Starting to invest can feel overwhelming, but the gap between a comfortable retirement and a disappointing one usually comes down to a handful of early decisions, not fund-picking skill or luck. In th
I would have been interested to know your views on yield versus capital growth. For example , high yield emerging market bond funds versus say technology funds. This is a stark contrast and difficult choice for even an experienced investor
The starter account list should have some caveats with the Lifetime ISA. I don’t think it’s that useful and can be risky if buying property in the southeast or London, due to the £450,000 cap.
Hopefully, the new product replacing the LISA will amend these issues.
This really depends on very long term trend called 'seculars' . The very long secular bear market in the 90s was great for early investing. The recent secular bull market has been great for late stage passive growth.
Great video as always Ramin. I made 3 out of the 5 above mistakes in the past (luckily never trusted CFDs and crypto), now I am slightly guilty of mistakes 1 and 2 combining them together, (25% in UK individual stocks) but at least I do it with full awareness. And it sometimes rewards me with huge fun, like recently with BP shares. But plan is to fully follow your advice and keep 90% in global index and MMF.
I suspect many of your viewers are older than 40, correct me if I’m wrong, and many will have started investing well after 30 as your ideal scenario recommends. So how about some videos for people who started investing in their 40s or even 50s, looking to retire with a reasonable sum?
I'm 22 and started full time employment for the first time last year. Been binge watching you & others videos and it makes me excited for my (hopefully) stable and comfortable future. Just got to remember to use some of my money for fun as you never know when it could end. Thanks very much for your videos. They are excellent and straight to the point which is a breath of fresh air.
I know you have addressed this in other videos, but it would be good to see Finance creators concentrate on options for late-starters (35+), mainly because I think the mainstream adoption of investing has been a relatively recent development. So many people have gone through life, never learning to make their money go further.
Im 26. Got about 85k invested into vangaurd. 100k soon !!
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Hopefully, the new product replacing the LISA will amend these issues.