@@ethanlee-c3dyou dont have as high a risk appetite than him so you see it as a mistake, personally i'd have put in more from closing my other holdings and redistributing later when the market settles.
I started in 2022 and my portfolio spent most of the year in the red. Glad I stuck it out as it just made the upside, when it arrived in 2023 all the sweeter! 😊😊😊
Afaik You can sell that s&p500 gia shares for a loss. Then immediately buy a different etf with that money. This gives you a cgt loss as long as you don't buy back the exsct same ETF within 30 days. You can subtract that loss from any CGT gain you make this tax year
@Dr.JubairsFinance 100k in a GIA will probably need a self assessment tax return? But I do not think it is always necessary because you just subtract the loss from the gains when selling. If under 3k total gains there is no CGT to pay
Jubair..I think you should have put invested 50k and the other 50k in your emergency fund...to bolster it. I am 54, though, so, this is the scenario I would follow..but you do have time on your side..so why not go for it..wishing you a great Christmas ..oh, and don't forget to spend a few quid mate..enjoy yourself 😂😂😂😂😂love your videos as well
Hi John, wishing you a great Christmas too. I definitely have an emergency fund too, this is just cash I wanted to get invested anyway, I'm still investing monthly elsewhere!
Question Jubair - when im looking at my T212 the same iShares S&P500 as you mine shows like p2,711.00 when I want it as GBP £ like yours how do I fix it? my primary currency in Settings is GBP
I think this may prove to be a great move. I've over paid this week to take advantage of this dip but nowhere near that level. Keep us posted on the progress
@@Dr.JubairsFinance ahh, I did wonder even after looking through the docs I couldn't see anything. I'm guessing that means it's not as prone to sharp changes in currency
Beginning of last week started isa transfer process from Lloyds cash to Vanguard s&s. The new fees aren’t too onerous and it seems I’ll be buying at the lower point in the market 🤞🤞🤞
Can I create my own sort of ETF in trading 212 - including holdings in Microsoft, Tesla, Nvidia and companies like this with Billion $ market cap or do I have to buy individual shares ?
You can't create your own ETF, as you would need millions of pounds to manage it, but you can create your own pie on Trading 212 and that would have a similar effect
why did the FTSE 100 take a plunge as well? it's been stagnant for the past 6-7 months...i get USA markets effect UK share prices but this is showing signs of complete dependancy
I just have the GIA opened and invested around £2k... Couldn't open the stock and share isa, as I have used all my isa allowance within a fixed cash ISA.... I have around £11k funds earning interest... Would it be wise for me to carry on investing from that.. Or to stop??? I Will be opening a stock and share isa next tax year and transfer £20k over from my Cash ISA to it , and invest £10k straightaway that I have atm within the GIA account??
You can definitely invest in your GIA, but might have to pay tax if you exceed your capital gains and personal savings allowance. However, you can also transfer your cash ISA into Trading 212, if you so wish.
@Dr.JubairsFinance Yep, this is why its probably better to drip feed and average cost down in a toppy market especially as cash on the sidelines still earning circa 4.5%. 😐
Good question, I like it because the currency is hedged. Another bonus is that the share price is low, so you get lots of shares, but obviously share price doesn't impact performance!
@@Dr.JubairsFinance did you put the 100k in your isa in one go that’s all I was asking Respectfully I like your vids watch them all the time by the way
Hi Mathew, I didn't put a £100k in at once, it's not possible in an ISA. This has been 2 years of deposits + an ISA transfer from InvestEngine (£60k). The rest has been realised profits. Hope that explains everything.
Why do you not have individual growth stocks? That's where real money is to be nade long term. S&P will give you average returns. Find 2 or 3 good growth stocks that have solid projected growth and invest in them for the best return of your money long term.
I just think that there is too much risk for me personally in individual stocks. I have a Robinhood account for individual stocks that I've been playing around with too! Have a few other portfolios
@Dr.JubairsFinance You need to learn how to study company earnings reports etc so you can make projections and growth and there potential. Take me for example. I've been buying nivida and Tesla since 2018 and am up more than 3000% now. When you learn how to study a company then it's less risky.
Market is at a all time high. buffet recently sold about 2/3 of his apple position thinking its a better idea to sit on cash. Going in this hard, in one go, is high risk. I don't think holding this investment long-term is a great idea. Anyone agree?
