The Only Index Fund I'm Buying Now.

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  • Опубліковано 23 січ 2025

КОМЕНТАРІ • 835

  • @DamienTalksMoney
    @DamienTalksMoney  Рік тому +39

    I did not discuss the HSBC fund in great detail here and i probably should have, I am sorry for this! It is an index fund and the brokers I use are primary ETF only. In my experience, the fee savings on this funds is offset by other fees charged by platforms that provide the fund. However, below is a sheet I have compiled. It goes through some of the major brokers and their fund options in a bit more detail, in case you are considering options outside of those I have listed in my description and which I personally use.
    handy cheat sheet together: financialinterest.com/index-fund-cheat-sheet/
    It has an overview of leading brokers, their fees, their most popular funds, a glossary to simplify complicated jargon, and more!

    • @philgosling
      @philgosling Рік тому +1

      Fantastic and much appreciated - Well done.

    • @donkeyshorn
      @donkeyshorn 11 місяців тому +1

      I'm with ii and have the 'Vanguard FTSE Glb All Cp Idx £ Acc' and the fee is .24%. Has it gone up or am I looking at the wrong one? Damion has 'Vanguard FTSE Global All Cap' as .23%

    • @philgosling
      @philgosling 11 місяців тому

      @@donkeyshorn FTSE Global All Cap Index Fund (VAFTGAG)
      Accumulation 0.23%
      Reinvests any dividends with the aim of growing your investments over time
      Income
      Distributes any dividends to you, to take as an income
      Overview
      Price & Performance
      Portfolio Data
      Distributions
      Costs & Minimums
      NAV price (GBP)
      As at date 30 Jan 2024
      £195.58
      Change
      -£0.03 -(0.02%)
      Number of stocks
      As at date 31 Dec 2023
      7,108 Stocks
      Ongoing charge (OCF)
      0.23%
      Transaction costs apply
      Risk
      5
      5 out of 7

    • @SomeoneThatDoesntCare
      @SomeoneThatDoesntCare 10 місяців тому

      @@donkeyshorn i think the ETF version is slightly cheaper for some reason

    • @aligardner10
      @aligardner10 6 місяців тому +1

      What’s the pros and cons of index vs ETF?

  • @So.ladylike
    @So.ladylike 3 місяці тому +291

    I have a 3 fund portfolio but I have finally decided to invest in ETFs, alongside. I’m looking at SCHD, VUG, VOO, XLK or SCHG.

    • @ms.scooterrider
      @ms.scooterrider 3 місяці тому +2

      Great picks! I like XLK and SCHD equally!

    • @So.ladylike
      @So.ladylike 3 місяці тому

      @@ms.scooterrider thank you! Actually would it be silly to have both?

    • @ms.scooterrider
      @ms.scooterrider 3 місяці тому +7

      @@So.ladylike Not necessarily though there is a fair amount of overlap but that’s not necessarily a negative. Most important thing is to get started and build your income over time to continue investing more as time goes on. I just surpassed 500K from an initial deposit of 85K nineteen months ago

    • @Mitchell.Holland
      @Mitchell.Holland 3 місяці тому +3

      I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!

    • @So.ladylike
      @So.ladylike 3 місяці тому +1

      Keep it simple, buy things you understand, take some risk but don't try to shoot the lights out. I’m invested in low-cost ETFs, global index funds, and individual stocks and use a CFA. On average, she takes 10% off earnings, but using *Lina Dineikiene's* system makes it much more hands-off. I conservatively follow her recommendations and market entry and exit points, and tbh this makes it fairly simple for me :-)

  • @tommyleejohnson7308
    @tommyleejohnson7308 11 місяців тому +41

    Nicely done, well taught. As a retired finance/economics prof, your teaching skills are much superior to mine.

  • @elliot5504
    @elliot5504 Рік тому +63

    Cathie Wood'er, should'er, could'er. Great line.
    Find your videos always have great writing 👍

    • @DamienTalksMoney
      @DamienTalksMoney  Рік тому +16

      Thank you so much! I spend the most time on the writing side of things so really appreciate the nod to the script.

    • @Gold.Circle.
      @Gold.Circle. 10 місяців тому +2

      Crashy wood is

    • @michaelh2282
      @michaelh2282 7 місяців тому

      You deserve a "like" for that line.

