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Sammie Ellard-King - Up the Gains
United Kingdom
เข้าร่วมเมื่อ 24 เม.ย. 2022
Helping Britain Get Financially Fit.
The mission is simple.
The mission is simple.
Investing For Beginners UK 2025 (Step By Step Guide)
In this video we unpack how to invest for beginners in the UK for 2025. It's a full step by step investing guide you can use to help you get started.
Learn How To Invest In 6 Weeks 👉🏼 www.stockmarketschool.co.uk/
The Investing Accounts I Use ⤵️
1️⃣ Trading 212
Get a FREE SHARE worth up £100 when you deposit £1
www.trading212.com/promocodes/GAINS
If you don't receive the free share - head to the menu and put the word GAINS into the promo code section.
2️⃣ InvestEngine
Get a £50 welcome bonus when you sign up and deposit £100
upthegains.co.uk/visit-investengine
CHAPTERS
00:00 - 01:44 - Intro
01:45 - 03:01 - Why should you invest
03:02 - 04:24 - Set A Goal
04:25 - 05:35 - The Basics
05:36 - 06:55 - Risk
06:56 - 08:44 - Index Funds & ETFs
08:45 - 09:53 - Individual Stocks
09:54 - 11:03 - Accounts
11:04 - 11:50 - Make 1st Investment
11:51 - 12:25 - Dollar cost averaging
12:26 - 14:15 - Common Mistakes
DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.
This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.
Learn How To Invest In 6 Weeks 👉🏼 www.stockmarketschool.co.uk/
The Investing Accounts I Use ⤵️
1️⃣ Trading 212
Get a FREE SHARE worth up £100 when you deposit £1
www.trading212.com/promocodes/GAINS
If you don't receive the free share - head to the menu and put the word GAINS into the promo code section.
2️⃣ InvestEngine
Get a £50 welcome bonus when you sign up and deposit £100
upthegains.co.uk/visit-investengine
CHAPTERS
00:00 - 01:44 - Intro
01:45 - 03:01 - Why should you invest
03:02 - 04:24 - Set A Goal
04:25 - 05:35 - The Basics
05:36 - 06:55 - Risk
06:56 - 08:44 - Index Funds & ETFs
08:45 - 09:53 - Individual Stocks
09:54 - 11:03 - Accounts
11:04 - 11:50 - Make 1st Investment
11:51 - 12:25 - Dollar cost averaging
12:26 - 14:15 - Common Mistakes
DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.
This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.
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Trying to build my Portfolio, so I can earn $900.00 a month, Thanks to Lisa i was able to own some of the top company and etfs that pay dividend. I put the dividend back into the company. My account is about $25K, and all top companies and etfs that pay me dividends.
You trade with lisa obrien too? Wow that woman has been a blessing to me and my family.
I am grateful to her as well though I started with as low as $1,500 actually because it was my first time and it was successful, shes a great personality in the state
how can i reach her?
That woman has changed my life for good. I attended her investment class couple of weeks last year and shes the best when it comes for Guidance.
I was skeptical at first till I decided to try. It's huge returns is awesome. I can't say much
Trying to build my Portfolio, so I can earn $900.00 a month, Thanks to Lisa i was able to own some of the top company and etfs that pay dividend. I put the dividend back into the company. My account is about $25K, and all top companies and etfs that pay me dividends.
You trade with lisa obrien too? Wow that woman has been a blessing to me and my family.
I am grateful to her as well though I started with as low as $1,500 actually because it was my first time and it was successful, shes a great personality in the state
how can i reach her?
That woman has changed my life for good. I attended her investment class couple of weeks last year and shes the best when it comes for Guidance.
I was skeptical at first till I decided to try. It's huge returns is awesome. I can't say much
I Hit 12k today trading crypto. Started last month 2024. crypto education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Lisa O'Brien for helping me achieve this.
You trade with lisa obrien too? Wow that woman has been a blessing to me and my family.
I am grateful to her as well though I started with as low as $1,500 actually because it was my first time and it was successful, shes a great personality in the state
Please I'm new to this, how can I get her assistance??
That woman has changed my life for good. I attended her investment class couple of weeks last year and shes the best when it comes for Guidance.
I was skeptical at first till I decided to try. It's huge returns is awesome. I can't say much
Brilliant podcast, so much knowledge to digest. Im off to find more content from Andrew, especially his books
Is there a month fee for using plum or is it free to use the app
Ftse all world ive gone with.
Time for everyone to start investing in 2025!
100%
To say a study done on the S&P500, ensuring you will make money in the long term, is a little on the disingenuous side. If the study was done on the japanese market over the same time, it wouldn't conclude the same. Perhaps useful to remind viewers this market is a little special.
Whilst I appreciate where you're coming from - that's what the study was done on so pretty difficult to say otherwise. Throughout the video we mention risk on 5 or 6 occasions so in no way are we being disingenuous. Thanks for watching.