@Usman-fe9cj I don't think investing in stocks is haram. You're giving your money for then to invest In there business. If it does well. Then investors will buy and stock goes up. You'll here compound interest a lot and think it's haram. But it's not as with dividends. Companies are paying you to hold a stock before the ex dividend. It's not interest. So it's not haram.
@@arianagrandefan934 Investing in stocks is not inherently haram in Islam as it involves owning a share of a business and participating in its profits and losses, which aligns with Islamic principles. However, it becomes haram if the company engages in prohibited activities (e.g., alcohol, gambling, riba-based financing) or if the investment involves excessive speculation (gharar). Dividends are permissible as they represent profit-sharing, not interest. Therefore, investing in halal-compliant companies or using Islamic indices like the S&P Shariah Index ensures the investment is aligned with Islamic guidelines.
It’s a reaction across the market because of the federal cuts In America and the announcement that there will be no change for 6 months it’s just a buying opportunity no need to worry
@@scittyboom1989 or beginning to a prolonged downturn given US equities are hugely overvalued and inflation starting to rise. or just a blip in ongoing strong growth. no knows either way, especially with the unpredictability of a trump administration coming in
In future lot of the companies won't be in sp500. Idk why you don't put your money in tesla. Long term it's the best one out there. Disruptive innovation brings the most gains in market. This sp500 and index funds is old school value investing. Now with Internet going g for growth stocks is the best way. I'll never do the old school way..and wouldn't recommend it ever from now on.
@Dr.JubairsFinance nvidia will slow down compare to it's recent bull run. But it'll still bring more gains then the old school value investing. Tesla will bring even more gains. Do research for future sp500 a lot of the companies won't be in there. I'm just all in tesla. As my research on them. I'm fully convinced will bring the highest gains. All the best to ya. But I think in future you'll look back and say my money was better in tesla, apple, Microsoft, nvidia. Them 4 giants alone will bring one more gains then sp500 and index funds.
@ at one point I had 500k in Microsoft, now I diversified a bit but I still have 400k in Microsoft and 100k in arista networks. Diversification won’t build wealth, you have to yolo.
Trading 212 is good for GBP stocks but i wouldn't recommend it for stocks using a different currency using a Stock ISA account because of the high "currency conversion fees" that you are forced to convert when buying and selling, doesnt matter if you want to sell it in USD and keep it to re invest, you are forced to convert it every single time and the fees stack up
Firstly, you should have spent some of the 105k to get yourself a decent haircut! Secondly mate, average in on the way down, especially if the cash is earning 4.9% anyway, the market may have a long way to fall yet 😮😮
@@jackrobinson9940who's 'hateing' now bruh? Dollar cost averaging is always better than lumping in your money at the top of the market. And yeah, don't worry my paycheck can still afford your mom. 🤙
@@bigdawg1353 You obviously have no clue. Research consistently shows that investing a lump sum generally outperforms dollar cost averaging over time, as markets tend to rise in the long term. Lump sum investing allows more of your money to benefit from growth earlier. However, DCA is better suited for those who want to reduce risk, as it spreads out investments over time and minimises the impact of market volatility. If you’re already contributing the maximum you can afford each month, you’re essentially investing a lump sum periodically!
You have guts, lad, fair play. I just added £150. 😂
I'd rather be invested than hold cash really, if there is a real crash, I'll just invest more
guts or a mistake, I would never put that amount in the markets myself
@@ethanlee-c3d neither would I, but I respect anyone that does. We are all on different paths at the end of the day.
😂😂😂😂Amen
@@ethanlee-c3dyou dont have as high a risk appetite than him so you see it as a mistake, personally i'd have put in more from closing my other holdings and redistributing later when the market settles.
Biggest gamble of the year, keep crushing it dog, you got this
Thanks for the support!
Just began investing at 19, invested £500 into the S&P 500 yesterday and today it dipped, this has to be a sign
Getting started is the best part! I started at 27, you're doing amazing!
