Watching the crypto market's ups and downs shows how quickly things can change. The recent misinformation incident reminds us that external factors can shake things up. In crypto, strategic, informed trading isn't a choice; it's a must. Remember, caution is as crucial as ambition here. Stay alert, diversify, and let's ride this unpredictable market together. At the core is Walter James , whose deep understanding of crypto and traditional trading is key. His all-encompassing investment approach and staying updated on trends make him a valuable ally in this crypto era…
The process of trading can be complicated when you have limited knowledge. However, with the right strategy and setups, you can be successful. That's the whole point of investing.
Interesting!! I'm so excited, seeing mr Walter, being mentioned here because his strategies have also normalized winning trades for me. and it's a huge milestone for me looking back to how it all started.
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Belinda dawn
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
To be honest, I have never been interested in investing and know nothing of the subject, but these videos are so informative and well explained that I am going to have a go at a Stocks and Shares ISA!
You should contribute to your funds diligently, or better still look into financial planning don't come to youtube for advise, consult a Local or trusted online broker/ planner>>
I keep learning more about stocks everyday, I’m putting eleven percent earnings into my individual account with an intelligent investor and I’m cashing up some stocks at a cheaper price.
l've been getting suggestions to use a proper enlightened top tier, please help, I will settle for a similar term just to ensure I get it right this time.
I understand the whole fin-market experience isn’t for everyone, that’s why personally, my holdings decisions are on a top tier construct. the safest way to be on green.
Start today, reap tomorrow. Every small investment is a step towards your mountain of dreams. Keep this in mind as you embark on your investment journey. Every step counts!
Earning effectively is all about making smart investment choices and committing your resources to legitimate and secure platforms. It's crucial to do thorough research and due diligence before diving in.
Tyler Dav FX possesses a deep understanding of the market trends and demonstrates exceptional analytical skills in making sound trading decisions. He is proactive. detail-oriented, and has a proven track record of delivering successful outcomes for his clients.
Great video! I really do have a quick question. For someone with less than $10,000 to invest, How would you recommend we enter the market? I am looking study some traders and copy their strategy rather than investing myself and losing money emotionally. Whats your take on this approach?
I successfully trade in my own portfolio, and also follow others because I'm interested in their strategies. I realized I've got better at managing the trader's strategies too. There's nothing wrong at all with having someone far more dedicated manage some of your portfolio.
To be 100% honest with you. I had the same question 4 years ago. I was confused as heck. Now copying other traders for over 3 years, I would like to tell you, YES copy trading is a good approach. Just keep in mind that the success of copying another trader lies in their transparency. Make sure you know who you are dealing with before copying them. My two cents. Goodluck!
Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
Hi Pete, love the content as always, would you be able to do a video on how to be as tax efficient as possible in retirement years? That would be extremely helpful. Many thanks!
The best simple explanation of inflation I've heard. I've shared the video with my nephew and nieces who are starting off in life as professionals. Thanks. KeepSmiling ☺️🌺
A suggestion for the next video "How your money is protected". Should that £1 million in the title be split over twelve platforms? How are pensions, which could easily exceed £85000 protected ? Hopefully things have moved on since the days of Robert Maxwell, and Bernie Madoff but what rules do we have to be aware of ?
Love the videos and advice, and podcast! Quick question - my wife and I moved from the UK to NZ a few years ago (I'm Kiwi, she's British) - I don't believe we can open an ISA account from abroad, and there is no equivalent here. Do you have advice for those of us watching on internationally?
Quite agree. I left school forty years ago with no idea how to even write a cheque, let alone more complex matters. Was hoping things may have improved
They are Amaran tube lights, T2c and T4c. Also I have a couple of Aputure MC4’s on the shelves behind me. Thanks for the kind words - I’ve built the equipment up over a long time!
