How To Build Wealth With Passive Income! - Using Assets To Buy Liabilities

Рет қаралды 23,545

Жыл бұрын

In this video I discuss how to build wealth through buying assets instead of liabilities. From a financial point of view, assets are things which grow in value or generate money e.g. property you rent out or stocks and shares, while liabilities take money from our pockets like expensive cars and holidays. It is still possible however to allow yourself some luxuries in life and a sensible strategy would be to allow your assets to pay for your liabilities for example rental income or share dividends paying for a holiday. In this famous bestselling book, Rich Dad Poor Dad, Robert Kiyosaki points out that the Rich acquire assets and the poor and middle class acquire liabilities that they think are assets. For the last 14 years I’ve been investing in the stock market buying mainly UK large cap FTSE 100 companies which pay reliable dividends. Some people use the dividends as passive income but I reinvest the dividends and allow them to compound over time. I try to invest in companies which have strong balance sheets and who benefit from economic moats. Over the years I have grown my portfolio to around 25 individual companies spanning a range of sectors. To diversify further I also buy index tracking Exchange Traded Funds such as Vanguard’s VHYL which gives me exposure to companies paying high dividends from around the world and Black Rock’s IUSA ETF which gives me exposure to the complete S&P500 index. To protect my investments from tax, I use a stocks and shares ISA. With this tax shelter there is no capital gains tax or dividend tax to pay and you are able to protect up to £20,000 a year. For my emergency fund I use Premium Bonds which is operated by National Savings and Investments. You are able to invest up to a maximum of £50,000 and all your winnings are tax free. Your capital is fully protected by the government. By having an emergency cash reserve, I hopefully never need to sell my shares and can allow them to compound and grow over time to hopefully enable me one day to reach financial independence and have the option of retiring early if I wish to do so.
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Пікірлер: 136

@playingFTSE Жыл бұрын

Most British thing ever wanting enough income for a cup of tea everyday 😂

@Rosiethepointer Жыл бұрын

Enjoy your videos, had a chuckle at the Carerra GT in the thumbnail - quadrupled in value over last few years, would have been a terrific asset to have got in the mid 2000s!!

@TheCompoundingInvestor Жыл бұрын

Thanks Glen. I clearly need to do more research into cars lol. All the best my friend and thanks for watching and commenting.

@thedownshiftchannel Жыл бұрын

I was about to come to comment that hahah

@MrRoyck10 Жыл бұрын

I am a collector of luxury items which was traditionally deemed as liability but with my experience of collecting haute horology, writing instruments, numismatics bullions and cars. A good profit lurks without paying CGT. I buy liabilities when they reach the lowest depreciating point, I keep them (enjoy it) before they return as appreciating classic and I will dispose it. The car that you showed is a Porsche Carrera GT, that car is gold dust if you bought it new £250k you will sell it for £1.2m minimum in average condition. The term investment in its broader terms includes watches, that 10 years ago was £5k today is going for £30k in very well used conditions. I have a portfolio that includes stocks and shares, I started individual stocks only last year, but have always had ETF / index funds, the sweetest money comes from those liabilities that I bought, some laughable items can bring in good returns than conventional investments. Nice getting your input on this topic and thanks for inspiring me.

@TheCompoundingInvestor Жыл бұрын

Thanks CK 888 for sharing your journey and knowledge. You clearly demonstrate that using the right strategy you can turn liabilities into income producing assets or ones which rise in value over time. All the best on your journey my friend

@gurdeepchumber2764 21 күн бұрын

Wow great content love the way the bills being paid by the companies who send them now, hopefully in the years that come my compounding effect will be similar 🙏🏽

@TheCompoundingInvestor 21 күн бұрын

Thanks and all the best, Gurdeep

@bjorn9131 Жыл бұрын

finally another video of the best youtuber in the world!

@TheCompoundingInvestor Жыл бұрын

Thanks Bjorn and all the best to you

@ThomasGoldstepFinance Жыл бұрын

Another great video! Thanks for sharing! Reminded me of when I first read Rich Dad Poor Dad - simple concept of buying assets and avoiding liabilities but blew my mind at the time!

