Vanguard, Invest Engine Portfolio Update October 2024 | S&S ISA and SIPP
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- Опубликовано: 20 окт 2024
- LINKS MENTIONED IN THE VIDEO:
Invest Engine:
Get a Welcome Bonus of up to £50 when you invest at least £100 with InvestEngine (Ts&Cs apply):
(£100 investment required, Ts&Cs apply): investengine.p...
Capital at risk. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128).
Trading 212:
Get a free fractional share worth up to £100 with my referral link:
www.trading212...
Investments can go up and down. Capital at risk. Terms and fees apply
www.trading212...)
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And we're in October - here's another of my liquid asset portfolio updates. It's been exactly 5 years since I started investing with Vanguard. I take a look at my goals and talk about how goals need to serve me, not the other way round.
This is my DIY investing portfolio - my SIPP and Stock and Shares ISAs and general accounts with Vanguard, Invest Engine, Trading 212 and Freetrade.
I hold my S&S ISA with Invest Engine as that platform offers zero fee Exchange Traded Funds DIY investing and a much bigger choice of passive index and Exchange Traded Funds.
My approach to investing is similar to my approach to life: be boring, ignore the noise, stay calm. In other words: keep it as passive as possible, buy and hold, invest consistently no matter what the market is doing.
Although I've achieved Financial Freedom, my vision of Early Retirement does NOT involve yachts and non-stop travel. Instead, I enjoy coaching clients on personal finance. You can find my current coaching offers here: www.allthehone...
These updates will encourage you to invest, not panic and see what's possible when we talk about money making money, passive income and lazy, hands-off investing. Start where you are, you're only competing with your yesterday's self. Best of luck on your journey and enjoy!
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MY COACHING PROGRAMMES:
www.allthehone...
MY PRODUCTS:
Mindful Scorecard: bit.ly/41s99Ec
Are You Ready to Start Investing worksheet (FREE): bit.ly/3O2Pnw2
Six “S” Side Hustle checklist (FREE): bit.ly/3WajofD
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THE FINANCE APPS I USE:
Vanguard:
www.vanguardin...
Invest Engine (Get a Welcome Bonus of up to £50 when you invest at least £100 with InvestEngine. Ts&Cs apply):
investengine.p...
Trading 212 (Get a free share worth up to £100):
www.trading212...
Monzo banking app (get £5 welcome bonus):
join.monzo.com...
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MY FAVOURITE PRODUCTS RIGHT NOW:
Zamat ergonomic pillows (get 15% off):
bit.ly/3LZL97g
Lebara mobile (get 50% off the first 3 months):
aklam.io/dAXtPo
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MY SOFTWARE
Background Music (get a month free):
www.epidemicso...
Website Builder:
squarespace.sy...
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STAY CONNECTED
Buy me a book:
www.buymeacoff...
My website
www.allthehone...
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WHO AM I:
I’m Marta - a designer and money coach living in London. You can read more about me here: www.allthehone...
GET IN TOUCH / BUSINESS:
If you’d like to talk, I’d love to hear from you. Email me at hellomartalis@gmail.com
PS: Some of the links in this description are affiliate links that I get a small 'thank you' from, to help fund this channel. It also means you can get great deals with my affiliate partners.
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ABOUT THIS VIDEO:
Invest Engine Portfolio Update, Trading 212 Portfolio, Freetrade Portfolio, Invest Engine S&S ISA, Vanguard Portfolio UK Update, Vanguard How To, Vanguard Fees, Long-term Investing, Money Mindset, Vanguard Index Funds, Invest Engine ETFs, Vanguard ETFs, Vanguard Retirement Funds, Investing For Financial Independence Portfolio, Low-cost Passive Investing UK, ETFs, Personal Finance, Real Numbers, Financial Freedom, Hassle-free Investing, Money Facts, Money Coach, UK Personal Finance, S&S ISA UK, SIPP, Investing For Ultimate Beginners UK, Women Investors UK, Invest With Me UK, FIRE UK, Financial Freedom Journey UK, Marta LIs
#InvestEngine #VanguardPortfolio #trading212 #freetrade #PersonalFinance #VanguardInvesting #FinancialFreedomJourney #Vanguard
LINKS MENTIONED IN THE VIDEO:
Invest Engine:
Get a Welcome Bonus of up to £50 when you invest at least £100 with InvestEngine (Ts&Cs apply):
(£100 investment required, Ts&Cs apply): investengine.pxf.io/gbA9Bv
Capital at risk. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128).
Trading 212:
Get a free fractional share worth up to £100 with my referral link:
www.trading212.com/promocodes/HONEYS
Investments can go up and down. Capital at risk. Terms and fees apply
www.trading212.com/terms/invest)
"All we have is today, tomorrow is just an idea" - Love that.
Love the section where you were reflecting on the last 5 years, and where you are now in it all. I agree - I'm grateful to my past self for the choices and sacrifice, and I also am really shifting toward now enjoying the process and now more. Something I don't think I'd be able to have now without my first doing the intensity goals and efforts that I did to build some financial security. :)
I'm happy for your present self, Theah! Celebrating with some virtual coffee and cake with you:)
@@Marta-Lis thank you Marta! I've been watching your channel a long time in my FI goals journey! So I feel like you're part of it with me. I consider myself a modest "coast FI" now !
