UK Investment for Beginners: Do It Yourself or Do It For Me?

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Күн бұрын

Should you invest yourself or pay someone else to do it for you? The DIY option is usually cheaper but it doesn't have to be complicated. We explore how to Keep It Simple and Keep It Cheap. If you do it yourself you'll need an investment platform and you'll need to choose some funds.
Looking for a home for your ISA? Our friends at InvestEngine are offering a £25 bonus when you invest at least £100 (Ts&Cs apply) investengine.pxf.io/AoxaPN If you decide to register using this link then we will also receive a small commission.
Capital at risk. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128)
What Else PensionCraft Offers:
💡 Become a pensioncraft.com member and learn how to be a better investor. To find what we offer and how you can join our friendly community click here www.pensioncraft.com/investor...
❓ Book a coaching session with Ramin so he can answer your questions in a one-to-one video call via Zoom: pensioncraft.com/power-hour/
📰 Sign up for our free weekly market roundup to get news and views about what's going on in the stock market and wider economy pensioncraft.com/market-roundup/
📖 Understand investment in more depth with my online courses pensioncraft.com/courses-we-o...
Where Else You Can Find Me
🎧You can check out my weekly podcast all about investing here many-happy-returns.captivate....
🌐 Website - pensioncraft.com/
📱 Twitter - / pensioncraft
👨 Facebook - / pensioncraft
🔗 Linkedin - / pensioncraft
Tools I Use To Create My Videos
✔️ My primary data source is SharePad and an affiliate link for this is here sharescope.co.uk/pensioncraftsp (This link provides new users with a special offer and gives me a small commission)
The rest of the tools I use are free open source software:
✔️ ggplot2 package in R for my plots
✔️ RStudio to edit and run R code
✔️ OBS to record my videos and live streams
✔️ Kdenlive to edit my videos
Take A Look At Some Of My Other Videos & Playlists
📹 Investment Strategies playlist • Investment Strategies
📹 Economy & Investing playlist • Economy And Investing
📹 Behavioural Investing playlist • Behavioural Investment
📹 Investing Strategies From Beginners To Advanced video • Investing Strategies F...
DISCLAIMER
All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results.
#PensionCraft #investingforbeginnersuk #FinancialLiteracy

Пікірлер: 105

@Pensioncraft Жыл бұрын

Looking for a home for your ISA? Our friends at InvestEngine are offering a £25 bonus when you invest at least £100 (Ts&Cs apply) investengine.pxf.io/AoxaPN If you decide to register using this link then we will also receive a small commission. Capital at risk. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128)

@jemeriah2467 5 жыл бұрын

You have good clear presentation skills, along with helpful graphics, you should have more views,

@Pensioncraft 5 жыл бұрын

Thanks jemeriah puddleduck!

@jaehus1971 4 жыл бұрын

Totally agree.

@christophergray1627 3 жыл бұрын

Bitcoin trading is easier when you have have the strategies and knowledge, I tried to trade on my own but ended up confused, I advise you place your trade on expert who knows how to trade and a reliable one

@bradcorby5091 3 жыл бұрын

Becoming a full time crypto trader requires an eminent amount of trading experience and also a passion for trade else you gonna blow off your account.

@wkevant357 5 жыл бұрын

Thank Ramin! Excellent video as always!!

@Pensioncraft 5 жыл бұрын

Thank you Wkev Ant!

@planum412 3 жыл бұрын

Fantastic video as always! Simple, clear and to the point!

@Pensioncraft 3 жыл бұрын

Thank you I am glad you liked it

@daveslow84 4 жыл бұрын

When a grey-haired gentleman references Doom in a video about pensions... Reminds me of my age :D subbed! Absolutely fantastic content!

@MrWARRIORMONKS 4 жыл бұрын

exactly my thoughts!!!

@simony2801 4 жыл бұрын

@@MrWARRIORMONKS Me too - depressed now :)

@mreyybree 4 жыл бұрын

This is just amazing. Thanks so much. I think I’ll soon be joining the Patreon group

@Pensioncraft 4 жыл бұрын

Hi Dragos Strugar, Thanks for your support and if you have any questions about joining i'd be happy to have a quick chat with you. Just drop me an email ramin.nakisa@pensioncraft.com

@nancypelambato86 4 жыл бұрын

best investment video i ever watch.very clear presentation..

