I hold V3AB but I am moving to V3AM and VHYL and individual stocks and non Vanguard funds. My portfolio plan is to generate income now and use my pension as a growth fund instead.
The only Vanguard fund I currently hold is VHYL. I like how it adds diversification, without the “usual suspect” US growth stocks (Apple, Microsoft etc.) which I worry are overpriced atm.
Perfect analysis Chris. I did exactly the same and hold the same two funds in our InvestEngine ISAs As we are retired I also have 40% in the VAGS accumulating, hedged, global bond fund, with 53% in VHVG and 7% in VFEG, to make an ultra-low cost 60:40 portfolio (average total expense ration of only 0.12%). Bonds have been terrible for the last few years but, and this is not financial advice, they should do a lot better if/when interest rates fall and they should reduce the risk of major losses, which is important later in life.
I'm completely new to all this after abit of research I found the all world (VWRL) to be a good bet I understand the fees are less in what you are explaining but I'm not doing wrong in setting an forgetting in what I'm doing now for ease? 50 quid a week I do an have for 3 months now
@@stevegeek Great dividend paying fund, I think I'll pick up that one in a dividend portfolio I may start. The markets also so unpredictable, everyone said the same thing when I started 10 years ago and I missed out so much, but I do think it's different now.
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 ~£150K from an initial deposit of 35K seventeen months ago...
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
We Are in Unchartered Financial Waters! every day we encounter challenges that have become the new standard. Although we previously perceived it as a crisis, we now acknowledge it as the new normal and must adapt accordingly. Given the current economic difficulties that the country is experiencing in 2024, how can we enhance our earnings during this period of adjustment? I cannot let my $680,000 savings vanish after putting in so much effort to accumulate them.
Keeping some gold is usually a wise decision. You would be better off keeping away from equities for a bit or, even better, seeking advice from an expert given the current market conditions and everything that is at risk with the current economy.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
My CFA ’ANGELA LYNN SCHILLING’ , 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.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
I was advised to diversify my portfolio among several assets such as stocks and bonds since they can protect my portfolio for retirement of about $170k. I need advice: Do I keep contributing to my portfolio in this unstable market or do I look into alternative sectors?
The strategies are quite rigorous for the regular-joe. As a matter of fact, they are mostly successfully carried out by experts who have had a great deal of skillsets and knowledge to pull such trades off.
That is very correct. Having the right financial expert is invaluable. My portfolio is well matched for every season of the market and recently it has hit 80% rise from early last year. I and my CFP are aiming for a 6 figure ballpark goal.
This is definitely worth considering! Do you have any recommendations for professionals or advisors I could speak with? I really need help with proper portfolio allocation.
My CFA, Judith Lynn Staufer, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Hi Chris. I have been investing for years and i have reached a point where my £150,000 portfolio seems to have been stagnant despite the market gains. I could benefit from some advice to improve my portfolio and maximize returns.
Reduce the risk in your portfolio, strengthen your main investments, and take some profits while balancing your allocations. I've been investing for 11 years, and after 5 years with a financial advisor, I've seen a 10x return compared to doing it myself, with nearly $2 million in gains-my best results so far.
@@aaranbarber895yes because one day when you cash them in you'll pay capital gains tax on the profits. Move them into an ISA as soon as possible. That's basic stuff.
You can get around the tax liability if you have a GIA and become a non U.K. resident you just need to be speak with a tax advisor. There’s work arounds.
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
👏👏👏 Nice and clear! I shall have another listen or two because I'm very much inclined to follow this strategy - I have been thinking about doing something like this for a few months now. Nice one!
Big fan of your content Chris, since you’re a fan of the long term hold strat, could you do a breakdown of the total cost long term comparing the fee model (Vguard vs the spread model T212)? It would be good to understand the total impact of the likes of 212 taking a spread compared to annual fees
11:21 do the management fees of 0.22/0.12% still apply if you don't buy on the vanguard website? Does 0% platform fee on invest engine mean you avoid the management fees?
The management fees for the fund will apply anywhere, it’s the platform fee you’ll a by using InvestEngine and save 0.15% 👍 it actually adds up quite a bit over time
Great video. I have about 60% odd in VUSA and 39% odd in VUKE and 1% odd V3PM. Portfolio is doing well up near 6% since I started last year. This is made up of DCA my weekly wage. I've got a lump sum of money tucked away that I'm going to DCA and split between VFEG and VHVG
Thanks Chris, helpful video. The Developed World fund with 0.12% fee has its base currency in USD. Would that (the fact in USD) affect the 0.02% fee benefit when compared to the Vanguard FTSE Developed World Ex-UK fund that has a base currency of GBP and fee of 0.14%? Thanks.
I had £200k in VWRL but sold them and bought iShares Global Index (hedged) because the former was being killed by currency shifts (vs weak GBP) . I sold the touted VHYL because of poor performance as I did with the LS and retirement funds. I now have a fraction of the original Vanguard funds (£495k) most of my funds are in Ishares global funds or Invesco funds and doing much better than Vanguards offering.
Hi Chris, what's the difference between VUSA and VUAG? I've been setting and forgetting with VUSA thinking it's the s&p 500 accumulation. Have i got that wrong?
Yep. VUAG is the accumulation and, the last time I looked, it was not available directly from Vanguard for some bizarre reason. However, it is available through Hargreaves Lansdown.
@@petermorris3665thanks guys. Yep that’s right! I have no idea why they don’t have them. I suspect it’s less work for them (weirdly) you’d expect the accumulation to be less work 🤷♂️ invest engine also have them and a most other platforms, just a bit strange Vanguard don’t
I have just looked on vanguard's UK website ( I'm in the UK ) and under the shocks and shares ISA available funds it's showing S&P 500 UCITS ETF (VUAG) Yet I keep reading this is not available?????
