Also, don't take advice from the TH-cam comment section if they recommend any individual stocks (companies) or crypto, or name drop a ' 'professional' that they recommend. Stick to the information provided by Toby in his videos. These are most likely bots trying to advertise scams with comments that are designed to look helpful.
Merry Christmas Toby, and thank you for holding my hand this year on my first year using Trading 212 and my stocks ISA. I am up 16% on my ETF and fingers crossed it will be up this time next year. In the words of some I know well “this time next year we will be millionaires” “or on the way” Thanks again for some of the best content on TH-cam
Great video toby , I’ve been banging on to my partner about doing this for sometime, your the reassuring voice she needs , so new year new plan for her 👍🏻👌🏻
Once more mate you have smashed it out of the park with a video that I can share with people to encourage them to get started. My experience though is that people just continue to ignore me (and this topic), as they are too intimidated to learn something new, or just aren't thinking long term/stuck in mental inertia. I don't know how to change this, but my increasing feeling is that you can lead a horse to water...
Nice one as always Toby. I've used your pie. I'm quite late to start investing (I'm 42) but better late than never. I've just switched from Vanguard due to the fees. Started last year.
Thanks Toby. Great guide for the start of the year. Hopefully, it will encourage those who have not yet taken the leap to make their money work harder for their future.
Thank you Toby - The genuine advice you gave in this video in the first 2 minutes, has made me subscribe to you and convinced me to invest - Thank you.
Went with the ftse developed world accumulating, always wondered why rami,Damien,chris prefer this and you prefer the ftse all world. Been investing 4 months so far so good
There’s very little difference between developed world and the all world - it’s about diversification. But remember that the emerging markets only make up about 10% of the equity market anyway.
I have already maxed out my current 20k a year isa allowance (isa with bank...not fantastic returns) but want to now get started on 212....what are the pitfalls other than tax liability of me opening up a standard trading account on 212 and investing a few hundred until the new tax year starts?
That's all you have to worry about really, tax. But if its a small amount then you might not ever make enough to trigger anything like capital gains or dividends anyway. As a curve ball - what about putting money into your pension/ SIPP instead? This could be a very tax efficient way to do things :)
I fancy investing for dividends, but can't see any divi info on apps like T212. Frequency and amounts would be useful. Where is it best to see this before investing?
I find the website justetf.com pretty useful. You can filter and search all kinds of ETFs and get all of that information. You might want to watch a video I did about dividends though :)
As a beginner investor how do we move past just mirroring ETFs used by youtubers such as yourself? Will you be doing a 2025 guide where you invest and provide updates throughout the year to help educate us? Great content thanks
@@TroutMaskReplicaa absolutely and it’s what I’ve done for the past 3 years and will be continuing to do so. I just want to help give people a place to start but I also have given plenty of the tools to help decide 👍👍
@TobyNewbatt Great thanks for the reply. Just subscribed. I've seen you had 5x ETFs made up of various Vanguard Index (on other videos in InvestEngine). Do you have a link to that pie rather than just the own the world FWRG one?
Stupid question time again. I had managed to figure out doing all this and set up regular investing but I can’t see how to automatically transfer money from my bank account into 212 account. I don’t want to manually do this every month. Automate and forget is key. Also I have Life strategy and Global fund with Vanguard can you do a video covering how to transfer these to 212?
In T212 to do automatic investing you need to use a 'pie' - then you turn on autoinvest and set your own contributions e.g. monthly from your bank account. Good idea for a future video I might do a quick one on how to transfer to different platforms.
Loving the videos Toby. I want to get started but I have a question. I have a car loan at 6.1%. It still has over 4 years left to run. Am I better overpaying on this and getting it paid off early before starting to invest or would I be better off in the long term cracking on with investing?
Thank you for the videos! I have just bought my first share in an index fund - yey! Your videos are very helpful for a beginner like me! I do have a quick question - the index fund that I invested in, is it possible to go back into it and set up an auto buy each month? I can only seem to do this when building a pie? Using Trading 212. Thank you and sorry if its a silly question!!!!
@@KirstyLTaylor firstly congrats!! Welcome onboard the investing rollercoaster. Secondly you can only do auto investing using a pie with trading 212. Bit of a pain, but the easiest fix is to setup a pie now, put your index fund in it, then set up your auto invest. If you want to sell your current fund and use that money in the pie you can do that..but it’s up to you 🙏🙏🙏
Hello Toby, what about S&P 500 whats your opinion on that or is the same with the one that you already mentioned, also is the £2000 allownce is monthly or as sson as you heet the £2000 you start paying the 0,07% to 212? Thanks
The S&P 500 is an amazing index, it's the gold standard. However I prefer to be a little more diversified so I'll own the rest of the world too. On your second question - fees for ETFs are built into the fund on a pro-rata basis. You never physically pay them, they are taken out as part of the value you see. For example, if you bought an ETF for £100, and then sell it 12 months later, assuming the stock prices stayed exactly the same, you'd have £999.30. I hope that kind of makes sense. The ISA allowance is £20,000 per tax year, from April 6th every year if that was your other question.