@TheCompoundingInvestor Жыл бұрын

Thanks Thomas. I remember seeing a documentary on him many years ago. He had some very nice looking cars but I remember him saying that these have all been paid for by money from his income producing assets. That was quite a powerful concept. All the best with your channel mate!

@popovlerusse1443 Жыл бұрын

My friends, everytime you have spoken about Rolls Royce and you said the aviation will make its comeback, well, Rolls Royce have posted 2022 financial year results. They are 17% up on the stock market at the moment. You said, you predicted it, reason why i have watched every single of your videoa and unboxing dividend. You always say patience, long term and no worries about prices. Bravo. Bravo.💪🏿💪🏿💪🏿

@TheCompoundingInvestor Жыл бұрын

Yeah I saw that today. Incredible. Maybe the dividend will return in the not too distant future.

@aligator651 5 ай бұрын

Great work! Good to see Trakai in your video :)

@TheCompoundingInvestor 5 ай бұрын

Thanks so much

@knowledgeseeker5499 Жыл бұрын

Absolutely love your videos ❤🎉 I can’t wait for next one every time I see your video 👍

@TheCompoundingInvestor Жыл бұрын

Thanks so much. I really appreciate it

@George-ps5 Жыл бұрын

0:39 I sold my car to work from home; you don’t always need one

@DrBretPalmer Жыл бұрын

That's exactly where I keep my savings in premium bonds.... much better than a bank for sure and more fun

@TheCompoundingInvestor Жыл бұрын

I definitely agree. Good luck with future draws

@DrBretPalmer Жыл бұрын

@@TheCompoundingInvestor You to.

@infour44 Жыл бұрын

Really useful and clear, especially for ‘starters’ 👍

@TheCompoundingInvestor Жыл бұрын

Thanks so much for watching and commenting

@stephen6262 Жыл бұрын

Great video I need assets

@TheCompoundingInvestor Жыл бұрын

Thanks Stephen

@gianlucapagnoni283 Жыл бұрын

As always great inspiring video!Emergency funds into the NS&I premium bonds was a precious tip, thank you! I built mine opening easy access saving accounts with HSBC (10k 3%), Barclays (5k 5.12%)and Santander (4k 4%) offsetting the fees with promotions, I think it’s worth sharing for the sake of contribute to the topic 😊

@TheCompoundingInvestor Жыл бұрын

Thanks Shawn. You are clearly getting some good returns there. Nice one.

@NFTinvestments74 Жыл бұрын

The best investment channel on YT. I look forward to every video you produce. Youngsters especially could learn a lot from your content.

@TheCompoundingInvestor Жыл бұрын

Thanks my friend

@drewburnard Жыл бұрын

Always happy to see a video from you. I hit my first goal of being paid every month. Next is just slowly building that up. End game is to be able to pay my mortgage of it, unless I somehow pay the mortgage down first lol

@TheCompoundingInvestor Жыл бұрын

That sounds like a plan Drew. Nice work. Always motivating to see those dividends rolling in and somehow seems to focus the mind helping us to spend a little less on unnecessary stuff.

@kernow1953 Жыл бұрын

Another fine video with simple common sense advice. I wish this sort of content had been available when I first started buying stocks in the eighties. I’ve done OK but with your video’s I would have done even better. Keep them coming!

@TheCompoundingInvestor Жыл бұрын

Thanks my friend and all the best

@abi-ci8lh 11 ай бұрын

Great advise!

@Norfolkpaul Жыл бұрын

Great video 😊☕️

@TheCompoundingInvestor Жыл бұрын

Thanks Paul

@mpersard Жыл бұрын

Thanks for sharing those great tips as always. Very helpful 👌🎉

@TheCompoundingInvestor Жыл бұрын

Thanks Mr P

@Cocomerise Жыл бұрын

New sub❤ love this video as it’s easy to understand for beginners like me. I need to start investing to pay for my daily coffee run 😂

@TheCompoundingInvestor Жыл бұрын

Thanks Jojo and all the best on your investing journey

@Dr.JubairsFinance Жыл бұрын

What a great evergreen video

@TheCompoundingInvestor Жыл бұрын

Thanks Jubair

@PointNemo9 Жыл бұрын

A Carrera GT is definitely an asset. They cost about £300,000 when new in 2005 and are now worth over £1 million.