@krishnack79 6 ай бұрын

This is Amazing content , I have searching for such content , someone I can refer from almost 4 years , thank you for this channel

@Pensioncraft 6 ай бұрын

So nice of you @krishnack79

@mazensleiman3863 4 жыл бұрын

Since the covid isolation started, I have been an avid watcher for your channel. I want to start my own ISA investment account and I found all your videos are extremely useful. Keep up the good work.

@Pensioncraft 4 жыл бұрын

Thanks for watching Mazen Sleiman, I’m pleased you’re finding them useful. Ramin

@user-tg7ei6tb9x 3 ай бұрын

@@Pensioncraftwhat platform do you use ? And what one is the best ? Lowest cost and best functionality and service Thanks

@mujdo1 5 жыл бұрын

Thank YOU for teaching.

@Pensioncraft 5 жыл бұрын

I'm glad it was useful for you mujdo1, thanks Ramin

@mikesmith3235 5 жыл бұрын

Same year of birth as me Ramin and loved the Doom reference! Keep up the good work.

@Pensioncraft 5 жыл бұрын

Hi Mike, I wasn't sure if people of different vintages would get the reference, but I'm glad someone got it! Thanks, Ramin.

@christopherflynn843 4 жыл бұрын

Subbed, thank you!!!

@bainzylad 5 жыл бұрын

So useful. Thank you

@Pensioncraft 5 жыл бұрын

Thank you Liam.

@george6977 Жыл бұрын

👍I ❤ your Scooby do chart, it helped me decide asset allocation, then used justetf to select US Treasury 7-10, and 20+ year bond ETF for this years ISA fun portfolio. 😂

@takethecannoli999 5 жыл бұрын

Great video, I have a two fund strategy using a do it youself VWRL and AGGG with a 75% 25% split using Internax as my platform.

@Pensioncraft 5 жыл бұрын

Hi Rob, I'm glad to hear that this works for you. It's nice to keep things simple. How are you finding it - are you ever tempted to add more funds? Thanks, Ramin.

@bogdann.2832 4 жыл бұрын

Hi Ramin, and thank you very kindly for this video, found it truly useful! One question if you'd be able to answer, at 10:57 you mention VWRL - is this the UK equivalent to the VTI fund from Vanguard? Thank you in advance, subscribed.

@thehaffytaffy 5 жыл бұрын

Great video btw!

@Pensioncraft 5 жыл бұрын

Thank you Ali. I hope you liked the Doom reference?

@conanlaurie7788 4 жыл бұрын

pensioncraft, what do you like more the vanguard global all cap fund or vwrl? great content btw!

@Dayglowvista 5 жыл бұрын

Great video. Any chance of future vids on DIY cheap/simple alternatives to vanguard funds? I'd also be interested in seeing reviews of other platforms, such as ii. Thanks.

@Pensioncraft 5 жыл бұрын

Hi Day Glow Vista, Interactive Investor is on my list. It's included in my course on "Finding the Right Investment Platform" pensioncraft.com/register/investment-for-absolute-beginners/finding-the-right-investment-platform/ The Blackrock Consensus funds are similar to Vanguard LifeStrategy funds and the fee is almost identical. I should do a comparison, but at the moment I'm focussing on this introductory series for UK investors. Thanks, Ramin.

@robertthomas3461 5 жыл бұрын

Incisive and authoritative commentary. Enjoyed all of your videos and learnt much from them. I would be looking forward for a review of the forthcoming vanguard sipp when it is released.

@Pensioncraft 5 жыл бұрын

Hi Robert, I'm glad you find the videos useful. I'll definitely be reviewing it when it becomes available sometime after April. Thanks, Ramin.