Chris - I slightly disagree that bonds should only be considered by people near retirement - Bonds have spectacularly crashed with the rapid rise in interest rates and this is the time to actually consider adding a tiny bit to the portfolio as we hit the 'peak' in the rate cycle and possibly rate cuts in 2025+. For UK investors buying duration i.e. long dated gilts and those with a low coupon (minimise income tax), capital appreciation as bond approaches par value is tax free even outside ISA.
@@chrispalmer24 IIND is up 12% and INTL is just over 3%, allot of up and down and with each combining for 8% of the portfolio haven't really noticed anything tbh . This will hopefully be a 20-25 year portfolio for retirement and those two ETFs are just for fun to see how it goes .
Hi Chris. Love the video. I am based in Europe so looking for euro denominated options. Ideally I would invest in the accumulating versions. My only concern is both options you present have 1) low trading volume compared to one global etf and 2) are traded on exchanges I’m less familiar with (Xetra and Milan). I’m on interactive brokers btw. Both distributing versions of the two options presented are traded on Euronext Amsterdam, as is a global etf like VWRL, which is more well known exchange I think?
Interesting question! I'd likely stick to the exchanges you know. You could go for a brand outside of Vanguard too, vanguard is the big name but there's so many options out there, iShares are very good aswell as some Invesco - I'll cover more on them soon as I think they are overlooked massively. Vanguard is just huge on youtube
@@chrispalmer24 thanks for the response! I’ve since read that many people combine iShares core global developed etf IWDA with their emerging markets etf EMIM (both accumulating). Both of these options have huge volume on interactive brokers and are both traded on Euronext Amsterdam for a combined cost in the region of 0.19% with the 90/10 split…so in my case it’s either VHVG + VFEA for 0.13% (huge brand awareness of vanguard, cheaper, less volume, two exchanges - Milan and Xetra) or IWDA + EMIM for 0.19% (more expensive, higher volume, same exchange - Euronext Amsterdam).
Hi Chris, I just wonder that if you do the split between the two, you will have to rebalance the funds over time which may incur fees that eat into your savings. Whereas with the VWRP you wouldn't have to do that, and it performs slightly better. I just wonder if the management cost is worth the potential gains or if it is negligible if you include the rebalancing?
I'd never be in the market if I sold off whenever I saw a youtube video screaming SELL OFF, yes stocks are pretty unstable at the moment, but if you do your math right, you should be just fine. Luxury brands like Dior, Louis Vuitton and Mercedes sales are booming lately, so I think there's enough money to go around if you know where to look.
Thank you for bringing up these strategies, It's always an honor to have you here as a mentor. I appreciate you for the time being spent to educate us financially. With the help, I have netted a profit of 35k from my stock investment of 9k since following you for a few weeks now after feeling so ecstatic and heavy minded that nothing good can come out of it.
Very good and well thought through video . HOWEVER, you have not mentioned the straight forward HSBC FTSE all world ETF Which does the same thing for a low charge of 0.13%. Why have you not informed your listeners of this simple option??
Only because it’s a Vanguard focused video. I mention that fund for a Lifetime ISA which I hold, however it’s a mutual fund and not a ETF so the management charge is 0.45% uncapped there. I’ll have to sell it soon although it is up 16%. I actually have a fund video coming soon which I think beats Vanguard
Hi Ian, not silly at all don't worry - yep they are self managed, so the only funds I actually pay on these because I'm using Invest Engine are the fees from the actual funds which are super low (the 0.13%) roughly. On other platforms you would pay that plus the platform fees on top.
Many thanks Chris, when I looked at the funds I realized that they had to be the self managed type, Thanks again for the info, I also love your content, keep up the good work Regards Ian@@chrispalmer24
Brilliant advice Chris, fees really do add up. I left a wealth firm in beginning of 2022, best thing I ever did. Was going to go with the whole world index fund and invest the dividends myself. However after seeing the way over priced American markets of which take over 60% of the entire stock market thought the whole world index just way over balanced to a America. Ended up going Vanguards 80/90 sustainable esg Wellington managed fund which actually gained in 2022 when global markets took a dive. It holds undervalued stock/health etc and a low concentration to tech, so is very defensive in these volatile markets. It’s .48 charge but it’s paid for itself in defending my portfolio. I’m sticking with this next year before changing strategies into indexing. If or when we going into a deep recession as a good entry point in pure equities.
@@jan2000nl think your missing the point mate, reason for going in this fund is its full only of big cap undervalued companies that are weathering the storm well, it gained when markets took a nose dive last year. Its safe and its paying us a nice 2.2 dividend end of year. Going forward for momentum im definitely transferring out to ftse developed world index, but at the moment its serving its purpose in this market of endless possibilities. Also no need for single stocks I have a few for fun in a sipp but main holdings just way too risky and too much money at stake. Only stock loading up on next year in SIPP is purely just Rivian with a bit of Nio and Lucid running alongside. Rivian with Bazos just can't fail. Saying that there's a daft part of me that says YOLO all in on Rivian and pray lol.
@@jan2000nl SP500 has had an incredible run but your forgetting about the loss it made in 2022???? its now only just hitting same levels as dec 2021 so you haven't gained anything. The PE ratio's of the big 7 have gone stupid again. I lost nothing in 2022 but gained just shy of 12% since may 2022 and im getting a nice 2.2 dividend payment 30th December. So in comparison my capital is up more than if I'd have simply being moronic and just been all in on the SP500 at that time. This economic climate we're in now favours a well diversified run fund by the professionals until another mega pull back at which time I'll be positioning to be entering passive again. You obviously don't have a game plan apart from lets just invest in the sp500 and not protect capital CRAZY.
