Always look forward to your videos, I’ve been trying to get my friends to invest and this is the perfect video to explain why. Keep up the good work 👏🏾👊🏾
Hi Toby, new fan here and because of you I even opened up my first stocks and shares ISA. I have a question as I dont want to avail workplace pension as I am not certain to even be alive until I am 67yrs old as thats what the age at the moment for you to get your pension. Anyways would you suggest that I invest it on Stocks and Shares, I am investing on the index funds you suggested too or would you suggest I open a personal pension too? Thanks Toby♥️ God bless and hope you create more videos for beginners like me. 😊
Thanks for the kind words. Firstly a workplace pension is available much sooner than 67. Don't get confused with the state pension age. Private pensions are available aged 55 now (rising to 57 in 2028). The ISA is much more flexible, but private pensions have great tax benefits. I love both of them, but the ISA gives you more flexibility if you do ever want to take money out sooner :)
A theme I hear ALL the time from people who got into investing is "I wish I knew about all this when I was younger" because they would be so much richer. This is so true, it should be taught at school before we set off into the adult world of working and earning, instead of something like Latin, lol. Isn't that supposed to be one of the main purposes of school, to prepare you for later life?
Maybe but parents should teach how to take care of finance I believe. My parents did for me and I will for my daughter. She's already invested 3month old. Time is our greatest asset after all.
Think yourself lucky. Think about it, IF everybody invested instead of ‘consuming’ then that wouldn’t be good for the overall stock market. On the other side of the coin can you imagine teaching kids about investing 😂 and even if they did listen it’s likely going to be a very long time until they can apply it in any meaningful way, I was broke until I was in my mid 20s and even then I was focusing on my career. I think it’s up to the parents to educate their kids it would be a complete waste of time in school.
Great advice Toby, exactly right I for sure as always will be buying into my T212 everyday for the next month to get an average, the Sale is on people.. for people not so sure about shares, just invest into an etf, buy the whole market.., Thank me later 😊
Sell sell sell…..no, wait, I mean buy buy buy. See - pay no attention to idiots on t’internet. 😀 Toby would say, Time in the Market - not timing the Market. Just keep buying it until you need it.
Early enough to a video to see all the finance bots and scammers in the comments...anyways great video as always Toby! been watching your videos since October last year which finally got me started on my investment journey!
Time in the market is always the key point, but what if you haven't got the time left? If like me your well into retirement (I'm 70,) this whole concept falls down especially if we have a black Monday in the markets which is becoming more likely with this government. Of course it depends on personal circumstances you will say, but at a senior citizens age, little apples (cash ISA) may well be the safer choice.. It would be nice if more videos are designed around investments for us oldies rather than geared for younger people with decades ahead of them! Well, just saying we are not all young..
I don't think videos about starting your investing journey are really for folks in their 70's. Though I started at 59 (2 years ago), have been through one crash and have made 10k
Long term investing is considered > 5-10 years. If you need the money - you would be unwise to invest it. If you don’t but want to leave it for others, then invest it still. TBH, I think you should be concentrating on spending it - and leave with zero!
Great for young and gradual, but what about putting 100k in when already retired so no long term, and need to withdraw to live off? It's a much trickier game. Buying after a crash would be a lot safer as the downside is built in from the start. 4 or 5% from safe money market accounts whilst waiting for buying opportunities has advantages.
@Desmond.TuTu. yes, I know. My point was just that anyone not planning for the long term and wanting access to funds at any time has to take into account the potential for loss in a crash. The stock market is much riskier for retirees, making lower returning, but steadier, accounts more attractive.
Very useful and practical content as always! Thank you 😊 You've prompted me to go and check out the fees im currently working with👍🏾☺️... ...once i get off the loo 😂😂😅
S&S ISA is the way forward. The younger the better. As warren buffet said, it’s not timing the market, it’s time in the market. Simply just choose some broad funds and diverse portfolio. Make regular contributions and watch it grow. Banks and building societies is the biggest scam going and with inflation you are guaranteed to lose value.
Great video toby , you can’t put it any simpler to anybody thinking of starting there investment journey, I’m for one who wishes I’d have started years ago
If a downturn is impending or happens does it make sense to then change the mix of funds, eg I've currently got all my S&S ISA in the Vanguard 100% Life Strategy Equity fund. Would it make sense to switch some to 80% or 60% etc? And then switch back once the market is back on track?
I'm happy that in Luxembourg, as long as i keep a trade open for 6 months or longer, i don't need to pay capital gains tax without a limit of how much i put into investing per year
You'll still need to be invested if you're retired :) - unless you think you're not going to live very long. If you're retired for 30+ years that's a lot of investing that needs to happen (but I'd also have about 3 years worth of cash in high interest/ money market)
@@TobyNewbattthanks I’ve a cash buffer as well but wife is bugging me to sell up put it all in a high interest account then reinvest if/whec SM crashes
@@garywilliams9810 If anyone knew when the stock market was going to crash we'd be billionaires :) Just got to balance short term living life money with future investments - totally up to you how you want to split that :) - don't forget to enjoy today as well.
