As someone new to investing who has never watched these kind of videos, I was wondering what I could improve. It turns out I did exactly what you recommended 😀 Time to just leave my investments in there for ages.
Also, I agree with the guy who said we have a problem with you disliking beans & sausage
Hello Toby congratulations on your journey I’d like to get yours or people in the comments feedback on investing £500 a month at 18 I’m currently saving to move out I’m not looking for anything quick or risk based as I know you can make thousands quickly but lose it even quicker, if anyone’s got any suggestions with low risk and a decent interest It would be much appreciated.
I am absolutely blown away by the quality and depth of this video! 🌟 The way you break down complex information into such clear, actionable insights is truly a masterclass. 🧠 Your storytelling is engaging, and the production quality is top-notch, making it so easy to stay focused from start to finish. 📈 It’s clear how much research and passion you put into your content, and it’s a massive help to everyone in this community looking to level up. 🚀 Thank you for sharing your expertise so generously. Keep up the incredible work! 🙌🔥
Great video, pretty much what I was doing already but very nicely put. Another thing to consider as well, if you are investing monthly and you notice some crazy stuff is happening in the world which is affecting all markets, its worth pausing your new investments if youre seeing a consistent dip until it starts to climb back up again. That way you can get in a lower price and have more shares for your money in the long run. Though I'd only recommend that if you keep up with global news and are that interested in following the markets.
Little tip for coping with the stock market. Only look at it when the market is going up. I won't even open my apps to sneak a peak when there's negativity and it's trending down. Better for my mental health! 😂
Toby, apart from lower fees, what are the advantages of the 2 part pie (developed and emerging) you suggested in other videos over and above a global index?
I don't trust myself to not dip into an ISA so ive opened a SIPP. Its invested in the Vanguard FTSE global all cap but im waiting to see if the EFT version will be available to me, if not i may drop this Vanguard FTSE cos fees are a bit eeeeessshhh
Thanks Toby I requested for the spreadsheet to open account with invest engine to open SIPP to transfer my workplace pension however I had already downloaded the app and opened account but not done any transfers yet or invested just opened it yesterday so can I still get bonus by using your referral link or shall I use a promo code TOBY?
I have been investing for over 15 years now. I cleared all my debts and built an emergency fund. I also pay into a generous NHS pension scheme, SIPP, S&S ISA and a couple of rental properties. For my SIPP and ISA I keep it simple with my equity section consisting of a global index tracker with Vanguard. I also have a small allocation in a global bond fund because I like diversification. My aims are early retirement within the next 5 years.
I would say though that the best decision you can ever make is to invest in yourself i.e your health. This comes before anything else. For physical health eat well, exercise, limit alcohol, do not smoke etc. It is also important to look after your mental health and keep the mind ticking – read books, take up hobbies, keep in contact with like minded people etc. When it comes investing there is not enough emphasis on looking after yourself and much of the guidance is purely financial.
I notice people at my work, friends and family who are in senior positions with a nice salary and will end up with a generous pension scheme. However these people are often not in the best of health both physically and mentally and I cannot see them in the future enjoying the fruits of their labour very much and in some cases whether they will even be alive to even enjoy it. Being unwell can also affect your pocket – dental treatment, paying for adaptations, expensive treatments etc.
I have been reading a lot of investment books and watching videos and agree with a lot of the common wisdom and guidance however we have to remain healthy to enjoy our eventual goals 😉
Are infographics from Claude, Toby? 😀 I've been using it as well to extract some info and data from the web to rebalance my portfolio recently. They're very clean and usable.
Hey Toby I did a bit of retail investments back in 2020-2022 and I managed to get out with my money as some stocks went up massively and others dropped like rocks. If I had an understanding of S&S ISA I'd have done that 5 years ago and stuck to a world fund. I feel like I've wasted some time but at the same time I've got the money saved up to basically either be mortgage free or have a small manageable mortgage to pay off over 10 years. But now I'm like next goal retire at 60
Toby I’m colour blind, and particularly with red and green! I’m blissfuly unaware of most of the goings on during the fiscal year and don’t stress much, as basically I don’t see the short term pitches and troughs. I take your advice and pay little attention, just keep,investing, plan to avoid unnecessary tax, review in a reasonable manner and don’t react to much. Thanks for your advice and overwatch.
How nobody talks about the black book of wealth by james cole. That book explains everything in this video and takes it 10 steps further. People really need to wake up to what's actually going on with money.
