with currency so that’s why you’d make regular investments over a long period of time. Even with UK stocks you can’t avoid the US exchange rate as most companies get their income from outside the UK especially the big companies 👍👍
@@TobyNewbatt I take it then its better off to buy into a Sterling based fund, wait for the £ to strengthen back to 1.30 - 1.40. That way Ill at least get the rise out of the fund. Any suggestions on Sterling based Vanguard ETF funds ?
Hi Toby. What's the difference between VUSA and VUAG? Which one is better for UK investors?
The only difference is VUAG is the accumulation version and VUSA is the dividend distributing version.
Exactly the same otherwise. Personally I don’t care about seeing dividends so I prefer VUAG as otherwise with VUSA you’ll have to manually get dividends reinvested
@@TobyNewbatt Many thanks
What do u think of the vanguard 100percent life Strategy funds
I like them to help people get started investing in a single fund 👍. But I don’t like the overweighting to the UK. A well diversified fund otherwise but with a bit of help I think you can do better if you want to spend the time 👍
@@TobyNewbatt I started investing into the 100 percent life Strategy fund for about two months now at 100 month for my first investment
Is VUSA (50%) + VWRL (50%) a good combo or too much overlap?
Hey DJ, nothing wrong with doing that all that would do is double up your exposure to the US market. So rather than 60% US, it would weight around 80% if my math is correct! Completely up to you, unless you do some kind of VUSA/ Developed ex US split?
Most of VUSA is in VWRL, I only invest in VWRL no overlap then.
Just about to turn 26 so looking forward to a big 60th birthday 🤣
What's the ticker for the second fund. The one that is similar to vti
It's a mutual fund not an ETF so it doesn't have a ticker. I don't think we have a total US stock market fund that is a UCITS ETF I can think of top of my head! maybe something like the developed world fund?
Question for anybody who can help… been advised to invest money monthly via debit into a fund with intention to leave it in there over the next 10+ years. I’m after one where i put the money in and the fund invests in the stocks and bonds it owns for me and i basically just sit back with hopes to see it grow and don’t have to do it myself. Im literally new to this so what account do i need for this as there’s loads of options? stocks/shares isa? fund and share account? lifetime isa?.
any help would be appreciated 🙏🏼
I have lots of videos on my channel for you :)
Whats etf and is it different to just the normal s&p? Or is this the normal s&p
The S&P 500 is an index and an ETF is a type of investment that can sometimes track an index so they are not the same thing.
There are many ETFs that track the S&P 500. I hope that helps
Do you offer a course into all this stuff for us U.K. folk ? Would be interested friend thanks
No specific course but I’ve made a tonne of videos for investing for beginners check out my channel and my beginners playlists 👍👍👍
@@TobyNewbatt i think you should bro ! alot to learn
@@Mandems96 maybe one day! There’s a lot to cover appreciate the suggestion!
For the FTSE All world on InvestEngine is FWRG a better option than the VWRP as it costs less?
It can be sure. This video was to show Vanguard funds specifically and FWRG is an Invesco fund not a Vanguard one :)
@@TobyNewbatt Of course yes, was watching a few of your videos and was just curious as a beginner if I was missing something. Love the content!
I have come to the conclusion that I really only need one index fund - VUSA or VWRL.
The retirement funds aren't very good in my opinion ( and probably anachronistic) and the
lifestyle funds are mixed. I'm down £17k since December mostly as a result of a large
investment in a Vanguard retirement fund. There's a lot to be said for simplicity when
investing especially one with a good stock mix and a good track record. I personally do not
invest in any UK indexes largely because :
1) they're not really high growth
2) focused on dividends
3) Brexit
fair assessment, I don't mind their retirement funds or lifestrategy for new investors to get started but with just a small amount of knowledge and some confidence I think the average person can do better! Lets see where UK stocks take us too, I'll only have them as a small part of the portfolio either way :)
@@TobyNewbatt Agree I like UK Stocks in my portfolio for that reason I also have Lifestrategy 100%. Yes it's currently down but Done very well for me so far. Don't discount UK in my opinion.
Really been enjoying this channel. I invested £10k in crypto in 2020 and turned it into 500k but didn't cash out so lost almost all of it. Now I'm being sensible and DCA'ing into index funds with a 20yr time horizon. I still cry myself to sleep about not cashing out the 500k 😢
You didn't invest 10k into crypto, you gambled 10k into crypto. If i go to the russian roulette and put 10k on nr 22 and it comes out i win 500k. But then i put them again on another number and i lose it all. Crypto is the same thing. Stop thinking that you didn't cash put 500k and start thinking that you "only" lost 10k but you gained knowledge and experience (hopefully). Best way to learn early is to loose money. Good luck in the future
LOOOOOOOOOOOOOOOOOOL@@CaptHotah
Can you Accumulate with s&p on vanguard or do you have to reinvest your own dividends?