I always wanted to start investing at this is the year ill be doing it and i wanted to ask when investing in VWRP is this something i can invest and leave it to grow for like 10 20 years or isit more like 5 years and move it to something else. One of my mate said i should consider target retirement funds but i started watching your videos and the VWRP is something im considering
Hi Toby is their a way to add money monthly to my pie without the 0-7% charge. Was trying to set up a standing order but see no way to set this up. Thanks
@ Hi Toby thanks for the reply, I know I’m able to send money by bank transfer but I’m unsure where to get the account details like sort code and account number to set up the direct debit? I’m trying to make it automatic without me having to physically remember to send the money each month. Am I missing something?
@@andyv4282 You don't need to add any account number or sort code to setup an auto investing pie on trading 212. You just use the auto invest feature use the easy bank transfer method, which is basically a direct debit. You need to make sure you are using a pie to autoinvest and it should be very easy.
Hi Toby, thank you so much for all your videos! I've opened up an account with Invest Engine using your link. I really appreciate you sharing your knowledge. I firstly read a book called 'Girls that Invest' by Simran Kaur, plus watching many YT videos and Google searches for a few months and now I feel ready. I'm investing long term, 20-25 years. I'm currently 48 and wish I learnt this sooner. I'll share your channel with my daughter. Thanks again!
Toby - great video - very helpful thank you. One question, I know the share value can go up and down and there is no protection like that, but what if the trading platform such as 212 collapses - is there are UK regulatory protection on getting our money out or back (such as the £85K government guarantee on savings accounts). This would be really useful to know as if I'm investing more than this limit I would know to use multiple platforms. Do you have any info on this?
@@salintomy4724 depends what you want to do or buy. Trading 212 has far more options to choose from and offers a free isa but then if you wanted a pension they don’t have one yet.
Hi Toby, how long does it take for the Trading 212 free share to appear? I am in the process of moving from Vanguard to T212 and have done all of the required steps for the free share. Thanks
It’s usually as soon as money is in the account. If it’s a transfer then you might have to wait. Or you could pop a few quid in to make sure so long as that doesn’t mess with any allowances. Also double check you used the code Toby sometimes I have heard people with issues with cookies etc
@TobyNewbatt Hmm, I have added in money through an instant bank transfer and have used the code. When I put the code in it says "you already claimed free shares for your sign up" but I haven't seen anything as of yet. Maybe I need to be more patient 😅
Personally I just like to own the world at its market cap weights. For all I know the UK might have a great few years considering how cheap the market could be argued to be. But feel free to do what you like 👍
I'm living in the UK and having watched this, I've just now noticed that my Vanguard FTSE All-World (Acc) is the European version (VWCE and not VWRP). Would there be any benefit in switching to the RP?
If you’re buying in euros then you are taking on that currency risk. Every time you buy with your pounds you are costing yourself an exchange rate. In the long term I’d prefer to just use pound
@@TobyNewbatt That makes sense, so thanks! I've already used up my ISA annual allocation so I'll have to wait until April as if I sell the euro version, I won't then be able to buy the sterling one. I really do appreciate the reply, so thanks again :) Hopefully, others won't now make the same mistake
Regardless of a fund's currency denomination, investors are only exposed to the currency of underlying assets (here it's USD). Thus you have no additional currency risk compared to someone using VWRP unless Vanguard starts hoarding Euro fund investors' cash rather than investing, against the remit of the fund. The thing of concern is whether or not you're needlessly paying fund/broker conversion charges, but other than that the denomination itself is irrelevant.
@@drummingspain207if its in an ISA you can buy and sell what’s in an ISA whenever you want, only what money you add into the ISA counts towards the allowance.
Hi Toby, appreciate your videos. I have signed up on 212. Question: if I put the full 20k in to 212 stocks isa but leave it sitting as cash can I transfer that money to 212 cash isa so the money is safe compared to most sitting in QMMFs and then transfer back to stocks isa when I’m ready to invest? Or would that count as I’ve already used my limit for that tax year?
Thanks Toby, Sorry to be a pain! Just one more question before I invest! When looking to invest I.e S&P 500 i get a little confused I understand the Acc and diss from your videos but I don’t get why they are different prices? I think a video for us beginners would be very helpful explaining what the difference is between these and also S&P 500, i share technology/ I share core etc.
@@kellychilds3369 Ignore the prices of the ACC and DIST options. They are 2 completely different funds, the share prices don't compare. They have different numbers of shares. All that matters for you is whether you want a dividend or not :) All of this is great content for a more in depth video though on ETFs
@@davidwhitnall9783 always a great question. The short answer, backed up by the data, says you should not try and time the market. If you are a long term investor you will mostly be better off getting it in now. HOWEVER - it all comes down to you and how you’d feel if the market dips etc. if it stops you sleeping or stresses you out then just find a strategy that makes you most comfortable
Hello Toby I used your promo code and I got nothing😪😪. I created the account yesterday after watching ur video. I have deposited funds and I’m only able to see the money I deposited only. What am I doing wrong??