Calling individual stocks “too dangerous” is an overstatement. They can be risky, but history shows that even in something like the , outright failures are rare—most companies that leave are acquired or simply shrink rather than going bust. The real issue is concentration: putting everything into one weak company is risky, but holding a diversified mix of solid businesses is a different story. Index funds themselves are just bundles of individual stocks, so the underlying risk isn’t fundamentally different—it's about diversification and effort, not that single stocks are inherently unsafe.
I have a 75/25 split for my Stocks and Shares ISA with 75% in an all world index fund and 25% in about 20 UK dividend stocks which personally keeps me actively interested in investing. My personal pension is in an All World index fund.
Hi Tony, the market is high right now, with incomes stretched for most, with little disposable income and needing to prioritise cozy liv, how can the stocks markets keep going up?
I want to invest, but I'd rather not invest (much) into US companies and companies affiliated with Israel. Is there a way round that, or are we forced to choose these?
Great video Toby. Is it just me, or systemic shocks are happening more frequently these days? Or is just that we have more access to news now? Either, let's keep chugging along with our investments 😊
I know that what I say is simplistic. However what I've found is that the best way to invest is to find ETFs with a great track record and are diversified. This will keep you on track. I created a more diversified version of VWRP which is pleasing.
Hey Toby, thank you for an awesome video! I currently am invested in VWRP, and have been for the last 4 months or so. Was wondering about your thoughts on whether there would be any point of me buying into FWRG as well, or just staying with VRWP, or doing a complete swap?
Just learning about investing in a stocks and shares ISA , and doing intensive research so not to make any mistakes. A lot of YouTube vloggers offering advice , but with this guy I find his advice to be the most easy to understand and well explained for a novice , offering accurate up to date information.
45 comments
Whst if i had £300k to invest? Could i make a million in 10 years? And would that be better than buying property?
Is 9% each year for 20 years realistic ?
Nvidia is not a good investment – the AI bubble will burst and Nvidia and Oracle will be the most to go.
Thank you, great advice
The hardest part isn’t finding £100 to invest—it’s having the discipline to leave it alone. Who else is starting today
This is one good investment advice from toby
As someone new to investing who has never watched these kind of videos, I was wondering what I could improve. It turns out I did exactly what you recommended 😀 Time to just leave my investments in there for ages.
Also, I agree with the guy who said we have a problem with you disliking beans & sausage
Hello Toby congratulations on your journey I’d like to get yours or people in the comments feedback on investing £500 a month at 18 I’m currently saving to move out I’m not looking for anything quick or risk based as I know you can make thousands quickly but lose it even quicker, if anyone’s got any suggestions with low risk and a decent interest It would be much appreciated.
I am absolutely blown away by the quality and depth of this video! 🌟 The way you break down complex information into such clear, actionable insights is truly a masterclass. 🧠 Your storytelling is engaging, and the production quality is top-notch, making it so easy to stay focused from start to finish. 📈 It’s clear how much research and passion you put into your content, and it’s a massive help to everyone in this community looking to level up. 🚀 Thank you for sharing your expertise so generously. Keep up the incredible work! 🙌🔥
Great video, pretty much what I was doing already but very nicely put. Another thing to consider as well, if you are investing monthly and you notice some crazy stuff is happening in the world which is affecting all markets, its worth pausing your new investments if youre seeing a consistent dip until it starts to climb back up again. That way you can get in a lower price and have more shares for your money in the long run. Though I'd only recommend that if you keep up with global news and are that interested in following the markets.
Better be the same as last year 😂
Knocking Beans with Sausages.
Toby, I’m sorry to say you’ve become elitist. 😂
Hi Toby, As a Very New 23 Year Old wanting to start Investing. What are the best Stocks you would recommend for me?. Any help is Much Appreciated 🙏
Little tip for coping with the stock market. Only look at it when the market is going up. I won't even open my apps to sneak a peak when there's negativity and it's trending down. Better for my mental health! 😂
Toby, apart from lower fees, what are the advantages of the 2 part pie (developed and emerging) you suggested in other videos over and above a global index?
I don't trust myself to not dip into an ISA so ive opened a SIPP. Its invested in the Vanguard FTSE global all cap but im waiting to see if the EFT version will be available to me, if not i may drop this Vanguard FTSE cos fees are a bit eeeeessshhh
Thanks Toby I requested for the spreadsheet to open account with invest engine to open SIPP to transfer my workplace pension however I had already downloaded the app and opened account but not done any transfers yet or invested just opened it yesterday so can I still get bonus by using your referral link or shall I use a promo code TOBY?
10:32 I love beans with sausages
If I have £20000 to invest, do I do it gradually or in one lump sum?
Great points, very well presented as always Toby. A timely reminder for me after the focus has been on a mortgage for the past few years!
