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@0:08 Investing with Vanguard isn't difficult. Choose the fund, set up the direct debit and leave it for 30 years. Not sure how that can be much simpler!? 😂 Vanguards site is rubbish and that the magic. You invest and leave it because there is basically nothing remotely interesting to do. T212 is like a Amazon shopping for shares. You end up either buying stuff you don't really need or buying more than intended. 😂

Here are the links/resources we mentioned: Free share worth up to £100: trading212.com/promocodes/FIN (aff, terms apply) Our free index fund cheat sheet: financialinterest.com/index-fund-cheat-sheet/? Video on Trading 212's pies (and why we don't use them): th-cam.com/video/M9bxtF3T4yY/w-d-xo.html

Half way through this video and it feels like an ad.

Also I'd recommend the Royal Mint for people in the UK, they tend to be the cheapest from my research

For me, gold is a hedge against SHTF, therefore it makes zero sense to hold it in an ETC or gold mining stock. I'd rather hold the physical asset and have it ready to go if/when needed

Is gold part of your portfolio?

The web version has been updated

Do you think they will ever have employer's contributions?

I opened my first SIPP with vanguard around a year ago invest in a single global fund to keep my personal pension simple. I’ll be looking for a new provider because as they don’t support fractional shares, you end up with surplus cash just sitting on the sidelines from both contributions and tax relief which doesn’t get invested if it cannot purchase a full share of the fund, even if you frequently login to manually invest this cash you’re still losing time out the market which will add up to massive loss over decades. No option to auto-invest cash if there’s enough to buy a share, it will just build up till you login and do it.

I'm in the process of porting my Vanguard ISA over to InvestEngine to avoid the platform fee.

this is one of the better videos on a small channel and I like that. ❤

Vanguard even doesn't have the application in Apple lol. Why? Wtf!? lol

the fees charged to UK customers is disgraceful. Put it simply, they wont be getting my business until their fees for UK customers matches those in the US

Not just me that has measured inflation via freddos and other tuck shop staples 😅

Hey, when i tried doing this it says pending order. Is this normal or could i just buy it inetantly.

Watch out the pitfalls! Investing in foreign markets can be challenging due to foreign currency exchange (FX) rate. For example, even though I achieved a 3% total growth on my U.S. stocks, the current FX rates ultimately reduced my gains, resulting in a 2% loss. Now, to avoid locking in that loss, I need to wait for the dollar to strengthen against the pound. As a UK resident, this experience highlights the importance of focusing on investment opportunities that minimize currency risk, such as stocks or ETFs listed on the London Stock Exchange (LSE) or those traded in euros

Great video

so in your opinion if i was to start a 1 fund portfolio what would you choose? or a 2/3 fund portfolio what would you choose?

Can a person based in Ireland also follow these rules?

to make this work to become a millionaire over a 30 year stretch - Say some extra coins for retirement. You, essentially, need to invest 1,000 Dollars/Pounds each month and hope the market is on your side.

If you trade £1 every day, don’t T212 take a percentage of that, or how else do they make their money?

AI is prettier 🤣

Inflation adjusted investing, didn't inflation adjust the end pot?

4:00 it's not the effect of the FX fee, it's the effect of the change in the exchange rate since you bought

Nice job 😊

Surely this experiment is further flawed as you can't invest every day as the markets are closed for public holidays / weekends etc.

Plus500 offer better deposit and withdraw options. No card deposit fees on any amount. Plus500 supports Paypayl deposit option.

Can you invest in individual stocks and/or US stocks? E.g VOO or QQQ

Brilliant info and well presented - thank you

Great video! I've also noticed with the WisdomTree/BlackRock Core pies they hold so many different ETFs for seemingly no reason. Over 10 ETFs in them and about 3 or 4 that all give exposure to the S&P 500. Safe to say, i reached the same conclusion 😊

Here's a pie... SP500 😅

"I am other people." "We're just normal men." 🤭

I have watched a previous video about trading 212 from you and when you have invest account and want the money not invested in interest rate there was a catch right? So I just watched this and it will be invested in QMMFs which is not protected correct? I will use easy numbers for example lets say you have 100 euros in invest account. Can I move it to savings account and the next day get 4,2% /365 days the next day already? Because from the savings account it should be safe right? So can I move my funds that I don't use and funds I want to use from savings ISA account and Invest ISA account easy with no consequence? Also how safe are my funds since it is only insured till 20k since I am not from UK? Because trading 212 holds funds from company and customer apart. So how safe is trading 212 eventually? Long message but I need to know these things before I invest. I will be sure to use code FIN if you can help me answer these questions.

How do I turn off the intrest I cant find it on the settings that the ai said

I gained an "early access" to the app. Unfortunately, I can only see the overview and popping up message "continue to our website"... Useless to me.

If you choose not to create pie and be me every month to invest €100 in the etf already purchased in part, buying monthly for €100. Would this activity have the same effect and possible results (those that the application predicts and presents in autoinvest through the history of the etf) as if it were done with the autoinvest of pie

nice video, is it easy to stop the recurring monthly payments ?

Would steer clear of Aviva! They charge you more if you take non advice and are very restrictive in the way you can take drawdown. They pretty much force you down taking advice and all the lovely costs that involves. Disgusting.

You nailed the video work through.

Too bad EU-based investors are regulated in Cyprus instead of the UK and only have a 20000€ protection. And it's still a mistery how they're able to offer higher interest rates compared to the ECB (4.2% vs. 3.75%) without taking on significantly more risk as well as offer trading for free, where they lose money on each trade, which they have to make up for by getting people to gamble via CFDs

What are the benefits of turning on the earn interest on cash, versus just buying an MMF like CSH2? Thanks

Great video and very clear. When you open a stocks and shares ISA after April 6th each year you can top up another £20k in that same ISA. So if I held a stocks and shares ISA for 20 years you can top this up every year by £20k? Obviously as long as the rules do not change!

Is Trading 212 accessible & fully functional with just a laptop & BB? NB: I don't own a wizzy smartphone; I live in the 'dark age' - lol. Thank you.

I’m curious who’s running this channel because I can see it’s affiliated with Damien but not Damien Ofc

Thanks! The FX gain/loss is awesome imo

Here's the index fund cheat sheet we mentioned (it's free!) financialinterest.com/index-fund-cheat-sheet/?

Great video. Thank you. Fidelity appear to have increased their fees since this video and are now charging 0.35%. Unless I am missing something.

A risk with pensions is the government can change the age at which you can access it whenever they want. You should still have a pension, but be aware of this.