I'm really interested in seeing what T212's SIPP is gonna be like, I have stocks ISA with them at moment but would be great to also have a SIPP with them.
Can you do a video comparing the outcome in 30yrs time for those planning to expact who will have to put a lump sum in a S&S ISA this year? Expats are not able to invest monthly following the DCA (dollar cost averaging) strategy that you suggest. Hence, will it still be the best time for investing for them? (Even if they plan to pick the fruits in 30 yrs time) Anyway, Great video as Always Toby!
Yes that's on purpose :) - I specifically said in December that I am focussing on beginners for January. It's the largest audience, most people in the UK don't invest anything
@@TobyNewbattjudging by almost 20000 viewers in 12 hours, I say the target of beginners is spot on. Toby, love your channel, if you are looking for new ideas for new videos, could you do a case study video, for people in my group ( 40's, middle class, want to retire like yesterday but never realised retirement needs to be planned financially). So could you do a video to help people like me on what to start, how to start, what to have in a portfolio ( like % for ISA, SIPP etc)... How much to invest per month to get a maximum return 10 years or even 20 years)... MASSIVE THANK YOU!!
It depends. Personally, I am holding off putting in more money for a month or so. If you are going to invest 50k in one go then be cautious and maybe just dollar cost average using say 10% of your total cash each month? With DCA, you can always buy less in a month when the share price is peaking and double when the share price has dipped.
I would be interested in a video on this topic, as so much of personal finance is assuming you have an income that you are willing to squirrel away some of for a future in 30-40 years. I suspect saving but for Bonds may be the way to go, due to their lower volatility, but I am most definitely not a financial expert!
I started 2 months ago I’m nearly 60 Im ploughing as much as I can now into the S&P 500 .. it s staggering to me how iv told my work colleagues.. about investing the young can’t be bothered.. madness.. and the older ones some haven’t even got online banking.. yes I wish I started sooner keep on keeping on. 👍
I'd recommend reading some books before investing everything into the S&P 500. Believe it or not even the legendary S&P 500 is a risky buy right now. All the notorious investors are selling right now.
@ Yes there has been talk of a drop … but I appreciate the advice iv seen so many videos on the S&P 500 including warren buffet who is the king of it .. I’m not silly enough to put all my eggs in I’m hoping for a return to top up my pension..
@gagsy100 Warren Buffet is currently selling! Be patient and wait for opportunities to present themself to you. In "the intelligent investor" the book written by Buffets mentor they advise to never invest if the P/E is above 20. The S&P currently has a P/E of 27...
I’m new to investing, I was happy investing into ETFs until I heard about Mutual funds. I’m now confused because they have the potential to give you I higher return on your investment but I know they cost more as they’re actively managed. Dave Ramsey swears by them and I’ve been doing his baby steps which has helped me a lot as I wasn’t great with saving and just spending to make myself happy. I’m a UK investor and mutual funds just seem more of a headache but will it be worth it in the long? Also they’re not as easy to find compared to ETFs. Just don’t want to be one of them people that gets too overwhelmed and ends up just giving up.
Not many fund managers beat the market, sure there’s a few who do but generally I think the sound advice is stick with a tracker fund, all world ETF, good luck investing
I think if you day trade you might lose your shirt but if you invest £ cost average in you will have something the only thing that matters is whats the value when you realise your asset or readjust the growth orientated ETFs to take income and drawdown. Toby is quite unlucky that scammers start comment threads promoting investment "gurus" and bitcoin etc but anyone with a modicum of common sense just reports tgem as spam.
Yes agreed that Day Trading can be dangerous for most, only 1 in 4 seem to keep profitable after just one year. I did experience losing almost 50% of my profits from the first 3 weeks of day trading in just 15 minutes after some poor economic data was released and I just froze. However 2 years later during the 2008 financial crisis I did really well (my risk management was much better after the 2 years experience) Shorting the indices was really profitable then and always closed or adjusted my stops and limits before end of day. After having grown my whole long term portfolio to a good amount I see no harm in risking less than 10% of that on shorter term trading as long as it is money that you are not going to cry over if trades go the wrong way continuously. I did shift from day trading to swing trading as it is not so volatile and better for my blood pressure... For a lot of people though as you mention the PCA/DCA is easier on the nerves and wallet
Hi, I hope you can answer this question. Why do you need to provide NIN to 212 when opening stocks ISA? I tought it is tax free. Is it going to affect anything like income, benefits or savings? Do you have any video on this subject? Thank you.
As below it’s for proof of UK status and also it’s tied to your ISA allowances. If you end up trying to put in 100k across multiple accounts then there is that record
@@TobyNewbatt thank you for your prompt reply Toby. Although I don't think I will ever get to 100k 😂🤣 in case I would, does that mean I would be taxed?
Wrong. Best time to start investing was BANG IN THE MIDDLE OF MARCH 2020. So if you went out with a mask on your face to a local to get TOILET PAPER and HAND SANITIZERS (that was sold out anyway), you did opposite to what you should have done. (sadly including myself) 😥😥😥
You’re misunderstanding and misquoting anything I’ve ever said. If you invest what you have available every month then you are doing both a lump sum and getting a DCA price. 😎
Would this still apply when starting with a lump sum. Im looking at index fund long term but buying at an all time high seems a bit wrong. What are your thoughts?