Spell check your comment 😂😂😂
@@kw8757 haha thanks for the heads up on that typo. hilarious
@@TheahLil 😂😂😂👍
always look forward for your updates, thank you so much
My pleasure!
Love the video Marta, you just reminded me I have dividends in Vanguard to reinvest. Re Emerging markets I sold mine, I got tired to be honest and invested elsewhere
Thanks Miranda! Great to see your channel is doing so well, too!:) I hear you... need to sell mine, might just give myself a target loss and pull the trigger. Reinvest those dividends!;)
Super video. Great presence! Congrats on your journey
Thank you!
Hi Marta , great information as always. Can i ask why you choose distributing over accumulation for your funds?
Thank you! Old habit that didn't die.
Hiya Marta - Thanks for being so candid with the way you're investing with showing the investing dashboards etc. I'm an investor starting out and it's nice to understand a matured portfolio. Currently using VUAG,VHYL,EQQQ as well as some individual investments I'm hoping will develop nicely. (The rubbish bit was funny btw lol)
Great to hear you're also investing and find these updates useful;)
Looking good in black Marta
Thanks Eddie!
Well done, great accomplishment so far.
Many thanks!
Great video, thanks. i also had some investments in the RED. And i thought i would wait till they were green to sell. with hindsight, i should (and eventually did), simply sell, move the money to a more reliable growth fund, and forget about the losses. I suspect i made more money by moving them sooner, than leaving them to grow.
Yes, you dealt with sunk cost fallacy really well:) I'm OK with the small portfolios but that emerging market fund really needs to go.
5:20. I think it makes more sense to pay fees from pre tax money (allow platform to sell a some shares) e.g no tax
The beauty of everything, also in investing, is that there is more than one way of doing things. I like less hassle and more compounding. But of course you do what works for you best.
Wow, you seem like a pro investor, all green. I'm greedy 😅
Great Video. Which platform would you suggest - vanguard or Invest Engine?
Glad you like it. Invest Engine.
Depends on fund size, trading costs and what you want to buy.
@@Marta-Lis Thank you
@@coderider3022 Fund Size would be £50k to £100k for now. I am more into US Equity Index Fund, S&P 500 and a Developed World Ex UK fund.
41 here and just started to invest, can i please ask, why do you choose dividend option as opposed to accumulation? Thanks
No sensible reason, just a choice at the time. Accumulation is great and saves you time so, as you can see from my latest accumulating S&P 500 fund purchase for example, I'm also headed in that direction. Good luck with your investing journey!
I started investing in the accumulating fund s&p 500 got about £3400 so far ...wish i had done it years ago ...ive lost 20k in my ig trading account buying individual shares
I'm glad you started;)
Great Video. Do you need to rebalance your IE SIPP? The actual vs target look off
Thanks! I don't have a SIPP with IE.
@@Marta-Lis Sorry, your ISA at the start
@@spencerholdaway Ah. No.
@@Marta-Lis your S&P 500 is set to 100% in IE and everything else at 0%, did you intend to rebalance at some point, putting everything into the S&P 500, or are you happy with the % split as it is now? Keeping NASDAQ at 35% for example. Thanks.
Oh, that. No intention to put everything in S&P 500.
I was thinking that maybe it is worth considering to move ISA to invest engine. So far as I know they don't charge fees for ISA, but only for SIPP.
Yes, I've been thinking about it for a while now and spoke about it in my previous updates. Guess I'm still not ready for the temporary upheaval;)
I hope one day it’s all in vhvg or veve. It’s all highly correlated, why not keep it simple ?
Hope dies last;)
Tip: When I have a holding that is in the red and I want to sell, I don't always wait for it to turn green, instead I just wait for the loss to be as little as I'm willing to accept and sell it. So in your example, I'd wait for it to get to -100 and sell, take the small hit to free up that cash and reinvest it. If I have to I'd rather make up for that -100 loss out of my salary, just so I can put that money to better use sooner.
Great tip! Thank you for sharing!
@@OneAndOnlyMe I think that's only applicable if one wants to be super safe. There are sectors which would not profit anytime soon and burn money until the demand is peaked, e.g. energy sector, quantum computing etc. The same happened with semiconductors and others.
Legend
Pani Marto, chętnie umówiłbym się z Panią na kawę żeby pomówić o inwestowaniu :)
Bardzo mi milo i uznam to za komplement.
I think you should get down to just 1 fund in vanguard. Do you really need 5 funds?
I think you should scroll down the comments as you're not the first person with this suggestion.
Looking Devine Marta!
Thank you.
You’re all over the place doing this by yourself. Holding on to losers hoping for some sunny days in your EM funds. You shouldn’t need income for another few decades so why bother with these . It’s difficult doing this on your own as individuals tend to make a lot of emotional buys and trade a lot.
Wow, you really invested in byond meat? LOL