Cheers Toby, hope your well bud
212 is the worst app
but what if I dont have 100 GBP 🙁
I have been investing for over 15 years now. I cleared all my debts and built an emergency fund. I also pay into a generous NHS pension scheme, SIPP, S&S ISA and a couple of rental properties. For my SIPP and ISA I keep it simple with my equity section consisting of a global index tracker with Vanguard. I also have a small allocation in a global bond fund because I like diversification. My aims are early retirement within the next 5 years.
I would say though that the best decision you can ever make is to invest in yourself i.e your health. This comes before anything else. For physical health eat well, exercise, limit alcohol, do not smoke etc. It is also important to look after your mental health and keep the mind ticking – read books, take up hobbies, keep in contact with like minded people etc. When it comes investing there is not enough emphasis on looking after yourself and much of the guidance is purely financial.
I notice people at my work, friends and family who are in senior positions with a nice salary and will end up with a generous pension scheme. However these people are often not in the best of health both physically and mentally and I cannot see them in the future enjoying the fruits of their labour very much and in some cases whether they will even be alive to even enjoy it. Being unwell can also affect your pocket – dental treatment, paying for adaptations, expensive treatments etc.
I have been reading a lot of investment books and watching videos and agree with a lot of the common wisdom and guidance however we have to remain healthy to enjoy our eventual goals 😉
Are infographics from Claude, Toby? 😀 I've been using it as well to extract some info and data from the web to rebalance my portfolio recently.
They're very clean and usable.
I feel like I'm the only one using Legal & General for Stocks and Shares! 😀
Like the videos, but they’re repetitive, with the same advice
For anyone interested: Trading 212 has a promo where you get a free share with code 11Q8O5FNb6
Most of them index funds are over £100 a share?
Hey Toby I did a bit of retail investments back in 2020-2022 and I managed to get out with my money as some stocks went up massively and others dropped like rocks. If I had an understanding of S&S ISA I'd have done that 5 years ago and stuck to a world fund. I feel like I've wasted some time but at the same time I've got the money saved up to basically either be mortgage free or have a small manageable mortgage to pay off over 10 years. But now I'm like next goal retire at 60
Toby I’m colour blind, and particularly with red and green! I’m blissfuly unaware of most of the goings on during the fiscal year and don’t stress much, as basically I don’t see the short term pitches and troughs. I take your advice and pay little attention, just keep,investing, plan to avoid unnecessary tax, review in a reasonable manner and don’t react to much. Thanks for your advice and overwatch.
How nobody talks about the black book of wealth by james cole. That book explains everything in this video and takes it 10 steps further. People really need to wake up to what's actually going on with money.
Cheers Toby 🙂 more up and down with the markets next week to come!
Calling individual stocks “too dangerous” is an overstatement. They can be risky, but history shows that even in something like the , outright failures are rare—most companies that leave are acquired or simply shrink rather than going bust. The real issue is concentration: putting everything into one weak company is risky, but holding a diversified mix of solid businesses is a different story. Index funds themselves are just bundles of individual stocks, so the underlying risk isn’t fundamentally different—it's about diversification and effort, not that single stocks are inherently unsafe.
I have a 75/25 split for my Stocks and Shares ISA with 75% in an all world index fund and 25% in about 20 UK dividend stocks which personally keeps me actively interested in investing. My personal pension is in an All World index fund.
Binance infinity ETH bug right now
I just made a video to show that
Hi Tony, the market is high right now, with incomes stretched for most, with little disposable income and needing to prioritise cozy liv, how can the stocks markets keep going up?
I want to invest, but I'd rather not invest (much) into US companies and companies affiliated with Israel. Is there a way round that, or are we forced to choose these?
Great video Toby. Is it just me, or systemic shocks are happening more frequently these days? Or is just that we have more access to news now? Either, let's keep chugging along with our investments 😊
I know that what I say is simplistic. However what I've found is that the best way to invest is to find ETFs with a great track record and are diversified. This will keep you on track. I created a more diversified version of VWRP which is pleasing.
Great advice 😊
Hey Toby, thank you for an awesome video! I currently am invested in VWRP, and have been for the last 4 months or so. Was wondering about your thoughts on whether there would be any point of me buying into FWRG as well, or just staying with VRWP, or doing a complete swap?
Just learning about investing in a stocks and shares ISA , and doing intensive research so not to make any mistakes. A lot of YouTube vloggers offering advice , but with this guy I find his advice to be the most easy to understand and well explained for a novice , offering accurate up to date information.
if you had 100k to invest in one ETF next week to hold for 10 years which one would you pick?
Great advice and videos. But beans with sausages in are superb and a great staple lol