Vanguard ftse global all cap accumulation fund. Both in my vanguard stocks and shares ISA and my Hargreaves Lansdown stocks and shares LISA. I like to keep it simple as I am still new to investing.
Ken your content is amazing and truly eye opening. From 10k to 40+k in 12 years!!!! I just wish they taught this stuff in UK schools, financial wisdom is sooo important!
I put one half my savings into premium bonds and one half into vanguard funds. Im into life strategy 100 accumulation for two thirds and one third the global one vwrl. When I have got enough money I'm going to buy a buy to let. Then start again.
@@TheHumblePenny I dont know really. I am thinking either city I live in or a holiday home so as to save money on holidaying long term aswell as get some rental income from it. Do you guys do buy to lets ?
I invested a week ago in the Vanguard all world FTSE distributing version. I also plan to have it for my pension/daughter fund :) I'm 35 and this alongside Apple, Facebook and Tesla is my very first investment. I should have started earlier but we'll see...:) Thanks for your awesome videos!
Can't believe this My dad just worked from morning to night, with no concept of these things. Just put money in bank, get credit card and that is life. I never knew about any of this and now all of this is available for free? This is insane. Thank you man, I'm gonna look into this and my knowledge can be passed on to my kids, so I don't end up like my dad
Best comment... unfortunately all our parents did this except rich business owning parents ..shame we didn't learn this in school... It's annoying finding out late
I was thinking the same...my Mum even had to finance a washing machine!! I started investing a week ago and gained the equivalent of a washing machine already... it's crazy how financially illiterate we are... but some do live in a country or surroundings that aren't easy to get out of. Investing isn't possible for everyone. I wish it was though...poverty is painful.
what is the difference between the total expense ratio and the minimum? And when you refer to minimum is it the amount you have to have in your bank account to invest?
Total Expense Ratio is your annual fee for investing. E.g. 0.25% of your total amount invested. Minimum is the minimum amount you can start investing with. Either a lump sum or monthly amount. In week 7 of 10 of our new book, Financial Joy, we cover investing extensively and even share exactly what we invest in and so much more. Order it here geni.us/financialjoy
This is pure gold, thanks Ken, I enjoy learning what I know and also new things from a 3rd party, I can learn new things or be reassured on old things, it just makes me a better person.
Great video again. With the minimum payments, does that mean if you pay the one off £500 that you don’t need to then pay a minimum of £100 a month after that and can invest whatever amount you wish to there after?
Hi Ken. After following great investment channels such as yours and reading a number of investment books, I've just opened my own Vanguard account and started my first ongoing investment in an index fund! Thank you for the great content you and your beautiful wife make, keep it up!
Great video as always✨🙂✨ I’ve got a Vanguard 60/40 Life Strategy. Is it best to stick with one fund as it’s already pretty diversified or add something else?
@@TheHumblePenny I was also about to ask the same question. I'm looking to take on more risk for the higher return but also will need bonds and cash allocation for protection as you said. Would be good to get some help on this ! Thanks in advance!! Another great video !!
hey ken clean and crisp vid as always thanks for the content! what are yours and rest of the community here thoughts on fears that the economy will crash again like 2008 as global inflation has hit the highest like back in 2008, look forward to hear any thoughts on this
Useful video but one crucial thing you didnt cover: stock duplication through ETFs that have a similar makeup. There will be people investing in 2-3 ETFs thinking they’re being clever whereas ultimately the stocks are duplicated in both (ie big tech). As for me i’m focussed on SMH which is a major semiconductor fund covering 25+ of the biggest semis companies, but i still want to find one more specialist ETF for either EV cars, or robotics & automation, or hydrogen/lithium, and i also want to find 2-3 more generic funds for the USA and rest of the world. I’m thinking about VUSA, VTI, VMID/VUKE etc
Excellent video. I wish this type of financial education was taught in school. I have 3 x Vanguard Index funds. US Equity (28%), Developed World Ex UK (36%) and Emerging Markets (36%). I am thinking of adding the Global Index Fund to be more diverse. What is your opinion?
