How To Invest Like The Top 1%, If You Want A High Net Worth!
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- Опубликовано: 29 сен 2024
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Ever wondered how the top 1% invest? Well today i’m going to break it down from the ultra high net worth report. It shares exactly the asset classes that high net worth individuals are investing in, across the stock market, property, and other investments too, to increase the value of their investment portfolio’s over time. I personally have exposure to the stock market with my Trading 212 Investment portfolio, but I have in the past 12 months entered into the world of property investing too with a buy to let. I’m nowhere near that top 1%, but hopefully I can shed some light on the path that others have taken to get there.
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Disclaimer: I am not a financial advisor, and this information is not financial advice. When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. If you enable interest on Invest and Stocks ISA accounts, Trading 212 will hold your cash in qualifying money market funds and banks. Otherwise, your cash will be held only in banks. Interest applies on cash in an investment account. Terms and fees apply*.
Disclaimer: All ideas presented within this video are that of my own based on my own opinions. Please do not consider any of these videos as financial advice as I am NOT a financial advisor. All financial decisions and choices made are solely your responsibility. The views shared in this video are just for entertainment purposes only. When investing, your capital is at risk and can go up in value as well as down in value. You should consult a suitably qualified professional when seeking out investment advice in order to fully understand the risks associated with investing.
Happy Sunday guys! How does your portfolio compare to the top 1%? If you want to grab one FREE share valued up to £100, open an account with Trading 212 by clicking here: www.trading212.com/join/MITCH
Just because it is how the top 1% act, doesn’t mean it is suitable for you. These aren’t the investments they made to build their wealth, but the investments they are making to secure their wealth…
Valid point 🙂
Some excellent content again Mitch. On the property point, I see it as more of business venture than investment. As a previous landlord I have never found anything quite as stressful and time consuming than the property management element of being a landlord. Also factor in the risk of tenant issues, voids, rent arrears, CGT and many other downsides. Horses for courses but personally give me the relative calm of low cost passive investing any day.
It'll probably only get worse for private landlords after the budget. Labour hates them, even though they have at least one terrible landlord in their ranks. More hypocrisy from the socialists.
Thanks so much! I can definitely resonate with some of your points, even though I’ve got a managing agent on my investment property it can still be a right ball ache at times, and I only have 1 😆 I think it’ll be a portfolio that I may keep relatively small for most of the reasons you’ve mentioned though!
Hi Please can you do a video of recommended guilts. Thanks
Really wish i had discovered stock investing prior to 2020.
Looking at the price of stocks like nvidia, msft, appl to name a few pre 2020 is envious 😅
Interesting video Mitch, and something to aim for!
I only started investing after watching you and Mark Tilbury. I'm 53 now, so kinda late to the party, but nevertheless at least I'm still in with a shout. Just wanted to say thank you for your 2 free deutsch mark shares! My side hustle is lego star wars sets and I have just brought £800 worth of sets due to be retired at the end of this year. Potentially worth 2k in 3 to 4 years time. Just thought I'd give a few of your followers a heads up on this as an excellent opportunity to diverserfy into a healthy nest egg. Off now to wrap it up carefully and leave it in the spare bedrooms wardrobe 😊
Love that Neil, and also great that you’ve got something you enjoy doing that’s also an investment too! Thanks for watching & subscribing 👊🏼
The problem with the uk rental market now, is that a lot of landlords are selling up because of the new renters rights bill which basically will make it a piss to get rid of problematic tenants. You could be waiting years before you could get a tenant out (basing this on current court times) and all the while they would be able to live rent free in your property (if they decide to choose to stop paying rent).
I don't deny that rental property is a valid form of investing, but for all you out there doing it, answer me this : Would you do it to your own kids?
The value of a property for sale and/or to rent is the same for everybody, doesn't matter the degree of relatedness, so if the answer is NO, then why are you doing it to other people's kids...but if the answer is Yes, you are just as bad as when the answer is NO, but at least you are being consistent in your logic, so commendable at the very least...
Amazing information as always mich! Could you please go into how you would approach money market funds
Hey Dan - thanks! What do you mean exactly, could you be a wee bit more specific please?
Another fantastic video. How is life after escaping the 9-5? Thanks Sue 😊
Hey Sue, thanks for asking! It’s super busy! I feel like I’m more busy now than when I was doing 9-5 but grateful that I’m in control of my own time and have nobody to answer to🙂
What’s your thought on this? I opened a pie with 10 different Vanguard ETFs
Hey Edward! I’m currently planning a video right now to look at subscribers portfolios, if it’s something you’d like to submit for me to review feel free to drop me an email on mitchshoesmithyt@gmail.com 🙂
Uninvested cash on t212 droped 0.20% do you know why and how much will it drop or rise in 12 months?
Hey, it’ll be tied to the Bank of England base rate so I have no idea how much it’ll change. The change from 5.2% to 5.1% is as a result of the Bank of England reducing rates from 5.25% to 5%, so the interest T212 can pass on based on interest received from deposits they hold with banks naturally will come down.
Hi Mitch, I'm thinking of also investing in a buy to let to diversify. Would you suggest saving separately for buy to let deposit or would you continue to invest (as I do) in a S&S's ISA and withdraw the money by selling some funds when ready?
Hey David, I guess it would depend how much capital you need and how long you think it may take to get to that figure. If it’s going to take >3-5 years I’d likely opt for investing, anything less than that I’d probably keep it in a high yield Cash ISA whilst rates are high for a stable return
@@MitchShoesmith cheers Mitch
Hi Mitch, high interest building society account or money market account for cash, which do you think is best?
Hey Peter, I guess it's a personal preference based on risk vs return. Typically a QMMF should get a marginally higher rate of return than interest rates offered on cash from a building society. With a QMMF it's classified as an investment (even though it is considered extremely low risk) so you don't get protection from the FSCS, whereas your cash held with a building society is, meaning your money is protected up to £85,000.
@@MitchShoesmith thanks Mitch, appreciate that.
These cold openings and endings are harsh
@@nmtbhtp1990 what do you mean?
Hi Mitch. When you talked about bonds and gilts you mentioned returns of around 4% pa. Yet a bond fund such as L&G Strategic Bond fund has returned 16% in the last year. How does that work?
@@bassmike4783 hey Mike, I have no idea, that’s one I’ll need to look into and come back to you on! That doesn’t sound like typical bond market returns though. Just about to board a flight though so give me a few hours 😆
With bonds you get an interest rate (currently around 4%) and at the end of the duration you get the original amount back. So if you bought 10K of a brand-new 2-year bond at 4% you would get 400 a year for 2 years in interest, then the original 10K back at the end. BUT you don't have to keep that 10K bond for the full two years, you can sell it on, but the value you will get for it fluctuates daily on the market all along those 2 years until it matures. You might get 9K or you might get 11K. So some bond funds speculate on those price movements to try to get larger returns. The bond market can be every bit as complicated and sometimes just as volatile as the stock market!
While investing in real estate is a great option, it is unethical. I don't agree with it, and never will. We have a housing crisis at the moment, where the amount of ordinary families who own their home is decreasing year on year. The super rich caused this by acquiring all of the property, and I'm certainly not going to contribute to this ever-growing problem.
Investing in businesses is good, just being a landlord is just profiting off of a scarce resource, it’s extractive..
Watch what happens to rents when Labour chase the remaining few landlords out of the market...
so they should, landlordism shouldn’t be a profitable enterprise. Having good ideas, working hard and contributing value to the economy should be rewarded, not buying a scarce asset sitting back and extracting that value.