Lucky to get a dip. You should want it to dip if you’ve got money to invest
I started in 2022 and my portfolio spent most of the year in the red. Glad I stuck it out as it just made the upside, when it arrived in 2023 all the sweeter! 😊😊😊
Yeah sell and never “ invest “ ever again the stock market is a scam. Thank me when your older
@@clarenceishmael9615 Happy for you!
Afaik You can sell that s&p500 gia shares for a loss. Then immediately buy a different etf with that money. This gives you a cgt loss as long as you don't buy back the exsct same ETF within 30 days. You can subtract that loss from any CGT gain you make this tax year
Yes, technically you can, but requires a self assessment form or an accountant.
@Dr.JubairsFinance 100k in a GIA will probably need a self assessment tax return? But I do not think it is always necessary because you just subtract the loss from the gains when selling. If under 3k total gains there is no CGT to pay
Bit hasty buying that much on just a 3% dip
Jubair..I think you should have put invested 50k and the other 50k in your emergency fund...to bolster it. I am 54, though, so, this is the scenario I would follow..but you do have time on your side..so why not go for it..wishing you a great Christmas ..oh, and don't forget to spend a few quid mate..enjoy yourself 😂😂😂😂😂love your videos as well
Hi John, wishing you a great Christmas too. I definitely have an emergency fund too, this is just cash I wanted to get invested anyway, I'm still investing monthly elsewhere!
Was waiting to see what you would do with all that cash. I also invested £1000 today in the S&P so best of luck!
Good luck to you too! Looks like the S&P 500 has done well at the end of this week, all things considered
2% is a red day not a crash 😂
Starting to really invest in knowledge, appreciate your content man, fast becoming one of my favourite channels, useful information 👊
Thank you Jamie!
Question Jubair - when im looking at my T212 the same iShares S&P500 as you mine shows like p2,711.00 when I want it as GBP £ like yours how do I fix it? my primary currency in Settings is GBP
I'm pretty sure you're not looking at the same fund, maybe you are looking at the IUSA?
@@Dr.JubairsFinance Yeah it was a different one IITU (don't have a clue what it stands for but found right one) GSPX
What’s the difference between icore and vanguards S&P etf ? Which one should you invest in to track US market best
Too many factors to tell you which is better, I don't think you can make a mistake with going with either or.
Go with SPX5 it has lower fees than vanguard 0.3%
What’s the ticker symbol for that ishares core S&P 500 you invested in…I can’t find any around £10 per share as your account shows, thanks
GSPX
Number of shares makes no difference
I think this may prove to be a great move. I've over paid this week to take advantage of this dip but nowhere near that level. Keep us posted on the progress
Will keep you posted, today it dipped further but I'm happy that I got all of my cash invested, and will continue to invest further monthly.
Jubair, side q - do you prefer the S&P 500 vs GPSA (or SASU in USD), "iShares MSCI USA ESG Screened", and if so, why? Beats the S&P500 since 5+ years.
Ohh, I prefer the normal S&P 500. Haven't really looked into the SASU tbh, very heavily weighted towards Nvidia
Just wanted to know because I have 10k in Halifax but wanted to transfer but I do not want the headake from 212 so just abit curious
Not sure if I understand the question, if there is one.
What's the difference between gspx and iusa? They seem the exact same other than iusa is lower on fees
GSPX is a currency hedged ETF
@@Dr.JubairsFinance ahh, I did wonder even after looking through the docs I couldn't see anything. I'm guessing that means it's not as prone to sharp changes in currency
Beginning of last week started isa transfer process from Lloyds cash to Vanguard s&s. The new fees aren’t too onerous and it seems I’ll be buying at the lower point in the market 🤞🤞🤞
May be working in your favour then!
Can I create my own sort of ETF in trading 212 - including holdings in Microsoft, Tesla, Nvidia and companies like this with Billion $ market cap or do I have to buy individual shares ?
You can't create your own ETF, as you would need millions of pounds to manage it, but you can create your own pie on Trading 212 and that would have a similar effect
You can create a pie with stocks of your choice.
why did the FTSE 100 take a plunge as well? it's been stagnant for the past 6-7 months...i get USA markets effect UK share prices but this is showing signs of complete dependancy
UK interest rates also stayed the same
Time in the market always beats timing the market, you will lose more with this strategy
Most likely yes!
