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You can’t get my intentions from this video. If it upset you, maybe that says more about you.

I think it comes down to education and influence. Following what you have been shown or taught. I was never told what to do and so followed influencers on TH-cam. I’m sure this is the same as many others. Also I would assume there’s a large portion of those people who think they can beat the market, but are wrong.

Great idea!

Very true, but you could also waste years with little return on your money.

Why would I need an emergency fund? I’m a healthy young person with good job prospects and no dependents. Also I have 6k in savings, is that not enough?

​@@ExceldividendsI think COVID should have been all the proof you need for why 1-3 months isn't enough. It's unlikely, but when shit hits the fan, normally multiple things go wrong at once and it can go downhill further than you expect. I would say 6 months of all your essential expenses+ £1000 should be a minimum unless you're living at home with parents or something like that. You can also get decent rates like 6 or 7% with the correct accounts too, so even though it's not invested, you aren't losing too much. It's good that you have lowered your risk by selling your car though. That was very sensible.

I have pension, was missed in the video although mentioned right at the end. Will make an update to include in the future.

​@@Exceldividendsyes I just saw it at the end there!

Could get written off entirely.

​@@Exceldividendsthat's true. Unfortunately though student debt massively increases inflation and screws over future generations if it's not paid off.

Because the information is not all that helpful in terms of whether you can put money into those types of ISA as well as putting into a cash ISA. It is clear now you can put money into different ISA types but prior to April 2024 I thought that you couldn’t do that.

​@@Exceldividendsfair enough! I never had a Lisa as I didn't even know they existed until 2023 about 5 months before I bought my house, so now I encourage everyone to max them out if they ever want to own a house as I missed that great opportunity myself. 👍

Yes!

@Exceldividends would it be silly or just to much weight in the USA markets to own all 3 of these

Thanks! Will pay off in the long run.

I’ve heard of those and I assume they also have a large expense ratio. Thanks, I’ll check them out!

Thank you for the suggestions. I will be taking this into account, and using some of your ideas. Thanks

I may not have explained this properly in the video. Freetrade is far too expensive to be an appropriate place to hold long term investments. This was a recent change implimented by them. I chose Trading 212 as it's the most cost efficient, but it took them a long time to allow me to create an account and also to allow me to transfer a portfolio in from another provider.

@@Exceldividends Ah, okay. That explains it - thank you! Well, with the recent drop in tech stock prices you may have made a lucky decision if you choose to buy back in. Whatever you do, good luck with your investments.

Thanks. I think I will be doing some form of content based on this. A comparison of the whole world versus various other types of ETFs.

Thank you, I appreciate it. Hopefully I can continue to make good content for you!

That sounds like a good idea! Beat the market series. That’s going on the list.

It’s annoying that I have to wait to get back into the market!

I don’t know nothing about no knives

@@Exceldividends😂😂😂😂

Hmm you may be right!

Unless that basket is US equities…

Well if anything the S&P 500 is a big basket. But I’m pretty diversified.

S&P500 just doesn’t lose. All these TH-camrs trying to beat the system is funny.

Awesome! Good luck on your journey :)

I would encourage you to keep putting money into the LISA, it's 25% return instantly. I made the decision to pull the money out, but looking back I can see it was a mistake. But, the process is really easy, just press the withdraw button and they tell you how much they can give you. I think it only took a few days to be transferred out.

The stock market is only open around 250 days a year, closed on weekends and public holidays. So I would be around 8000 short for a full year. That extra money I could invest over those months or in a lump sum.

Forever.

@Exceldividends will you sell if the market takes a downturn?

I would buy more in a downturn.

Glad you enjoyed it!

Had it set up since I was a kid! Tbh I just havent had to bother to move my incoming money. I think its a mental thing, to switch my main account, sticking with one of the big banks.

Hi, its too expensive and trading 212 is a better platform.

Keep going I watch your videos as inspiration

No! I forgot! It will be included in my next update. Stay tuned :)

@@Exceldividends haha , so your worth a lot more !

That £4 a month going to make a massive difference 🤣

@@Exceldividendsdon’t need to be a jerk about it. Literally paying twice for the same thing. Unsubbed

Lol what

I understand, it’s hard when the video is just spreadsheets

Yes sir!

I already have savings which is my buffer. And I’m investing as much as I can afford right now to maximise my younger years, this may change in the future. And right now I’m living my life pretty well and don’t feel like I need to spend more money to enjoy it more.

@@Exceldividends I'm just making the point don't live to invest, invest to live. The aim for investing should always be to spend the money and live your life not to invest to invest.

Only time it doesn’t beat it is when at the peak of a market or in big market downturns. Will be interesting to see how this will compare to the rest of my investments over this year considering the bearish outlook and overheated market right now.

That’s an interesting idea. Why are you doing daily? Why not invest one lump every month?

I was under the impression that I could not invest into a s&s ISA at the same time, but apparently I was wrong. I may be considering starting investing into a s&s LISA.

@Exceldividends you were wrong and yeah, definitely consider it

Not in the long run according to historical records

No... But you need to add some additional shares when market dipped...then it will work best

Video coming out Monday at 5pm where I do invest into one.

One for the next video!

Max for LISA is 4K a year and comes off my ISA limit, pointless to me tbh. But thanks for the suggestion.

@Exceldividends well the point is you get 25% bonus on anything you put in which is brilliant if you’re saving for buying a house or simply just for retirement. And because you took your money out you lost that bonus and essentially got a 6.75% fee taken from what you put in. If you max it out every year that’s an extra £1k a year to your net worth you get free from the government

@@albertwarren6917 Something I might consider, the main reason I was not using it was due to the previous ISA rules where I would only be able to use the LISA and not a stocks and shares ISA also.

@Exceldividends That was actually a common misunderstanding of the ISA rules. You’ve always been able to pay into a LISA and a Stocks and Shares ISA at the same time, it’s just if you decided to pay into one LISA you couldn’t pay into another LISA in the same tax year. And same with the stocks and shares ISA, if you decided to pay into one stocks and shares ISA you couldn’t pay into another stocks and shares ISA in the same tax year. The new 2024 rules just basically mean you can pay into multiple LISA’s or multiple Stocks and Shares ISA’s etc in the same tax year. Of course making sure that your total contributions across all your ISA’s doesn’t exceed £20k a year.

Yes, made a note of it at the end of the video, not something I track regularly and forgot about in this video.

Thank you!

Very true! The OGs

There’s loads of ETFs, would’ve taken me hours to go through them all. Maybe for another video I’ll go over some lesser known options. I went over the top on trading 212 when you search for an s&p 500 etf. Thanks for the suggestion though.

@ To be honest what you’re doing is great! Keep it up! Just thought I would mention this one as the 0.03% expense ratio is the only one I see that is the same as the one the Americans are investing into (VOO)!

Has a higher spread than VUAG tho ​@@2manarmy464

Sppy>spxl

Both are welcome in my portfolio.

huge overlap if you do as US stock is 65% of the worlds stock market anyway so if u buy an all word etf ur buying the s n p 500 anyway.. then uv got s n p 500 as well uv got same companies in both

Thanks for the comments! Maybe I’ll do a revised version of this in the future :)