Great video. I've been investing since 2018 . But like to keep up with ideas. Probably won't get an answer but . Invested in Smithson at ipo launch was doing fantastic at one point 80%. Now at 30% still happy at that but keep seeing a few comments saying it's a dog of a fund. Opinions please 😁😉
If you dont have many savings, at what point does using an isa become beneficial. The £1000 interest limit skews things , doesn't it?? Thanks pete and crew
Crystal Ball required. Until recently Money Saving "Expert" kept saying that very few people would exceed the £1000 limit. Now you could do it with around £25000. Less than the price of most new cars. Also consider that a train driver doing a few overtime shifts could easily reach the higher tax threshold where the limit drops to £500.
Hi, I am now one year past retirement in the UK and happily continuing to work, my company pays 3X what i pay into my pension each month, i am in a DB pension, i am happy to continue working but will it be for the tax man? Cheers and thanks for a great vlog.
Maybe it will be for the tax man. One has to ask, if you have ‘enough’ why you would continue working. The answer, usually, is because you love what you do. Do you?
Dear Pete. Would you mind answering a quick question for me? If someone was to pay in a lump sum of 20k into a S&S ISA in any given tax year then does that mean they couldn’t then set up a direct debit as this would take them over their allowance?
That’s right. Unless the DD started in the new year. So it’s April 4th while I’m typing this. If you paid in £20k lump sum into your ISA now, as long as the DD stared after April 6th, you’d be fine
Certain allowances, for example the ISA allowance, reset each year. So if you don’t use them by April 5th then those allowances are ‘lost’. That’s why there’s always a rush to get certain payments made around this time of year.
Hi, i have a tricky situation for you, I am 68 this year, so couple of years into retirement, only have state pension and a tiny P/Pension, would i be able to invest say 30 a month via D/Debit ? now here's the tricky part i live in Spain but still have the tiny pension paid into UK bank account, Is this viable or out of the question ? . Thanks any advice greatly appreciated.
Are you withdrawing from your private pension? If so, wouldn't you be better off just reducing your withdrawals by 30 a month and keeping that extra money invested in your pension?
@@winstonsmith3690 An ISA account is something you can put up to £20k into per tax year (currently) and any gains within it are free from tax. So you can buy the same stocks and shares in an ISA as you can outside of an ISA, but if you buy outside of an ISA and make too much money then you'll need to give the tax man a cut.
@@winstonsmith3690stocks and shares inside a stocks and shares ISA are sheltered from capital gains tax, but holding stocks and shares in a General Investment Account (GIA) will incur taxes on any gains made when you sell.
I’m curious as to why you are advising setting up a direct debit when it should be a standing order. DDs are for when a company is claiming money from you and they can choose how much, so are normally used for utility bills etc. When an individual is sending money and wants to control the amount you use a Standing Order.
While that's true technically, many providers will pull the money by direct debit and may not give you the option. You are covered by the Direct debit guarantee though, and with any modern provider you can log in at any time and change the amount being contributed, so practically, it makes little difference
@@MeaningfulMoney SOs are far more manageable though, I don’t have anything of this ilk going out by DD. I can change an SO the day before it’s due to debit my account, or even cancel it for a month the day before. DDs by nature of being claimed by the company are far less manageable.
I'm 55 this year and have a private pension that's only worth £15,000. I have a few thousand in savings and thats it. I work self employed and earn around 40,000 a year. No mortgage I rent but have no major debt. Just the normal vehicle on finance and a credit card. As I'm turning 55 it's worrying I haven't saved more but through bad decisions and life in general I am where I am. Any ideas how I can build up more money over the next ten years ? To make what I have grow and to invest more monthly into something that would help me .
Worry not - you have time, but you will need to tighten the belt and get laser-focused. This might help: th-cam.com/video/F3nHXTlMgs4/w-d-xo.htmlsi=7Lb5pvozJ07Qv9jf
A LISA is good for saving for your first home. Beyond that, putting more in your pension is usually a better option. Higher rate tax payers are better off contributing the extra to their pension over a LISA, as the tax saving is greater than the government bonus on a LISA. Basic rate tax payers will see the same benefit between contributing to a pension and contributing to a LISA (i.e. to put £5k in the pot you could either put £4k in a LISA and gov grosses up to £5k, or put £5k in a pension and tax saving nets the cost down to £4k, even result either way). So you probably haven't missed much 👍
@@MPD90I'd say LISA is better for basic rate payers as a pension vehicle as it's 100% tax free on withdrawal. Still good to contribute to work pension too for employer match.