Thanks Chris for the video, did I hear you right saying IE doesn't offer a SIPP? - i was thinking of transferring my SIPP with vanguard into IE and use the method you've set out
Hi Gary, not yet it's launching soon, I'm waiting for it too, you can sign up on this link and it'll say when it's launched, I'll be moving once it does - bit.ly/investenginesipp (I'll also pop it on the community page when it does come and probably email if you aren't on there yet - chrispalmer.co/).
@@chrispalmer24 It says they will charge for a Sipp with IE though…. You'll pay 0.15% for your InvestEngine SIPP, capped at £200 per year, plus the costs of your investments - commission-free for our DIY portfolios, or add a Managed portfolio for 0.25% a year.
Awesome video- this has made me realise I have been investing in the € version of this fund (VWCE) and not the £ version (VWRP). Have I messed up? What should I do?
The reason I'm not in there is honestly the USA is predicted (even by vanguard) to be outperformed by global equities in the next 10 year. Plus I still get 60% of them this way.
i have sp500 and all world, obv all world is 60% of america. so would it be better to sell one of them and maybe buy the developed world? i dont really want to pay too much attention to all of this, so far ive been happy ot just hold both for long term but it might not be smart to have those 2 together.
Hey Michael! Because Vanguard didn’t have it added on their platform until recently and I love seeing my return to switch 😂 I’ve lost my real gains so much through my investing it’s nice to see honestly. My ISA has VHVG and when I move my SIPP eventually I’ll switch it too tbh
Hey Adam, I think All Cap is clean and a brilliant fund. Target is a bit meh to me, it automatically buys bonds nearer retirement date for you, off the top of my head the fees are more expensive. I wouldn't be switching to bonds until right before retirement I imagine - the returns for all cap are way better imho
@@chrispalmer24thanks Chris. I’m 37 and just beginning my investment journey and want a simple/passive approach, sounds like just sticking with the one fund (Global All Cap) is the way forward 🙏
Hi Alex 👋 sorry I’ve been away for a few days. Did it come through? Could you send me your email to Chris.palmer.yt@gmail.com and I’ll check with their team for you
My SIPP is in US Equity Index Fund (Accumulation) I was in the S&P but I prefer accumulation. And I have a general investment account in the FTSE Dev. World ex UK Accumulation fund. ISA is in a cash ISA but will transfer it next year into a stocks and shares ISA, not sure in what or where though yet. Thanks for your videos Chris.
Hi Chris, great content by the way..i hold the Vanguard FTSE All World VWRL Whats your thoughts ? I am write in thinking this is extremely close to what you have picked or am i way off ? Cheers in advance
Hey Andrew! Yeah it's very close, just slightly higher fees is all, you could save money doing it this way with 2 funds if you wanted, but it can be quite minimal in terms of differences.
@@chrispalmer24 thanks for your reply...developing a great community here by the way... one quick question your thoughts on bonds compared to etfs for short instead of long term gains ? Might make a good video.. Cheers in Advance Andrew
@@chrispalmer24it seems the predicted annual return rate is lower that the VWRL, so is it really worth splitting into 2 funds even though the fees are slightly cheaper
Hi Chris, Thanks for your incredibly well produced videos, and very digestible information on what can be a really complicated subject. I'm interested in investing in FTSE All world, via the Developed and Emerging Markets method you suggested (saving on fees). I know there would be overlap, but I wondered if you would still consider investing in S&P 500 at the same time? Does that make any sense or should I keep my portfolio to just VHVG & VFEG? Thanks!
Another very informative and clear video thanks Chris! What’s your thinking on holding more than the £85K covered by FSCS with a single broker please? It’s obviously not practical to split a pension pot over multiple brokers for this reason is it??
Only index fund I'm in at the moment is VUSA S&P 500 dist for long term growth, 40% in that 15% in Nvidia, AMD, Microsoft and Amazon, intitial investment was 200 unfortunately but putting 200 a month into that pie for now dollar cost averaging style, hopefully the long term growth will remain big. I use trading 212
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks this year. Hope to make millions in 2024.
Nice, clear video Chris. I hold VWRP so you have given me something to think about....although taking a hit when re-balancing is not a nice thought (I'm closer to the retirement age than you) 🙂
@@chrispalmer24 Great video. I started in October 2023 and im 39 years old. So gutted that im this late to the party but to be honest buying a house and raising a family i didnt have a lot of spare cash until now. Im on invest engine and i went for the Invesco FTSE All World. Lower fee than the vanguard one and im currently 3.98% in the green which is nice. 2024 will be my first full year and ive set it as £100 a month savings plan but putting any spare money i get in there also.
Hi Chris this maybe a silly question but are the two funds that you have selected managed or unmanaged as I am new to this investing world. many thanks.
Hi Chris. Am I correct in thinking Vanguard now has the VHVG and VFEG as Accumulating? If so, when did this happen? Assuming after this video was made?
Why are you only using the ftse index? Why no s&p? Isnt it a good idea to use both i plan on VUAG s&p and ftse VHVG for the developed wrld and VFEG to get a slice of emerging markets. What do you think?
Hi Katie! I think the confusion is it’s the FTSE all world index not the FTSE 100 (UK companies) VUAG and VHVG overlap, VHVG is already 60% invested in the USA
Thank you - That buying the two funds separately is smart. Do you recommend keeping some monies in safe places, such as bonds of Lyxor overnight cash? Thanks a great video.
