I currently have 75% SCHD and 25% SCHG Roth IRA. Brokerage account is 35% SCHD, 40% VOO, 25% VUG, I also own individual stocks! Just crossed the ~$1m mark from an initial 210k startup in 2022. I am 44 and have about six years until retirement..
Hey mate! I've recently opened a Vanguard account and it's my first foray into investing. I've started with a modest amount, committing 20% of my monthly salary It's a bit daunting as I'm not sure of the next steps.
Congratulations!! I lost a lot chasing individual stocks and I feel pretty silly for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market.
Nice. I'm doing some research on VOO and SCHD now, pretty solid ETFs and the overlap is so low when paired together. Congrats on nearing retirement. 3 years will fly... unless of course you hate your job lol...
Love my job. 30 years as a mechanic for a Major Airline. Great company match on the 401k. Just wish I knew about investing earlier, my biggest regret is that I started so late. But still with a good CFA I am doing great. It's a nice hands-off way to approach it. *Lina Dineikiene* manages my funds and she has a great team. Her recommendations and market entry and exit points has been quite spot on so far
Love it, goes to show how easy investing is and with Vanguard funds, it could not get simpler.. VTI and VTSAX are my go to Vanguard funds as well as a smaller position with VYM!
S&P 500 = 45% Ftse 100 = 10% Ftse developed = 8% MSCI World = 10% UK property = 6% US real estate = 7% S&P Health Care = 2% NASDAQ 100 = 6% Glencore Commodities = 6% Does this sound good to you?
This year is a real stinger for sure, one fund down about 36% after a very large correction. That one will be held for a bit longer than expected over the next few years!
@mattbrighton would you reccomend adding funds per month to a s+s ISA with the fees in mind, or saving a few hundred over a couple months and adding a bigger bulk a few times per year?
Nice video. Would you advise sticking your finds into one type of fund, or spread across a few, such as some £££ in life strategy, some in S&P500, some in another etc ?
Funds often are incredibly diversified as they are so it's totally up you. You'd also find if spreading your money across life strategy and S&P500 that both end up investing in the same companies anyway just with different %'s.
Mine is split across the Fidelity Global Technology fund which has fuelled most of the growth. S&P500 did well last year at 30% and Baillie Gifford American Fund which surged last year (It's having a bad year at the moment after a large correction)
@@MattBrighton Hey looking to invest into the FGT. I’ve signed up and need to open an account. Is it. Stocks and Shares ISA Or Self-invested personal pension (SIPP) ?
Thank you for this video I’ve been really researching how to invest in stocks for a while, one question though: Why would someone choose to go with a wealth management fund (actively managed by a manager) and pay fees, instead of just investing in an index fund with less fees and healthy returns ? Most actively managed funds don’t beat the market performance either based on my understanding !
Just a quick question, if I am a consistent investor.. wouldn't investing monthly will cause my "average open" to be higher, thus, profiting lesser? Do you have any tips for beginners like me who wants to invest consistently?
I'd highly recommend 'cost averaging' and just putting money away on a regular basis, a lot of people do it, that way you'll buy into some dips, some peaks and overall it averages out. I don't have it to hand but have seen some studies where they forecasted if you lump sum at the beginning, versus cost averaging over a year using past performance and the person who cost averaged ended up better. I do that now - my savings are regularly invested into my index funds every month
If you sell within trading hours it can usually be same day, if you executed a sale on a weekend you'd have to wait until Monday for the markets to open again, then might take a bit of extra time to withdraw from Vanguard to your actual bank account
They've recently released a new range called SustainableLife that's an active ESG version of the Lifestrategy funds which is interesting. I feel like the 20% equity follows the global investment grade bond index too much and the 100% equity is an underperforming and expensive version of an All World/All Cap index!
Last year was good. This year not so much - probably one of my lowest years in 4 - 5 years, that being said it's only March... could still have an ok year
You can do this through vanguard, fidelity, 212 and freetrade and others, you can invest directly into US ETFs on U.K. funds that have the same composition of the Us ETFs which is normally cheaper as they you don’t pay a FX fee
@@oiTzGamingx how interesting. I use Interactive Brokers and love them. But Europe as a law which prevents retail investors investing in ETFs which don’t meet their KIID rules. Not sure how any platform gets around that. I invested in CSPX which is the LSE SPX. I don’t know the equivalent to others, especially the high yield LSE ones for US.