@@shellyperera2010 Personally I'd disagree. LISA you pay the income tax before you put it in, pension you pay the income tax after you withdraw it. Plus with the pension you'll only pay the tax on 75% of it when you withdraw, due to the 25% tax free amount. Lots more options for how you invest a pension also. But each to their own, neither is a bad option.
You’d likely have to sell the shares and re-buy them in the ISA. Need to check with Centrica who offer the Flexishare account - they may offer an ISA themselves…
This is great. Very clearly and concisely explained. But my question would be: why are you only suggesting these two options: stocks and shares ISA or Lifetime ISA. Why not SP 500? Isa s are for people who want to save on tax. Most of us ordinary mortals will not be saving/investing enough to pay tax. Plus Lifetime Isa is only for people up to 40...
Listen to the video again, the options, once you open an ISA on your chosen platform, then you must choose the fund or funds you want to put your money into, ie in your case the S&P 500. Just make sure the platform you choose has the S&P500 on it as platforms do differ.
First of all the S&P 500 is an index which you can invest in through a fund that tracks it. It’s not an alternative to an ISA. An ISA is a tax wrapper that gives you the platform to invest in a fund - for example the S&P 500. And the reason it’s important is because all capital gains and all income from that fund is tax free, forever. You might not think that’s important now but as your investment grows over time, you would likely pay tax on your investment gains if it’s not in an ISA. So why would you not choose an ISA??!
Watching the crypto market's ups and downs shows how quickly things can change. The recent misinformation incident reminds us that external factors can shake things up. In crypto, strategic, informed trading isn't a choice; it's a must. Remember, caution is as crucial as ambition here. Stay alert, diversify, and let's ride this unpredictable market together. At the core is Walter James , whose deep understanding of crypto and traditional trading is key. His all-encompassing investment approach and staying updated on trends make him a valuable ally in this crypto era…
he’s active on TE,LE,GR,AM....
@Gainwithwalter7
Walter James Henry expertise is truly commendable. he has this knack for making complex crypto concepts easy to understand.
The process of trading can be complicated when you have limited knowledge.
However, with the right strategy and setups, you can be successful. That's the whole point of investing.
Interesting!! I'm so excited, seeing mr Walter, being mentioned here because his strategies have also normalized winning trades for me. and it's a huge milestone for me looking back to how it all started.
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Belinda dawn
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
Isn't that the same Belinda dawn that my neighbors are talking about, she has to be a perfect expert for people to talk about her so well.
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
She's on the telegrams
MITCHELL110 💯..that's it
To be honest, I have never been interested in investing and know nothing of the subject, but these videos are so informative and well explained that I am going to have a go at a Stocks and Shares ISA!
You should contribute to your funds diligently, or better still look into financial planning don't come to youtube for advise, consult a Local or trusted online broker/ planner>>
Walter James Henry is highly recommended
he’s active on TE,LE,GR,AM....
@Gainwithwalter7
I keep learning more about stocks everyday, I’m putting eleven percent earnings into my individual account with an intelligent investor and I’m cashing up some stocks at a cheaper price.
Good profit and a safe consistent trade. It just an equipped workforce put together.
l've been getting suggestions to use a proper enlightened top tier, please help, I will settle for a similar term just to ensure I get it right this time.
I understand the whole fin-market experience isn’t for everyone, that’s why personally, my holdings decisions are on a top tier construct. the safest way to be on green.
Frost Hilda is simply exceptional incurring great interest.
Is this a good time to buy stocks? How do I go about it the right way. I’d love to use same terms as yours John.
Start today, reap tomorrow. Every small investment is a step towards your mountain of dreams. Keep this in mind as you embark on your investment journey. Every step counts!