  • @stuarth9359
    @stuarth9359 Рік тому +45

    Re Vanguard fees, I believe the Vanguard US parent company is a mutual co, owned by and for the benefit of their US investors. Charging higher fees in their non US jurisdictions (UK & AUS) enables them to keep the US fees artificially low 😢

  • @Me-ll4ig
    @Me-ll4ig Рік тому +13

    Damiens videos are always so interesting, never thought talking about stock markets could be so interesting but Damien is a total expert.

  • @kiesviswa7665
    @kiesviswa7665 Рік тому +3

    1. Why 2. What and 3. How. Proper video! Great work and more of these please.

  • @brianaaustin9484
    @brianaaustin9484 8 місяців тому

    Thanks!

  • @blottonthelandscape
    @blottonthelandscape Рік тому +13

    You’ll need to consider tracking error and also how they might add performance at the margin eg: stocklending, trading around index announcements, corporate actions for example.

  • @naomicgabriel
    @naomicgabriel Рік тому +10

    Your editing is so good! So engaging and witty.

  • @nicofit3656
    @nicofit3656 Рік тому +4

    Since I came across your page I’ve made some big progress in terms of investing. Thank you sir.🙏

  • @DanKohan
    @DanKohan Рік тому +14

    Great video, Damian! I completely agree with your approach to investing in passive, low-fee global index funds. It's all about keeping things simple and cost-effective. Fees can eat away at our returns over time, so I appreciate your diligence in finding the most cost-efficient options. Thanks for sharing your insights!

  • @overripe
    @overripe Рік тому +15

    Somehow, I like this chap and what he says.

  • @vinylwarmth
    @vinylwarmth Рік тому +4

    Why do you use an app to buy your funds and not in a Vanguard Stocks & Shares ISA directly?

  • @gregoneill990
    @gregoneill990 Рік тому +17

    New subscriber here. These are great videos. Very well presented with useful, practical advice.

    • @DamienTalksMoney
      @DamienTalksMoney  Рік тому

      Welcome to the channel and thank you for the lovely comment 😊

  • @randomnoctis6361
    @randomnoctis6361 9 місяців тому +1

    Wtf is this dude showing all for free?! This is amazing work!! Thanks!

  • @LEWIS1992
    @LEWIS1992 Рік тому +31

    Great video! It's worth remembering that fees can change, so I don't think it's worth the faff of moving everything to a new platform unless the fees are SIGNIFICANTLY different.
    Gonna stick with Vanguard for now.

    • @pistopitpit
      @pistopitpit Рік тому +4

      If customers stick with Vanguard, then the fees on that platform are unlikely to change.

    • @xavierm3415
      @xavierm3415 3 місяці тому

      @@pistopitpit keep what you have but continue investing on the new one with cheaper fee. They WILL get the message...

    • @screambluemurder101
      @screambluemurder101 Місяць тому +3

      This aged well

    • @user-qd5lo6oi8n
      @user-qd5lo6oi8n 14 днів тому

      ​@@screambluemurder101vanguard fees have only changed for small amounts. It's still the same if you're investing good amounts

  • @TheRealMerl
    @TheRealMerl Рік тому +7

    My favourite youtuber is back with more fantastic content - such a Legend

  • @Desuetus
    @Desuetus Рік тому +10

    The spread is a hidden cost. On Vanguard it's 0.03, on Invesco 0.29. What you're gaining in total expense you're loosing in spread.

    • @zanmatoshin877
      @zanmatoshin877 9 місяців тому +1

      What is spread??

    • @Desuetus
      @Desuetus 9 місяців тому

      @@zanmatoshin877 Difference between asking price and bidding price of a stock. It indicates liquidity. Like when you buy or sell a currency, you see a small price difference.

    • @fewik8567
      @fewik8567 Місяць тому +2

      A broker is buying these for you essentially, spread is how a no commission broker makes money.
      They buy the asset for you and sell it to you and an increased cost, and when you decide to sell, they will do the same and buy from you for less than its value, the amount depends on the amount being bought/sold but it's often a small percentage. And where companies offer a low spread there's usually higher fees or vice versa.

    • @OliM9595
      @OliM9595 2 дні тому

      does the spread matter so much if you are holding for 10+ years? would the fees not make a greater impact?