Very weird - can you double check and go to the promo code section now and try manually using TOBY again? So long as you are signed up, deposit at least £1, you will qualify.
Hey Toby - great video. But here's a Q - I'm getting on a bit 🥹 and don't have the luxury of a long-term time frame - maybe 10 years max. Any suggestions?
is there any danger with the platform going under? if you have an account with Invest engine but the company fails or the app gets shut down or something? is that a possibility?
I wouid do some due diligence. Plenty of free videos and advice on TH-cam. Plenty of brilliant books out there . Never invest in something you dont understand. Your money protected up to £85K . Read up about DCA and ETF'S. Good luck ❤
It is a possibility (especially with InvestEngine, because they are not profitable) - but even if that happens, your funds are segregated and will be transferred to another platform if yours fails.
Thanks, you kept it succinct. Others blind with terms and theories that cause confusion. Have made an initial venture into the 'World' pie and so it starts.
If you don't fancy indexing why don't you pick individual stocks to buy? You could come back in a few years and let us know how it worked out for you. Good luck.👍
That’s not how indexing works unfortunately. Make sure you understand it. The weighting is market cap based. It means the biggest companies get the largest portion. The top companies make up 25-30% of the index. With an index fund you can’t over diversify 👍. It’s a myth spread by grifters
@kw8757 yeah. So i was looking into Magnificent 7. Biggest companies like. Amzn, Msft, Meta, Goog, Ely Lily. Was thinking of putting 5-10% in those. And exit based on Monthly MACD crossing its signal line
Season greeting Toby. Just woken up from hangover and watching you in bed on 65inch 4K tv (Samsung) with mug of English Breakfast Tea (PG). All the best for 2025 will be investing in bonds this year (£865)
Hi Toby. I started my investment journey this year putting money each month into the S&P. I can see the long term potential investing has on growing your cash. My dilemma is that I’ve been one of those people that has used an ISA savings account to save money. I can see the wasted opportunity doing this now but unfortunately I was none the wiser at the time because I thought investing was something for professionals or the super wealthy. My question is what is the best way of moving a large amount of funds (25K+) from a cash ISA into a Stocks and Shares ISA. Doing it in one hit isn’t optimal but drip feeding that into a S&P account will take a substantial amount of time also. Any thoughts on what you would consider doing? Maybe a video for those people with large amounts in a cash ISA and are looking to transfer it into the S&P for example.
Trading 212s S&S ISA pays interest on uninvested cash. I would transfer in the whole lot utilizing this and next year's allowance and set up an automated buy. Your uninvested cash will still earn interest similar to your cash ISA.
Who says moving it in one lump sum isn't optimal? Everything I've watched and read says moving it in a lump sum rather than dollar-cost-averaging gives better results over the longer term. You can only do what you are comfortable doing with your hard earned money. But for me it's a case of whack it in ASAP, and up to now, despite the ups and downs I don't regret it. There are also more diversified alternatives to the S&P 500, the US Equity Index Fund represents over 3600 US companies of all capitalisations and was advocated by Jack Bogel, but thats entirely up to you. Good luck for 2025 👍📈
@@JoashD Hi Joash. I transferred my Cash ISA to Trading 212 this year as well when I saw the interest returns compared to my banks rate. The roughly 5% return on that has been good. As we know interest rates are likely to go down so that sort of rate won’t last medium/long term. Transfer if it all eventually into a Stocks and Shares ISA going to give a better return long term but it’s just working out the best way to do it. With talk of a correction, who knows, I’m thinking about waiting for a possible dip and then to invest the bulk. Kinda like what Warren’s doing with his money. I’m not comparing my situation to his, just his cautious approach at the moment. In the meantime I’ll just invest in smaller increments each month as I have been doing this year.
If all the cash is meant for the long-term (5+ years, some more cautious would say 10+ for 100% equities) then the markets are expected to provide a better return than cash. Historically, lump sum investments have beaten drip-feeding the majority of the time. No-one can know what's 'best' this time round until it's happened, nor know how next year's 43% crash/16% gain will impact your investing behaviour. It's this final point (avoiding emotional inveator behaviour) which will ultimately have the greater bearing on future wealth rather than lump sum or drip-feeding of £25k.
Is property not the best option If you have a large pot of cash? I bought a house in Belfast for 88k in 2017. Now worth 220k, mortgage of 46k ~ £440 a month, currently renting for 1150. For the initial outlay of 22k + fees i have made 150k in equity + 4.5k a year in rent after bills including mortgage, insurance etc. My 16k isa has made me 1200 in 3.5 years. My gold coins have appreciated faster!