I just have the GIA opened and invested around £2k... Couldn't open the stock and share isa, as I have used all my isa allowance within a fixed cash ISA.... I have around £11k funds earning interest... Would it be wise for me to carry on investing from that.. Or to stop???
I Will be opening a stock and share isa next tax year and transfer £20k over from my Cash ISA to it , and invest £10k straightaway that I have atm within the GIA account??
You can definitely invest in your GIA, but might have to pay tax if you exceed your capital gains and personal savings allowance. However, you can also transfer your cash ISA into Trading 212, if you so wish.
@Dr.JubairsFinance yes I know I can but it's a one year fixed cash isa...
I was hoping the S&P would go down a bit further today so I could lump in
Same, but I'm not risking it!
Out of interest, hows that £105,800 looking today (10th Jan)?
Less than £104,000 😭
@Dr.JubairsFinance Yep, this is why its probably better to drip feed and average cost down in a toppy market especially as cash on the sidelines still earning circa 4.5%. 😐
What a foolish move to make. Putting such a large sum in at once is stupidity.
Hold tight. It will bet back up before next week.
Quite possibly, but nobody knows for sure
Why do you like the gspx😊
Good question, I like it because the currency is hedged. Another bonus is that the share price is low, so you get lots of shares, but obviously share price doesn't impact performance!
I chucked 3k onto sofi this week so bad timing but whatever.
Oops
just discovered this channel.
was curious about context re your portfolio, what's your age and what field are you in?
Welcome!
Im 30 and I used to be in academia (PhD Mechanical Engineering/Biomedical Engineering)
Currently running my content creation business
I don't think it's a big dip, there's more to come I think
Let's watch and see!
Not considering prices were so high to begin with.
I’m sure you can only invest 20k into the isa every year?
How did you manage to invest 100k at once into the isa account?
Am I missing something?
You're missing the fact that you can deposit 20k every year and then sell your stocks and still have cash
@@Dr.JubairsFinance yes I know that but your misleading ppl with the title then because you can just put down 100k at once in the isa I swear ?
Misleading people about what exactly? I'm literally just sharing exactly what I've done.
@@Dr.JubairsFinance did you put the 100k in your isa in one go that’s all I was asking
Respectfully
I like your vids watch them all the time by the way
Hi Mathew, I didn't put a £100k in at once, it's not possible in an ISA. This has been 2 years of deposits + an ISA transfer from InvestEngine (£60k). The rest has been realised profits. Hope that explains everything.
Why do you not have individual growth stocks? That's where real money is to be nade long term. S&P will give you average returns. Find 2 or 3 good growth stocks that have solid projected growth and invest in them for the best return of your money long term.
I just think that there is too much risk for me personally in individual stocks. I have a Robinhood account for individual stocks that I've been playing around with too! Have a few other portfolios
Because 2 or 3 growth stocks could go to zero. Chances on an ETF?
@Dr.JubairsFinance You need to learn how to study company earnings reports etc so you can make projections and growth and there potential. Take me for example. I've been buying nivida and Tesla since 2018 and am up more than 3000% now. When you learn how to study a company then it's less risky.
"collapsed" by 2% 🤣🤣
So are we holding or getting out 😅
Who knows haha
@ it dropped again last night so I had to pull my mums out as didn’t want to risk her capital. I’m still holding though 🤞🏽
by a hair brush, a good investment 😅
Market is at a all time high. buffet recently sold about 2/3 of his apple position thinking its a better idea to sit on cash. Going in this hard, in one go, is high risk. I don't think holding this investment long-term is a great idea. Anyone agree?
It's also a risk to not be invested, just in case the markets go up again
is the s&p not haram
@Usman-fe9cj I don't think investing in stocks is haram. You're giving your money for then to invest In there business. If it does well. Then investors will buy and stock goes up.
You'll here compound interest a lot and think it's haram. But it's not as with dividends. Companies are paying you to hold a stock before the ex dividend. It's not interest. So it's not haram.
@@arianagrandefan934 Investing in stocks is not inherently haram in Islam as it involves owning a share of a business and participating in its profits and losses, which aligns with Islamic principles. However, it becomes haram if the company engages in prohibited activities (e.g., alcohol, gambling, riba-based financing) or if the investment involves excessive speculation (gharar). Dividends are permissible as they represent profit-sharing, not interest. Therefore, investing in halal-compliant companies or using Islamic indices like the S&P Shariah Index ensures the investment is aligned with Islamic guidelines.