Only using their mutual funds im afraid as they don’t have any S&P 500 accumulation ETFs. It’s why I also use other platforms like invest engine and trading 212 to get access to VUAG as an example
@@TobyNewbatt Brill! thanks for clearing that up. It gets a little confusing knowing what funds are on the vanguard site vs other platforms.
Problem is not many people on their 20s have £500 a month to invest, barely managing this amount now from age 32
I am interested in the fee debate, if the fee is high and the performance low then that is pants, but I never look at fund fees I look at performance, I don’t care what the fee is if the fund works well, and the vanguard funds I have looked at were not high performers, so I think people need to be very careful not just to go shopping on fees.
Hi David, its a great observation and one you would assume correlates i.e. high fees must mean you're getting good returns in the long run. Unfortunately, in the real world actively managed funds, often with high fees fail to beat low cost passive index fund investing around 90% of the time across long time periods. In fact even in the short term, you only have to see that around 70%+ of active funds fail to beat low cost index funds, which is why investing like this has grown so dramatically. There will always be fund managers who beat the market in the short term, Cathie Wood is a great example, but look what happened to the fund recently, popular funds get money pumped into them by investors because they look at short term results, but then the big funds can't continue to outperform so they start losing money and the cycle begins again. If you've not read John Bogles book the little book on investing check this out, also see A Random Walk Down Wall Street another great read which debunks all of the myths around stock picking and investing. Thanks for watching.
I just started and put 900 in to v3a b which is not one of popular ones and wondered wether picking lesser known etfs are better for long term.growth I retire in 15 years
Interesting one Craig, ultimately if you want to outperform the market then your portfolio has to look very different to it/ be highly concentrated. So there will be merit in what you're saying, but also this carries risk too. It's like going heavy into small caps or smaller companies, more upside potential usually but also great volatility which might be too risky for you. So many factors to consider :)
@@TobyNewbatt thanks for reply i am a risk taker and was wondering if you could do a video onm pros and cons of lesser know etfs vs the more popular ones as dont think anyone has done that yet on youtube
@@craigbradwell3451 Great suggestion Craig, i think thats a good video idea for 2023. I did one a while back looking at electric cars/ AI etfs so this could be a similar video :)
@@TobyNewbatt yes loved that one i look forward to seeing what you think. i have seen some low cost global etfs that cover low mid and large capp but they are not popular and wondered why people are going for high priced choice insterad
happy new year toby. do you think that lower cost index funds for example V3ab at around £4 per share will benefit from a mark collapse and cost of living crisis as people will switch to low costs to preserve there investments
VUAG is now available on vanguard U.K. platform.
Very interesting!!!
Which one gives 8% rate in return?
The US stock market has given this return on average over more than a century - So either something that covers the S&P 500 or just the US total market might be a good starting point
Even if the world Carrys in going global, will stocks still exist?
I'd not want to bet against there being any form of market to invest into equities, it's probably the best wealth building tool ever created. Are you concerned there wont be?
@@TobyNewbatt ye, will stocks exist if we go full globalist, woke & klaus gets his wish?
@@turnitaround7344 watch this space :P
where is the ftse 250 on trading 212 i cant find it anywhere!
Hi Lewis - try S250 thats one option Invesco FTSE 250 or Vanguard VMID. type those in the search and you'll easily find them.
@@TobyNewbatt sorted thanks mate
are the fees the same on hargreaves lansdowne?
The funds are themselves. But of course HL have higher platform fees you need to keep an eye on depending on the account type you use 👍
@@TobyNewbatt thanks
If you had £100 only to invest ISA stock & shares and wanted to invest & forget, which stock & shares would invest, S&P? I'm trying to convince my friend ;)
For me it would be between the S&P 500 or a global index like VWRL, if you truly want to just set and forget and cover yourself. :)
A lot off these theres some overlap, is this OK?
I wouldn't own all of these together this is just to provide you some inspiration.
LOL all the British Financial youtubers recommending vwrl and US index funds that aint vusa, but here i am kamekaze yoloing into the S&P500
I'm a big lover of VUSA, check out my portfolio updates. But gotta diversify a bit more just in case :P
VUSA- although an auto accumulator is better = VUAG or CSP1.