  • @my7username7is
    @my7username7is Рік тому +38

    I think if you live and work in the UK, it makes sense to invest in funds that exclude UK.
    If you look at your finances as a whole (salary and house etc), you're probably relatively overinvested in UK

    • @lechprotean
      @lechprotean Рік тому

      @@Gjudxdkjyzddhjnr7091 yeah, I do not live in the UK and the strategy worked great for me too

    • @83craigshag
      @83craigshag Рік тому +5

      Provably best not to take financial advice from a youtube post... my uk investments have done really well the the past few years

    • @roccostiff2444
      @roccostiff2444 Рік тому

      @@83craigshagcan I ask how you invest in the UK coz the only thing that makes sense for me In this poxed country is Bonds 🤷‍♂️ lol

    • @Joe-lb8qn
      @Joe-lb8qn 6 місяців тому

      I agree and have invested like this for years, on the basis that if the UK is doing well then so am i (eg money going into healthcare transport local councils etc) and if its not then the pound will fall and my foreign investments will do even better.

  • @Reevesy791
    @Reevesy791 14 днів тому +1

    How does it compare to iShares MSCI ACWI (ISAC)?

  • @DR00002008
    @DR00002008 Рік тому +7

    So why does VWRL consist of 3688 stocks but FWRG consist ‘only’ of 1745?

    • @aumgelic
      @aumgelic Місяць тому

      Its FWRA not FWRG.

    • @DR00002008
      @DR00002008 Місяць тому +2

      @ It’s both

  • @juanparadinas7696
    @juanparadinas7696 21 день тому

    But what about Spread. If you do periodic purchases you will get less shares which significantly will impact your investment

  • @Seemo-45
    @Seemo-45 6 місяців тому +1

    So which index are you recommended. I an new, learning how to invest

  • @festerarl6653
    @festerarl6653 Рік тому +2

    Good reminder for me. I'm moving more to passive with global OEIC's - V/g and HSBC - on a zero cost platform. I am keeping a small percentage in active funds but that suits my personality.
    KISS springs to mind.
    Keep it simple stupid!

  • @kieraardley1051
    @kieraardley1051 Рік тому +4

    I’m invested in VUSA and the Global All Cap index funds on Vanguard? Should I be just investing in one? Am I wasting money on fees?

    • @sid35gb
      @sid35gb Рік тому +1

      Management fees are a drag on your investment.

    • @kieraardley1051
      @kieraardley1051 Рік тому

      @@sid35gbdo you suggest just investing in one?

  • @tommyb540
    @tommyb540 3 місяці тому +3

    Hey Damo - thanks for the video. I'm abit confused though....should I invest through Vanguard or through trading 212 and a vanguard ETF?

  • @raydaveyrd
    @raydaveyrd Рік тому +3

    do you have a video that walks you through setting up a stocks and share isa, which provider you go with etc? does it matter?

  • @edmundflett474
    @edmundflett474 Рік тому +3

    You deserve more credit for the top notch string of financier puns at 2:57

  • @jimjam2783
    @jimjam2783 Рік тому

    I watched this video but don’t remember the names of the funds he recommends. Can someone please list the fund names?

  • @wtfill
    @wtfill 5 днів тому

    Thanks for explaining the fees. I was not even aware there are some. What platform are you usting to manage your portfolio?

  • @mitnoxin
    @mitnoxin Рік тому

    I note that Trading 212 appear to have the wrong KID linked to this fund stating that the charge is 0.22% (it's the Vanguard equivalent fund) . Not very helpful!!

  • @neilmartin6949
    @neilmartin6949 Рік тому

    Interactive Investor says the Key Investor Information Docuement for this Invesco fund is missing and hence you can't buy it on the platform - extremely annoying

  • @COOLARUL
    @COOLARUL Рік тому +2

    From Australia. I spread over 3 funds 25% ASX 200, 25% S&P 500, 50% all-world ex US.

    • @NoNonsenseJohnson
      @NoNonsenseJohnson 9 місяців тому +1

      Sounds like a future headache of rebalancing and unnecessary risk / admin. Just use a global fund

    • @Itsmejabs
      @Itsmejabs Місяць тому

      What is the point? They all not do the same job?

  • @J-gw5sb
    @J-gw5sb 9 місяців тому +2

    Great video! So when you say you've got VWRL and FTSE global all cap. The all cap is direct with Vanguard and the VWRL fund is via Trading212. Have I understood that correctly? Out of interest, why not have everything through Vanguard?