Scary.... Not sure why it went down by so much when nothing really happened.
Just institutional investor being themselves, personally I wouldn't worry. But I guess it can be scary.
It’s a reaction across the market because of the federal cuts In America and the announcement that there will be no change for 6 months it’s just a buying opportunity no need to worry
@@scittyboom1989 or beginning to a prolonged downturn given US equities are hugely overvalued and inflation starting to rise. or just a blip in ongoing strong growth.
no knows either way, especially with the unpredictability of a trump administration coming in
Just put it all in eqqq forget over diversifying
will you make a channel about your day job one day? will be interesting to see the life of a doctor
I actually had one, did it for 2 years, nobody cared haha
@@Dr.JubairsFinance ah man im sorry to hear that, people are generally curious what other things youtubers have going on, at least i am.
In future lot of the companies won't be in sp500.
Idk why you don't put your money in tesla. Long term it's the best one out there. Disruptive innovation brings the most gains in market.
This sp500 and index funds is old school value investing. Now with Internet going g for growth stocks is the best way. I'll never do the old school way..and wouldn't recommend it ever from now on.
Hold that thought when Nvidia stops performing, I personally wouldn't want to he caught with money in there, when it happens
@Dr.JubairsFinance nvidia will slow down compare to it's recent bull run. But it'll still bring more gains then the old school value investing. Tesla will bring even more gains.
Do research for future sp500 a lot of the companies won't be in there.
I'm just all in tesla. As my research on them. I'm fully convinced will bring the highest gains.
All the best to ya. But I think in future you'll look back and say my money was better in tesla, apple, Microsoft, nvidia. Them 4 giants alone will bring one more gains then sp500 and index funds.
Bro.....these 'English' stocks are dead!....I focus more on US Stocks....way more profitable!!!!
It dropped £2-3. Hardly a crash.
Should just dump the lot in nvidia and let it ride.
Don't have the guts for that
@ at one point I had 500k in Microsoft, now I diversified a bit but I still have 400k in Microsoft and 100k in arista networks. Diversification won’t build wealth, you have to yolo.
😂😂😂 you’re funny
Nice 😂 your emotions will kill you !! You will get this money back after 10years if lucky 😢
Good boy
Cute guy
What about your ftse 250 holdings?
Sold them ages ago, where have you been lol?
@@Dr.JubairsFinance good call 😂 do you have any UK holdings still?
Wtf !! Moran
thanks, just copied you
Ah, not here to get others to copy, please do it at your own risk!
my 28k account crash by 4k today
Sorry to hear! Might he just temporary though
Trading 212 is good for GBP stocks but i wouldn't recommend it for stocks using a different currency using a Stock ISA account because of the high "currency conversion fees" that you are forced to convert when buying and selling, doesnt matter if you want to sell it in USD and keep it to re invest, you are forced to convert it every single time and the fees stack up
I think the government doesn't let you keep foreign currencies in your ISA
bear market for the next 4 months xD
Lets see!
Firstly, you should have spent some of the 105k to get yourself a decent haircut! Secondly mate, average in on the way down, especially if the cash is earning 4.9% anyway, the market may have a long way to fall yet 😮😮
Stop hateing big dawg. Your defo a brokeiie paying in £150 per month of your pay check and never in your life will see 100k.
@@jackrobinson9940who's 'hateing' now bruh? Dollar cost averaging is always better than lumping in your money at the top of the market. And yeah, don't worry my paycheck can still afford your mom. 🤙
@@bigdawg1353 You obviously have no clue.
Research consistently shows that investing a lump sum generally outperforms dollar cost averaging over time, as markets tend to rise in the long term. Lump sum investing allows more of your money to benefit from growth earlier. However, DCA is better suited for those who want to reduce risk, as it spreads out investments over time and minimises the impact of market volatility.
If you’re already contributing the maximum you can afford each month, you’re essentially investing a lump sum periodically!
@@jackrobinson9940But it’s true he should have waited longer, the downtrend is only just beginning.
Get lost brokieee... go and save your £150 to retire early.. whilst I drive my lambo past you with ur wife with me