@@zepho100 not sure haven’t heard of that, I’m in the U.K. and thought I was investing in ETFs at least 🤣 I got vid talking about S&P 500 ETFs that might clarify
Any reason why you believe the market has underpriced the US big tech majors? Stock outperformance is not about absolute growth (a very common fallacy but that's already priced in), it's about performwnce exceeding everyone's expectations.
You’d do well in those funds. I see the market has gone back up this week after a dip for the first few months of the year. The money I put into vanguard is up 6% already which is nice
@@ΕΡΙΟΝΜΕΜΑ then you don't need to worry based on your investments. Historically you're guaranteed to not lose your money if you hold it for over 20 years. Meaning you could buy at the top of the market and still make money.
Another great video Matt. I've always used Vanguard and have been investing every month into their lifestrategy100 for a few years now. The returns are pretty good but I've not looked into Fidelity before, they seem to give really good returns. I will definitely be looking into them next 👍
Fidelity have more funds + higher returning ones for sure. Have used them for many years now! that being said I've been lucky with vanguard, I'm 6% up after about 2 weeks, not too bad haha. The whole market has gone up a bit this week after the dip at the start of the year so nice to see it performing again
@Matt Brighton it's that temptation to keep checking when you first invest in a new fund lol. With my vanguard I'm sticking to set it and forget it. I check it once a year and always have a nice surprise. I know if I checked it too often it would make it more difficult to sleep at night, especially with the dips in the market lol
Investing Apps I use 👉 InvestEngine > go.mattbrighton.co.uk/investengine (Sign up, Invest £100 and get a £25 bonus) 👉 Crypto .com crypto.com/app/syk95b68c2 (Sign up & verify and get $25)
After researching the history of great assets such as real estate, dividend-paying stocks, gold, oil, and other commodities, I've come to the conclusion that most excellent assets to invest is cryptocurrency. < I spent the first six months last year investing in ETFs and Index funds the profits i made is not up to a quarter of the profits(13 BTC) i made tradiing cryptocurrency by implementing strategy and signals from a professional tradder Peter Blake.
He was my broker when i was into stock trading a very intelligent man, he helped and guided me into crypto trading as well and since my first trade he has been delivering me with accurate trade signals.
@@FleetingDream755 He is a professional trader who use a risk management strategy when trading with hard stop losses and clear targets of when to take your profits, he is a true expert when it comes to trading highly recommended.
🤦♂️ I think you mean purchased using a mortgage. When you get a mortgage, your name still goes on the land registry as the owner. The bank merely put a security charge on it in case they need to get their money back if you don't repay the loan.
I currently have 75% SCHD and 25% SCHG Roth IRA. Brokerage account is 35% SCHD, 40% VOO, 25% VUG, I also own individual stocks! Just crossed the ~$1m mark from an initial 210k startup in 2022. I am 44 and have about six years until retirement..
Hey mate! I've recently opened a Vanguard account and it's my first foray into investing. I've started with a modest amount, committing 20% of my monthly salary It's a bit daunting as I'm not sure of the next steps.
Congratulations!! I lost a lot chasing individual stocks and I feel pretty silly for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market.
Great Portfolio Awesome Im going to borrow some of these for my portfolio!!!
Nice. I'm doing some research on VOO and SCHD now, pretty solid ETFs and the overlap is so low when paired together. Congrats on nearing retirement. 3 years will fly... unless of course you hate your job lol...
Love my job. 30 years as a mechanic for a Major Airline. Great company match on the 401k. Just wish I knew about investing earlier, my biggest regret is that I started so late. But still with a good CFA I am doing great. It's a nice hands-off way to approach it. *Lina Dineikiene* manages my funds and she has a great team. Her recommendations and market entry and exit points has been quite spot on so far
How much was your initial investment to get it up to 122K? In other words, how much did you start with and how many years ago?
Love it, goes to show how easy investing is and with Vanguard funds, it could not get simpler.. VTI and VTSAX are my go to Vanguard funds as well as a smaller position with VYM!
Very easy, love it! Compared to how investing used to be years ago - love that tech has really improved the experience and made it easy and not scary!
would you prefer fidelity for s&s isa over vanguard??
S&P 500 = 45%
Ftse 100 = 10%
Ftse developed = 8%
MSCI World = 10%
UK property = 6%
US real estate = 7%
S&P Health Care = 2%
NASDAQ 100 = 6%
Glencore Commodities = 6%
Does this sound good to you?
Nicely diversified!