I think over time the evidence is in favour of the lump sum will win out, but hard to stomach if there’s a crash or correction in the market, good luck, your in a good position to have a lump sum
Agreed it’s a tough one to call, I think the saying goes it’s time in the market not timing the market, you could always put half in and DCA the rest, might make it easier for you to swallow if it does crash. Good luck
Logic/maths error 1: having a crash at the beginning doesn't mean you won't have another crash towards the end or in the middle. They're two independent events. Logic/maths error 2: crash at the beginning is no better than crash at end of your investing a large sum or a constant sum because gains are multiplicative: Starting amount * (0.5) * 1.07^20 Which is crash at beginning, is the same as crash at end: Starting amount * 1.07^20 * (0.5)
@jacksimpson6057 no he's assuming the opposite which isn't true for people wanting to know where to save a large amount of money, he's also assuming it's not a regular fixed saving. And the larger point is it doesn't impact the probability of having a crash at the end. That's like saying I hope I get mugged today because I'd rather be mugged when I'm young than when I'm old. Makes no sense
@@rickymort135 your calculation doesn’t account for someone investing every month, the guy in the video did assume that people would be investing every month.
@@rickymort135 he was not talking about someone with one lump sum wanting to invest it all and leave it, he was talking about somebody starting investing and then continuing regularly.
@@rickymort135 stock markets tend to rebound, so if you extrapolate from historical charts and think that stocks are likely to be at (for example) 500 in 20 years time and they are at 100 now, you’d rather have a crash or correction at the start of your investing because you’d be able to buy a couple shares at 100, watch the market crash and then buy 4 shares at 50 with the same investment.
But what Toby said only applies to dollar cost averaging investing. Lump sum investing is a different matter. Investing a lump sum just before a market crash will hurt a LOT!
@@steve6375back testing has shown it’s still better to lump it in in almost all cases. You could be very unlucky but it’s unlikely. At worst drip it in over 12 months if it’s a lot.
@@steve6375 It'll only hurt if you sell it while it's at a loss, otherwise it is actually advantageous to lump sum invest. Over the long term the lump sum will almost certainly increase in value, just like the DCA will. What you are talking about is just the psychological effect of seeing your lump sum fall in value, ignore and stay the course.
If i am inveating only say £100 - £150 per month would it be smater ti only invest in say an index fund like @ S&P500 or split it between that and say dividend stocks ? Any information would be much appreciated 🙏
The S&P 500 has plenty of stocks that pay a dividend. Any dividends are just one part of your total retunr they aren't free money I've done videos on this topic worth covering :)
Please stop saying you do not pay tax if you buy shares within a stocks and shares ISA. I fell for this only to find out stamp duty is still being charged for UK shares. No stamp duty for many ETFs but why are UK companies penalised?
You don't pay any tax on your returns/ profits/ gains/ dividends. You can't do anything about stamp duty tax on UK shares nor can you do anything about whitholding tax from US dividends. Neither of those things change anything I've said :)
I don't understand why NOW like now January 2025 is the best time to start? What if I had started last year or I start a few months later This video could have as well been made next year or last year or any time.
I'd argue this is more timing the market as there is an opportunity cost of having money sat doing nothing. Unless you are literally paid daily, then I'd be choosing a more sensible deposit schedule tbh. But you can do however you want as long as the platform allows.
This year I have experienced more gains than losses in the crypto/stock market, thanks to some knowledge I acquired from my financial advisor. I have managed to flip the market
I totally understand, i have seen this too but before working with anyone you need to do your research, possibly meet them in person, my financial adviser is Gabriel Alberto William , he is not just a broker, he is a financial adviser that gives advice on any financial matters not just on stocks or crypto
I’m really focused on performing well in the stock market in 2025. I have about $120,000 in a 401(k) that I’ve been neglecting, and now I want to make sure it’s properly invested. I’m looking for guidance on how to best manage this money, especially since I haven’t been contributing to it recently.
Track the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs is likely to outperform most investors during this bull run. Always make sure to work with a knowledgeable financlal expert when you're starting out to avoid potential losses.
Follow the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs will likely outperform most investors in this bull run. Remember to always work with a knowledgeable person in the financial market when starting out to avoid getting burnt.
Lauren Christine Campbell is the advisr I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
For the past 5 years?? I was told by a colleague more than 20 years ago that the stock market was about to crash. ;-) I’m fairly confident people have been saying this since the stock market came into existence.
This time last year some so called experts were saying sell, go away and come back later to avoid the imminent crash. The markets then had one of the best ever years!
This is all well and good advice. HOWEVER, I am 69 years old and have health issues so my opinion is that this advice is dangerous for me and my wife. I potentially don’t know how long I have left to live so for me investing in stocks and shares is more risky than using savings accounts. ISA accounts are improving and as you said they are tax free, but the interest paid on them is normally lower than the highest flexible savings account. Even after tax. So you current age and health status should always be considered as part of your investment ideas. Currently we also have a Labour Chancellor who is actively attacking the pensioners and savers.