Over the long run stocks have beaten property by an enormous margin. You just need to look at the data. Property has done well during certain time frames with zero interest rates but there’s no free money anywhere. On your isa I am presuming you are talking about a cash IsA? Whatever you have there you are being taken for a ride. Use your isa for the better. All tax free. Property has so many make hidden costs you need to factor in
@TobyNewbatt it's a vanguard stocks and shares isa. I put 250 a month in after putting 3k in to open it. Just cehcked and ive made 1860 since it opened. With my first property, for 22k I have made, in total, nearly 200k, if I total the rental income and equity. Don't think any mainstream stocks are doing 900%. I also don't have to do anything. Its completely managed for me and dont know what tax your talking about other than income tax. When the mortgage is paid in 9 years, completely by rental income, it will be worth 300k and I will have made 80-100k over 16 years in rent after tax. So for 22k in 16 years I'll have made close to 400k. My tax bill on this property is through personal income tax and = 7.5k a year. Stamp duty is expensive but I won't pay that unless I buy another house. Sorry, I just cant see the math you all talk about or even an example that's better than the one I've detailed if you could show one? I bought another house in 2022. 147k now worth 200k and renting for 950 mortage is 612. After bills I make £60 a month but again I don't pay anything and it just goes up in value. Stamp duty was 5.5k. If I sold today I'd make around 35k after capital gains. 2 years for 35k with 40k invested - again i can't see any stock examples beating this if you can share one. I would sell up tomorrow
Would you have any examples or direct me to the 'data' your talking about? If i sell up, my CG tax is 19k so I'll have made 120k from 22k in 7 years plus the 7 years rental income. If you have a stocks example that beats that I'd sell up today! I'm really not trying to catch you out btw. Buying the first house was easy buying my 2nd house took 18 months and it only makes 60 a month after all my bills but has still went up in value by 25% since Feb 2022. Is Northern Ireland just a different market atm?
@ there’s tonnes of data you can start here if you like: awealthofcommonsense.com/2021/05/200-years-of-asset-class-returns/ This shows long term returns across more than 2 centuries for all asset types. Doesn’t mean you didn’t make money in your personal situation. Property is highly illiquid, can’t be protected inside a pension or an ISA and has maintenance costs that get forgotten about 😀. It’s a liability and an asset at the same time
Yes true. But past performance is totally irrelevant when investing for the future 👍. It’s a lesson we all need to learn but nobody listens to unfortunately. If you chase the hottest stocks and trends you’ll end up like everyone else - underperforming massively! 👍👍. Also you own all the big stocks in any index fund -
Also, don't take advice from the TH-cam comment section if they recommend any individual stocks (companies) or crypto, or name drop a ' 'professional' that they recommend. Stick to the information provided by Toby in his videos.
These are most likely bots trying to advertise scams with comments that are designed to look helpful.
I wish Google would do something about these.
I hate this bots so much I even have the filters turned on and it does nothing at all. Takes me all day to keep blocking and reporting them
Buy Berkshire Hathaway A series
@@TobyNewbatt I keep reporting them, I just can't stand these scammers.
@@TobyNewbatt its like a whole syndicate lols
Good timing, for the last few weeks my youngest Nephew has asked me to explain how to invest his pocket money. Am going to start with this video.
Hope this helps!
Trading 212 got me into investing in 2020. It was a rough ride, but I have zero regrets. Thank you for the video Toby!
haha yes it has been a bumpy ride but I'm sure you are glad you started :)
@@TobyNewbatt It's the second best decision in my life :)
I’m a “seasoned” investor but I’ve just recommended this particular video to my mate just now
Always grateful thank you! I want to try and keep as much as simple as possible as you know investing can get really complicated! 👌👌👌
Merry Christmas Toby, and thank you for holding my hand this year on my first year using Trading 212 and my stocks ISA. I am up 16% on my ETF and fingers crossed it will be up this time next year.
In the words of some I know well “this time next year we will be millionaires” “or on the way”
Thanks again for some of the best content on TH-cam
Thank you!! And good luck
Which stocks did you invest in ?
Thanks for all the content you made this year, Toby! Wishing you and yours every happinesss in 2025.
Adrian thank you for your support and massive contribution to the community via the comments - it does not go unnoticed :)
Great video toby , I’ve been banging on to my partner about doing this for sometime, your the reassuring voice she needs , so new year new plan for her 👍🏻👌🏻
Good luck!!
Happy Christmas and New Year ...to Toby Newbatt ! 🎄🥳
Great video as always Toby
Once more mate you have smashed it out of the park with a video that I can share with people to encourage them to get started. My experience though is that people just continue to ignore me (and this topic), as they are too intimidated to learn something new, or just aren't thinking long term/stuck in mental inertia. I don't know how to change this, but my increasing feeling is that you can lead a horse to water...
thank you! I'm not giving up just yet though...there's too much at stake we'll get through eventually!! :)
@@TobyNewbatt at least we know that there is definitely not an index fund "bubble" because relatively speaking no-one is doing it!
Happy holidays Toby and all the best for 2025 🎉 great video for beginners.
Same to you!
You had me at 'you don't need to be a genius to invest.' Just signed up and ready to start my journey! 🙌
👍🤣
Nice one as always Toby. I've used your pie. I'm quite late to start investing (I'm 42) but better late than never. I've just switched from Vanguard due to the fees. Started last year.