Hi i can, i can see the cost of 1 share is circa £481, but if i invest £100 every month do i buy portions of a share or does the money pool till there is enough to buy one. Thanks
@@TheHumblePenny great! Just general Saving, best way to do it, as in joint ISA accounts or separate, just a big help for us to save towards a new home for our family. Love the videos! Keep it up 🙌🏻👌
Hi, Nice video. I have a question. Can I invest in three of the ISA at the same time i.e my stocks and shares ISA and Help to Buy ISA and open VANGUARD ETFs in the same tax year (as long as all the three investments don't exceed a total of 20k)? Thanks.
Not sure if this is your passion but will take the risk and ask. What would you do if you were working full time but on a low income and very unhappy at work. Not managing to build a side hustle ( everyone else in the world seems to manage to do 😞but seating on 100K equity in your home? Thank you so much in advance for any information and Merry Christmas for you and your family
Excellent information as always. For those of us who already have accumulation funds but need to have an additional monthly income could you do a video regarding the best funds that pay highest monthly dividend 2021/2? thank you in advance
@the humnle penny. Great video, Ken and Mary. I am new to the investment platform. For example, if i invest in the S&P 500, and make the one-off payment. Do i need to consistently put in £ every month or annually? I am greatly honoured by your analysis and videos
Help! I wanted to open a vanguard account to put in £2k but not anything else What account should I open please? I noticed there were a few options i don't know which would be best
Hi Ken I’m a beginner here, I can see the minimum investment it’s £100 monthly if I wanted to invest in just 3 of the one you mention that would be 300£ monthly. I mean ideally I would like to invest in all, is there a way to invest less? Many thanks
What do you think of VUSA? And if you do like it would you hold it along side VWRL? Final question are you a fan of the dividend ETFs? Thank you for your help!
Hey Ken. Thanks for this video which is a nice follow-up on your course “Super Simply Investing” I am currently doing. I have a small budget and would like to start to invest in the FTSE ALL-World UCITS ETF funds you mentioned in this video. Any further tips for me as a beginner like me?
Also where specifically on the fund documents can you find if each specific vanguard fund is tracking total return index? I'm struggling to locate this information for a few funds. Thank you
Ken, you're the man! Great info as usual. Inspired me to look into ETFs and Index Funds other than the Vanguard LifeStrategy 60% Equity Fund that I'm already invested in. BTW - Still waiting for that "The Pros and Cons of Shared Ownership" video. Don't let me down, brother, as I will have to find that cave to move into soon! LOL
Great breakdown Ken. Your super simply investing course set me up on my investing journey. What are the true implications of investing in the US equity index fund? Do you pay any additional taxes? ……..I have heard something about a 30% withholding tax.
AMAZING!!! Thanks for the feedback :). There is no withholding tax if you fill in a W8BEN form as the UK has a Double Taxation Treaty with the US. Completing that form with your investing platform stops you paying any form of double tax.
@@TheHumblePenny been watching your videos too and have subscribed to your channel a few months ago. Thank you for the great content! Regarding the above tax question.. if investing in that fund through an ISA, is that form needed? I am investing in other funds myself, not this one but thinking about it. My 2 picks are also mentioned in the video btw :)
Hi Ken, just a question please, I'm planning to open a Vanguard account but do you have to open an ISA account in Vanguard in order to start investing? Because I currently have a Help to Buy ISA with my bank account in HSBC and thats ongoing and im planning to mortgage a house this year. I heard that you can't have two ISA accounts in the same tax year? So I'm so confused. Please HELP.
Hope not too late, but you can open more than one ISA account as long as they are are not the same ISA . E.g you can have , Help to Buy ISA, and S&S ISA .
A question about the minimum investments. I see alot that it says either £500 lump sum or £100 each month. Is this per investment or per account? For example if I invest £500 lump sum in Vanguard FTSE developed world ex-UK am I then free to invest any amount I want (within £20k limit if doing ISA) in another investment, say the FTSE all world UCITS ETF? Or would the same minimum apply, would I have to do the £500 lump sum or £100 each month on the second investment?
I’m reading through the terms on the website and had the same question, it looks like you need to do the same minimum payment on each fund you wish to invest in.