@@OGillo2001 I have progressive adhesive Arachnoiditis and daily pain and using morphine patches so you’re 100% right - I have about 10 year at the absolute best insurance actuarial estimates. Ce la Mort!! 🤣🤣
@@glennwhitlock1272 yep really. However there are people who are much worse off than me. Those people who thought that the State Pension would be enough for them. This was refuted by Thatcher government , who suggested the we get on our bikes to find work and have a pension to top up the then struggling state pension fund in 1973/4. Unfortunately being knocked off your bike by a drug driver and then having a poisonous xray contrast called Myodil pumped into you as an epidural did not help. The NHS always refused to accept that this caused the spinal nerve damage and never compensated and did not provide state benefits to patients, so we had to work and just swallow handfuls of strong pills - which in turn stopped insurance coverage for any mortgages at a low rate. MRI proved that there was an issue with Myodil but not until 1989. So yeah really !!! Now I get 50% PIP, but so much daily pain for my 39 years unbroken working service and planning retirement for 2016?when I turned 60. Now at 69 (in Feb) I am still walking like a 100 year old guy. Also memo your State Pension is classified as a non means tested “benefit”, so any future government could change it to means tested or just withdraw it. Look out for your own future as no politician ever will. Invest when your young as the video recommends 👍🤷♂️😀
Very good point about experiencing a crash early rather than later on in your journey 😊
The Censored Guide to Wealth is like a hidden treasure I can’t believe it’s not more popular
Always look forward to your videos, I’ve been trying to get my friends to invest and this is the perfect video to explain why. Keep up the good work 👏🏾👊🏾
Great video Toby. You're genuine. One of the good guys 👍🏻
Thanks again mate. 😊
On the loo crew here 🚽😂
Wash your hands please!
😂🫡@@TobyNewbatt
Hi Toby, new fan here and because of you I even opened up my first stocks and shares ISA. I have a question as I dont want to avail workplace pension as I am not certain to even be alive until I am 67yrs old as thats what the age at the moment for you to get your pension. Anyways would you suggest that I invest it on Stocks and Shares, I am investing on the index funds you suggested too or would you suggest I open a personal pension too? Thanks Toby♥️ God bless and hope you create more videos for beginners like me. 😊
Thanks for the kind words. Firstly a workplace pension is available much sooner than 67. Don't get confused with the state pension age. Private pensions are available aged 55 now (rising to 57 in 2028). The ISA is much more flexible, but private pensions have great tax benefits. I love both of them, but the ISA gives you more flexibility if you do ever want to take money out sooner :)
A theme I hear ALL the time from people who got into investing is "I wish I knew about all this when I was younger" because they would be so much richer. This is so true, it should be taught at school before we set off into the adult world of working and earning, instead of something like Latin, lol. Isn't that supposed to be one of the main purposes of school, to prepare you for later life?
Word 👊🏾
Maybe but parents should teach how to take care of finance I believe. My parents did for me and I will for my daughter. She's already invested 3month old. Time is our greatest asset after all.
@ That’s assuming that parents already know about finance, and if they don’t, then what do you propose?
Think yourself lucky. Think about it, IF everybody invested instead of ‘consuming’ then that wouldn’t be good for the overall stock market. On the other side of the coin can you imagine teaching kids about investing 😂 and even if they did listen it’s likely going to be a very long time until they can apply it in any meaningful way, I was broke until I was in my mid 20s and even then I was focusing on my career. I think it’s up to the parents to educate their kids it would be a complete waste of time in school.
It’s a marathon, not a sprint. :)
I've just told a mate of mine about stocks and shares isa. Mines made £5,000 in just under 2 years, all tax free. He was surprised 😮
Past performance is no guide for future returns but well done on the 5k :)
@minimad8793 of course not. But its a fair indicator of what can been done in a favourable market
You haven’t made any profit unless you cash it in a realise it?
Great advice Toby, exactly right I for sure as always will be buying into my T212 everyday for the next month to get an average, the Sale is on people.. for people not so sure about shares, just invest into an etf, buy the whole market.., Thank me later 😊
There a large numbers of people who are retired with money in the bank,it seems that your website is not for them.
I've got a st James place stocks and shares should I be moving it??? Polaris 3 fund.
seeing a lot of videos on YT about how the dollar is going tits up and the stock markets are going to crash dont know what to do .
You'll find videos like this every day forever until the end of time - they feed on your fear it's just classic doomer content
Sell sell sell…..no, wait, I mean buy buy buy. See - pay no attention to idiots on t’internet. 😀
Toby would say, Time in the Market - not timing the Market. Just keep buying it until you need it.
Early enough to a video to see all the finance bots and scammers in the comments...anyways great video as always Toby! been watching your videos since October last year which finally got me started on my investment journey!