@TheCompoundingInvestor Жыл бұрын

Thanks Francis. Others have said a similar thing about that car. Amazing.

@shaneomack5018 Жыл бұрын

Brilliant video friend. This year , over the past years , we are getting out of individual companies and investing more into cover call etfs, traditional etfs and reits. We 💯 are staying out of the Nasdaq as a whole and trying to stay in the Russell and s&p. 2023 and we have definitely seen more consistent dividends roll in

@TheCompoundingInvestor Жыл бұрын

Thanks Shane, yes I’m buying more ETFs these days. Makes a lot of sense. All the best

@JD5014 Жыл бұрын

enjoying this episode with a cup of tea :)

@TheCompoundingInvestor Жыл бұрын

Enjoy your brew and thanks so much for watching

@trunky3315 Жыл бұрын

Hello and thanks for the video. As liability I only have a good car but it is because it makes me happy when I am driving so I guess it is important in life and moreover to stay motivated to invest. I am not a consumer for clothes/restaurant ect, so I save a lot of money and invest a maximum in the stock market :) see you next time.

@TheCompoundingInvestor Жыл бұрын

Thanks so much for watching and commenting Trunky. Best regards to all in France 🇫🇷

@AnonABC123 Жыл бұрын

Love your videos dude…i proper lol’d at the Carerra GT! 😂 price new back in 2004 £330k, price today £1,330,000…7% increase in value year on year compounding over time. Not all cars are “silly purchases”, some play a very fine line between being an asset or a liability just takes a proper collector or enthusiast to know what to buy.…same goes for art, antiques, watches, etc. It’s possible to enjoy the finer things in life, shower yourself in some luxuries and still reap the benefits of the “asset” increasing in value 👌🏼

@TheCompoundingInvestor Жыл бұрын

Thanks my friend. Just shows how little I know about cars 😂. Yes I agree it is often not so clear cut what an asset is and a liability. As you point out there are many exceptions.

@AnonABC123 Жыл бұрын

@@TheCompoundingInvestor For sure! Just noticed after leaving my comment that many others left similar ones about the Carerra GT, even if you are sick of the comments pointing this out, all the engagement helps the algorithm I guess 😅 you’re videos have been a big help to me since the start of the year, do you plan on doing any on savings bonds? I’ve recently taken advantage of some high interest rate bonds, specifically with Ford Money which was paying 4.25% over 2 years so I diversified my investment portfolio and put a chunk in that for save safe keeping and guaranteed ROI 🙌🏼

@TheCompoundingInvestor Жыл бұрын

I've really only had experience of premium bonds which I've held for several years as an emergency fund. There is a website called MoneySaving Expert and also a KZfaqr called Andy CleverCash who does some videos on savings bonds which you might find useful. Perhaps its an area I'll research in the future.

@lawrencer25 Жыл бұрын

Well said . It's a path I have gone down . For example. Bought my Porsche GTS 2 years ago . I have had great fun with it . Porsche have offered my money back . In two minds if I want to sell ? I will be without a 2nd car😢

@lawrencer25 Жыл бұрын

@@TheCompoundingInvestorit's not your normal car these days . I have had my classic car for over 20 years . Takes a lot to maintain. Worth 28 X more than I payed for it . Iam into passive income and own over 12 registration plates . One of my best returns is a plate I bought 30 years ago for £499 , including taxes and transfer. Worth over £95K . I know it's worth that much , as I keep on getting offers. Have to have a separate insurance just for the plate and get a new value from the insurance company each year . Keep the good work up❤❤❤❤

@HenrikWong Жыл бұрын

Thank you for reading my comment earlier and really love your video!!! Will you run us through your emergency fund as well such as Bond and why you using it?

@TheCompoundingInvestor Жыл бұрын

Thanks Henrik. I use premium bonds in case I need cash in an emergency so I don't have to sell my shares. I also save some cash in an instant savings account when the market is high and use this extra money to buy more shares if the market crashes.