@@TheWalkingCameraChannel In case you were still wondering about this, it does seem that the minimum is per account. A few days ago I went ahead and opened my ISA with £500 in the Lifestrategy 100%. It cleared today (and has grown by a penny, woohoo!) so I went in to buy £40 of FTSE 100 index trust and it allowed me to do so.
Thank you for this Ken. I haven't invested before and just wanted some clarification. After an initial investment of say £500 how much should one invest on a monthly basis thereafter? Thank you.
Another great video - thanks. As a teacher I will get a DB pension in 5 years (I know, I'm lucky) which I think will give me the similar protection of bonds. Therefore I try to be more adventurous with my SIPP (Vanguard FTSE global all cap) and for my S&S ISA I have LS100. Although other funds are tempting, I'm hoping that these are good enough to invest monthly and forget.
You say the price of the fund is the 'key bit', but with funds at least on vanguard, you can buy fractions of a fund unit. So the price of the fund is irrelevant. I used to invest in the momentum vanguard fund, before they closed it. Now im in the global all cap with an extra tilt to small cap by investing in the global small cap fund.
No, it all depends. ETF’s, I believe you have to buy a full share, so price of the fund would be important if you’re not able to invest as much. The popular ETF’s S&P 500 (VUSA) and FTSE All World (VWRL), you can only buy whole shares, NOT fractional shares.
Hey, thanks for sharing. My reference to "Key Bits" is actually to a table of about half a dozen things (including pricing) that I summarised per fund that ended up not making the cut at editing. Your point about price is a good one. You can buy fractional shares for funds not traded on a stock exchange (e.g. the UK OEIC - Index funds) but you need to buy the full share for traded securities like ETFs or normal shares at Vanguard.
@@leahmcdermott4189 Hi Leah. To be fair, I did say "with funds at least" in my comment. Also 3 out of 4 examples in the video were funds rather than ETFs. The Vanguard ETF's tend to have a lower price anyway, so easier to buy whole units. Vanguard can (and do) also do stock splits with the ETF's to keep the individual unit price down to affordable levels. I just wouldn't want anyone watching the video and thinking "I cant afford to put a whole ~£600 in a fund at once, so I'm just not going to bother"
Great information as usual, for those of us who already have a retirement and accumulation funds but need an additional monthly income I would really appreciate a video regarding the best dividend funds 21/22. I have been investing on the FTSE All WORLD yield units ETF( VH YL), but seeing increasing number of videos saying its not good for monthly income. Furthermore, investing on life strategy 80% for my 11 year old. Good fund? I would truly appreciate your reply. Regards
S&P 500 on Vanguard for me and the FTSE developed world. Not sure about having any allocation to bonds at the moment in anyone’s portfolio particularly those 10 plus years from retirement they’re offering nothing at the moment certainly won’t keep up with inflation appreciating I’m commenting 5 months late! Thanks
What funds do you invest in on a monthly basis?
Vanguard ftse global all cap accumulation fund. Both in my vanguard stocks and shares ISA and my Hargreaves Lansdown stocks and shares LISA. I like to keep it simple as I am still new to investing.
TRF 2040 in sipp and VLS 60& v3am in Isa
Vanguard FTSE All-World High Dividend Yield UCITS ETF (VHYL) I like the regular dividends ;)
FTSE Global All Cap Index 🏆
Good fund to invest in :)
Ken your content is amazing and truly eye opening. From 10k to 40+k in 12 years!!!! I just wish they taught this stuff in UK schools, financial wisdom is sooo important!
Couldn't agree more! 😊. Thank you for watching. Please share with others.
I have heard it's creeping into schools now 👍
What do you invest in now to get to 40K+++ ??
I put one half my savings into premium bonds and one half into vanguard funds. Im into life strategy 100 accumulation for two thirds and one third the global one vwrl.
When I have got enough money I'm going to buy a buy to let. Then start again.
Where do you hope to buy a BTL?
@@TheHumblePenny I dont know really. I am thinking either city I live in or a holiday home so as to save money on holidaying long term aswell as get some rental income from it. Do you guys do buy to lets ?