Time in the market is always the key point, but what if you haven't got the time left? If like me your well into retirement (I'm 70,) this whole concept falls down especially if we have a black Monday in the markets which is becoming more likely with this government. Of course it depends on personal circumstances you will say, but at a senior citizens age, little apples (cash ISA) may well be the safer choice.. It would be nice if more videos are designed around investments for us oldies rather than geared for younger people with decades ahead of them! Well, just saying we are not all young..
don't blame a government that has had 6 months in Geoff
@@OGillo2001beat me to it.
I don't think videos about starting your investing journey are really for folks in their 70's. Though I started at 59 (2 years ago), have been through one crash and have made 10k
Long term investing is considered > 5-10 years. If you need the money - you would be unwise to invest it. If you don’t but want to leave it for others, then invest it still. TBH, I think you should be concentrating on spending it - and leave with zero!
Thank you Toby for bringing us premium information.
I started my investment in index funds this month and your videos helped me greatly.
Thank you
Welcome!
Great for young and gradual, but what about putting 100k in when already retired so no long term, and need to withdraw to live off? It's a much trickier game. Buying after a crash would be a lot safer as the downside is built in from the start. 4 or 5% from safe money market accounts whilst waiting for buying opportunities has advantages.
But you don’t know when a crash will happen, could be next week or in 3 years and you’d miss all that greater growth ….. 🤷🏻♂️
@Desmond.TuTu. yes, I know. My point was just that anyone not planning for the long term and wanting access to funds at any time has to take into account the potential for loss in a crash. The stock market is much riskier for retirees, making lower returning, but steadier, accounts more attractive.
What's the best stocks to buy for long term ?
Great video 🔥
You neglect to mention the gov tops up an additional 12k every 48k
I've made over 300 videos on my channel where I talk about things like pension contributions quite a lot :)
@ just saying.
Fantastic video as always Toby
Very useful and practical content as always! Thank you 😊
You've prompted me to go and check out the fees im currently working with👍🏾☺️...
...once i get off the loo 😂😂😅
hahahaha
The best time to set a fruit tree was ten years ago, next best time is today,
👌
S&S ISA is the way forward. The younger the better. As warren buffet said, it’s not timing the market, it’s time in the market. Simply just choose some broad funds and diverse portfolio. Make regular contributions and watch it grow. Banks and building societies is the biggest scam going and with inflation you are guaranteed to lose value.
Automated monthly, with spare cash on the sidelines for the inevitable bargain bucket days. Another straight to the point vid, top job.
Great video toby , you can’t put it any simpler to anybody thinking of starting there investment journey, I’m for one who wishes I’d have started years ago
If a downturn is impending or happens does it make sense to then change the mix of funds, eg I've currently got all my S&S ISA in the Vanguard 100% Life Strategy Equity fund. Would it make sense to switch some to 80% or 60% etc? And then switch back once the market is back on track?
So what you're saying is dont invest a lump sum
First pokemon cards then gold, my journey ends with stocks and shares so simple. Now trying to decide if i should start a Lisa at 39 lol decisions
Toby. - pls make video on GIA investing.
I find diversification key to mitigating risk in my portfolio
BTFD...love it
I'm happy that in Luxembourg, as long as i keep a trade open for 6 months or longer, i don't need to pay capital gains tax without a limit of how much i put into investing per year
excellent video
thanks Dave
@OGillo2001 whos dave ya puts
Well done 👍🏾✅
Another great video
Toby great videos but what are your thoughts if I’m just about to retire. THEN do you think it would be wise to get out of the Stock Markey.
You'll still need to be invested if you're retired :) - unless you think you're not going to live very long. If you're retired for 30+ years that's a lot of investing that needs to happen (but I'd also have about 3 years worth of cash in high interest/ money market)
@@TobyNewbattthanks I’ve a cash buffer as well but wife is bugging me to sell up put it all in a high interest account then reinvest if/whec SM crashes
@@garywilliams9810 If anyone knew when the stock market was going to crash we'd be billionaires :)
Just got to balance short term living life money with future investments - totally up to you how you want to split that :) - don't forget to enjoy today as well.
Congrats on £1.2m pal!
Not quite just yet 🤣
I'm really interested in seeing what T212's SIPP is gonna be like, I have stocks ISA with them at moment but would be great to also have a SIPP with them.
I think they are working on it at the moment. Going to be pretty hard to compete with them if they also get a solid SIPP with no fee
Great video Toby :) Enjoy the rest of the weekend!
Good honest advice
Are you going to do any videos for individual stocks ?
Never say never, but probably not, I think there's way too many important basic topics to cover first :)
Can you do a video comparing the outcome in 30yrs time for those planning to expact who will have to put a lump sum in a S&S ISA this year?
Expats are not able to invest monthly following the DCA (dollar cost averaging) strategy that you suggest.
Hence, will it still be the best time for investing for them? (Even if they plan to pick the fruits in 30 yrs time)
Anyway, Great video as Always Toby!
Great channel but, repetitively, too many videos are aimed at total beginners of late.
Yes that's on purpose :) - I specifically said in December that I am focussing on beginners for January. It's the largest audience, most people in the UK don't invest anything
@@TobyNewbattjudging by almost 20000 viewers in 12 hours, I say the target of beginners is spot on.