VFTAX, VOO, and VTI, among other passive index funds and ETFs, comprise around 68% of my portfolio. Utilizing an F.A. Emily Lois Parker I find it enjoyable that these are appropriate measures to pursue increased cash flow on long-term trends.Having a varied portfolio makes me feel as though I will continue to make money even if 20% of it performs poorly. Not as good as wasting my money on a fancy pair of shoes or a trip, haha.
Thank you for sharing. Since this is also very important to me, I looked her up online and found that she had a very strong history in investment. I'm going to send her an email soon.
You mentioned that holding ETFs in HL is cheaper as fees are capped. What you didn't say is it costs £11.95 every time you buy. So if you build it up monthly the fees are eye watering. Hence much better to use a fee free platform.
Yeah it’s definitely cheaper than funds in there (that’s what I meant). I actually hold a mutual fund in there - to confuse things more 😂 Although it is possible to use recurring buy on HL to buy ETFs at £1.50 per month plus their max £45 per year I think it is off the top of my head, so I think it’s around £5 per month. It’s quite a cheap option if people are worried about things like the age of the provider etc. I’m not worried hence why I lean toward IE or T212. Just have my Lifetime ISA there now
Hi Dave it’s because there’s two funds so 10% of the fund is at 0.22% and 90% at the lower fee 0.12%. I think you could also opt to purely go for the one fund VHVG
Hi mate, I am 25 years old and self employed and in the process of starting an SIPP, would you recommend using this pair or am I safer going with one of the life strategy or target retirement funds?
👉Grab my Free Retire Early Roadmap Here: www.chrispalmer.co.uk/roadmap
Which Vanguards Funds do you own? 🙂
I hold V3AB but I am moving to V3AM and VHYL and individual stocks and non Vanguard funds. My portfolio plan is to generate income now and use my pension as a growth fund instead.
The only Vanguard fund I currently hold is VHYL. I like how it adds diversification, without the “usual suspect” US growth stocks (Apple, Microsoft etc.) which I worry are overpriced atm.
Perfect analysis Chris. I did exactly the same and hold the same two funds in our InvestEngine ISAs As we are retired I also have 40% in the VAGS accumulating, hedged, global bond fund, with 53% in VHVG and 7% in VFEG, to make an ultra-low cost 60:40 portfolio (average total expense ration of only 0.12%). Bonds have been terrible for the last few years but, and this is not financial advice, they should do a lot better if/when interest rates fall and they should reduce the risk of major losses, which is important later in life.
I'm completely new to all this after abit of research I found the all world (VWRL) to be a good bet I understand the fees are less in what you are explaining but I'm not doing wrong in setting an forgetting in what I'm doing now for ease? 50 quid a week I do an have for 3 months now
@@stevegeek Great dividend paying fund, I think I'll pick up that one in a dividend portfolio I may start. The markets also so unpredictable, everyone said the same thing when I started 10 years ago and I missed out so much, but I do think it's different now.
I have a 3 fund portfolio but I have finally decided to invest in ETFs, alongside. I’m looking at SCHD, VOO, XLK or SCHG.
Great picks! I like VOO and SCHD equally!
@@VanillaCherryBread thank you! Actually would it be silly to have both?
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 ~£150K from an initial deposit of 35K seventeen months ago...
@@henrymitchell9717I’m 24 what would you do at my age if you could do it again if you don’t mind me asking
How do you invest in Schwab funds in the UK?
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
We Are in Unchartered Financial Waters! every day we encounter challenges that have become the new standard. Although we previously perceived it as a crisis, we now acknowledge it as the new normal and must adapt accordingly. Given the current economic difficulties that the country is experiencing in 2024, how can we enhance our earnings during this period of adjustment? I cannot let my $680,000 savings vanish after putting in so much effort to accumulate them.
Keeping some gold is usually a wise decision. You would be better off keeping away from equities for a bit or, even better, seeking advice from an expert given the current market conditions and everything that is at risk with the current economy.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
Could you possibly recommend a CFA you've consulted with?
My CFA ’ANGELA LYNN SCHILLING’ , 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.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
I was advised to diversify my portfolio among several assets such as stocks and bonds since they can protect my portfolio for retirement of about $170k. I need advice: Do I keep contributing to my portfolio in this unstable market or do I look into alternative sectors?
The strategies are quite rigorous for the regular-joe. As a matter of fact, they are mostly successfully carried out by experts who have had a great deal of skillsets and knowledge to pull such trades off.
That is very correct. Having the right financial expert is invaluable. My portfolio is well matched for every season of the market and recently it has hit 80% rise from early last year. I and my CFP are aiming for a 6 figure ballpark goal.
This is definitely worth considering! Do you have any recommendations for professionals or advisors I could speak with? I really need help with proper portfolio allocation.
My CFA, Judith Lynn Staufer, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
9:52 you're welcome
Hi Chris. I have been investing for years and i have reached a point where my £150,000 portfolio seems to have been stagnant despite the market gains. I could benefit from some advice to improve my portfolio and maximize returns.
Reduce the risk in your portfolio, strengthen your main investments, and take some profits while balancing your allocations. I've been investing for 11 years, and after 5 years with a financial advisor, I've seen a 10x return compared to doing it myself, with nearly $2 million in gains-my best results so far.
Do you mind sharing info on the advisor who assisted you?