@robertthomas3461 5 жыл бұрын

@@Pensioncraft Thanks. I look forward to it. FYI: Vanguard have told me that they will accept transfers of stakeholder pensions into their new SIPP, which is good given that people took out stakeholder pensions with 1% annual fee, but they didn't really take off and the scope for transfers are limited. I think the whole ISA v SIPP for retirement is a related interesting issue. There is a real need for UK-based investor education and you're filling that gap. Keep up the excellent work!

@Pensioncraft 5 жыл бұрын

Hi Robert, I didn't realise stakeholder fees were so ridiculously high. The government cap is 1.5% for the first ten years then it falls to 1%. I saw some big providers are charging 1%. That is _very_ high, and I hope Vanguard sets the cat amongst the pigeons when it launches its SIPP later this year. Thanks, Ramin.

@javiporras3396 4 жыл бұрын

Keep it up !

@simplydividends 5 жыл бұрын

Thank you for the video Ramin. Informative as always. I've been working over the last few months on what will suit my investment appetite best. Last year I started using a well known robo investor. They are so simple and in the meantime has made me do hours on hours of self research and education for taking my next steps in the investing world. Low fee self picked funds seem a great option in my opinion to one who has done the appropriate research (as I feel I have been doing). Funds being diversified enough in themselves to please my level of risk yet still somewhat specific such as geographical or stock market targeted. I've used a lot of paper drawing up potential allocations and looking forward to using my 19/20 ISA allowance soon. I'm looking at 4 to 5 potential funds which overall will be very well diversified which I feel is important with how bull the markets have been the last decade and global affairs. Unfortunately I was too young to start in 2009! One thing that has recently crossed my mind with regards to low risk bonds or even cash, how much better are global bonds growing compared to the best fixed rate cash savings these days? 1 year fixed accounts of up to 2.2% are available in the UK which is guaranteed money so could potentially be the best safety net to a diverse portfolio. You obviously sacrifice a bit of liquidity and miss out on potentially a small outperformance but eliminate a loss on the bond markets. I'd like to make a quick gratitude reference to the 'scooby-do' take on the vanguard allocation video mentioned here. It makes sense and is another thing to add to my educational bank!

@Pensioncraft 5 жыл бұрын

Hi Josh, that's a really interesting point about cash. Looking at bond risk a very important measure is "duration" which is how long you are locking in a fixed rate. The longer the duration the greater the interest rate sensitivity of the bond's price and its risk. The "duration" of cash is zero which means you are taking no interest rate risk at all. So cash is a contender, with several brokers saying it will offer the best returns in 2019. Cash also, by definition, has zero correlation with any other asset so it is a great diversifier. If you can match the returns of, say, a US Treasury fund with a cash deposit with no credit risk then that's certainly something to consider. Thanks, Ramin.

@VBLikes 5 жыл бұрын

Excellent video

@Pensioncraft 5 жыл бұрын

Thank you random 13!

@shizik001 5 жыл бұрын

Hi. Where do you get timeseries data for correlation, volatility or charts like that on 12:16. Can the timeseries data be downloaded from vanguard website?

@nubianra6965 4 жыл бұрын

Thanks

@Pensioncraft 4 жыл бұрын

Hi Nubian Ra I'm glad you found it useful. Ramin.

@caseybanana8114 4 жыл бұрын

Great vid

@Pensioncraft 4 жыл бұрын

Hi Casey, thank you! Ramin.

@simonadams4630 Жыл бұрын

Nice video. I’m not sure the comments on bonds has stood the test of time however. Would you still recommend all portfolio’s include bonds?

@solomit1 5 жыл бұрын

Another way of investing yourself and keeping it simple is to invest in investment trusts if you go to Association of Investment Companies website you can find so much information of different types of investment companies that might suit your needs

@Pensioncraft 5 жыл бұрын

Hi Gerardo, another great thing about investment trusts is that they don't have to buy and sell as popularity in the fund waxes and wanes. That means they will never face the liquidity issues that surfaced in Woodford's Equity Income fund. However they are more difficult to understand than simpler wrappers such as ETFs. I also don't like the fact that the cost of trading an investment trust can be high. Thanks, Ramin.