Toby, love your channel, if you are looking for new ideas for new videos, could you do a case study video, for people in my group ( 40's, middle class, want to retire like yesterday but never realised retirement needs to be planned financially).
So could you do a video to help people like me on what to start, how to start, what to have in a portfolio ( like % for ISA, SIPP etc)... How much to invest per month to get a maximum return 10 years or even 20 years)... MASSIVE THANK YOU!!
The FTSE seems best to avoid and opt for NYSE.
Great video Toby
Thanks 👍
Im hesitant to invest at the moment. I mainly invest in USA and the £ is weak. What's your thoughts?
He literally just told you in this video. No better time than now as long as you think long term and are not looking for short term gains 👍🏻
Yea in the video a new investor dca over a long time. I could dca and spread the risk but in thinking bigger amounts much bigger
It depends. Personally, I am holding off putting in more money for a month or so. If you are going to invest 50k in one go then be cautious and maybe just dollar cost average using say 10% of your total cash each month? With DCA, you can always buy less in a month when the share price is peaking and double when the share price has dipped.
@@TipsyJohnsyone don't expect any real answer from him.
@Toby - what do you think of the new T212 reporting of MWRR and Deposit stats?
It's awful. Many complaining on their message board and Playstore.
@@tiffenberg I love it - but they should also add TWR, especially on Pies because then we could compare different Pie portfolios.
What if you are 70 and already retired?
You may have left it too late. But if your happy to invest they say its never too late to start😊
I would be interested in a video on this topic, as so much of personal finance is assuming you have an income that you are willing to squirrel away some of for a future in 30-40 years. I suspect saving but for Bonds may be the way to go, due to their lower volatility, but I am most definitely not a financial expert!
Spend whatever you have.
@@johnristheanswer I’m saving for my dear wife who does not have a decent pension
I started 2 months ago I’m nearly 60 Im ploughing as much as I can now into the S&P 500 .. it s staggering to me how iv told my work colleagues.. about investing the young can’t be bothered.. madness.. and the older ones some haven’t even got online banking.. yes I wish I started sooner keep on keeping on. 👍
I'd recommend reading some books before investing everything into the S&P 500. Believe it or not even the legendary S&P 500 is a risky buy right now. All the notorious investors are selling right now.
@
Yes there has been talk of a drop … but I appreciate the advice iv seen so many videos on the S&P 500 including warren buffet who is the king of it .. I’m not silly enough to put all my eggs in I’m hoping for a return to top up my pension..
Finance is boring for the young 'uns (and for others, too) A lot of Brits don't even like talking about money
@gagsy100 Warren Buffet is currently selling! Be patient and wait for opportunities to present themself to you. In "the intelligent investor" the book written by Buffets mentor they advise to never invest if the P/E is above 20. The S&P currently has a P/E of 27...
I’m new to investing, I was happy investing into ETFs until I heard about Mutual funds.
I’m now confused because they have the potential to give you I higher return on your investment but I know they cost more as they’re actively managed. Dave Ramsey swears by them and I’ve been doing his baby steps which has helped me a lot as I wasn’t great with saving and just spending to make myself happy. I’m a UK investor and mutual funds just seem more of a headache but will it be worth it in the long? Also they’re not as easy to find compared to ETFs. Just don’t want to be one of them people that gets too overwhelmed and ends up just giving up.
Not many fund managers beat the market, sure there’s a few who do but generally I think the sound advice is stick with a tracker fund, all world ETF, good luck investing
You are right, I wish I had started sooner.
Shall I take my money out of S&P 500 now?? If there’s a crash coming
when's the crash coming? Let me know what the weathers like in the future
@ I’ve only just put in recently and just wondering if it smarter to put in cash isa and then re put it in S&P
Be fearful when everyone else is optimistic? When you’re getting stock tips from the shoeshine boy it’s time to be cautious.
I've just hit the like button with clean fingers. 😅
Good man 🤣
ISA £20 k per year: is that total from cash + stocks isa per year
Yes it is (at time of writing this)
total per person, per tax year across ALL of the accounts combined. Not per account.
I think if you day trade you might lose your shirt but if you invest £ cost average in you will have something the only thing that matters is whats the value when you realise your asset or readjust the growth orientated ETFs to take income and drawdown.
Toby is quite unlucky that scammers start comment threads promoting investment "gurus" and bitcoin etc but anyone with a modicum of common sense just reports tgem as spam.
Yes agreed that Day Trading can be dangerous for most, only 1 in 4 seem to keep profitable after just one year.
I did experience losing almost 50% of my profits from the first 3 weeks of day trading in just 15 minutes after some poor economic data was released and I just froze.
However 2 years later during the 2008 financial crisis I did really well (my risk management was much better after the 2 years experience)
Shorting the indices was really profitable then and always closed or adjusted my stops and limits before end of day.
After having grown my whole long term portfolio to a good amount I see no harm in risking less than 10% of that on shorter term trading as long as it is money that you are not going to cry over if trades go the wrong way continuously.
I did shift from day trading to swing trading as it is not so volatile and better for my blood pressure...