Earning effectively is all about making smart investment choices and committing your resources to legitimate and secure platforms. It's crucial to do thorough research and due diligence before diving in.
I've been trading but incurred some losses please how do I find an expert to guide me through 😢
Tyler Dav FX possesses a deep understanding of the market trends and demonstrates exceptional analytical skills in making sound trading decisions. He is proactive.
detail-oriented, and has a proven track record of delivering successful outcomes for his clients.
Money invested is far better than money saved when you invest it gives you the opportunity to increase your financial worth.
I've always been told that Trading with an expert has it advantage but I have no idea how to find one. how do I please?
Great video! I really do have a quick question. For someone with less than $10,000 to invest, How would you recommend we enter the market? I am looking study some traders and copy their strategy rather than investing myself and losing money emotionally. Whats your take on this approach?
I successfully trade in my own portfolio, and also follow others because I'm interested in their strategies. I realized I've got better at managing the trader's strategies too. There's nothing wrong at all with having someone far more dedicated manage some of your portfolio.
To be 100% honest with you. I had the same question 4 years ago. I was confused as heck. Now copying other traders for over 3 years, I would like to tell you, YES copy trading is a good approach. Just keep in mind that the success of copying another trader lies in their transparency. Make sure you know who you are dealing with before copying them. My two cents. Goodluck!
Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
Credits goes to Kathy Lynn Noll , one of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.
"You get paid, ut goes out" i think this is the most important advice here. After not long you start to look forward to adding to the savings pot
It’s true, though many would struggle to believe it!
Hi Pete, love the content as always, would you be able to do a video on how to be as tax efficient as possible in retirement years? That would be extremely helpful. Many thanks!
Very helpful! Thanks Pete.
Glad it was helpful, cheers!
I love the commitment to Crew clothing… 😅
I really should approach them for sponsorship!
Thank you for another informative video
The best simple explanation of inflation I've heard. I've shared the video with my nephew and nieces who are starting off in life as professionals. Thanks. KeepSmiling ☺️🌺
Thanks for sharing! Glad it was helpful…
So important to get these ideas across, great work 👍
Thank you 👍🏻🙏🏻
Thank you for a great video.
You’re welcome - cheers!
A suggestion for the next video "How your money is protected".
Should that £1 million in the title be split over twelve platforms? How are pensions, which could easily exceed £85000 protected ? Hopefully things have moved on since the days of Robert Maxwell, and Bernie Madoff but what rules do we have to be aware of ?
Hi Pete. Could you do a video on the changes to early retirement age from 2028 and the implications for those wishing to retire early? Thanks
Best video I've seen on this stuff. Clear, concise and reassuring.
Very kind - thank you! 👍🏻
Love the videos and advice, and podcast! Quick question - my wife and I moved from the UK to NZ a few years ago (I'm Kiwi, she's British) - I don't believe we can open an ISA account from abroad, and there is no equivalent here. Do you have advice for those of us watching on internationally?
sound advice chap ,, basic finance common sense which should be taught to kids when in school ,, :))
Cheers - thanks for watching. And yes, totally agree - everyone should be taught the basics from school age on up..
Quite agree. I left school forty years ago with no idea how to even write a cheque, let alone more complex matters. Was hoping things may have improved
@@fanfeck2844they haven't! My kids were taught nothing about saving and investing at school/college or uni.
Dear Pete, could you do a video covering the pros and cons of the various platforms and Apps for socks and shares ISAs for 2024?
Possibly. Check out the Money to the Masses website and also Boring Money
What's the best approach to get started? and how long do I wait before the lnvēstment can y!eld profits?
Video shared on my facebook. Feels like a public service that is missing in the grand scheme of what we all need to know. Great stuff Pete and team
Thank you! Really appreciate the share!
I've just done the same 🙂
Pete, bit off topic here but what are the lights you have in the background? Office looks great!
They are Amaran tube lights, T2c and T4c. Also I have a couple of Aputure MC4’s on the shelves behind me. Thanks for the kind words - I’ve built the equipment up over a long time!