@valsej2751 Жыл бұрын

Hi mate spot on video again. But Have you thought about opening a discord or opening a chat where like minded people discus their stock pics ? But heavily moderated to avoid the scammers? I'd join you've helped me massively

@TheCompoundingInvestor Жыл бұрын

Thank you. I've not considered it yet to be honest but I'll keep my mind open to it for the future.

@valsej2751 Жыл бұрын

@@TheCompoundingInvestor I'm here if you ever do mate :)

@BiscuitsXL Жыл бұрын

Great video as always!, any chance of a video on rebalancing a stock, or if the video is too short maybe a short instead 😅

@TheCompoundingInvestor Жыл бұрын

Thanks for the suggestion Biscuit. I'll give it some thought

@chrispycrutch Жыл бұрын

Great video and content as always, any reason you would go with IUSA and not the Vanguard version VUSA?

@TheCompoundingInvestor Жыл бұрын

Thank you so much. As far as I know they are very similar in all respects. I already had a FTSE 100 ishares ETF on my Barclays platform so when I later bought the S&P500 version I went with the same type (ishares).

@the_real_swiper Жыл бұрын

Something to think about! For example, a private jet is an asset in the sense that it saves the owner time getting from A to B, for example, so that you can set up a lucrative business deal faster, or sell your product to a bulk buyer faster than the competition. Time is money.

@TheCompoundingInvestor Жыл бұрын

Yep, that's making good use of a liability to generate income. Not all liabilities are used in this lucrative way. Something to think about indeed. Thank so much for watching and commenting and all the best on your journey.

@MAFFSKI666 Жыл бұрын

Love your videos! You’ve inspired me and now I own lots of HDLG and FUSI in my portfolio. I am worried about dividend withholding tax (15%!) - do you happen to know if these two ETFs are subject to this tax? Thank you and keep up the great work!

@TheCompoundingInvestor Жыл бұрын

Thanks very much. I’m not familiar with those ETFs but if they are domiciled outside of the US then I would imagine you would have to pay 15% withholding tax. I’m sure I pay this with my IUSA ETF but as the dividend is fairly low anyway I’m not too worried about it.

@myafrosheen Жыл бұрын

Why are you worried about the withholding tax? It's done automatically and there's nothing that you need to do on your end

@maduroholdings Жыл бұрын

it's not easy to discipline to do this but it's true every non appreciating asset I bought except for a few guitars depreciate a lot. I almost bought a Harley and bought a foreclosure instead in 10 years it was worth 20 of those Harleys

@TheCompoundingInvestor Жыл бұрын

Thanks for watching and commenting.

@danielcuttle Жыл бұрын

Rich Dad Poor Dad 💪

@ChRiiZjOhN Жыл бұрын

Do you actually lease a car? Also, what’s your opinion on tritax big box?

@TheCompoundingInvestor Жыл бұрын

I bought my last car and kept it for 15 years. I tend to run them into the ground instead of regularly replacing them. I nearly bought Tritax a few years ago. I continue to monitor it as this is a sector which I don't have in my portfolio.

@RoadRunnerMeep Жыл бұрын

A house as an asset by renting out is good, but what advice is suggested for when you have multiple properties and you hit a downttime where none of them become rented? Say 10 houses with no renters for 6 months. That's 60 months worth of liabilities to pay for

@TheCompoundingInvestor Жыл бұрын

This is one reason I feel more comfortable owning shares in large established companies diversified over many sectors. I don't really know too much about the property market and all the potential pitfalls which could arise.

@slabbygabby 10 ай бұрын

What about QYLD?

@porlugaresondepassei Жыл бұрын

you start really early i wish i know about stocks before but that okay better latte than never im 27 now

@TheCompoundingInvestor Жыл бұрын

Plenty of time on your side for compounding to do it’s magic. Good luck on your journey

@alanetamiresnouk Жыл бұрын

@@TheCompoundingInvestor Thanks man, I really apreciated your videos it helps a lot to gain knowledge about the market

@guitarsandcheesecake1632 Жыл бұрын

Great video. But an asset is, something or someone of value. Or something that can be sold for money. And try telling my mates estranged wife's solicitor, that his car is not an asset....... something of worth!!!