Never ever too late - welcome aboard the rollercoaster of investing :)
How was the pie done for you? What return has it gave you in the past year!
Thanks Toby. Great guide for the start of the year. Hopefully, it will encourage those who have not yet taken the leap to make their money work harder for their future.
@@MakeItCount-55 exactly that thank you 👍👍
Well done Toby, great video 👍🏻
Thanks for the video Toby, a great resource for new investors.
Glad it was helpful!
Great video as always Toby.
Thanks again!
Thank you Toby - The genuine advice you gave in this video in the first 2 minutes, has made me subscribe to you and convinced me to invest - Thank you.
welcome and thank you :)
Great video, thanks Toby
Excellent informative video 👍
Glad it was helpful!
Cant find the pie you mentioned there is another own the world but its only 50 companies
@@ollie8284 don’t search just use my link
Went with the ftse developed world accumulating, always wondered why rami,Damien,chris prefer this and you prefer the ftse all world. Been investing 4 months so far so good
There’s very little difference between developed world and the all world - it’s about diversification. But remember that the emerging markets only make up about 10% of the equity market anyway.
first video that i understood lol! thank you
Glad to hear that thank you!
Perfect timing 😂🎉🎉❤
I have already maxed out my current 20k a year isa allowance (isa with bank...not fantastic returns) but want to now get started on 212....what are the pitfalls other than tax liability of me opening up a standard trading account on 212 and investing a few hundred until the new tax year starts?
That's all you have to worry about really, tax. But if its a small amount then you might not ever make enough to trigger anything like capital gains or dividends anyway.
As a curve ball - what about putting money into your pension/ SIPP instead? This could be a very tax efficient way to do things :)
I fancy investing for dividends, but can't see any divi info on apps like T212. Frequency and amounts would be useful. Where is it best to see this before investing?
I find the website justetf.com pretty useful. You can filter and search all kinds of ETFs and get all of that information. You might want to watch a video I did about dividends though :)
As a beginner investor how do we move past just mirroring ETFs used by youtubers such as yourself?
Will you be doing a 2025 guide where you invest and provide updates throughout the year to help educate us?
Great content thanks
@@TroutMaskReplicaa absolutely and it’s what I’ve done for the past 3 years and will be continuing to do so. I just want to help give people a place to start but I also have given plenty of the tools to help decide 👍👍
@TobyNewbatt Great thanks for the reply. Just subscribed.
I've seen you had 5x ETFs made up of various Vanguard Index (on other videos in InvestEngine).
Do you have a link to that pie rather than just the own the world FWRG one?
Stupid question time again. I had managed to figure out doing all this and set up regular investing but I can’t see how to automatically transfer money from my bank account into 212 account. I don’t want to manually do this every month. Automate and forget is key.
Also I have Life strategy and Global fund with Vanguard can you do a video covering how to transfer these to 212?
In T212 to do automatic investing you need to use a 'pie' - then you turn on autoinvest and set your own contributions e.g. monthly from your bank account.
Good idea for a future video I might do a quick one on how to transfer to different platforms.
Loving the videos Toby. I want to get started but I have a question. I have a car loan at 6.1%. It still has over 4 years left to run. Am I better overpaying on this and getting it paid off early before starting to invest or would I be better off in the long term cracking on with investing?
When I enter my national insurance number it says it’s invalid id love some help on how to sort this
Make sure you’re not adding spaces and double check. It’s very easy to get wrong. Also make sure you add the full number including the letters
Thank you for the videos! I have just bought my first share in an index fund - yey! Your videos are very helpful for a beginner like me! I do have a quick question - the index fund that I invested in, is it possible to go back into it and set up an auto buy each month? I can only seem to do this when building a pie? Using Trading 212. Thank you and sorry if its a silly question!!!!
@@KirstyLTaylor firstly congrats!! Welcome onboard the investing rollercoaster. Secondly you can only do auto investing using a pie with trading 212. Bit of a pain, but the easiest fix is to setup a pie now, put your index fund in it, then set up your auto invest. If you want to sell your current fund and use that money in the pie you can do that..but it’s up to you 🙏🙏🙏
@@TobyNewbatt thought that might be the case - thank you for the quick reply, i'll set up the pie!
XTB have launched an ISA now too. Free. Competes with t212. I’ve opened an XTB ISA and, yeah, absolutely fine. Decent range of U.K. ETFS too.
where do you invest your emergency funds?
I earn cash interest using trading 212 feature 👍 (which is money market funds and banks)
Hello Toby, what about S&P 500 whats your opinion on that or is the same with the one that you already mentioned, also is the £2000 allownce is monthly or as sson as you heet the £2000 you start paying the 0,07% to 212?
Thanks
The S&P 500 is an amazing index, it's the gold standard. However I prefer to be a little more diversified so I'll own the rest of the world too.
On your second question - fees for ETFs are built into the fund on a pro-rata basis. You never physically pay them, they are taken out as part of the value you see. For example, if you bought an ETF for £100, and then sell it 12 months later, assuming the stock prices stayed exactly the same, you'd have £999.30. I hope that kind of makes sense.