Sammie loving the content! I’ve been reading up on investing for the past few months and it has really helped me get started and build confidence so is much appreciated. A question for you though - should I look at reducing my pension contributions and use the additional Income in my S&S ISA? Not sure what works out more tax efficient? Would be good to know ? You may have already done a video or post so feel free to point me to it!
Hey thanks for the support! When you reduce your pension contributions that means you're lowering your tax relief and potential employer contributions (if in a workplace pension). I would personally maximise your pension as much a possible but also add to a Stocks and Shares ISA alongside this. That way you have access to some funds in the here and now but also maximise tax relief on pre-tax income.
Loving these videos, bravo! What software are you using to create the animations? I’ve just started myself and it’s the one thing I can’t figure out 😂
Thanks bud! We use after effects and a few others. It’ll come and there’s lots of tutorials on TH-cam for them
@@upthegainsmoney Ah nice! I have the Adobe package so I will take a look at after effects. Keep up the great videos 💪
Great video Sammie. I am just starting my investment journey and trying to collate as much information as possible. With Trading212 can I invest in S&P500?
You "hope" you will be able to take it tax-free. You've no idea what the government will do going forward. Bitcoin is the risk-free return hurdle rate now. Anyone achieving less than this is underperforming. Want equities? Buy companies who hold bitcoin on their balance sheet. You're welcome.
In england the problem is to get a salary that allows you to get 20k to invest 😂😂😂
Then start with £100.
Have you heard of 0DTE SPY calls?
Impossible in Germany, here you even gotta pay taxes on gains you haven't even made using a completely made up gain percentage that's rolled by our federal bank every year. Meanwhile if you're employeed you're forced to pay a lot of money into the unsustainable public pension fund that'll pay you back like 10% of what you put in over your entire life.
In America we can only put 7k in what we call a Roth.😢😢😢 Dang we're screwed.
Don't worry 90% of British people could only dream of having 10k spare every year to invest! There's a few lucky ones who have inherited large sums of money or got a leg up from parents while initiating adulthood, they them go on like having that sort of money is normal 😂 I can assure you the majority of the British public can't stand arrogant toffs like thisn😂
You can still invest in the stock market pretty much tax free if you’re smart about it. We gotta pay tax on unrealised gains, imagine that.
Id put that entire 137k into bitcoin and sleep easy knowing im not being diluted at 11% a year through money printing.
And potentially lose it all
@@ComradeWatermelonprobably not losing it all, but Bitcoin could easily go down to 50k or even 30k$ again. Buying at the all time high is NEVER a good idea with cryptocurrency 😊
@ComradeWatermelon that's true for any investment.
Rent in Richmond area for 2 bedroom house?
Google Rightmove 👍🏼
Top man
Thank you 🙏
If I don't win a high value premium bond prize on January 3rd, I will be putting most of my money into the market.
Sorry but that’s a ridiculous way to look at building your wealth
When you hit 200 will you go for more dividends over growth? Would be nice to know which etfs you are invested in
No I’ll continue with growth and switch to a dividend / more defensive approach as I near retirement
@upthegainsmoney we love your content. My client @SrijithKariyattil would love to connect and collaborate. Let us know your thoughts.
Fantastic discussion, Andrew is awesome when he gets talking about bio tech
One of the best to do it IMO
Nice to find someone who’s not got 3million giving little tips
I’ve lived in London since 2010 and finally managed to buy this year. However, for those that are interested here is a list of my rents that I paid ( in shared houses) and in different areas. As you can see I had to move around a lot, particularly when Landlords wanted to increase the rent too much. 2010: Herne Hill - £450pcm inc. bills 2011: East Dulwich - £475 pcm ex bills (£575 inc bills) 2012: Harringay - £480 pcm ex bills (£550 inc bills) 2013 - 2015: Tooting Bec - £480 ex bills (£560 inc bills) 2015 - 2017: Tooting Bec (same house but bigger room) - £550pcm ex bills (£650 inc bills) 2018 - Balham - £700pcm inc bills 2019 - Swiss Cottage- £700pcm inc bills 2020 - Clapham South - £1,300pcm inc bills 2021 - Streatham - £800pcm inc bills 2022- 2023 Bounds Green - £600pcm ex bills (£725 inc bills)
I’m looking at setting up the trading 212 ISA. When typing in S&P 500 a few options come up. What one do you recommend? Thanks!
Perfect !!
Try explaining this to a politician, they dont get it. I rent a single room in a house and my rent is £1000 p.m.
They get it, they just dont give a sh.........
Stop capping, unless you live in a mansion 😂 single room in London not the best but decent is 400_pm
@@123shotas love it when people try to tell me about my own lived experience 🥸 better yet, my own CURRENT living experience
£100 a month is SO much, who can afford that?! I see this video is just for the rich folk in their plastic towers 😮💨
Get well soon
@@upthegainsmoney EXCUSE ME?!
Agreed on investing more when the markets drop. THAT’S when I try to invest every penny I can. I always consistently invest, but the bear markets are when to get greedy.
