How to RETIRE off VWRL | How much would you need to invest?
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- Опубликовано: 1 окт 2024
- Is it possible to retire off only investing into the VWRL? How much would you need to invest in order to do this? In this video we find out...
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hi. how to download the calculation app that you are using.?
Thanks Hayley, great video btw. A question, so if you invest say a £1k every couple of months, would you still get similar rate of return as opposed to contributing every month?
It’s still dollar cost averaging but I think investing more frequently e.g. monthly (if you can) is slightly more beneficial because more time is spent in the market. I buy weekly for this reason instead of monthly and if I get any extra cash (Inc dividends) I lump sum invest it
I'm in the global all cap whats the difference between ftse global all cap and vwrl
The difference is the inclusion of small caps.
Hi! I actually made a video about them here ruclips.net/video/VguryEBgIyg/видео.html :)
Inflation at 2.5%. More like 12.5%. Unfortunately, projected stock market returns over the next decade are not going to be great. Headwinds of higher interest rates will curtail growth. Still an interesting exercise. I suggest you repeat this video every year using the inflation figures and VWRL returns of the previous year. Would be really interesting.
"Inflation at 2.5%. More like 12.5%"
If inflation averaged at 12.5% for decades on end, the economy would crumble.
"Unfortunately, projected stock market returns over the next decade are not going to be great"
Says who? No one can predict the next decades of the entire stock market, that's not possible.
Hi. Good video. Can you do the same with the s&p 500
Hey! Thank you :) For sure! Can’t promise when as have quite a few already on the list but it’s up there!!
Good video, but when I realised that you say POUND instead of Pounds, in couldn't unhear it.
How does this differ to if you’re investing in VWRP instead of VWRL? Would your returns be higher if investing in accumulation rather than dividend paying ETF? :)
This is what I’ve gone for, just make sure it’s in a tax wrapped isa account
Both options are essentially identical. In the case of P, it automatically reinvests the dividend, while with Vwrl, you have the flexibility to choose between manual reinvestment or cash withdrawal. Most individuals opt for reinvestment to harness the compounding effect, which ultimately leads to more substantial returns in the long run.
Next video…. “Can I buy £1000 of lottery tickets per month”
How sound are these calculations though as it is all assumption on the compound return?
Enjoyed your video. You’re missing something though, you don’t need nowhere near as much as you suggest, eg, 625000 @ 4% will give you £25k a year, however if you keep it invested @ circa 12% pa you will never run out of money, in fact draw out £25k for 100 years your balance would be in the region of £65 mil 😊 actually £65 Billion, you would still have 15 million left after 30 years of withdrawal
Hey John! Thank you for watching and thank you for adding that :) never running out of money sounds pretty good I will say!
Hi guys, I just want to hear your opinion. I am currently invested only to Vanguard S&P500 ETF and I want to expand my exposure to the world market. So I am planning to add the FTSE All-World ETF on my portfolio. But what do you guys think I should do with the allocations when it comes to the two ETFs? Should I go for 50/50? Not asking for financial advice but I just want to hear your opinions.
What did you end up doing? I kind off have the same dilemma but I'm opting to go 100% into All-World fund. The reasons for this is that 1. It comprises about 60% of US based company's so its pretty similar to S&P and 2. I'm a bit weary about where the US is heading as a global market leader in the next 50 years or so.
@@Kevinyim7 so what I did was 65% for S&P 500, 20% FTSE All World and added one more ETF 15% FTSE Developed Europe ex UK.
@@danvillegas860 I see, thanks.
@@danvillegas860FTSE All World comprises of around 60% in the US market, so why do you also have S&P 500? This weighs you more on the US market.
Do you worry about the gbd foreign exchange at all and how it may make a difference to result
Just discovered your channel! I will check your content out!!
Yay thank you and welcome :)
Is vwce the same? I use vuaa and vwce
Hello, I'm new here. Lovely video quality keep going :)
Hey! Good to have you, thank you :)
Thank you!
Which calculator do you use? Thx
Hey! it's in the description :)
I gave the 100th thum up .
Great video !
Woooo! Thank you Paul! :)
Thanks keep up your videos and their variety
Thank you so much 😬😌
Not a chance in hell these figures are even remotely realistic. 2.5% inflation. 12% annual returns? More like 7% inflation 5% annual returns.
Are you suggesting this isn’t a good strategy? I think it’s still worth it
It’s Not doing to great at the moment lol
I think you’re right there…
Let’s hope so
Good again Hayley
Thanks as always John! :)
@@HayleyEich Keep em coming Hayley
Great video, just left the 149th like! How do you invest in the VWRL, do you need to buy through a broker? I saw in the description the link to interactive brokers, is that the broker you recommend? Apart from the fees charged by Vanguard, are there any other fees or charges levied by the broker? Thanks
Hi Jonathan! thank you very much for that :) i do not because I already have other funds that would overlap a lot but it's a great one! I use Interactive Brokers for my ISA but only started with them in April 2022. I am going to do a video nearer April where I share my thoughts and experience including fees with them! Vanguard is known for being very cheap, the account fee will depend on what you invest into (differnet funds will have different fees) but usually you'll only pay a very small account fee each month! :)
I put £1000 (total) a month into 3 dividend stocks UK (spread between). Hoping for it to gain a big dividend, don’t necessarily care about the growth as long as they stay massive companies n in business paying dividends! Any thoughts on that? Would you consider that a very bad idea?
Which companies? Are you planning on reinvesting the dividends you get to grow your holding? :)
@@HayleyEich yes all already set up, everything will be reinvested automatically by the broker asap. Investments in around 20 companies that I like and have future prospects for. But thinking to focus on 3 main ones to build up an actual income from. As spreading over 20 will take over a lifetime to get anywhere.
So thinking BP, Unilever, and GSK for main. As they all will be around and have plans for decades to come. Quite bullish on RR stock for the long term potential to explode. And RIO and NG as runner ups to the mains.
@@HMSGorgeousGaming ETF’s >
Retire on VWRL… you can’t. The performance is terrible. 7 months and still no rise. Same for VUSA. Buying American stocks with UK pounds is just not a good idea because of pound / dollar fluctuations
You have to look at thing's longterm as thr yearly return is substantial.
@@andrewschuster8030 it’s a longterm investment