Sammie loving the content! I’ve been reading up on investing for the past few months and it has really helped me get started and build confidence so is much appreciated. A question for you though - should I look at reducing my pension contributions and use the additional Income in my S&S ISA? Not sure what works out more tax efficient? Would be good to know ? You may have already done a video or post so feel free to point me to it!
Hey thanks for the support! When you reduce your pension contributions that means you're lowering your tax relief and potential employer contributions (if in a workplace pension). I would personally maximise your pension as much a possible but also add to a Stocks and Shares ISA alongside this. That way you have access to some funds in the here and now but also maximise tax relief on pre-tax income.
How is the £4 fee vanguard is now charging going to affect new investors? It’s putting me on the edge, I was ready to start then started seeing everyone reacting to this.
Vanguard fee increase of £4 a month apply if you have a portfolio with them that's under £32,000. This doesn't affect investing into their funds with other providers and shouldn't be a reason not to get started.
To say a study done on the S&P500, ensuring you will make money in the long term, is a little on the disingenuous side. If the study was done on the japanese market over the same time, it wouldn't conclude the same. Perhaps useful to remind viewers this market is a little special.
Whilst I appreciate where you're coming from - that's what the study was done on so pretty difficult to say otherwise. Throughout the video we mention risk on 5 or 6 occasions so in no way are we being disingenuous. Thanks for watching.
Time for everyone to start investing in 2025!
100%
Sammie loving the content!
I’ve been reading up on investing for the past few months and it has really helped me get started and build confidence so is much appreciated.
A question for you though - should I look at reducing my pension contributions and use the additional Income in my S&S ISA? Not sure what works out more tax efficient? Would be good to know ?
You may have already done a video or post so feel free to point me to it!
Hey thanks for the support!
When you reduce your pension contributions that means you're lowering your tax relief and potential employer contributions (if in a workplace pension). I would personally maximise your pension as much a possible but also add to a Stocks and Shares ISA alongside this. That way you have access to some funds in the here and now but also maximise tax relief on pre-tax income.
How is the £4 fee vanguard is now charging going to affect new investors?
It’s putting me on the edge, I was ready to start then started seeing everyone reacting to this.
Vanguard fee increase of £4 a month apply if you have a portfolio with them that's under £32,000.
This doesn't affect investing into their funds with other providers and shouldn't be a reason not to get started.
To say a study done on the S&P500, ensuring you will make money in the long term, is a little on the disingenuous side. If the study was done on the japanese market over the same time, it wouldn't conclude the same. Perhaps useful to remind viewers this market is a little special.
Whilst I appreciate where you're coming from - that's what the study was done on so pretty difficult to say otherwise. Throughout the video we mention risk on 5 or 6 occasions so in no way are we being disingenuous. Thanks for watching.
Ftse all world ive gone with.
Good choice IMO