    • @ahmadsheikh351
      @ahmadsheikh351 8 місяців тому

      Same question

    • @MaximilianBerkmann
      @MaximilianBerkmann 18 днів тому

      From what he said in other videos, it seems to be due to fees and AERs (I could be wrong).

    • @OliM9595
      @OliM9595 2 дні тому

      Vanguard has higher fees, its strange but true. Investing into vanguard funds is more costly through vanguard than though other methods such as trading212

  • @Suley09
    @Suley09 Місяць тому

    Can you be certain that an index exists over 30 years?

  • @shuggy50
    @shuggy50 9 місяців тому +4

    ETF such as the Invesco are not covered by the FSCS, whereas your other funds are covered. Important aspect.

    • @Heshkinp
      @Heshkinp 9 місяців тому

      Wrong fscs covers up to 85k no distinction between etf and othet funds, its per account

    • @adrianl5899
      @adrianl5899 9 місяців тому +2

      ​@@HeshkinpETFs have no FSCS protection at all.

  • @richardmcgreary6368
    @richardmcgreary6368 Рік тому +1

    Great video! I'm new to all of this but I followed along just fine 😊❤

  • @glennwhitlock1272
    @glennwhitlock1272 Рік тому +1

    Interesting. I especially liked those turquoise dresses.

  • @anjux3673
    @anjux3673 6 місяців тому

    My preference is for the VEVE etf currently. It tends to outperform VWRL with no emerging markets…but then I have some AEI for that…

  • @willadye6033
    @willadye6033 10 місяців тому +7

    So your telling me there’s absolutely no difference between the invesco 0.15% fee and the VWRL 0.22%, only difference at all is the fees?

    • @vg3222
      @vg3222 3 місяці тому

      Do explain

  • @franksfortnitegamingchanne4229

    What is the ticker of the Invesco fund please

  • @ElliotCoen
    @ElliotCoen Рік тому +7

    I am frantically taking notes 📝 This vid is set to be another Damo hit

    • @iain777uk
      @iain777uk Рік тому

      Then please learn about a physical and synthetic ETF’s

  • @lawrencer25
    @lawrencer25 Рік тому +4

    Where can I find information about Trading 212 business accounts for limited company?
    Thank you

    • @simondennis262
      @simondennis262 11 місяців тому

      Did you find out? Damien mentions Invest Engine and it seems Interactive Brokers offer accounts for Limited businesses too. Would be great to see a video of what the options are for a Limited business. I'd trying to find a provider that offers a competitive global index fund for ISA, LISA and Limited business so I dont have to deal with lots of different providers

  • @marklydon435
    @marklydon435 Рік тому +1

    That Invesco ETF has an indicative spread of 0.27% so factor that in as well, but at least that is only one hit when money goes in and not yearly.

  • @sebastianchatt5960
    @sebastianchatt5960 Рік тому +2

    Thanks Damien, struggled for a couple of weeks now to actually get my head around what fund to use and how to finally start investing properly and regularly, lots of great videos about how important it is to make use of compounding but none that help with the nitty gritty of finding the right way to unlock that. Appreciate all your insights and very supportive of your channel.

  • @anjena
    @anjena Рік тому +1

    Why a fund vs ETFs like VWRL or a mix of VEVE and VFEM? Seems like a cheaper option.

  • @davidpacker7602
    @davidpacker7602 Рік тому +3

    Instead of using VWRL(0.22%), is there any reason you weren't using a split of VEVE(0.12%) and VFEM(0.22%) to create the same portfolio as VWRL but with lower overall fees.
    In fact a 90% VEVE 10% VFEM split still has lower overall fees than the INVESCO option.

    • @DamienTalksMoney
      @DamienTalksMoney  Рік тому +2

      If i am honest i don't like rebalancing myself i want the core holding to be as simple as possible.I could rebalance simply using pie features and such on the brokers i use.. But yeah maybe i am just lazy

    • @davidpacker7602
      @davidpacker7602 Рік тому +3

      @@DamienTalksMoney Simplicity is a perfectly fair reason :) Have a good day

  • @corric80
    @corric80 10 місяців тому +2

    Why not LGGG? It’s only 0.1% fee.

  • @jonathanbates154
    @jonathanbates154 9 місяців тому

    Can you suggest where to look for world index funds available to the Canadian Market?

  • @sethanith3181
    @sethanith3181 Рік тому +121

    Damien, looking at your last option, HSBC all world looks like 0.13% and $3bn - how come that didn’t get a mention?