'Melissa Elise Robinson' is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
You've put alot of effort into this video and it shows 👏💰
Thanks Ryan! They take a ton off work, appreciate it :)
I m new to vanguard can only save 100 pounds a month where do u recommend please let me know
Quick question, are you doing this through a stocks & shares ISA? Therefore paying no tax on returns?
Hey 👋 yep I am. I’ll also be setting up a SIPP there shortly, tax relief going in but taxed on the way out (actually works out better)
@@chrispalmer24 I have these funds but not in a stocks and shares ISA.
Would you recommend moving them to it?
@@aaranbarber895yes because one day when you cash them in you'll pay capital gains tax on the profits. Move them into an ISA as soon as possible. That's basic stuff.
You can get around the tax liability if you have a GIA and become a non U.K. resident you just need to be speak with a tax advisor.
There’s work arounds.
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
Wow, that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?
On vanguard how do you buy stocks? There’s no option to buy / sell on my account, is it a us only thing?
You can’t buy individual stocks on vanguard. They only offer funds to invest in
👏👏👏 Nice and clear! I shall have another listen or two because I'm very much inclined to follow this strategy - I have been thinking about doing something like this for a few months now. Nice one!
Thank you!
Big fan of your content Chris, since you’re a fan of the long term hold strat, could you do a breakdown of the total cost long term comparing the fee model (Vguard vs the spread model T212)? It would be good to understand the total impact of the likes of 212 taking a spread compared to annual fees
11:21 do the management fees of 0.22/0.12% still apply if you don't buy on the vanguard website? Does 0% platform fee on invest engine mean you avoid the management fees?
The management fees for the fund will apply anywhere, it’s the platform fee you’ll a by using InvestEngine and save 0.15% 👍 it actually adds up quite a bit over time
@@chrispalmer24 thanks for clarifying
I can't find VWRP on my Vanguard site. How can i find that one?
Great video as always. 👍👍👍👍👍👍
Great video. I have about 60% odd in VUSA and 39% odd in VUKE and 1% odd V3PM. Portfolio is doing well up near 6% since I started last year. This is made up of DCA my weekly wage. I've got a lump sum of money tucked away that I'm going to DCA and split between VFEG and VHVG
What’s about fractional shares if I choose Vwrl?better stay All cap fund?
I was thinking the same thing. Don't think you can buy fractional shares in Vanguard UK ETFs, only in funds...
Great vid! Can't go wrong with a simple, global portfolio... Love the visuals you've used btw!!
Thanks! :) They take a ton of work 😅
Thanks Chris, helpful video.
The Developed World fund with 0.12% fee has its base currency in USD. Would that (the fact in USD) affect the 0.02% fee benefit when compared to the Vanguard FTSE Developed World Ex-UK fund that has a base currency of GBP and fee of 0.14%? Thanks.
Fantastic video. Brilliant.
Thanks! Means a lot.
Chris, can we just buy these two vanguard stocks on trading 212? Why would one buy them on vanguard directly? Please advise
London 😊
Following this one
The answer is at 12 minutes
I had £200k in VWRL but sold them and bought iShares Global Index (hedged) because the former was being killed by currency shifts (vs weak GBP) . I sold the touted VHYL because of poor performance as I did with the LS and retirement funds. I now have a fraction of the original Vanguard funds (£495k) most of my funds are in Ishares global funds or Invesco funds and doing much better than Vanguards offering.
what do you use to invest in ishares?
Which ishares or invesco did u buy
Hi Chris, what's the difference between VUSA and VUAG? I've been setting and forgetting with VUSA thinking it's the s&p 500 accumulation. Have i got that wrong?
Yep. VUAG is the accumulation and, the last time I looked, it was not available directly from Vanguard for some bizarre reason. However, it is available through Hargreaves Lansdown.
@@petermorris3665thanks guys. Yep that’s right! I have no idea why they don’t have them. I suspect it’s less work for them (weirdly) you’d expect the accumulation to be less work 🤷♂️ invest engine also have them and a most other platforms, just a bit strange Vanguard don’t
Ah yes I understand, thanks guys 😊
I have just looked on vanguard's UK website ( I'm in the UK ) and under the shocks and shares ISA available funds it's showing
S&P 500 UCITS ETF (VUAG)
Yet I keep reading this is not available?????
I think VUAG has just been added
ESG: I’m ethical in the rest of my life so I don’t bother with my investments. I’m struggling with the logic, or maybe the ethics.
Most probably because the companies that he mentioned are far from ethical so you are effectively pissing in the wind with ESG.
ESG has a lot to answer for IMO.
There’s absolutely nothing “unethical” about oil.
Chris - I slightly disagree that bonds should only be considered by people near retirement - Bonds have spectacularly crashed with the rapid rise in interest rates and this is the time to actually consider adding a tiny bit to the portfolio as we hit the 'peak' in the rate cycle and possibly rate cuts in 2025+. For UK investors buying duration i.e. long dated gilts and those with a low coupon (minimise income tax), capital appreciation as bond approaches par value is tax free even outside ISA.
Nice Vid. I love this approach. I am considering adding a small percentage of a world small cap index. Btw TER of VWCE could drop at some point.
Got exactly same funds but also got two other funds tracking India and AI, only small amounts though
Awesome, how are those going?
@@chrispalmer24 IIND is up 12% and INTL is just over 3%, allot of up and down and with each combining for 8% of the portfolio haven't really noticed anything tbh . This will hopefully be a 20-25 year portfolio for retirement and those two ETFs are just for fun to see how it goes .
HI, thanks for the video! In the InvestEngine you also get 20k tax-free from the government, like Vangurd?
On the charges impact calculator, u set the monthly contribution to £2000 per month. Doesnt that exeed the £20,000 annual limit for isas ?