The law of averages will soon kick in on that average of 30%.. impressive results but be cautious of those high risk tech indexes.
This year is a real stinger for sure, one fund down about 36% after a very large correction. That one will be held for a bit longer than expected over the next few years!
@@MattBrighton did you yolo options in Tesla? 😊
@@zepho100 I did put £300 onto Tesla a few years ago. Up about 400%.
@@MattBrighton that’s one way to do it! Grab your mums pension fund and options options options. Jokes aside, well done.
Hi @matt, thanks for the video. which one is better, Hargreaves Lansdown or Vanguard? HL can buy stocks as well as indexes.
You may also want to consider interactive investor as they have very low platform fees.
+30% is pretty nuts. Good work mate!
@mattbrighton would you reccomend adding funds per month to a s+s ISA with the fees in mind, or saving a few hundred over a couple months and adding a bigger bulk a few times per year?
Get it in as soon as possible, you need to let the compounding do it's work.
Nice video. Would you advise sticking your finds into one type of fund, or spread across a few, such as some £££ in life strategy, some in S&P500, some in another etc ?
Funds often are incredibly diversified as they are so it's totally up you. You'd also find if spreading your money across life strategy and S&P500 that both end up investing in the same companies anyway just with different %'s.
My man. Thanks
30%
S&P 500 is around 7/8% per anum no?
Mine is split across the Fidelity Global Technology fund which has fuelled most of the growth. S&P500 did well last year at 30% and Baillie Gifford American Fund which surged last year (It's having a bad year at the moment after a large correction)
@@MattBrighton hmm calling bs on 30% still. Sorry.
@@paulearl8203 Fidelity Global Technolgy fund has averaged around 25% per annum over the last 5 years
@@MattBrighton
Hey looking to invest into the FGT. I’ve signed up and need to open an account. Is it. Stocks and Shares ISA
Or
Self-invested personal pension (SIPP)
?
@@MattBrighton where can you buy fidelity global tech fund pls? Can't see it on Vanguard or Invest Engine
Thank you for this video I’ve been really researching how to invest in stocks for a while, one question though:
Why would someone choose to go with a wealth management fund (actively managed by a manager) and pay fees, instead of just investing in an index fund with less fees and healthy returns ?
Most actively managed funds don’t beat the market performance either based on my understanding !
Just a quick question, if I am a consistent investor.. wouldn't investing monthly will cause my "average open" to be higher, thus, profiting lesser?
Do you have any tips for beginners like me who wants to invest consistently?
I'd highly recommend 'cost averaging' and just putting money away on a regular basis, a lot of people do it, that way you'll buy into some dips, some peaks and overall it averages out. I don't have it to hand but have seen some studies where they forecasted if you lump sum at the beginning, versus cost averaging over a year using past performance and the person who cost averaged ended up better.
I do that now - my savings are regularly invested into my index funds every month
Thank you for your video very useful, how quickly can you withdraw if you need to? Thanks
If you sell within trading hours it can usually be same day, if you executed a sale on a weekend you'd have to wait until Monday for the markets to open again, then might take a bit of extra time to withdraw from Vanguard to your actual bank account
@@MattBrighton finally made a vanguard account after putting off for about 2 years thanks for your videos
They've recently released a new range called SustainableLife that's an active ESG version of the Lifestrategy funds which is interesting. I feel like the 20% equity follows the global investment grade bond index too much and the 100% equity is an underperforming and expensive version of an All World/All Cap index!
I did have a quick glance at them! Need to have a deeper look for sure. Agree that the 100% equity is underperforming for what it could be doing
30% return? stop the cap.
Last year was good. This year not so much - probably one of my lowest years in 4 - 5 years, that being said it's only March... could still have an ok year
@@MattBrighton so you're basing an annualised 30% on having one year at 30%? Stop talking rubbish please.
good video to be honest. I invest in sp500 esg fund.
Good fund to be in!
How are you investing in US ETFs from the UK? I’m not able to do this as a retail investor.
You can do this through vanguard, fidelity, 212 and freetrade and others, you can invest directly into US ETFs on U.K. funds that have the same composition of the Us ETFs which is normally cheaper as they you don’t pay a FX fee
@@oiTzGamingx how interesting. I use Interactive Brokers and love them. But Europe as a law which prevents retail investors investing in ETFs which don’t meet their KIID rules. Not sure how any platform gets around that. I invested in CSPX which is the LSE SPX. I don’t know the equivalent to others, especially the high yield LSE ones for US.