    • @Oggy1086
      @Oggy1086 Рік тому +10

      That's the one I am with.

    • @aaronjwright
      @aaronjwright Рік тому +7

      Me too

    • @sethanith3181
      @sethanith3181 Рік тому +1

      Looks a safer and cheaper option - I’m looking to get started and don’t want to chop and change!

    • @swill369
      @swill369 Рік тому +3

      Same. Doesn’t ever seem to get much of a mention. Makes me wonder if people know something I don’t. 😅

    • @MatthewMills.
      @MatthewMills. Рік тому +7

      It wasn’t widely available the last time I checked and can only be bought on platforms that have higher management fees which cancels out any savings you make.

  • @noturauntie4784
    @noturauntie4784 Рік тому +3

    Did you mention the ticker? I see two with the same name

  • @rw6039
    @rw6039 8 місяців тому +2

    Great video. Regarding the fees section, where it states the vanguard fee is circa £32k on a £745k portfolio. When is the £32k charged? It is when you withdraw the portfolio from the account?

  • @Galvanize
    @Galvanize Рік тому +1

    Stupid question here. When you talk about investing elsewhere, do you transfer your, let's say vanguard, existing isa across to InvestEngine to take advantage of the lower fees or simply wait until the next tax year rolls around and open up a new one with the existing still running on the other platform.

    • @DamienTalksMoney
      @DamienTalksMoney  Рік тому

      Not a stupid question! No I leave my previous isa where It is. You can have multiple ISAs with different providers the rule is you can only pay into 1 each month

    • @Galvanize
      @Galvanize Рік тому +2

      @@DamienTalksMoney Oh i see thanks! I thought it was only one each year. Was that ever the case?

  • @bikeman123
    @bikeman123 Рік тому

    Drip fed £20k over 12months into the vanguard 80-20 index fund 2 years ago. Now its worth £19,800. Thats right, fk all growth and charges have resulted in a loss.

    • @DamienTalksMoney
      @DamienTalksMoney  Рік тому +2

      The markets can go up and down, it isn't just a straight line up come back in 10 years and tell me how you are doing then

  • @willadye737
    @willadye737 Місяць тому

    Any info on how likely Vanguard would lower the VWRL fee to match/beat invesco?

  • @lIRhYsUKIl
    @lIRhYsUKIl Рік тому +2

    Watching your channel grow has been brilliant, love the editing.

    • @DamienTalksMoney
      @DamienTalksMoney  Рік тому +1

      Thank you! Glad you enjoy the editing it’s what I spend 80% of my day doing 🤣

  • @GlenThomsonFilms
    @GlenThomsonFilms Місяць тому

    Invesco fund is in USD right? Will that not cause fx fees to be added on platforms like 212 & HL making it potentially as expensive as VWRL?

  • @MrBazzyK
    @MrBazzyK 4 місяці тому

    Excellent video as always! With this index fund, what are people pairing it with for broader coverage in their ISA's?

  • @mukutin
    @mukutin 9 місяців тому

    Damien, why would you buy a Dist fund than an Acc fund - why VWRL and not VWRP? isn't reinvestment the key to compounding interest?

    • @DamienTalksMoney
      @DamienTalksMoney  9 місяців тому

      I just like to do the reinvesting myself manually. The process of reinvestment still happens

    • @mukutin
      @mukutin 9 місяців тому

      @@DamienTalksMoney so for a beginner investor such as myself who doesn't have the time to analyse and reinvest himself and just wants to invest and leave the fund alone, would you recommend to buy the VWRP?

  • @mevishmushtaq-ahmed9130
    @mevishmushtaq-ahmed9130 8 місяців тому +1

    Damien - this fund is sampling though and on one of your videos you advised that wasn't great when compared to the vanguard?

  • @RickSanchez-dn6rd
    @RickSanchez-dn6rd 8 місяців тому

    Probably a really stupid question here & sorry in advance if it is obvious.
    If I buy shares that stipulate I do not get the dividends but they are automatically reinvested to reap the benefits of compounding, this will obviously grow the assets effectively over time.
    But: When it comes to a certain point where I feel I have reached my goal & want to receive the dividends myself,
    Would this mean I need to sell the shares that are automatically reinvesting in the capital, and swap them out for ones that pay me personally?
    Which makes me think: Why not always buy the version of the share that pays me and manually reinvest instead ?