The ISA allowance is £20,000 per tax year, from April 6th every year if that was your other question.
I always wanted to start investing at this is the year ill be doing it and i wanted to ask when investing in VWRP is this something i can invest and leave it to grow for like 10 20 years or isit more like 5 years and move it to something else. One of my mate said i should consider target retirement funds but i started watching your videos and the VWRP is something im considering
The level of risk you take is up to you. I'm not a fan of buying bonds in TR funds. A global index fund doesn't need any management :)
Hello sir, please i am a Cameroonian please i want to buy stocks,what do i need
Hi Toby.
Thanks for the video
Can you have 2 trading 212 platforms ?
You can have different types of accounts like a Cash ISA, S&S ISA and Invest account but not a separate account AFAIK
Hi Toby is their a way to add money monthly to my pie without the 0-7% charge. Was trying to set up a standing order but see no way to set this up. Thanks
You just use their direct debit feature there’s no cost for this. The only cost is for people using Apple Pay
@ Hi Toby thanks for the reply, I know I’m able to send money by bank transfer but I’m unsure where to get the account details like sort code and account number to set up the direct debit? I’m trying to make it automatic without me having to physically remember to send the money each month. Am I missing something?
@@andyv4282 You don't need to add any account number or sort code to setup an auto investing pie on trading 212. You just use the auto invest feature use the easy bank transfer method, which is basically a direct debit. You need to make sure you are using a pie to autoinvest and it should be very easy.
@ finally got it sorted thanks for your help. Love the channel keep up the good work
Hi Toby, thank you so much for all your videos! I've opened up an account with Invest Engine using your link. I really appreciate you sharing your knowledge. I firstly read a book called 'Girls that Invest' by Simran Kaur, plus watching many YT videos and Google searches for a few months and now I feel ready. I'm investing long term, 20-25 years. I'm currently 48 and wish I learnt this sooner. I'll share your channel with my daughter. Thanks again!
Welcome aboard the rollercoaster Lisa :)
Brand new invested here, would it be a decent idea to invest in snp500 in my trading 212 shares IsA and then global index for my SIPP?
It's really up to you, no reason that both investments cant be exactly the same :)
@ thanks for the reply! I was going to go 100% snp500 but unsure now after watching your video and Damien talks money.
Toby - great video - very helpful thank you. One question, I know the share value can go up and down and there is no protection like that, but what if the trading platform such as 212 collapses - is there are UK regulatory protection on getting our money out or back (such as the £85K government guarantee on savings accounts). This would be really useful to know as if I'm investing more than this limit I would know to use multiple platforms. Do you have any info on this?
I’ve done a video on this topic before if you go back on my channel. I think it’s called something like what happens if your broker goes bust!
Which is better vanguard or Trading 212
@@salintomy4724 depends what you want to do or buy. Trading 212 has far more options to choose from and offers a free isa but then if you wanted a pension they don’t have one yet.
Hi Toby, how long does it take for the Trading 212 free share to appear? I am in the process of moving from Vanguard to T212 and have done all of the required steps for the free share. Thanks
It’s usually as soon as money is in the account. If it’s a transfer then you might have to wait. Or you could pop a few quid in to make sure so long as that doesn’t mess with any allowances. Also double check you used the code Toby sometimes I have heard people with issues with cookies etc
@TobyNewbatt Hmm, I have added in money through an instant bank transfer and have used the code. When I put the code in it says "you already claimed free shares for your sign up" but I haven't seen anything as of yet. Maybe I need to be more patient 😅
Would you suggest index funds ex-UK?
Personally I just like to own the world at its market cap weights. For all I know the UK might have a great few years considering how cheap the market could be argued to be. But feel free to do what you like 👍
I'm living in the UK and having watched this, I've just now noticed that my Vanguard FTSE All-World (Acc) is the European version (VWCE and not VWRP). Would there be any benefit in switching to the RP?
If you’re buying in euros then you are taking on that currency risk. Every time you buy with your pounds you are costing yourself an exchange rate. In the long term I’d prefer to just use pound
@@TobyNewbatt That makes sense, so thanks! I've already used up my ISA annual allocation so I'll have to wait until April as if I sell the euro version, I won't then be able to buy the sterling one. I really do appreciate the reply, so thanks again :) Hopefully, others won't now make the same mistake
Regardless of a fund's currency denomination, investors are only exposed to the currency of underlying assets (here it's USD). Thus you have no additional currency risk compared to someone using VWRP unless Vanguard starts hoarding Euro fund investors' cash rather than investing, against the remit of the fund.
The thing of concern is whether or not you're needlessly paying fund/broker conversion charges, but other than that the denomination itself is irrelevant.
@@drummingspain207if its in an ISA you can buy and sell what’s in an ISA whenever you want, only what money you add into the ISA counts towards the allowance.
Just curious what S&P 500 do you invest with personally?
Watch the video.