Hi Chris. Love the video. I am based in Europe so looking for euro denominated options. Ideally I would invest in the accumulating versions. My only concern is both options you present have 1) low trading volume compared to one global etf and 2) are traded on exchanges I’m less familiar with (Xetra and Milan). I’m on interactive brokers btw. Both distributing versions of the two options presented are traded on Euronext Amsterdam, as is a global etf like VWRL, which is more well known exchange I think?
Interesting question! I'd likely stick to the exchanges you know. You could go for a brand outside of Vanguard too, vanguard is the big name but there's so many options out there, iShares are very good aswell as some Invesco - I'll cover more on them soon as I think they are overlooked massively. Vanguard is just huge on youtube
@@chrispalmer24 thanks for the response! I’ve since read that many people combine iShares core global developed etf IWDA with their emerging markets etf EMIM (both accumulating). Both of these options have huge volume on interactive brokers and are both traded on Euronext Amsterdam for a combined cost in the region of 0.19% with the 90/10 split…so in my case it’s either VHVG + VFEA for 0.13% (huge brand awareness of vanguard, cheaper, less volume, two exchanges - Milan and Xetra) or IWDA + EMIM for 0.19% (more expensive, higher volume, same exchange - Euronext Amsterdam).
Hi Chris, I just wonder that if you do the split between the two, you will have to rebalance the funds over time which may incur fees that eat into your savings. Whereas with the VWRP you wouldn't have to do that, and it performs slightly better. I just wonder if the management cost is worth the potential gains or if it is negligible if you include the rebalancing?
Thanks Chris Really imformative.
I'd never be in the market if I sold off whenever I saw a youtube video screaming SELL OFF, yes stocks are pretty unstable at the moment, but if you do your math right, you should be just fine. Luxury brands like Dior, Louis Vuitton and Mercedes sales are booming lately, so I think there's enough money to go around if you know where to look.
Thank you for bringing up these strategies, It's always an honor to have you here as a mentor. I appreciate you for the time being spent to educate us financially. With the help, I have netted a profit of 35k from my stock investment of 9k since following you for a few weeks now after feeling so ecstatic and heavy minded that nothing good can come out of it.
Vanguard all cap fee is 0.23 not 0.24
Very good and well thought through video . HOWEVER, you have not mentioned the straight forward HSBC FTSE all world ETF Which does the same thing for a low charge of 0.13%. Why have you not informed your listeners of this simple option??
Only because it’s a Vanguard focused video. I mention that fund for a Lifetime ISA which I hold, however it’s a mutual fund and not a ETF so the management charge is 0.45% uncapped there. I’ll have to sell it soon although it is up 16%. I actually have a fund video coming soon which I think beats Vanguard
Hi Chris The two Vanguard funds that you selected in your feed above, am I right in assuming that these are the self managed type.
Hi Ian, not silly at all don't worry - yep they are self managed, so the only funds I actually pay on these because I'm using Invest Engine are the fees from the actual funds which are super low (the 0.13%) roughly. On other platforms you would pay that plus the platform fees on top.
Many thanks Chris, when I looked at the funds I realized that they had to be the self managed type, Thanks again for the info, I also love your content, keep up the good work Regards Ian@@chrispalmer24
Brilliant advice Chris, fees really do add up. I left a wealth firm in beginning of 2022, best thing I ever did. Was going to go with the whole world index fund and invest the dividends myself. However after seeing the way over priced American markets of which take over 60% of the entire stock market thought the whole world index just way over balanced to a America. Ended up going Vanguards 80/90 sustainable esg Wellington managed fund which actually gained in 2022 when global markets took a dive. It holds undervalued stock/health etc and a low concentration to tech, so is very defensive in these volatile markets. It’s .48 charge but it’s paid for itself in defending my portfolio. I’m sticking with this next year before changing strategies into indexing. If or when we going into a deep recession as a good entry point in pure equities.
Is ESG important to you? Otherwise you are just giving up on higher returns from being more flexible with stocks picks.
@@jan2000nl think your missing the point mate, reason for going in this fund is its full only of big cap undervalued companies that are weathering the storm well, it gained when markets took a nose dive last year. Its safe and its paying us a nice 2.2 dividend end of year. Going forward for momentum im definitely transferring out to ftse developed world index, but at the moment its serving its purpose in this market of endless possibilities. Also no need for single stocks I have a few for fun in a sipp but main holdings just way too risky and too much money at stake. Only stock loading up on next year in SIPP is purely just Rivian with a bit of Nio and Lucid running alongside. Rivian with Bazos just can't fail. Saying that there's a daft part of me that says YOLO all in on Rivian and pray lol.
@@mixerman8 Right. S&P500 is up almost 25% this year. How did that fund do in comparison?
@@jan2000nl SP500 has had an incredible run but your forgetting about the loss it made in 2022???? its now only just hitting same levels as dec 2021 so you haven't gained anything. The PE ratio's of the big 7 have gone stupid again. I lost nothing in 2022 but gained just shy of 12% since may 2022 and im getting a nice 2.2 dividend payment 30th December. So in comparison my capital is up more than if I'd have simply being moronic and just been all in on the SP500 at that time. This economic climate we're in now favours a well diversified run fund by the professionals until another mega pull back at which time I'll be positioning to be entering passive again. You obviously don't have a game plan apart from lets just invest in the sp500 and not protect capital CRAZY.
Hi there, and thank you for the information in your video.
When setting up my investengine acc. Should I set up a isa or general account ?
ISA so everything you make is Tax free :)
Thank you for the advice Chris
Awesome video!