For a lot of people though as you mention the PCA/DCA is easier on the nerves and wallet
Hi, I hope you can answer this question. Why do you need to provide NIN to 212 when opening stocks ISA? I tought it is tax free. Is it going to affect anything like income, benefits or savings? Do you have any video on this subject? Thank you.
To prove you're registered as living in the UK ,I suppose. Don't want Elon Musk taking advantage of our generous tax free savings, eh?
As below it’s for proof of UK status and also it’s tied to your ISA allowances. If you end up trying to put in 100k across multiple accounts then there is that record
@@TobyNewbatt thank you for your prompt reply Toby. Although I don't think I will ever get to 100k 😂🤣 in case I would, does that mean I would be taxed?
@@evamandri taxed and a possible fine, I think
@@glennwhitlock1272 fined for what? For being smart to invest into market with continuous growth & profit?
XAI320K will make all other coins obsolete. XAI320K is king!
Wrong. Best time to start investing was BANG IN THE MIDDLE OF MARCH 2020. So if you went out with a mask on your face to a local to get TOILET PAPER and HAND SANITIZERS (that was sold out anyway), you did opposite to what you should have done. (sadly including myself)
😥😥😥
So, you advocate for DCA which was proven to be the sub optimal strategy?
🤔
Most people will DCA because they will be investing as they earn. Lump sums may be few and far apart for a lot of people.
@@Arcfort 🤔
You’re misunderstanding and misquoting anything I’ve ever said. If you invest what you have available every month then you are doing both a lump sum and getting a DCA price. 😎
Would this still apply when starting with a lump sum. Im looking at index fund long term but buying at an all time high seems a bit wrong. What are your thoughts?
I think over time the evidence is in favour of the lump sum will win out, but hard to stomach if there’s a crash or correction in the market, good luck, your in a good position to have a lump sum
@Capture262 thanks for the reply. Obviously no way of timing the market properly just trying to make the most informed decision I can.
Happened to me in 2022. I invested just about everything (85k I think). Market threw a wobbly and I was down 8k. Two years later and I'm up 20k.
Agreed it’s a tough one to call, I think the saying goes it’s time in the market not timing the market, you could always put half in and DCA the rest, might make it easier for you to swallow if it does crash. Good luck
@@Capture262 good point, I guss I could dca all of it really.
When I am at work I always go to the loo for the 15 minutes around 2PM and around 3:45PM. Big gains.
🤣🤣🤣
Logic/maths error 1: having a crash at the beginning doesn't mean you won't have another crash towards the end or in the middle. They're two independent events.
Logic/maths error 2: crash at the beginning is no better than crash at end of your investing a large sum or a constant sum because gains are multiplicative:
Starting amount * (0.5) * 1.07^20
Which is crash at beginning, is the same as crash at end:
Starting amount * 1.07^20 * (0.5)
Your error is assuming that someone invests once and then never invests again.
@jacksimpson6057 no he's assuming the opposite which isn't true for people wanting to know where to save a large amount of money, he's also assuming it's not a regular fixed saving. And the larger point is it doesn't impact the probability of having a crash at the end. That's like saying I hope I get mugged today because I'd rather be mugged when I'm young than when I'm old. Makes no sense
@@rickymort135 your calculation doesn’t account for someone investing every month, the guy in the video did assume that people would be investing every month.
@@rickymort135 he was not talking about someone with one lump sum wanting to invest it all and leave it, he was talking about somebody starting investing and then continuing regularly.
@@rickymort135 stock markets tend to rebound, so if you extrapolate from historical charts and think that stocks are likely to be at (for example) 500 in 20 years time and they are at 100 now, you’d rather have a crash or correction at the start of your investing because you’d be able to buy a couple shares at 100, watch the market crash and then buy 4 shares at 50 with the same investment.
Another great informative video Toby. I’m on the ladder using Trading 212 and Invest Engine. Going to invest my lump sum isa in April.
But what Toby said only applies to dollar cost averaging investing. Lump sum investing is a different matter. Investing a lump sum just before a market crash will hurt a LOT!
@@steve6375back testing has shown it’s still better to lump it in in almost all cases. You could be very unlucky but it’s unlikely. At worst drip it in over 12 months if it’s a lot.
@@steve6375 It'll only hurt if you sell it while it's at a loss, otherwise it is actually advantageous to lump sum invest. Over the long term the lump sum will almost certainly increase in value, just like the DCA will. What you are talking about is just the psychological effect of seeing your lump sum fall in value, ignore and stay the course.
If i am inveating only say £100 - £150 per month would it be smater ti only invest in say an index fund like @
S&P500 or split it between that and say dividend stocks ? Any information would be much appreciated 🙏
The S&P 500 has plenty of stocks that pay a dividend. Any dividends are just one part of your total retunr they aren't free money I've done videos on this topic worth covering :)
Please stop saying you do not pay tax if you buy shares within a stocks and shares ISA. I fell for this only to find out stamp duty is still being charged for UK shares. No stamp duty for many ETFs but why are UK companies penalised?
You don't pay any tax on your returns/ profits/ gains/ dividends. You can't do anything about stamp duty tax on UK shares nor can you do anything about whitholding tax from US dividends. Neither of those things change anything I've said :)
@@TobyNewbatt I am aware of US withholding tax. But stamp duty should be made clear for UK stocks in an ISA.