@@MeaningfulMoney thank you!
What is the best way to start investing as a person in their early 50's. Stocks seem too slow, and something that should have begun in your 20's
Great video. I've been investing since 2018 . But like to keep up with ideas. Probably won't get an answer but . Invested in Smithson at ipo launch was doing fantastic at one point 80%. Now at 30% still happy at that but keep seeing a few comments saying it's a dog of a fund. Opinions please 😁😉
Smithson? Not sure I know that one. Feel free to share a link
If you dont have many savings, at what point does using an isa become beneficial. The £1000 interest limit skews things , doesn't it?? Thanks pete and crew
Crystal Ball required. Until recently Money Saving "Expert" kept saying that very few people would exceed the £1000 limit. Now you could do it with around £25000. Less than the price of most new cars. Also consider that a train driver doing a few overtime shifts could easily reach the higher tax threshold where the limit drops to £500.
Hi, I am now one year past retirement in the UK and happily continuing to work, my company pays 3X what i pay into my pension each month, i am in a DB pension, i am happy to continue working but will it be for the tax man? Cheers and thanks for a great vlog.
Maybe it will be for the tax man. One has to ask, if you have ‘enough’ why you would continue working. The answer, usually, is because you love what you do. Do you?
Dear Pete. Would you mind answering a quick question for me? If someone was to pay in a lump sum of 20k into a S&S ISA in any given tax year then does that mean they couldn’t then set up a direct debit as this would take them over their allowance?
That’s right. Unless the DD started in the new year. So it’s April 4th while I’m typing this. If you paid in £20k lump sum into your ISA now, as long as the DD stared after April 6th, you’d be fine
Wish I had been able to use a Lifetime ISA but unfortunately I turned 40 just before they came into existence 😭
What does the end of tax year mean? Why is it significant to invest during this time?
Certain allowances, for example the ISA allowance, reset each year. So if you don’t use them by April 5th then those allowances are ‘lost’. That’s why there’s always a rush to get certain payments made around this time of year.
Hi, i have a tricky situation for you, I am 68 this year, so couple of years into retirement, only have state pension and a tiny P/Pension, would i be able to invest say 30 a month via D/Debit ?
now here's the tricky part i live in Spain but still have the tiny pension paid into UK bank account, Is this viable or out of the question ? . Thanks any advice greatly appreciated.
Are you withdrawing from your private pension? If so, wouldn't you be better off just reducing your withdrawals by 30 a month and keeping that extra money invested in your pension?
You can’t pay into a UK pension if you’re non-resident, I’m afraid
What's the difference between a stocks and shares isa and just stocks and shares?
@@winstonsmith3690 An ISA account is something you can put up to £20k into per tax year (currently) and any gains within it are free from tax. So you can buy the same stocks and shares in an ISA as you can outside of an ISA, but if you buy outside of an ISA and make too much money then you'll need to give the tax man a cut.
@@winstonsmith3690stocks and shares inside a stocks and shares ISA are sheltered from capital gains tax, but holding stocks and shares in a General Investment Account (GIA) will incur taxes on any gains made when you sell.
I’m curious as to why you are advising setting up a direct debit when it should be a standing order. DDs are for when a company is claiming money from you and they can choose how much, so are normally used for utility bills etc. When an individual is sending money and wants to control the amount you use a Standing Order.
While that's true technically, many providers will pull the money by direct debit and may not give you the option. You are covered by the Direct debit guarantee though, and with any modern provider you can log in at any time and change the amount being contributed, so practically, it makes little difference
🙈🙈🙈
@@MeaningfulMoney SOs are far more manageable though, I don’t have anything of this ilk going out by DD. I can change an SO the day before it’s due to debit my account, or even cancel it for a month the day before. DDs by nature of being claimed by the company are far less manageable.
£5 for a beer ? My first was 39p 😂
I paid 11p a pint back in 1973.
26p here.
Should I be worried that I can’t remember how much my first pint was?!
@@Lookup2Wakeup equivalent to £1.15 nowadays!