Yep thats right, just not available on Vanguards platform directly :)
VWRL (VWRA, VWRD) basically unbeatable
You won’t go wrong with a global index fund invested regularly over a long period of time
With the high property price, and the potential disappearance of ISA, the investments in stocks and shares are not encouraged by the U.K. governments.
They might get rid of ISA’s?
If you have a long term plan say 30years, the emerging market should have a greater chunk of your portfolio.
Nobody knows what the future will hold, lets wait and see :). Thanks for watching Jay
I need help understanding this...
You're not alone!
Wish I research this years ago, atleast I've still got 30 years until retirement.
omg i actually thought the ftse 250 was the top 250 uk stocks rather than the 250 after the first 100😂
It would make logical sense! But yep its right, an easy mistake to make. The only one that includes both is the FTSE 350 (100+250)
Me too!
has it made you millions, Toby ? thx
Not quite JD, but enough time and consistent contributions will get me there watch this space 😁
It's true that the stock market has historically delivered staggering returns. Sadly as Charlie Munger has pointed out, future returns are likely to be much more modest.
Inflation is fast outpacing even reasonable stock market returns. Better to spend your money now and enjoy it before inflation rips it to shreds, and before you die and someone else spends it.
Who knows what the future holds. I do know that if you check Munger and Buffets forecasts many years ago they said exactly the same thing. At the end of the 80's they said that the 90s wont give them the same returns as the previous decade...the rest is history, i'd rather not spend all my money now thanks :)
Do these stocks compund?
Great video, I’d just be careful on the wording of the title and your use of the word ‘will’. Nothing is guaranteed.
you're totally right, i'm taking a bit of a creative license here to inspire people! Nothing is life is certain. Thanks for watching mate!
I came for UK and all I got was my American company 😂😂
That's where the money is :P
Ftse 250. Ouch
might need a few more years with that one :P
@@TobyNewbatt n maybe another decade with emerging markets! Though I can see all world doing a lot better next couple of years.
But 250 was storming it start of pandemic
mm
Jokes on you im in my 20's :D
Lucky beggar! Haha I wish I knew about all this stuff back then, thanks for support mate!
I`ll die poor. Waiting for dividends to pay you if you are in the middle class, good luck..........you reach 85 to make 100 a month...
Is this the canadian trillionaire group?
Huh? :P
Terrible title. Sorry...
Thanks Sami merry Christmas
@@TobyNewbatt "that have the potential to make you millions."
Don't act like i am just another guy who likes destructive criticism, I am not. But those click bait titles are just baits for young people wanting to make money easy. Don't support that untruth...
VMID??? 😂😂😂😂👎👎
Don’t get stuck in the past performance trap. UK small caps over the long run have returned more than 14% per year. Personally I just own everything
has anyone actually become rich from doing any of this?
Hey Tony, it wouldn't be just my opinion but the stock market and equity markets generally have been on of the greatest wealth building tools of all time.
@@TobyNewbatt thanks for the reply, is it possible for someone brand new to stock markets able to learn and get rich of it and can you recommend anything? Thanks
Warren buffet.
@@tonyc1167all pensions providers invested your money money in funds, bonds, stocks and property 😊
@@tonyc1167 no you especially have a 90% failure rate….
Nobody wants to invest a penny in the UK...nice try.
Thanks for watching :)
Aftenoon Toby. Newbie, doing research before deciding what to invest. Can all these index funds be found in VAnguards stocks and shares iSA?
Hi Farukh, yes these are all Vanguard funds, you can invest in them through Vanguard or many other platforms like T212 etc :)
@@TobyNewbatt Thanks for the reply. I appreciate they are all vanguards, so i imagine they will be available in the Vanguard S & S ISA too...will have a look
I am from England where i work as a journalist until i met Expert Mrs Amanda K Mrs Amanda K is legit and her method works like magic. I keep earning every single week with her new strategy.
Hi Toby ! qq: in HL, what's the code for the Vanguard U.S. Equity Index Fund (video 02:45) ? is this one ? VANGUARD US EQUITY INDEX INCOME (GBP) ? btw ! great video ! the best one !
That's a mutual fund not an ETF so there is no ticker symbol. You can only buy it though platforms and not on the stock market. It's just a US market index fund though it's nothing unique.
@@TobyNewbatt thanks a lot ! Great clarification! I’m building a junior ISA to my kids.
@@TobyNewbatt I know this video is two years old, but I've just checked out the Vanguard U.S. Equity Index Fund - Accumulation (VUSEIDA), on my Vanguard account and it seems to have changed. There are "only" 3620 stocks listed now and the "Risk" has gone up to 6. Was it redefined for the U.K. market on the Vanguard platform?