Quality video as always ryan. We've got same long term philosophy, similar funds too. Keep it up pal, your 40 year old self will be grateful you did the hard work now.
@Making Money Simple FTSE Globall in Sipp. VWRL in ISA. VUSA in GIA. Then every March end, sell off GIA (Vusa) and fund the ISA in Lump Sum, and make regular Automated Investment in a GIA and SIPP.
@@TariqAmazin mainly to experience working abroad for a bit, and Aus seemed like a good fit! Pros - Melbourne is a great city with lots to do, fun exploring a new place, can travel more this side of the world. Cons - away from family, friends, and Arsenal 😂
Tough one - mathematically lump sum investing performs better 2/3 of the time. But investing monthly can help you to avoid any poor market timing, ride out the ups and downs, and helps build a good habit of monthly investing. Hopefully that helps? 😅 I’d say go with whatever makes you feel the most comfortable.
*Ryan 😉 I use a SIPP as a tax efficient way to take money out of my company. Also I think you’re getting a little confused - the SIPP is the account and the FTSE Global All Cap is the investment - you need to have both. The FTSE Global All Cap is the only investment I have inside my SIPP. Thanks for watching Callum!
Allo like the show an down to earth. I started a s&s robo isa, plan is to build to 5k an then start a D.I.Y isa later. Given the optics at the mo around the world. Can I ask do you recon this is a good way to go, as I’m lookin at next 10-15 yrs investing. Cheers
Thanks for watching Paul! That sounds like a solid goal - good luck. The economy always seems in turmoil and there’s always something bad happening, the best guidance is to start investing and then carry on investing whatever you can afford every month. I personally prefer the more DIY approach so I have more control/autonomy, but a robo advisor is certainly better than nothing!
Informative video, always good to get an honest look at others accounts, I’m just about to set up a vanguard ISA, first time investing, what’s your top 3 pieces of advise you’d give for a beginner, early 30’s
Cheers Shane! Great to hear you’re getting started 💪 I’d say: 1. Ignore the short term noise - there’s always something bad happening but the market continues to go up over the long term. 2. Don’t time the market - invest regularly/every month whatever you can afford, no matter what. Time in the market > timing the market. If you can make these investments automated that’s even better. 3. Simplicity - I really favour simplicity in my approach which is why I simply stick to 1 global fund. Not only if that all I need but it makes my approach very easy and simple to manage. A lot of other bits can be said around goals, risk tolerance, time horizons, and so on, but I’ll leave it there!
Nice video but must change your fund if it’s not performing properly. I invested into US equity Index and World ex-Uk Index that’s it. Both are good performers
Thanks for watching! Personally I’d rather continue to take a global approach. Whilst the US has performed well over the last 10-15 years, it’s rare that 1 country continues to outperform across multiple decades. Returns always revert to the mean over the long term. Also worth saying that global funds are still dominated by US stocks, the FTSE Global All Cap will include all of the stocks in the funds you mentioned, but of course other stocks too. Just my approach/thoughts!
Quality video as always Ryan. I've managed to utilise 30% of my 20K allowance this year, much less than I had hoped, but having a baby will do that to your finances! 🤣 Like you, I'm excited for when I can manage 20K in one year - that day is coming... 🍻
Having a baby and still using up 30% is quality Iain 👏 hitting that 20k remains on my bucket list for now 😂 As you say, need to invest a hefty amount per month. But we’ll get there! 💪
Thanks for watching Tyrell! It was influenced by Jack Bogle and my own research from years ago, but last year I read the simple path to wealth and it’s is inline with what Collins teaches too!
Hi there ☺️ I've got £500 in the GAC and can only currently afford to put £50 in there every month. I know you're not a financial advisor but in your opinion, do you think this is still worth it? I'm 23 so looking at long term but am I losing before I start because it's not thousands and thousands like other people? Cheers ☺️
Hey Amy, I would definitely say it’s still worth it! Anything you can afford to invest each month will grow and compound over the years 💪 definitely important to think long term too as you say. Of course if you can invest thousands you can grow your portfolio quicker, but it’s still very worthwhile investing smaller amounts (like £50 in your case) as this will still grow your portfolio over time and help you to build the monthly habit of investing!
@@MakingMoneySimple thank you so much for the kind reply ☺️ it's really nice to hear encouragement as a newbie especially with my realistic numbers. I'm definitely going to give it a try!
7:15 a video on the psychology of money would be dope!
I’ll pull something together! 💪
Quality video as always ryan. We've got same long term philosophy, similar funds too. Keep it up pal, your 40 year old self will be grateful you did the hard work now.
Thanks Hussam!
Great to hear that - what funds do you hold?
I hope so! Although that's only 15 years away now... 😅
@Making Money Simple FTSE Globall in Sipp. VWRL in ISA. VUSA in GIA. Then every March end, sell off GIA (Vusa) and fund the ISA in Lump Sum, and make regular Automated Investment in a GIA and SIPP.
@@hussamjamal4903 beautiful Hussam. Thanks for sharing mate! 👏
Great video as usual...interested to hear about your story moving to Australia..will there be a video on this one day?
Thanks mate 🙏 on the Aus move I’ve mentioned it a little bit in some other videos! Was there anything you’d like to know?