@@MeaningfulMoney You probably got too drunk to remember!
I’m a beginner taking baby steps gingerly and I’m already up like ~11k in one month from investing in VGT and NVDA
No idea what VGT and NVDA and 11k is balling if we're talking £/$ etc so nice one not a begineer
Both stocks are down of recent.. quit lying.
I'm 55 this year and have a private pension that's only worth £15,000. I have a few thousand in savings and thats it. I work self employed and earn around 40,000 a year. No mortgage I rent but have no major debt. Just the normal vehicle on finance and a credit card. As I'm turning 55 it's worrying I haven't saved more but through bad decisions and life in general I am where I am. Any ideas how I can build up more money over the next ten years ? To make what I have grow and to invest more monthly into something that would help me .
Worry not - you have time, but you will need to tighten the belt and get laser-focused. This might help:
th-cam.com/video/F3nHXTlMgs4/w-d-xo.htmlsi=7Lb5pvozJ07Qv9jf
Had no clue about a LISA and missed the age limit
A LISA is good for saving for your first home. Beyond that, putting more in your pension is usually a better option. Higher rate tax payers are better off contributing the extra to their pension over a LISA, as the tax saving is greater than the government bonus on a LISA. Basic rate tax payers will see the same benefit between contributing to a pension and contributing to a LISA (i.e. to put £5k in the pot you could either put £4k in a LISA and gov grosses up to £5k, or put £5k in a pension and tax saving nets the cost down to £4k, even result either way). So you probably haven't missed much 👍
Ah, that’s a shame. Never too late to still make progress with this stuff though…
@@MPD90I'd say LISA is better for basic rate payers as a pension vehicle as it's 100% tax free on withdrawal. Still good to contribute to work pension too for employer match.
@@shellyperera2010 Personally I'd disagree. LISA you pay the income tax before you put it in, pension you pay the income tax after you withdraw it. Plus with the pension you'll only pay the tax on 75% of it when you withdraw, due to the 25% tax free amount. Lots more options for how you invest a pension also. But each to their own, neither is a bad option.
Can I transfer from a flexishare account to a stocks and shares isa?
You’d likely have to sell the shares and re-buy them in the ISA. Need to check with Centrica who offer the Flexishare account - they may offer an ISA themselves…
You’re so handsome 🙈🙈🙈
Aw, fanks!
This is great. Very clearly and concisely explained. But my question would be: why are you only suggesting these two options: stocks and shares ISA or Lifetime ISA. Why not SP 500? Isa s are for people who want to save on tax. Most of us ordinary mortals will not be saving/investing enough to pay tax. Plus Lifetime Isa is only for people up to 40...
Listen to the video again, the options, once you open an ISA on your chosen platform, then you must choose the fund or funds you want to put your money into, ie in your case the S&P 500. Just make sure the platform you choose has the S&P500 on it as platforms do differ.
First of all the S&P 500 is an index which you can invest in through a fund that tracks it. It’s not an alternative to an ISA.
An ISA is a tax wrapper that gives you the platform to invest in a fund - for example the S&P 500.
And the reason it’s important is because all capital gains and all income from that fund is tax free, forever. You might not think that’s important now but as your investment grows over time, you would likely pay tax on your investment gains if it’s not in an ISA.
So why would you not choose an ISA??!
You can buy S&P500 inside your ISA
I love paying tax, that’s why I don’t use an ISA said no one ever 🙄
Simply buy an index fund (S&P500 if you so desire) and put it in your ISA.
Thank everyone for your answers to this comment - couldn’t have said it better myself!
A beer will cost 0.00004 bitcoin in future
This!!! Also you can buy MicroStrategy and put it in your ISA. Which is as a good as (if not better than) buying bitcoin
Beer has intrinsic value, bitcoin doesn't...I'll have beer please.
@@kw8757 you'd be the pizza guy
@@kw8757 To be fair, currency has no intrinsic value either since the gold standard was abolished. Not that I'm a bitcoin fan.
You may well be right