@TheCompoundingInvestor Жыл бұрын

Thanks so much and I agree. Accountants seem to define assets differently to the rest of us

@guitarsandcheesecake1632 Жыл бұрын

@The Compounding Investor the first part is the actual dictionary definition. Nothing to do with Accountants

@livingart2576 Жыл бұрын

I disagree that a car is always a liability. A good car gives the impression of wealth and this impression can lead to others taking you more seriously and increase the likelihood of you making that sale. Also, we need a car to get to and from work. We go to work to obtain wealth which we can use to buy assets. Thoughts?

@TheCompoundingInvestor Жыл бұрын

In one sense a car could be seen as a depreciating asset like a useful tool and you are clearly using that tool to obtain great economic benefit despite it most probably losing value as time progresses. Thanks so much for your comment and you raise a good point.

@aarondawkins8668 Жыл бұрын

Thanks for the great vid. Can I ask, what’s the average value of a purchase that you would make at a time?

@TheCompoundingInvestor Жыл бұрын

Thanks. Generally I buy £500 at a time.

@aarondawkins8668 Жыл бұрын

@@TheCompoundingInvestor Thank you for your reply

@TheCompoundingInvestor Жыл бұрын

No problem. Happy to help

@Whiskah Жыл бұрын

As someone who took out a small loan to have all the windows replaced on the house I moved into (which I'm still paying off) would this be a excusable liability? Would love to have saved it all instead but the house just keeps on asking for more..

@TheCompoundingInvestor Жыл бұрын

Definitely an excusable liability as without maintenance and repair a house could become and even greater liability.

@Ricky-kd5km Жыл бұрын

Nice problem to have but I wonder what you would do if you want to invest more than £20k. Do you also invest in a general investment account out side an ISA?

@TheCompoundingInvestor Жыл бұрын

Yes I put the extra into a general investment account (also with Barclays) but buy shares with low or no dividends so I don’t go above the tax free limit. This will become more difficult to do in future years of course because of the changes to the tax free dividend allowance in the last budget

@Ricky-kd5km Жыл бұрын

@@TheCompoundingInvestor makes sense I was looking to do the same. The £500 tax threshold is quite low.

@TheCompoundingInvestor Жыл бұрын

I agree it’s ridiculously low. It used to be £5000 a few years ago when George Osbourne was chancellor. At the moment I’m mainly buying an S&P500 ETF outside the ISA which has a 1.4% yield.

@balance3201 Жыл бұрын

Just had a non paying tenant, cost over 10 k n one year to get rid

@TheCompoundingInvestor Жыл бұрын

Ouch! Sorry to hear that. Sounds very frustrating indeed. ‘Buy to let’ not an area I know much about but I hope it goes more smoothly for you from now on.

@SovereignSaurus Жыл бұрын

4:05 Are we not going to talk about how much milk went in that brew? You could halve it, still have too much and save enough to buy a couple of extra shares each month

@SovereignSaurus Жыл бұрын

In seriousness, great video. I like to keep my actual living costs relatively low Vs income and mostly invest or accumulate in gold

@TheCompoundingInvestor Жыл бұрын

Haha. Even better

@TheCompoundingInvestor Жыл бұрын

Thanks. Spending less than earnings so important.

@TheCompoundingInvestor Жыл бұрын

I believe the original calculation I made was 0.05p water, 1.2p tea bag, 0.7p milk and 1.05p electricity making a total of 3p a cup

@alastairdickson5131 Жыл бұрын

I think the house I live in is an asset as I’ve no mortgage and therefore no rent 🤷‍♂️

@TheCompoundingInvestor Жыл бұрын

That’s a great achievement to have no mortgage to worry about.

@CaroleBoden Жыл бұрын

oops just ordered a new mazda hybrid.

@TheCompoundingInvestor Жыл бұрын

Nice car!

@youknowtherules8888 Жыл бұрын

Do you not worry that your broker could go bust and that you could lose over £200K in assets? What’s your end goal with dividends? Oh also do you use the full £20k isa allowance every year or has there been years when u haven’t been able to meet the allowance amount?