@solomit1 5 жыл бұрын

@@Pensioncraft Hi Rumi, Maybe investment trust for people have a bit more experience in investing, I have always liked investment trust i don"t like idea of a fund with managers the way they charge and make so much money and run for their benefit, I like the fact that Investors in investment trust are like shareholders and meant to run for their benefit you can vote at general meeting if you like which i never do. Trading cost stamp duty can be high its like buying a share but you usually hold it for long term. I have held trusts more then ten years after losing money during the dot-com i needed to find a more stable way to invest at same time still like owing shares in a company. I have held over tens years the likes Scottish mortgage, Rit-Capital, Partners, Monks. British empire, Law debenture, Caledonia and recently Personal Asset. Thanks Gerardo

@tc9634 5 жыл бұрын

I must be super-complicated then, my ISA is 30% VMID 15% FTSE UK All Share 15% Global All Cap 5% VHYL 5% VVAL 5% VMVL 6% inflation linked gilts 6% UK government bond 6% global bond 6% UK investment grade bond I leave a bit left over as cash for a tad more stability and to make it easy to take advantage of corrections

@Pensioncraft 5 жыл бұрын

Hi Tim, I like that portfolio, but it would break my rule of having to be able to name the contents from memory. Your memory's better than mine! And it's a great idea having some cash handy for a bargain. Thanks, Ramin.

@garethsmith1436 2 жыл бұрын

Could you choose 60/40 in favour of equities given the uncertainty of the markets and then reallocate to 100% equity when the market crashes/corrects? Im long term 10+yr investing so thinking of doing this, or would it better simply to leave at 100% now?

@404TRUCKERTV 4 жыл бұрын

5stars, great video.

@Pensioncraft 4 жыл бұрын

Thank you 404TRUCKER

@karimj5268 5 жыл бұрын

Hi there. I was wondering if you could comment on apps now like moneybox? Are they worth it, or am I just better going with Vanguard. Also re Vanguard, should I avoid picking individual funds and going for a general shares and bonds % as my financial knowledge, whilst not no existent, is rather limited. Thank you in advance, love your videos!

@Pensioncraft 5 жыл бұрын

Hi Karim, thanks for your suggestion. Moneybox is on my list. At the moment I'm focussing on introductory videos but Moneybox is something others have asked for so I'll definitely try and cover it. My primary worry would be the fee for the funds. www.moneyboxapp.com/faqs/fees-and-security/fee-breakdown/ 0.45% per year for the platform is pretty steep, you can get platform fees that are much lower than that. It's the usual story: the more you know the less you pay. Thanks, Ramin.

@tomstopper5281 Жыл бұрын

Hi, I am same age as you. Can I still start a sipp like from Vanguard in this tax year 2022/23?

@tomstopper5281 Жыл бұрын

So for a pension is either a pension found or a life strategy?

@benl19 5 жыл бұрын

What are your views on the Hargreaves Lansdown ready made portfolios? I have been saving in the balanced growth portfolio and I'm in for the long term 10-15 years so I was wondering if you would say this is a good option. I'm new to it and won't be offended if you tell me there are way better options. Thanks

@Pensioncraft 5 жыл бұрын

Hi Lills85, with any fund I'd assess it against my eight-point fund buyer's checklist pensioncraft.com/fundbuyers-checklist/ One of the most important considerations is the annual fee, and as Hargreaves charges 0.45% per year this is three times the platform fee for Vanguard, for example. IWeb has no annual fee at all but has an entry fee and trading fee. In spirit, the ready made portfolios are similar to the DIY robo approach which I mention in the video. If you get in touch we can discuss this in more detail ramin.as.me Thanks, Ramin.

@isaiah3107 4 жыл бұрын

Hi, I'm 24 and regarding buying 3 funds you mentioned at 8:45, do you think it's feasible/worthwhile buying 3 funds when the fees for each would add up? Great videos by the way!

@Pensioncraft 4 жыл бұрын

Hi Isaiah remember that the video was not a recommendation to buy any particular fund. But the platform you use will affect the trading charges hugely. Some platforms do not charge for trades, others charge a fixed amount. If you are investing a small account, say £100, and the trading fee is £5 then the fee for trading is 5% which is huge. So yes, if you're investing small amounts you should think about finding a platform where that isn't too expensive. Thanks, Ramin.