@@Charlotte77683 who tha furballs is that guy. That's not the real humble penny.
I invested a week ago in the Vanguard all world FTSE distributing version. I also plan to have it for my pension/daughter fund :) I'm 35 and this alongside Apple, Facebook and Tesla is my very first investment.
I should have started earlier but we'll see...:) Thanks for your awesome videos!
You're most welcome :). Welldone for the investing moves that you're making. Please share this video with others 😊
Can't believe this
My dad just worked from morning to night, with no concept of these things. Just put money in bank, get credit card and that is life.
I never knew about any of this and now all of this is available for free? This is insane. Thank you man, I'm gonna look into this and my knowledge can be passed on to my kids, so I don't end up like my dad
You're most welcome. It's quite a revelation when you first realise the possibilities of investing your money in the right environment.
Love this comment!
Best comment... unfortunately all our parents did this except rich business owning parents ..shame we didn't learn this in school... It's annoying finding out late
I was thinking the same...my Mum even had to finance a washing machine!! I started investing a week ago and gained the equivalent of a washing machine already... it's crazy how financially illiterate we are... but some do live in a country or surroundings that aren't easy to get out of. Investing isn't possible for everyone. I wish it was though...poverty is painful.
what is the difference between the total expense ratio and the minimum? And when you refer to minimum is it the amount you have to have in your bank account to invest?
Total Expense Ratio is your annual fee for investing. E.g. 0.25% of your total amount invested.
Minimum is the minimum amount you can start investing with. Either a lump sum or monthly amount.
In week 7 of 10 of our new book, Financial Joy, we cover investing extensively and even share exactly what we invest in and so much more. Order it here geni.us/financialjoy
This is pure gold, thanks Ken, I enjoy learning what I know and also new things from a 3rd party, I can learn new things or be reassured on old things, it just makes me a better person.
💯💯💯 I appreciate you watching and commenting! 👊🏾
Great video again. With the minimum payments, does that mean if you pay the one off £500 that you don’t need to then pay a minimum of £100 a month after that and can invest whatever amount you wish to there after?
I have or do invest in all of these funds on some platform. Thanks for sharing!
Keep going, Sharone :)
Hi, could you do a review or comment on VWHL vs VHYL - and why did you choose VWHL?
Video loading
I like your background graphics but I did think my graphic card was failing at first with all the artifacts!
😊
Hi Ken. After following great investment channels such as yours and reading a number of investment books, I've just opened my own Vanguard account and started my first ongoing investment in an index fund! Thank you for the great content you and your beautiful wife make, keep it up!
🔥🔥🔥 Amazing, Dan 👊🏾
Hello Dan which platform did you use.
Great video as always✨🙂✨ I’ve got a Vanguard 60/40 Life Strategy. Is it best to stick with one fund as it’s already pretty diversified or add something else?
for some reason i cannot find VTI?
Hi Ken is the VWRL accumulation also? I can only find the distribution one on Vanguard platform. Many thanks
Hi Sara
They only have distributing.
Have you got a video on best bond funds to buy?
We don't, but good suggestion :)
@@TheHumblePenny I was also about to ask the same question. I'm looking to take on more risk for the higher return but also will need bonds and cash allocation for protection as you said. Would be good to get some help on this ! Thanks in advance!! Another great video !!
Brilllllliant content! I recently started investing in VWRL so good to see it on the list.
Hehe! 😉. Please share with others :)
Great information please how can l open the vanguard account of index fund
Thank you for this and all your work!
Thank you, Mark! 😊
very helpful and clear - thank you
You're welcome 😀
hey ken clean and crisp vid as always thanks for the content! what are yours and rest of the community here thoughts on fears that the economy will crash again like 2008 as global inflation has hit the highest like back in 2008, look forward to hear any thoughts on this
Another great video 👍🏼 thanks for sharing these tips.
Cheers, Natasha :)
Useful video but one crucial thing you didnt cover: stock duplication through ETFs that have a similar makeup. There will be people investing in 2-3 ETFs thinking they’re being clever whereas ultimately the stocks are duplicated in both (ie big tech).