@@MakingMoneySimple oh, have missed that. Just why you moved, and pros / cons since you have left UK broadly.
@@TariqAmazin mainly to experience working abroad for a bit, and Aus seemed like a good fit! Pros - Melbourne is a great city with lots to do, fun exploring a new place, can travel more this side of the world. Cons - away from family, friends, and Arsenal 😂
@@MakingMoneySimple makes complete sense 😅
Great video, is it better to invest monthly or lump sum once a year? And do you recommend any of the life strategy funds?
Tough one - mathematically lump sum investing performs better 2/3 of the time. But investing monthly can help you to avoid any poor market timing, ride out the ups and downs, and helps build a good habit of monthly investing. Hopefully that helps? 😅 I’d say go with whatever makes you feel the most comfortable.
Hi Ben, great video! Just a quick one, why do you also invest in a sipp? why not just use the ftse global all cap?
*Ryan 😉
I use a SIPP as a tax efficient way to take money out of my company.
Also I think you’re getting a little confused - the SIPP is the account and the FTSE Global All Cap is the investment - you need to have both. The FTSE Global All Cap is the only investment I have inside my SIPP.
Thanks for watching Callum!
Allo like the show an down to earth.
I started a s&s robo isa, plan is to build to 5k an then start a D.I.Y isa later.
Given the optics at the mo around the world.
Can I ask do you recon this is a good way to go, as I’m lookin at next 10-15 yrs investing.
Cheers
Thanks for watching Paul!
That sounds like a solid goal - good luck.
The economy always seems in turmoil and there’s always something bad happening, the best guidance is to start investing and then carry on investing whatever you can afford every month.
I personally prefer the more DIY approach so I have more control/autonomy, but a robo advisor is certainly better than nothing!
Informative video, always good to get an honest look at others accounts, I’m just about to set up a vanguard ISA, first time investing, what’s your top 3 pieces of advise you’d give for a beginner, early 30’s
Cheers Shane! Great to hear you’re getting started 💪
I’d say:
1. Ignore the short term noise - there’s always something bad happening but the market continues to go up over the long term.
2. Don’t time the market - invest regularly/every month whatever you can afford, no matter what. Time in the market > timing the market. If you can make these investments automated that’s even better.
3. Simplicity - I really favour simplicity in my approach which is why I simply stick to 1 global fund. Not only if that all I need but it makes my approach very easy and simple to manage.
A lot of other bits can be said around goals, risk tolerance, time horizons, and so on, but I’ll leave it there!
How often do you look?
I’ve found i check way too much lol. Definitely need to try and focus on other things
Usually only when I do these portfolio updates in all honesty 😅 once a month at most!
The less you can check, the better 👌
Nice video but must change your fund if it’s not performing properly. I invested into US equity Index and World ex-Uk Index that’s it. Both are good performers
Thanks for watching! Personally I’d rather continue to take a global approach. Whilst the US has performed well over the last 10-15 years, it’s rare that 1 country continues to outperform across multiple decades. Returns always revert to the mean over the long term. Also worth saying that global funds are still dominated by US stocks, the FTSE Global All Cap will include all of the stocks in the funds you mentioned, but of course other stocks too. Just my approach/thoughts!
Quality video as always Ryan. I've managed to utilise 30% of my 20K allowance this year, much less than I had hoped, but having a baby will do that to your finances! 🤣 Like you, I'm excited for when I can manage 20K in one year - that day is coming... 🍻
Would need to deposit £1,666 a month to hit that 20K allowance, I'm a LONG way off that yet - but it's important to not let that discourage us 🙌
Having a baby and still using up 30% is quality Iain 👏 hitting that 20k remains on my bucket list for now 😂
As you say, need to invest a hefty amount per month. But we’ll get there! 💪
I chose not to max my isa this time as I’m heavy in cash within the isa and would rather get 3% on an easy access account whilst averaging in
That’s fair enough Tom, thanks for sharing your approach mate! 💪
I would recommend " The psychology of money " a Great book 👍👍👍🥰
I've read that one Lawrence - great book!
Solid video! The investing philosophy you are using seems to be growing a lot, was the style influenced by JL Collins?
Thanks for watching Tyrell! It was influenced by Jack Bogle and my own research from years ago, but last year I read the simple path to wealth and it’s is inline with what Collins teaches too!
Hi there ☺️ I've got £500 in the GAC and can only currently afford to put £50 in there every month. I know you're not a financial advisor but in your opinion, do you think this is still worth it? I'm 23 so looking at long term but am I losing before I start because it's not thousands and thousands like other people? Cheers ☺️
Hey Amy, I would definitely say it’s still worth it! Anything you can afford to invest each month will grow and compound over the years 💪 definitely important to think long term too as you say. Of course if you can invest thousands you can grow your portfolio quicker, but it’s still very worthwhile investing smaller amounts (like £50 in your case) as this will still grow your portfolio over time and help you to build the monthly habit of investing!
@@MakingMoneySimple thank you so much for the kind reply ☺️ it's really nice to hear encouragement as a newbie especially with my realistic numbers. I'm definitely going to give it a try!
@@amyk9813 no worries Amy! Any other questions just let me know 😄