  • @sports4fun662
    @sports4fun662 2 місяці тому

    Hello guys I need help on my SIPP, managing it yourself or allowing them to manage it for you

  • @michaeloneill151
    @michaeloneill151 11 місяців тому +1

    Damien, you mentioned choosing a fund listed in GBP, is the VWRL listed in USD with Vanguard?

  • @ggzii
    @ggzii Рік тому

    I want a vanguard option that lets me take my money out when i want. Any ideas for a nooby

  • @blumousey
    @blumousey Рік тому +3

    There is actually an EVEN more inclusive index than the global allcap. It's called the 'ftse global total cap'. This also includes micro-cap stocks! Would be interesting if a fund came out that somehow included these...would it be worth it?

    • @wololo4761
      @wololo4761 Рік тому +5

      Probably not. The simple reason being that any individual microcap stock would likely have such a small impact on the fund total value that it would have negligible effect.

  • @FMPrussia
    @FMPrussia 10 місяців тому

    Hi Damien, one thing you didn’t consider was the tracking error rate offered by vanguard which far surpasses anything else on the market.
    From my perception this is why the vanguard all cap is worth the extra fee relative to HSBC or MSCI.

  • @DhavalBrahmbhatt2627
    @DhavalBrahmbhatt2627 Рік тому

    So hang on, WHICH fund are you investing in? I think I missed it completely. Is it VWRL? Or is it fwrg?

  • @addj7093
    @addj7093 Рік тому +1

    The only one I’ll buy is the BlackRock one 👍🏻

  • @jakkuwolfinsomnia8058
    @jakkuwolfinsomnia8058 Рік тому +14

    My take on it is like this:
    Low risk (safety orientated) => index funds (exposed to all companies worldwide)
    Moderate-High risk (return orientated) => Stocks/Shares (willing to take the risk for the potential for higher returns)
    Keeping it simple while having some structure to my approach. That’s what makes sense to me at least. It doesn’t matter if an investment brings back a 10% return if it costs you 1-2% in fees

    • @IAMMARTICUS1470
      @IAMMARTICUS1470 Рік тому +3

      I would probably add that index funds aren't completely low risk, as the stock market does fluctuate a lot. I'd probably have them as medium risk, with low risk being bonds/gilts, possibly precious metals or just plain old savings accounts now that interest rates are higher.

  • @Jay-hy1si
    @Jay-hy1si 10 місяців тому

    I really want to invest. I thought the idea is to rely on compounding using one fund to really maximise your return?

    • @MaximilianBerkmann
      @MaximilianBerkmann 18 днів тому

      That makes sense but you also have to think about not putting all of your eggs in one basket so you don't want to put everything you can invest into one place and have that go sideways.

  • @kaiseroscar101
    @kaiseroscar101 11 місяців тому

    What platform can you buy the invesco ftse all world ucits etf on? Couldn't find it on ii 🤔

  • @gjcroudace
    @gjcroudace Рік тому +1

    Love your channel, you give great advice, thanks so much, I really appreciate it.

    • @DamienTalksMoney
      @DamienTalksMoney  Рік тому

      My pleasure! I hope the videos help you with your own research. Have a lovely weekend! Damo

  • @jawlig
    @jawlig 2 місяці тому

    Holy...you smashed it with this one. Watching in Nov '24

  • @seftedder3641
    @seftedder3641 9 місяців тому

    Does it not matter that this Invesco fund is traded in USD from a UK investors point of view (if held within a stocks and shares ISA)? Genuinely curious.

    • @coderider3022
      @coderider3022 9 місяців тому

      FWRG is the lse listing which is gbx. Almost all base currencies are usd.

  • @lawrencer25
    @lawrencer25 Рік тому

    Fabulous video. Thank you ❤❤❤

  • @bodycounter9386
    @bodycounter9386 10 місяців тому

    09:28 outside of liquidity the TD of the Vanguard ETF has been almost perfect so far. The Invesco is so young it could potentially perform slightly worse and nullify the difference in TER. There is also a chance that Vanguard reduces the TER and the Invesco dies out in the next decade.

  • @jackduk
    @jackduk 8 місяців тому

    I think you're about to become my go to educator for someone who is about to become mortgage free and wants to invest!

  • @jakubciekot7761
    @jakubciekot7761 5 місяців тому

    Why would you move your money from Vanguard to Investo (when the fund gets bigger) since you have to pay tax for all that sum?