As for me i’m focussed on SMH which is a major semiconductor fund covering 25+ of the biggest semis companies, but i still want to find one more specialist ETF for either EV cars, or robotics & automation, or hydrogen/lithium, and i also want to find 2-3 more generic funds for the USA and rest of the world. I’m thinking about VUSA, VTI, VMID/VUKE etc
"stock duplication" why is that a problem???
Great video.thank you so much.
You're most welcome 😊
What are the best vanguard options today?
Can't go wrong with VWRL! Thanks for sharing your thoughts, Ken.
You're most welcome! 👊🏾
I can’t find the accumulation Vwrl on the vanguard platform, is there something wrong?
Hi Ken what's the best app or investment platform to use.
Thank you so much for this 🙌
You're so welcome!
Excellent video. I wish this type of financial education was taught in school. I have 3 x Vanguard Index funds. US Equity (28%), Developed World Ex UK (36%) and Emerging Markets (36%). I am thinking of adding the Global Index Fund to be more diverse. What is your opinion?
Works really well for you this portfolio?
Great video, must say numbers are not visible on mobile screen..
What -latform do you use?
Hi what do u think about vanguard veve please
Hello Sir great video I love it!!
Would you choose US Equity Fund over the VUSA? Thank you...
Personally, yes. But we've invested in both.
thank you Sir@@TheHumblePenny
Another thing Sir... the fund duplication is not or wont be a problem as you invest into BOTH of them? @@TheHumblePenny
Great video on vanguard:), myself I invest in the HCBC FTSE all world Accumulation c.
What platform do you use.
How about S&P500 vanguard tracker "Vusa"?
It's a great fund too :)
When’s the update?
So that mean that the US equity fund is better than lifetime strategy 100 fund
Not necessarily. They're both good funds to explore. But focused on different things.
Hi i can, i can see the cost of 1 share is circa £481, but if i invest £100 every month do i buy portions of a share or does the money pool till there is enough to buy one. Thanks
You buy portions :)
Thank you. This channel is so clear and informative and truly helpful particularly for the uk based investor. Keep up the good work!
Thank you, Diane 😊. Please share with others.
Is it worth investing in both the US equity index and the Global all cap index fund or does this give you too much exposure to the US?
I invest in VLS100 for my kids- interested in the vanguard us equity income fund- however would this then not be diversified enough as only US?
Not necessarily :). The US makes up about 60% of global equities.
Great video. Would love to see a vid on investing for a sipp. Also your opinion on funds from Baillie Gifford
Hi Ken, when are you doing a video on saving as a couple? Cheers
Sooner than you think 😉 What would like to know more specifically? What areas would you like us to touch on?
@@TheHumblePenny great! Just general Saving, best way to do it, as in joint ISA accounts or separate, just a big help for us to save towards a new home for our family. Love the videos! Keep it up 🙌🏻👌
Great video. Cheers.
Much Appreciated, Raj! Please share with others
Hi, Nice video. I have a question. Can I invest in three of the ISA at the same time i.e my stocks and shares ISA and Help to Buy ISA and open VANGUARD ETFs in the same tax year (as long as all the three investments don't exceed a total of 20k)? Thanks.
Not sure if this is your passion but will take the risk and ask. What would you do if you were working full time but on a low income and very unhappy at work. Not managing to build a side hustle ( everyone else in the world seems to manage to do 😞but seating on 100K equity in your home?
Thank you so much in advance for any information and Merry Christmas for you and your family
Maria, this sounds like you should submit a dilemma to us 😃. Follow instructions here: instagram.com/p/CWLrEakKRZ8/?
Excellent information as always. For those of us who already have accumulation funds but need to have an additional monthly income could you do a video regarding the best funds that pay highest monthly dividend 2021/2?
thank you in advance
@the humnle penny. Great video, Ken and Mary. I am new to the investment platform. For example, if i invest in the S&P 500, and make the one-off payment. Do i need to consistently put in £ every month or annually? I am greatly honoured by your analysis and videos
Thank you 😊. I'd suggest investing monthly via a direct debit
This video helped a lot
Awesome! :)
VTI all the way. But i live in the US so i dont need anything else. It usually outperforms world markets.