@stoodlychannel 5 жыл бұрын

As always a very thoughtful guidance in a sea of youtube nonsense when it comes to money management but if i may, missing the next low fee (

@Pensioncraft 5 жыл бұрын

Hi Raphael, I think very few people have the skill or the time to beat markets consistently over the long term. Many _think_ they can but the overwhelming evidence is that you almost certainly can't. I'd never heard of Butterwire, and I couldn't see a description but it sounds interesting. Thanks, Ramin.

@stoodlychannel 5 жыл бұрын

@@Pensioncraft Here's my take on the overwhelming evidence: 1) Funds are expert at charging more than they are worth (hence 90% underperform their bench after fees), 2) Before fees, institutions average 5% higher annual return than individuals (per a 2009 study by Brad Barber in Review of Financial Studies), 3) the quality of institutional research has been degrading steadily since the GFC (and most funds have drifted to closet-indexing) 4) for most of the past 45 years (2 exceptions being mid-90's and the past few years which had very low volatility/drawdowns and where a few very large-cap stocks delivered exceptional returns), equity index trackers have delivered mediocre returns for the risk taken. Against this backdrop, most people (with no financial literacy + small net worth) could indeed do a lot worse than parking their savings into the broadest (and in turn cheapest) possible ETF(s) and almost never touch them for the next 20 years. But for the more affluent (though not super-rich), more financially literate persons, keen to become competent stewards of their savings, new technologies (expert algo + machine learning + cloud computing) offer a great opportunity to raise their game in a time and cost-efficient manner, and possibly at the best time (following a period during which the ETF space got crowded on an unprecedented scale). The key is to follow a professional approach (in short, ensuring you don't get wiped out when wrong and ensuring to make it count when right). Feel free to visit butterwire.com and/or register on app.butterwire.com (free, no cc required) and use the live chat feature (it'd be my pleasure to continue the exchange). Butterwire is like a professional coach -- no magic wand but key insights to claw back a large chunk of the 5% "edge" deficit that individuals have vs. institutions.

@beserk7752 4 жыл бұрын

Hi currently have £170 do you have any advice or ways I can grow it I want to invest it but it seems way to low to make some good money

@matthewmeadows2817 5 жыл бұрын

hi.great content. where can we find your courses?

@Pensioncraft 5 жыл бұрын

Hi Matthew, the courses are all listed on my website here pensioncraft.com/courses-we-offer/ Thanks, Ramin.

@MoneyUnshackled 5 жыл бұрын

Good video as usual. I think you've been a little harsh on the robo investing fees. They're absorbing the cost of the platform and trading costs within their main fee. And then essentially charging a small premium for their advice. Of course I'd like the fee to come down a little😅 Hoping it will drop in future if competition drives prices down.

@Pensioncraft 5 жыл бұрын

I compared all of the solutions including the platform fee. Once you peel back the shiny wrapping the robo advisers are just expensive multi-asset active funds tied to a platform with all the usual worries about active manager underperformance net of fees. You can roll your own robo for half the fees.

@MoneyUnshackled 5 жыл бұрын

@@Pensioncraft for those that have a keen interest in investing I totally agree. But based on the questions we receive on our channel, many people are just overwhelmed by doing it themselves. For instance, many people are confused by the different fund types. This complexity can stop them from ever starting. The robo advisors help to bridge that gap for a mid range fee

@badass6656 4 жыл бұрын

I actually have shares in Brewin Dolphin. No wonder they are profitable. Honestly I would expect them to be more profitable given their charges. Are Vanguard funds available in the UK?

@Pensioncraft 4 жыл бұрын

Hi Bad Ass yes we have Vanguard funds here in the UK, I've done quite a few videos about Vanguard. Thanks, Ramin.