Thank you so much this is brilliant
Thanks Chris for the video, did I hear you right saying IE doesn't offer a SIPP? - i was thinking of transferring my SIPP with vanguard into IE and use the method you've set out
Hi Gary, not yet it's launching soon, I'm waiting for it too, you can sign up on this link and it'll say when it's launched, I'll be moving once it does - bit.ly/investenginesipp (I'll also pop it on the community page when it does come and probably email if you aren't on there yet - chrispalmer.co/).
@@chrispalmer24 many thanks Chris
@@chrispalmer24 It says they will charge for a Sipp with IE though…. You'll pay 0.15% for your InvestEngine SIPP, capped at £200 per year, plus the costs of your investments - commission-free for our DIY portfolios, or add a Managed portfolio for 0.25% a year.
Brilliant thank you
Why would investing in these two be better than the S&P 500 or FTSE 100 long term?
Honestly S&P500 isn’t really diverse enough this combination is still 60% in the US and the FTSE100 the returns are awful honestly I wouldn’t bother
Awesome video- this has made me realise I have been investing in the € version of this fund (VWCE) and not the £ version (VWRP).
Have I messed up? What should I do?
How does vanguard take ETF fees if you are using another plantform like trading 212 or investing engine
It's a fund fee so they are deducted from the overall value of the fund and reflected in the share price, so not charged separately.
Do the lower fees of 0.07% not make the VUAG more attractive?
The reason I'm not in there is honestly the USA is predicted (even by vanguard) to be outperformed by global equities in the next 10 year. Plus I still get 60% of them this way.
Thank you 🙂
i have sp500 and all world, obv all world is 60% of america. so would it be better to sell one of them and maybe buy the developed world? i dont really want to pay too much attention to all of this, so far ive been happy ot just hold both for long term but it might not be smart to have those 2 together.
Chris why do you own VEVE the Distributing dividend based fund rather than the Accumulating VHVG you advise?
Hey Michael! Because Vanguard didn’t have it added on their platform until recently and I love seeing my return to switch 😂 I’ve lost my real gains so much through my investing it’s nice to see honestly. My ISA has VHVG and when I move my SIPP eventually I’ll switch it too tbh
would these same funds be suitable for a SIPP?
What’s your thoughts on the Global All Cap vs Target Date Funds?
Hey Adam, I think All Cap is clean and a brilliant fund. Target is a bit meh to me, it automatically buys bonds nearer retirement date for you, off the top of my head the fees are more expensive. I wouldn't be switching to bonds until right before retirement I imagine - the returns for all cap are way better imho
@@chrispalmer24thanks Chris. I’m 37 and just beginning my investment journey and want a simple/passive approach, sounds like just sticking with the one fund (Global All Cap) is the way forward 🙏
@@adammirza714good choice, I’m the same
ESG. Then say “ethical”. There’s the problem, completely misunderstanding the differences
Do you mean, what about the S and G?
Very good logic.
Hi Chris
I opened an invest engine account using your affiliate link. I haven't received a bonus. Can you help?
Hi Alex 👋 sorry I’ve been away for a few days. Did it come through? Could you send me your email to Chris.palmer.yt@gmail.com and I’ll check with their team for you
hi Chris, thanks for the video, but which one is the link to the financial calculators&tool you show at the end of the video ?
Would you avoid ishares?
They are decent, I’d stick with any in the top 5-10, just check the fund size
My SIPP is in US Equity Index Fund (Accumulation) I was in the S&P but I prefer accumulation. And I have a general investment account in the FTSE Dev. World ex UK Accumulation fund. ISA is in a cash ISA but will transfer it next year into a stocks and shares ISA, not sure in what or where though yet. Thanks for your videos Chris.
Is the cost averaging effect better to but weekly or monthly?
Very little difference. I would stick to monthly unless you get paid weekly
Hi Chris, great content by the way..i hold the Vanguard FTSE All World VWRL
Whats your thoughts ? I am write in thinking this is extremely close to what you have picked or am i way off ?
Cheers in advance
Hey Andrew! Yeah it's very close, just slightly higher fees is all, you could save money doing it this way with 2 funds if you wanted, but it can be quite minimal in terms of differences.
@@chrispalmer24 thanks for your reply...developing a great community here by the way... one quick question your thoughts on bonds compared to etfs for short instead of long term gains ? Might make a good video..
Cheers in Advance Andrew
@@chrispalmer24it seems the predicted annual return rate is lower that the VWRL, so is it really worth splitting into 2 funds even though the fees are slightly cheaper
Hi Chris,
Thanks for your incredibly well produced videos, and very digestible information on what can be a really complicated subject.
I'm interested in investing in FTSE All world, via the Developed and Emerging Markets method you suggested (saving on fees). I know there would be overlap, but I wondered if you would still consider investing in S&P 500 at the same time? Does that make any sense or should I keep my portfolio to just VHVG & VFEG?
Thanks!
Hiya, thank you for video. Great knowledge. If I want to reinvest funds, how do u do this?
can you do this with 100 pound a month?
Yes
Yep definitely 👍
Hi Chris, Is invest engine where most of your investment in?
Another very informative and clear video thanks Chris! What’s your thinking on holding more than the £85K covered by FSCS with a single broker please? It’s obviously not practical to split a pension pot over multiple brokers for this reason is it??
Only index fund I'm in at the moment is VUSA S&P 500 dist for long term growth, 40% in that 15% in Nvidia, AMD, Microsoft and Amazon, intitial investment was 200 unfortunately but putting 200 a month into that pie for now dollar cost averaging style, hopefully the long term growth will remain big. I use trading 212
Ive just always used the lifestrategy 100 as i dont understand the ins and out but seemed a good balance
how much do you invest in these two ETFs and how often?