  • @zzhughesd
    @zzhughesd Рік тому

    Great clear video Damian. Thanks. I’m annoyed seeing VanG US customers can mess around at 0.03 and 0.07. Ripped off again us Brits

  • @cuteandfunnyearthlings2863
    @cuteandfunnyearthlings2863 Рік тому

    The fee for 0.15% per annum for invesco will that stay the same for 30 years or can it change or increase in 2 years time and then the fee costs more than vanguards?

  • @Baxter91
    @Baxter91 Рік тому +1

    Gives me a little comfort knowing I also buy VWRL every month. If its good enough for Damo 😂

  • @mattsennett
    @mattsennett Рік тому

    Nice one Damo. I have been adding more to VHYL recently but will take a closer look at FWRG myself 👍🏻

  • @MrOwenjames24
    @MrOwenjames24 Рік тому +1

    What happens if the fund does close? Do you just get paid out what you invested and gains made?

    • @byrongoodhine4062
      @byrongoodhine4062 7 місяців тому

      Yes the fund manager will return capital to investors

  • @dar1e
    @dar1e Рік тому +1

    Aren't there some higher taxes on all overseas funds as opposed to UK funds since you are a UK resident.
    Is it not better to find the UK index that is closest performing to a global index and invest in that in order to save on taxes?

  • @p0gr
    @p0gr 6 місяців тому +2

    how about amundi prime all countries world for 0.07?

    • @Itsmejabs
      @Itsmejabs Місяць тому

      In the uk?

    • @p0gr
      @p0gr Місяць тому

      @@Itsmejabs are they restricted in what they can buy?

    • @Itsmejabs
      @Itsmejabs Місяць тому

      @@p0gr I am not too sure - new to investing

  • @gmnitwit
    @gmnitwit Рік тому +1

    212 comes up with up 5 invesco all world, which/what symbol is best ?

    • @simonjonesptchester
      @simonjonesptchester Рік тому +3

      Ticker -> FWRG if you live in the UK. The others are in foreign currencies such as $, € etc.

    • @leer1143
      @leer1143 Рік тому +2

      FWRG is the Acc version where your dividends will be automatically re-invested, FTWG is the Dist version where the Dividends will be paid to your account.

  • @Rahel_Rashid
    @Rahel_Rashid Рік тому +2

    Thank you Damien! Through you, I finally managed to understand a bit from the investment world.

  • @JamieHutchinson-h1u
    @JamieHutchinson-h1u Рік тому

    Afternoon Damien, stumbled across this video and you present extremely well! Thank you.
    Please would you clarify an intriguing 'throw away' comment you made at the end of your video. To paraphrase from 12:03 - 12:08 - 'invest business capital without taking it out of the business.' Very many thanks.

  • @cnorth2909
    @cnorth2909 Рік тому

    Just got round to watching this video. The linguistic gymnastics are excellent. Michael burying under a black rock 🫵🏻🤣

  • @gabrielchu9752
    @gabrielchu9752 Рік тому

    Hi Damien, it would be interesting if you make a video about the mechanisms/tools that you use to compare funds or other securities. For example, from this video I was able to learn about FTSE Russell and FT's fund comparison tool.

  • @emiliodeltessandoro2980
    @emiliodeltessandoro2980 Рік тому

    Thank you for explaining you thought process and providing a few concrete examples, very useful!

  • @petel3366
    @petel3366 Рік тому +2

    The World Series was from a news paper called The World.
    Its not a reference to the globe !

  • @Hustlémon
    @Hustlémon Рік тому

    Does anyone have any recommendations om what app/business to use for Stock? 🙂

  • @laup4321
    @laup4321 Рік тому

    A lot information and seems well researched 11:03

  • @daniel_melo
    @daniel_melo 8 місяців тому

    Good insight. What is your take on factor investing?

  • @ukunknown808
    @ukunknown808 Рік тому +1

    Another great video mate! Production is getting even better. Well done Damien!

  • @MrJamessell30
    @MrJamessell30 Рік тому +1

    Having VEVE and VFEM in your portfolio instead of VWRL is cheaper on fees...

  • @zeea6507
    @zeea6507 11 місяців тому +6

    My ISA is in Vanguard FTSE Global All Cap Index Fund

  • @stecli
    @stecli Рік тому

    Great message Damien, but too many added in clips for me in this one . 😊