@@zepho100 not sure haven’t heard of that, I’m in the U.K. and thought I was investing in ETFs at least 🤣 I got vid talking about S&P 500 ETFs that might clarify
Any reason why you believe the market has underpriced the US big tech majors? Stock outperformance is not about absolute growth (a very common fallacy but that's already priced in), it's about performwnce exceeding everyone's expectations.
dont listen to the bad comments bruv ,keep it real, keep it sweet
Title is all wrong - this a video about How vanguard works? Thought this is a detailed view of your portfolio?
Changed :)
Long term investment am 22 and about to lump up .......VWCE (50%) SPDR SP500 Technology (50%).Would you think getting even aggressive risk ?
You’d do well in those funds. I see the market has gone back up this week after a dip for the first few months of the year. The money I put into vanguard is up 6% already which is nice
@@MattBrighton last question , should it scare me that they have low volume?
@@ΕΡΙΟΝΜΕΜΑ it's an irrelevant question if you plan to hold your money in there for 20 years plus.
@@cameronmilne359030- 40 years
@@ΕΡΙΟΝΜΕΜΑ then you don't need to worry based on your investments. Historically you're guaranteed to not lose your money if you hold it for over 20 years. Meaning you could buy at the top of the market and still make money.
Another great video Matt. I've always used Vanguard and have been investing every month into their lifestrategy100 for a few years now. The returns are pretty good but I've not looked into Fidelity before, they seem to give really good returns. I will definitely be looking into them next 👍
Fidelity have more funds + higher returning ones for sure. Have used them for many years now! that being said I've been lucky with vanguard, I'm 6% up after about 2 weeks, not too bad haha. The whole market has gone up a bit this week after the dip at the start of the year so nice to see it performing again
@Matt Brighton it's that temptation to keep checking when you first invest in a new fund lol. With my vanguard I'm sticking to set it and forget it. I check it once a year and always have a nice surprise. I know if I checked it too often it would make it more difficult to sleep at night, especially with the dips in the market lol
Review AMOM AND ERTH and monthly dividend paying etfs too
The problem with Vanguard UK is that there is no Gov Bond only fund so if the cr*ap hits the fan there is nowhere on the Vanguard platform to hide
Investing Apps I use
👉 InvestEngine > go.mattbrighton.co.uk/investengine (Sign up, Invest £100 and get a £25 bonus)
👉 Crypto .com crypto.com/app/syk95b68c2 (Sign up & verify and get $25)
Yes
VUAG for me.
Us equity index fund
Hey Matt, I love your voice and how you explain things. Thank you. Xxx
Super !!
Very good thanks Matt. may have to watch a few times. For a Beginners Guide you do talk very quickly .. Just saying. 😉
You should do a video showing your full portfolio
It's on the cards! :D
Brilliant
:D
Just a side not. Funny how we invest in companies that screw up this world, but give you some dollar for it.
30% return is BS
I bet it ain't worth £122k now - the smart money is already out of the SP500.
About £117k when I last checked, slow year
30% a year, yeah right mate 🤣🤣
After researching the history of great assets such as real estate, dividend-paying stocks, gold, oil, and other commodities, I've come to the conclusion that most excellent assets to invest is cryptocurrency. < I spent the first six months last year investing in ETFs and Index funds the profits i made is not up to a quarter of the profits(13 BTC) i made tradiing cryptocurrency by implementing strategy and signals from a professional tradder Peter Blake.
His Te-le-gr am ( @peterblaketrades )
He was my broker when i was into stock trading a very intelligent man, he helped and guided me into crypto trading as well and since my first trade he has been delivering me with accurate trade signals.
Peter Blake is awesome! My first trade was a success and he was very patient and helpful in walking me through each step.
Are all replies here bots or paid ads?
@@FleetingDream755 He is a professional trader who use a risk management strategy when trading with hard stop losses and clear targets of when to take your profits, he is a true expert when it comes to trading highly recommended.
15 minutes of my life I’ll never get back.
You haven't purchased a flat. You have a mortgage.
🤦♂️ I think you mean purchased using a mortgage. When you get a mortgage, your name still goes on the land registry as the owner. The bank merely put a security charge on it in case they need to get their money back if you don't repay the loan.
WTF WITH ALL THESE ADS
Are you going to get married and have children. Everything will change? Children costs!
Terrible advice not investing in bitcoin lol
How are you investing in US ETFs from the UK? I’m not able to do this as a retail investor.