Vanguard all world and chill.😊
Gotta love it
Total n00b question, but why do you lose tax free status to take the funds out of the old provider and depositing with the new one, rather than transferring directly between providers? Surely the gains when you sell in the old are tax free, then there wouldn’t be any tax associated with buying investments in the new ISA? I can see that you would maybe lose (or “double spend”) your tax-free allowance. Is that what you mean? But if you’re nowhere near your annual limit, that shouldn’t be a factor, right?
Great content thank you for sharing dude!
Great Intro video, but most people of your age are already investing $thousands anyway. They will have a Defined Contribution Pension. They should take a careful look at what their pension scheme is invested in as they may be able to change it to a MUCH better performing (higher equity) scheme. Many pension schemes give you a default investment in poor UK stocks and low gain bonds but most investors agree that for younger people (20-50), investing in 80% to 100% equity is much better. Meanwhile your default pension scheme is paying for all those pension company employee Porsches!
Thanks for the insight - I started late and so have only been investing for 8 or so years. With all due respect most people age don’t have this kind of money invested at all hence why channels like mine and others exist.
@upthegainsmoney DC pensions contribute at least 8pc of salary. So most people will have thousands of pounds invested already even after 1 year, let alone 10 years or more. So I don't understand your reply?
Not sure where you have got at least 8% from. Most Uk DC schemes are not great at all. Some of my friends is 3% er and 3% ee. But if you take the average salary of £36k, assuming 5% er and say 5% ee, that’s 3.6k per year which is likely not enough for most people in retirement. I agree with you on choosing a low cost index le the S&P. Fees are less, growth is better…absolute no brainer (for people under 50). Shame not enough people know about this and some employer pension structures are too rigid to offer a level of choice. Fact is not enough people contribute enough (due to low salaries) AND their money is not in the optimal investment for them…real shame.
@@nishnoshYep. A lot of people are already investing but they don't realise it. I was going on typ. workplace pension of 5pc employee and 3pc employer but whatever the pc, it's quite a tidy sum after just a few years.
I know my work based pension was set up for a generic, low risk fund. Have since switched that to the same global index I have for my ISA, but it’s crazy how many people have no idea what their pension is invested in. In fact, most people I speak to didn’t even know their pension was invested in anything and just thought it worked like a savings account. I was late to the game with learning about personal finances at 30, but have opted for the highest contribution towards my pension, so 8% from me and 8.5% from my employer. Pretty shocking that no one really teaches you this stuff unless your parents knew about it or you go seeking it on TH-cam.
Looking forward to get started! Keep up the great content!
Thank you Danielle 🙏
Sounds like financial security 🔥
Thank you Chris
It’s better to own whetherspoons than drink in whetherspoons This is metaphor!!
😂😂😂
Good advice
Thank you
Good job getting out of debt. Sometimes people never break their poor financial habits in adulthood
Thank you 🙏
That’s the figure I earn but there is problem, I am not working 40h/week… I have four job, indeed I am still not understanding what he intends for salary,if it is all income taxable you can earn in a year, or just the main salary; maybe 35k mon to Fri that’s it job, because I might be an “handyman” and have four job and at the end of the year I can reach this figure (I could work bank holiday) although my main salary is 30k/year
Great video. If you do feel strongly about a stock, say tsla or pltr, is it recommended to go 40 per cent in and leave the rest in an etf? Tsla is insane atm. Wish i had more in it because it would allow me to hit six figures and then withdraw initial investment and put into voo
I personally only have 5% of total holding in a single investment but each persons appetite for risk is completely different.
I invest in the nasdaq 100. Thinking this index is broad enough to scoop up alot of future biotechnology. What are your thoughts ?
Ummmm? After all that talking there’s no conclusion. And no mention of the final outcome: After 30 years you’ll OWN a home
Yeh a lot of fluff and no concrete conclusion. But you basically have to do the numbers and work it out for yourself - it depends. Yes you will own a home after 30 years but on the reverse you will have a large investment portfolio. At 30 years you could simply buy in cash for full. Obviously you need bullet proof discipline, investing isn't forced like a mortgage which will mean you lose your home if you fail to paym
That’s because there’s no concrete conclusion based on the factors outlined in this video. Every house and location will differ hugely. The message of the video is do your numbers and don’t forget them all.
The conclusion is that in some niche, outlier cicumstances it is not worth buying a house but renting instead.
British banking awards...award for most corrupt individuals
Get well soon.
I work in finance!! Out of all the books I’ve read, all the courses I done, all the content I have digested. One book reigns supreme. “Richest man in Babylon”
Good place to start and revisit periodically
Hi Sammie great content as always. Do you have a video show which individual companies you follow?
Thank you, this is really helpful! What’s your take on debt - pay it all off first before investing? Or split your money by investing a little while paying off the debt?
Do you max the Isa every year and how regularly do you feed in cash? Any thoughts on dumping the max in on April 1st vs drip feeding? Congratulations on your success and recognition
Just saw you PCA, makes sense but delays your entry into a bull run potentially
Used GAINS thanks for code. Placed first ever investment tonight. Its a whole new world x