Makes sense re VTI.
@@TheHumblePenny i am also very lazy so... 😆 i get nervous making things complicated!
When starting out is it still viable to put say £100 in for example multiple funds as per above rather than focus on one fund but a larger amount?
Help! I wanted to open a vanguard account to put in £2k but not anything else
What account should I open please? I noticed there were a few options i don't know which would be best
Hi Ken I’m a beginner here, I can see the minimum investment it’s £100 monthly if I wanted to invest in just 3 of the one you mention that would be 300£ monthly. I mean ideally I would like to invest in all, is there a way to invest less? Many thanks
You can do a lump sum and then invest as and when you can.
What do you think of VUSA? And if you do like it would you hold it along side VWRL? Final question are you a fan of the dividend ETFs? Thank you for your help!
I am thinking about the same
If you had £100 only to invest ISA stock & shares and wanted to invest & forget, which stock & shares would invest, S&P?
Hey Ken. Thanks for this video which is a nice follow-up on your course “Super Simply Investing” I am currently doing. I have a small budget and would like to start to invest in the FTSE ALL-World UCITS ETF funds you mentioned in this video. Any further tips for me as a beginner like me?
Hey Nadia, great! 😀. Please drop me an email :)
Good job. Enjoyed it.
Thank you! 😀. Please share with others
excellent video!!
Thank you, Andrea 😀. Please share with others
Is the crash coming...Should I wait before buying shares in the VWRL???
I wouldn't wait.
Also where specifically on the fund documents can you find if each specific vanguard fund is tracking total return index? I'm struggling to locate this information for a few funds.
Thank you
It's in the fund "Overview" section
Thank you!
Hi can I accumulate dividends on the vanguard s&p500, currently the dividend is paid
Loved this video
Cheers, Carlos! Glad to hear it. What would you like to see next?
is it too late to start investing on Vanguard onETF funds i am 58 year old
Love your videos, always!!!! I'm doing well with my investments now. I invest in FTSE Global All Cap, and FTSE UK All Share Index funds
I have a few different funds in my SIPP though
Thanks, Tom! Great choice of funds :)
I’m so confused, do I invest in a general ETF or do I open a stocks & shares ISA?? :(
I'd open a Stocks and Shares ISA to start as it's tax efficient
Ken, you're the man! Great info as usual. Inspired me to look into ETFs and Index Funds other than the Vanguard LifeStrategy 60% Equity Fund that I'm already invested in. BTW - Still waiting for that "The Pros and Cons of Shared Ownership" video. Don't let me down, brother, as I will have to find that cave to move into soon! LOL
😁 Good reminder! Please share this video with others
Great breakdown Ken. Your super simply investing course set me up on my investing journey. What are the true implications of investing in the US equity index fund? Do you pay any additional taxes? ……..I have heard something about a 30% withholding tax.
AMAZING!!! Thanks for the feedback :). There is no withholding tax if you fill in a W8BEN form as the UK has a Double Taxation Treaty with the US. Completing that form with your investing platform stops you paying any form of double tax.
@@TheHumblePenny been watching your videos too and have subscribed to your channel a few months ago. Thank you for the great content! Regarding the above tax question.. if investing in that fund through an ISA, is that form needed? I am investing in other funds myself, not this one but thinking about it. My 2 picks are also mentioned in the video btw :)
Hi Ken, just a question please, I'm planning to open a Vanguard account but do you have to open an ISA account in Vanguard in order to start investing? Because I currently have a Help to Buy ISA with my bank account in HSBC and thats ongoing and im planning to mortgage a house this year. I heard that you can't have two ISA accounts in the same tax year? So I'm so confused. Please HELP.
Hey, you’ll have to wait for the next tax year in April to be able to open a new ISA. You can only open one every tax year. I hope that helps!
Hope not too late, but you can open more than one ISA account as long as they are are not the same ISA . E.g you can have , Help to Buy ISA, and S&S ISA .
Great!😃
🤗
A question about the minimum investments. I see alot that it says either £500 lump sum or £100 each month.