Hi Toby, appreciate your videos. I have signed up on 212. Question: if I put the full 20k in to 212 stocks isa but leave it sitting as cash can I transfer that money to 212 cash isa so the money is safe compared to most sitting in QMMFs and then transfer back to stocks isa when I’m ready to invest? Or would that count as I’ve already used my limit for that tax year?
@@kellychilds3369 yes Kelly you can transfer money between ISAs no problem at all. Transfers do not count toward your limit 👍
Thanks Toby, Sorry to be a pain! Just one more question before I invest! When looking to invest I.e S&P 500 i get a little confused I understand the Acc and diss from your videos but I don’t get why they are different prices? I think a video for us beginners would be very helpful explaining what the difference is between these and also S&P 500, i share technology/ I share core etc.
@@kellychilds3369 Ignore the prices of the ACC and DIST options. They are 2 completely different funds, the share prices don't compare. They have different numbers of shares. All that matters for you is whether you want a dividend or not :)
All of this is great content for a more in depth video though on ETFs
Toby with the xmas upload i see u
Providing the entertainment when theres nothing to watch on tv 🎅
@TobyNewbatt As someone that doesn't care about the holidays, I appreciate that. Now I at least had a vid to watch while eating lunch😎👍
I have a lump sum and wanted to invest in this tax year, is now a good time or should I spread it out unto April?
@@davidwhitnall9783 always a great question. The short answer, backed up by the data, says you should not try and time the market. If you are a long term investor you will mostly be better off getting it in now.
HOWEVER - it all comes down to you and how you’d feel if the market dips etc. if it stops you sleeping or stresses you out then just find a strategy that makes you most comfortable
@ Just thought better than being in the bank and not earning much, didn’t know if the market is high or low at the moment
Hello Toby I used your promo code and I got nothing😪😪. I created the account yesterday after watching ur video.
I have deposited funds and I’m only able to see the money I deposited only.
What am I doing wrong??
Very weird - can you double check and go to the promo code section now and try manually using TOBY again? So long as you are signed up, deposit at least £1, you will qualify.
Hey Toby - great video. But here's a Q - I'm getting on a bit 🥹 and don't have the luxury of a long-term time frame - maybe 10 years max. Any suggestions?
is there any danger with the platform going under? if you have an account with Invest engine but the company fails or the app gets shut down or something? is that a possibility?
I wouid do some due diligence.
Plenty of free videos and advice on TH-cam.
Plenty of brilliant books out there .
Never invest in something you dont understand.
Your money protected up to £85K .
Read up about DCA and ETF'S.
Good luck ❤
Check if they are covered by government insurance for this. Trading212 covers you up to 86k if something happens to their platform
It is a possibility (especially with InvestEngine, because they are not profitable) - but even if that happens, your funds are segregated and will be transferred to another platform if yours fails.
I did a video on this topic a while ago :) - worth watching that one to explain the process of what the FCA covers and how it would work :)
@@TobyNewbatt I watched it an was very helpful thanks
Thank you
you are very welcome :)
Thanks, you kept it succinct. Others blind with terms and theories that cause confusion. Have made an initial venture into the 'World' pie and so it starts.
Thanks Paul - this is what I wanted to do with this vide start simply and then have other videos to build out in a bit more detail :)
Doesn't an index overdiversify? You would have something like 0.0001% in a stock
If you don't fancy indexing why don't you pick individual stocks to buy? You could come back in a few years and let us know how it worked out for you. Good luck.👍
The index such as s&p 500 will move more of your money into the better performing companies..(vusa) 👍
That’s not how indexing works unfortunately. Make sure you understand it. The weighting is market cap based. It means the biggest companies get the largest portion. The top companies make up 25-30% of the index. With an index fund you can’t over diversify 👍. It’s a myth spread by grifters
@kw8757 yeah. So i was looking into Magnificent 7. Biggest companies like.
Amzn, Msft, Meta, Goog, Ely Lily. Was thinking of putting 5-10% in those. And exit based on Monthly MACD crossing its signal line
@TobyNewbatt ah so. So would it not be worth just investing in the top 20-40 companies of the s&p500, for example instead?
Season greeting Toby.
Just woken up from hangover and watching you in bed on 65inch 4K tv (Samsung) with mug of English Breakfast Tea (PG).
All the best for 2025 will be investing in bonds this year (£865)
More detail needed 🎅
Hi Toby. I started my investment journey this year putting money each month into the S&P. I can see the long term potential investing has on growing your cash.
My dilemma is that I’ve been one of those people that has used an ISA savings account to save money. I can see the wasted opportunity doing this now but unfortunately I was none the wiser at the time because I thought investing was something for professionals or the super wealthy.
My question is what is the best way of moving a large amount of funds (25K+) from a cash ISA into a Stocks and Shares ISA. Doing it in one hit isn’t optimal but drip feeding that into a S&P account will take a substantial amount of time also. Any thoughts on what you would consider doing? Maybe a video for those people with large amounts in a cash ISA and are looking to transfer it into the S&P for example.
Trading 212s S&S ISA pays interest on uninvested cash. I would transfer in the whole lot utilizing this and next year's allowance and set up an automated buy. Your uninvested cash will still earn interest similar to your cash ISA.