@TheCompoundingInvestor Жыл бұрын

Broker going bust is always at the back of my mind I have to admit. Barclays is a traditional platform and with many years of experience so perhaps more resilient than other newer ones but there are obviously no guarantees in life. They do however ring-fence customer assets (shares and cash) from their own so in the event of disaster they cannot touch customer assets. They also don’t lend out your shares to others which some newer platforms do I’m afraid to say. In terms of end goals for dividends I simply work towards my next target of an extra £100 a month in dividends, not really looking beyond these small steps. If I did have a target I’d love to reach it would be to earn more through dividends each month than the day job but I doubt I’ll achieve that. Apart from that I’m simply enjoying the journey.

@ianbutters469 21 күн бұрын

What happens when the stock market crashes?

@TheCompoundingInvestor 21 күн бұрын

I put more money in when that happens. Long term investors do well when crashes happen because they buy more shares at lower prices. I've made a video on what I did the last time there was a crash.. kzfaq.info/get/bejne/itaCrLtoztbTZmg.html

@AimeeLoves 21 күн бұрын

When the market crashes you shove as much in as possible, thats what I did in 2020

@ghosthdel3098 Жыл бұрын

It is not about buying an assets over liabilties. Moral of the story is how to get get the less fortunate people and steal their wealth and future and put that in your pockets. I.e. Buy a house and rent it out - the less fortunate cannot afford to buy a house so they will be stuck in that vicious circle while you are rapng them by increasing the rent every year = more money in your pocket when you hit 65years old.

@AimeeLoves 21 күн бұрын

Anyone can buy assets, you need about 2$ to buy certain stocks. This is a game of patience and disapline most people don't have the willpower for. My previously homeless friend is doing great now by learning those skills and starting small

@Justaleedsthing Жыл бұрын

Do you work? Or have you retired

@TheCompoundingInvestor Жыл бұрын

I have a full time day job which I enjoy. Generating passive income gives you the option of going part time if you want to or retiring early.

@cliffdariff74 Жыл бұрын

Car is not a liability if you use it to commute to a good paying job. Sorry.

@AimeeLoves 21 күн бұрын

But it is, the item itself will not make you money. If you were to buy bus tickets in place of a car to get to that good paying job, those tickets are still, at its core a liability. As with the food we eat to stay alive, and clothes we wear to said job.

@George-ps5 Жыл бұрын

3:38 👏

@George-ps5 Жыл бұрын

8:34 They’re going to tax ISAs soon :(

@DaveWhitehead Жыл бұрын

Do you have a source for this? There are no plans to change the tax nature of ISA’s

@TheCompoundingInvestor Жыл бұрын

I think it’s only a recommendation from some kind of “think tank”. I’d be surprised if it happens.

@George-ps5 Жыл бұрын

@@DaveWhitehead ISA ISA Baby

@ascgazz7347 Жыл бұрын

Ok so you didn’t lease the Tesla, but you don’t tell us how you solved your travel problem either. Just save the money and never go anywhere? Walk everywhere? Star Trek transporter? Just another trading video..

@TheCompoundingInvestor Жыл бұрын

I generally buy second hand cars and keep for between 10-15 years and run them into the ground, but if you see a cheap Star Trek transporter going cheap then do let me know :)

@alexbright7735 Жыл бұрын

You will be happy to know £50 is on its way to you 💸💸. I switched to OctupsEnergy just now. I wanted to switch a few months ago but worked out more expenses. I am glad I came across this video because I checked again. Now cheaper than EON Next. I cant wait to see you invest your new wealth in more dividend stocks. 😀😀💰💰 Thank you for the content glad you get some money 💰💰💰

@TheCompoundingInvestor Жыл бұрын

Thanks so much Alex, that's awesome! I hope you enjoy your new energy provider. With the £50 I'll now be able to reach new heights of investing greatness 😄. I'll use it wisely. All the best.

@alexbright7735 Жыл бұрын

@@TheCompoundingInvestor Thanks switch went through and my supply changed on 28th June. best wishes

@TheCompoundingInvestor Жыл бұрын

@@alexbright7735 I’m glad it went smoothly for you Alex and thanks again! All the best.