I don't understand why NOW like now January 2025 is the best time to start? What if I had started last year or I start a few months later
This video could have as well been made next year or last year or any time.
That's exactly the point. NOW is always the right time because trying to beat the markets is futile.
Exactly the point.... Now is always the right time to start, you can't go backwards :)
😂 every time I invest it drops in price
On this basis are you better putting £6.60 per Day instead of £200 per month so you get the highs and lows in the market?
...and Trading 212 will do that for you, if you wish.
I'd argue this is more timing the market as there is an opportunity cost of having money sat doing nothing. Unless you are literally paid daily, then I'd be choosing a more sensible deposit schedule tbh. But you can do however you want as long as the platform allows.
time in the market not timing the market sceptic pegs
Been waiting for that crash to come 😂😂
You could be waiting for one week or 10 years. Check back later :P
This year I have experienced more gains than losses in the crypto/stock market, thanks to some knowledge I acquired from my financial advisor. I have managed to flip the market
I have seen something like this on countless videos and i find it misleading. I do not trust most advisors as the last time I did, it didn't end well
I totally understand, i have seen this too but before working with anyone you need to do your research, possibly meet them in person, my financial adviser is Gabriel Alberto William , he is not just a broker, he is a financial adviser that gives advice on any financial matters not just on stocks or crypto
Okay, how do I get in touch with him?
look his name up online, please do your research, he is very good at what he does and has been in various financial market interviews
I’m really focused on performing well in the stock market in 2025. I have about $120,000 in a 401(k) that I’ve been neglecting, and now I want to make sure it’s properly invested. I’m looking for guidance on how to best manage this money, especially since I haven’t been contributing to it recently.
Index Funds & ETFs: 40-50%, Emerging Markets (e.g., VWO): 10-15%, Dividend Stocks: 10-20%, Growth Stocks/Small-Caps: 10-20%, REITs: 5-10%
Track the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs is likely to outperform most investors during this bull run. Always make sure to work with a knowledgeable financlal expert when you're starting out to avoid potential losses.
Follow the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs will likely outperform most investors in this bull run. Remember to always work with a knowledgeable person in the financial market when starting out to avoid getting burnt.
I'd appreciate it if you can suggest a knowledgeable person or an advisor i can work with.
Lauren Christine Campbell is the advisr I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Those large fees have been moved to our pensions 😊.
For the past 5 years?? I was told by a colleague more than 20 years ago that the stock market was about to crash. ;-) I’m fairly confident people have been saying this since the stock market came into existence.
Indeed you can find headlines, videos or papers with the same story every day forever 😀😎
This time last year some so called experts were saying sell, go away and come back later to avoid the imminent crash. The markets then had one of the best ever years!
This vid will do terribly, way too much sense being spoken.
hahaha - well touch wood, it's doing pretty well! Nice for an optimistic positive message to do ok for a change.
This is all well and good advice. HOWEVER, I am 69 years old and have health issues so my opinion is that this advice is dangerous for me and my wife. I potentially don’t know how long I have left to live so for me investing in stocks and shares is more risky than using savings accounts. ISA accounts are improving and as you said they are tax free, but the interest paid on them is normally lower than the highest flexible savings account. Even after tax. So you current age and health status should always be considered as part of your investment ideas. Currently we also have a Labour Chancellor who is actively attacking the pensioners and savers.
I don't think you have long left pal, go down the casino and stick it on Red
Really? 😂
Wasn't it your darling Liz Truss who wiped £425b off pension funds?
@@OGillo2001 I have progressive adhesive Arachnoiditis and daily pain and using morphine patches so you’re 100% right - I have about 10 year at the absolute best insurance actuarial estimates. Ce la Mort!! 🤣🤣
@@glennwhitlock1272 yep really. However there are people who are much worse off than me. Those people who thought that the State Pension would be enough for them. This was refuted by Thatcher government , who suggested the we get on our bikes to find work and have a pension to top up the then struggling state pension fund in 1973/4. Unfortunately being knocked off your bike by a drug driver and then having a poisonous xray contrast called Myodil pumped into you as an epidural did not help. The NHS always refused to accept that this caused the spinal nerve damage and never compensated and did not provide state benefits to patients, so we had to work and just swallow handfuls of strong pills - which in turn stopped insurance coverage for any mortgages at a low rate. MRI proved that there was an issue with Myodil but not until 1989. So yeah really !!! Now I get 50% PIP, but so much daily pain for my 39 years unbroken working service and planning retirement for 2016?when I turned 60. Now at 69 (in Feb) I am still walking like a 100 year old guy. Also memo your State Pension is classified as a non means tested “benefit”, so any future government could change it to means tested or just withdraw it. Look out for your own future as no politician ever will. Invest when your young as the video recommends 👍🤷♂️😀
ive got visions of that 80s poster of the toilet cubicle with the fax machine and telephone on the wall lol kier starmer toilet paper
Yes you could buy stocks cheap but not a good idea until the crash has stopped crashing.