Who says moving it in one lump sum isn't optimal? Everything I've watched and read says moving it in a lump sum rather than dollar-cost-averaging gives better results over the longer term. You can only do what you are comfortable doing with your hard earned money. But for me it's a case of whack it in ASAP, and up to now, despite the ups and downs I don't regret it. There are also more diversified alternatives to the S&P 500, the US Equity Index Fund represents over 3600 US companies of all capitalisations and was advocated by Jack Bogel, but thats entirely up to you. Good luck for 2025 👍📈
@@JoashD Hi Joash. I transferred my Cash ISA to Trading 212 this year as well when I saw the interest returns compared to my banks rate. The roughly 5% return on that has been good. As we know interest rates are likely to go down so that sort of rate won’t last medium/long term. Transfer if it all eventually into a Stocks and Shares ISA going to give a better return long term but it’s just working out the best way to do it. With talk of a correction, who knows, I’m thinking about waiting for a possible dip and then to invest the bulk. Kinda like what Warren’s doing with his money. I’m not comparing my situation to his, just his cautious approach at the moment. In the meantime I’ll just invest in smaller increments each month as I have been doing this year.
If all the cash is meant for the long-term (5+ years, some more cautious would say 10+ for 100% equities) then the markets are expected to provide a better return than cash.
Historically, lump sum investments have beaten drip-feeding the majority of the time.
No-one can know what's 'best' this time round until it's happened, nor know how next year's 43% crash/16% gain will impact your investing behaviour. It's this final point (avoiding emotional inveator behaviour) which will ultimately have the greater bearing on future wealth rather than lump sum or drip-feeding of £25k.
I would just move it all, you can invest it in a money market fund if the platform doesn’t pay interest on uninvested cash.
Is property not the best option If you have a large pot of cash? I bought a house in Belfast for 88k in 2017. Now worth 220k, mortgage of 46k ~ £440 a month, currently renting for 1150. For the initial outlay of 22k + fees i have made 150k in equity + 4.5k a year in rent after bills including mortgage, insurance etc. My 16k isa has made me 1200 in 3.5 years. My gold coins have appreciated faster!
Over the long run stocks have beaten property by an enormous margin. You just need to look at the data. Property has done well during certain time frames with zero interest rates but there’s no free money anywhere.
On your isa I am presuming you are talking about a cash IsA? Whatever you have there you are being taken for a ride. Use your isa for the better. All tax free. Property has so many make hidden costs you need to factor in
@TobyNewbatt it's a vanguard stocks and shares isa. I put 250 a month in after putting 3k in to open it. Just cehcked and ive made 1860 since it opened. With my first property, for 22k I have made, in total, nearly 200k, if I total the rental income and equity. Don't think any mainstream stocks are doing 900%. I also don't have to do anything. Its completely managed for me and dont know what tax your talking about other than income tax. When the mortgage is paid in 9 years, completely by rental income, it will be worth 300k and I will have made 80-100k over 16 years in rent after tax. So for 22k in 16 years I'll have made close to 400k. My tax bill on this property is through personal income tax and = 7.5k a year. Stamp duty is expensive but I won't pay that unless I buy another house. Sorry, I just cant see the math you all talk about or even an example that's better than the one I've detailed if you could show one? I bought another house in 2022. 147k now worth 200k and renting for 950 mortage is 612. After bills I make £60 a month but again I don't pay anything and it just goes up in value. Stamp duty was 5.5k. If I sold today I'd make around 35k after capital gains. 2 years for 35k with 40k invested - again i can't see any stock examples beating this if you can share one. I would sell up tomorrow
Would you have any examples or direct me to the 'data' your talking about? If i sell up, my CG tax is 19k so I'll have made 120k from 22k in 7 years plus the 7 years rental income. If you have a stocks example that beats that I'd sell up today! I'm really not trying to catch you out btw. Buying the first house was easy buying my 2nd house took 18 months and it only makes 60 a month after all my bills but has still went up in value by 25% since Feb 2022. Is Northern Ireland just a different market atm?
Are you saying that the same house you bought in Belfast for £88k is now worth £220k?
@ there’s tonnes of data you can start here if you like: awealthofcommonsense.com/2021/05/200-years-of-asset-class-returns/
This shows long term returns across more than 2 centuries for all asset types. Doesn’t mean you didn’t make money in your personal situation. Property is highly illiquid, can’t be protected inside a pension or an ISA and has maintenance costs that get forgotten about 😀. It’s a liability and an asset at the same time
The Magnificent Seven is +67% in 2024.
Nothing stays Magnificent for every. So investing in just MAG7 only is stupid mistake! Best to put in S&P as it includes mag 7 anyways
Yes true. But past performance is totally irrelevant when investing for the future 👍. It’s a lesson we all need to learn but nobody listens to unfortunately.
If you chase the hottest stocks and trends you’ll end up like everyone else - underperforming massively! 👍👍.
Also you own all the big stocks in any index fund -