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks this year. Hope to make millions in 2024.
80% in VWRL and 15% in S&P. 3% in individual companies. 2% in crypto. Roughly my investments.
My one is almost the same just opposite with S&P
How it been going over the last year? Any gains?😊
@@coolsiwales YTD 8% + dividend
What about EQQQ? Tech will still outperform snp on the long run
Can you do this on trading 212 and would you recommend this platform for this?
Nice, clear video Chris. I hold VWRP so you have given me something to think about....although taking a hit when re-balancing is not a nice thought (I'm closer to the retirement age than you) 🙂
Brilliant Tim, VWRP is still really good. You may want to explore the newer Invesco ETF which is 0.15% too - I'll cover that one soon.
@@chrispalmer24 Great video. I started in October 2023 and im 39 years old. So gutted that im this late to the party but to be honest buying a house and raising a family i didnt have a lot of spare cash until now. Im on invest engine and i went for the Invesco FTSE All World. Lower fee than the vanguard one and im currently 3.98% in the green which is nice. 2024 will be my first full year and ive set it as £100 a month savings plan but putting any spare money i get in there also.
lol this is the fund I went with (-excluding UK version) way back, good job me!
Hi Chris this maybe a silly question but are the two funds that you have selected managed or unmanaged as I am new to this investing world. many thanks.
Hi Chris. Am I correct in thinking Vanguard now has the VHVG and VFEG as Accumulating? If so, when did this happen? Assuming after this video was made?
What is your expected return (% per year) over 20 years?
Hey Josh I’d love 8% but I’d be happy with anything over 5 on average I would say
why not the vusa?
Why are you only using the ftse index? Why no s&p? Isnt it a good idea to use both i plan on VUAG s&p and ftse VHVG for the developed wrld and VFEG to get a slice of emerging markets. What do you think?
Hi Katie! I think the confusion is it’s the FTSE all world index not the FTSE 100 (UK companies) VUAG and VHVG overlap, VHVG is already 60% invested in the USA
@@chrispalmer24 yes, I've worked that out now 😆 I'm new to all this but everyday I learn more and more!
@@katiemeredith4585Don't worry we all started from somewhere..
Hi why do you not invest in the nasdaq 100 (qqq/eqgb) which should long term have the biggest growth
Also why don’t you select pound hedged
What’s your take on the HSBC FTSE all world C accumulation?
I’m thinking of that one too
Thank you - That buying the two funds separately is smart. Do you recommend keeping some monies in safe places, such as bonds of Lyxor overnight cash?
Thanks a great video.
Nah, this is 🔥🔥🔥
Amundi Prime global PRIW with 0.05 fees?
Predovic Via
Why re-invent the wheel?.The best traders in the world tell us to bet on the ETF S&P 500 long term.Can't loose.
What is VUSA vs VUAG
It’d accumulation or distribution. I.e if you want the dividends paid out to you or automatically reinvested
Which platform is best ? Costs and range of funds. Was looking at HL. Want to open a sip
Why not just invest in FTSE Developed World on it’s own?
VFTAX, VOO, and VTI, among other passive index funds and ETFs, comprise around 68% of my portfolio. Utilizing an F.A. Emily Lois Parker I find it enjoyable that these are appropriate measures to pursue increased cash flow on long-term trends.Having a varied portfolio makes me feel as though I will continue to make money even if 20% of it performs poorly. Not as good as wasting my money on a fancy pair of shoes or a trip, haha.
That’s impressive
i'm happy there are lots of people doing so well. Love this channel for the transparency
I looked up Emily Lois Parker online out of curiosity; her resumé is excellent.
Thank you for sharing. Since this is also very important to me, I looked her up online and found that she had a very strong history in investment. I'm going to send her an email soon.
Weston Trail
Got most of the same funds but I'm currently losing.
I am too so don't worry 😅
My Ishares world index (hedged) fund is up 12.75% YTD. Some funds are doing well.
You mentioned that holding ETFs in HL is cheaper as fees are capped. What you didn't say is it costs £11.95 every time you buy. So if you build it up monthly the fees are eye watering. Hence much better to use a fee free platform.
Yeah it’s definitely cheaper than funds in there (that’s what I meant). I actually hold a mutual fund in there - to confuse things more 😂 Although it is possible to use recurring buy on HL to buy ETFs at £1.50 per month plus their max £45 per year I think it is off the top of my head, so I think it’s around £5 per month. It’s quite a cheap option if people are worried about things like the age of the provider etc. I’m not worried hence why I lean toward IE or T212. Just have my Lifetime ISA there now
Yeah, H+L are rip off merchants. Invest Engine is currently the best.
It depends if you setup regular investing or not. If you do then HL fees are only £1.50 per trade.
If you are using HL monthly savings scheme there is no charge to buy😊
I think what I don’t get from this video is how you’ve come up with oh .13% when the fund is 0.22
Hi Dave it’s because there’s two funds so 10% of the fund is at 0.22% and 90% at the lower fee 0.12%. I think you could also opt to purely go for the one fund VHVG
Hl Chris I have just made my new pie with these 2 in it, My question is do these funds still have s&p 500 in them
Can i trade from Ghana?
ETFs !? Why the S&P 500 has returned 24% this year. A Vanguard UK ETF has only returned 18%
Hi mate, I am 25 years old and self employed and in the process of starting an SIPP, would you recommend using this pair or am I safer going with one of the life strategy or target retirement funds?
Rice Greens