Is this per investment or per account?
For example if I invest £500 lump sum in Vanguard FTSE developed world ex-UK am I then free to invest any amount I want (within £20k limit if doing ISA) in another investment, say the FTSE all world UCITS ETF?
Or would the same minimum apply, would I have to do the £500 lump sum or £100 each month on the second investment?
I’m reading through the terms on the website and had the same question, it looks like you need to do the same minimum payment on each fund you wish to invest in.
@@TheWalkingCameraChannel In case you were still wondering about this, it does seem that the minimum is per account.
A few days ago I went ahead and opened my ISA with £500 in the Lifestrategy 100%.
It cleared today (and has grown by a penny, woohoo!) so I went in to buy £40 of FTSE 100 index trust and it allowed me to do so.
I’ve lost more than 10% of my investment already in less than 2 months. Should I remove it? Somebody advise please
We generally say don't sell. It's not a real loss. It becomes real when you sell.
Thank you for this Ken. I haven't invested before and just wanted some clarification. After an initial investment of say £500 how much should one invest on a monthly basis thereafter? Thank you.
Invest as much as you can :). Start with what you're comfortable with initially and then increase it. They key is to make your investing consistent.
@@TheHumblePenny great! Thank you😁
Another great video - thanks. As a teacher I will get a DB pension in 5 years (I know, I'm lucky) which I think will give me the similar protection of bonds. Therefore I try to be more adventurous with my SIPP (Vanguard FTSE global all cap) and for my S&S ISA I have LS100. Although other funds are tempting, I'm hoping that these are good enough to invest monthly and forget.
Good thinking, Rob! :)
Very Informative video. Thanks for all your effort. Just wondering why you have not selected S&P 500 Fund ?
Thank you :). Tbh, time was the issue. I didn't want the video to be too long.
You say the price of the fund is the 'key bit', but with funds at least on vanguard, you can buy fractions of a fund unit. So the price of the fund is irrelevant.
I used to invest in the momentum vanguard fund, before they closed it. Now im in the global all cap with an extra tilt to small cap by investing in the global small cap fund.
No, it all depends. ETF’s, I believe you have to buy a full share, so price of the fund would be important if you’re not able to invest as much. The popular ETF’s S&P 500 (VUSA) and FTSE All World (VWRL), you can only buy whole shares, NOT fractional shares.
Hey, thanks for sharing. My reference to "Key Bits" is actually to a table of about half a dozen things (including pricing) that I summarised per fund that ended up not making the cut at editing. Your point about price is a good one. You can buy fractional shares for funds not traded on a stock exchange (e.g. the UK OEIC - Index funds) but you need to buy the full share for traded securities like ETFs or normal shares at Vanguard.
Thanks, Leah :)
@@leahmcdermott4189 Hi Leah. To be fair, I did say "with funds at least" in my comment. Also 3 out of 4 examples in the video were funds rather than ETFs. The Vanguard ETF's tend to have a lower price anyway, so easier to buy whole units. Vanguard can (and do) also do stock splits with the ETF's to keep the individual unit price down to affordable levels.
I just wouldn't want anyone watching the video and thinking "I cant afford to put a whole ~£600 in a fund at once, so I'm just not going to bother"
@@jbullionaire2749 Very good point. Thanks for sharing this :)
What happened in 2018 to cause all those drops?
Global recession
Great information as usual, for those of us who already have a retirement and accumulation funds but need an additional monthly income I would really appreciate a video regarding the best dividend funds 21/22. I have been investing on the FTSE All WORLD yield units ETF( VH YL), but seeing increasing number of videos saying its not good for monthly income.
Furthermore, investing on life strategy 80% for my 11 year old. Good fund?
I would truly appreciate your reply.
Regards
What do you mean not good for monthly income? The dividend will be quarterly?
S&P 500 on Vanguard for me and the FTSE developed world. Not sure about having any allocation to bonds at the moment in anyone’s portfolio particularly those 10 plus years from retirement they’re offering nothing at the moment certainly won’t keep up with inflation appreciating I’m commenting 5 months late! Thanks
Great comment, Chris 😀
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