@noelgonsalves8309 4 жыл бұрын

Hi I'm interested in vanguard 80 %equity but am confused like should I go through barclays smart investor isa investment or direct with vanguard .as barclay charge 0.2% customer fee I.e 4 £monthly fee and 1£regular monthly fee plus 0.22 ocf from vanguard

@Pensioncraft 4 жыл бұрын

Hi Noel, the cheapest platform depends on the amount you invest. The fee for the fund is the same whatever platform you use and is subtracted from the returns of the fund, so in a sense, you never see that 0.22% LifeStrategy fee. Vanguard charges 0.15% of the amount you invest. As you say, Barclays Smart Investor charges 0.2% for funds, so is more expensive. Barclays Smart Investor also charges £3 per trade whereas Vanguard does not charge. Thanks, Ramin.

@noelgonsalves8309 4 жыл бұрын

@@Pensioncraft thanks a lot

@SteveMoore1969 3 жыл бұрын

WHO: can finance segway into old skool DOOM ? Watch this perfect video to see! The first 7minutes explain WHY At 8minutes its brilliant as asking WHEN ? An obviously it finishes with HOW in under 15minutes. It even mentions scooby doo!!!

@paulmolyneux9503 5 жыл бұрын

I had been using Trading 212 in which i was achieving 0% platform fee and 0% buy/sell fee. Unfortunately, I'm starting to doubt their long term viability. I withdraw funds to my bank account, and they short changed the amount I withdrew. I have tried to message them but no one gets back to me. I would avoid Trading 212 for the time being.

@Pensioncraft 5 жыл бұрын

Hi Paul, I try to steer clear of any sites that do Contracts For Difference (CFDs) because that's gambling not investing. The word "trading" is also a red flag for me. Take a look at the warning at the bottom of their website and consider whether you should do business with someone that knows 80% of their customers will lose money on some of their products: "CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 80% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money." Thanks, Ramin.

@paulmolyneux9503 5 жыл бұрын

@@Pensioncraft Hi, they'd don't just offer CFDs, which I agree are a disaster. They offer a share dealing platform and ISAs. The 0% fees are wonderful, particularly as it makes drip buying small amounts of shares or ETFs each month basically cost free. But like I said, I'm not confident in their long term viability.

@Pensioncraft 5 жыл бұрын

Hi Paul, other CFD sellers have realised they won't be viable as regulators are clamping down hard e.g. IG is in the same space. As a result they are using their platform to sell long-term investment via ETFs and usually offer cheap trading and platform charges. However, they continue to sell CFDs which might lure the unwary. That's why I'd still be cautious about using their platforms, and would hesitate to recommend them. Thanks, Ramin.

@screechypie 4 жыл бұрын

Hi Ramin, Thanks so much for making these videos. They're all fantastic, and all the better for Doom references! Perhaps this is not the place to ask for specific advice, but I'm building my own three fund Vanguard ISA portfolio currently and, based off your Scooby Doo model, have been considering: - Global Small-Cap Index Fund (40%) - FTSE Developed World ex-U.K. Equity Index Fund (40%) - U.K. Government Bond Index Fund (20%) So a relatively high-risk 80/20 split (I've just turned thirty and, fortunately, have plenty to spare at the moment). Does anything about the this portfolio stand out to you as glaringly problematic? Torn between making my own and just going for a Lifestrategy 80; however the performance of the funds listed above has been pretty exceptional over the last decade, and their fees aren't half bad. Thanks again, and best of luck in the current downturn!

@BuddhaSunn 5 жыл бұрын

I’m going to be 40 soon and only started investing last year. Would it be wrong for me to invest totally in equity? I’m looking to stay in the game 10-15 years depending on the right time to sell. I have a decent pension that kicks in at 60 with a tax free lump sum. Many thanks

@Pensioncraft 5 жыл бұрын

Hi GaylordFocker, that's your judgement call, but what I can say is that over 10 years to 15 years the equity market usually generates a positive return. It might be a good idea to take a look at the glide path in the video and see whether you feel comfortable taking a higher or lower equity allocation relative to that. If you want to get in touch I'd be happy to have a free ten minute chat ramin.as.me Thanks, Ramin.

@torval39 5 жыл бұрын

Some people talk about a 75/25% rule in which you should not invest less than 25% or more than 75% in one asset type (equities or bonds). The exact balance can be adjusted according to age, market conditions and risk appetite.

@wayneng3190 5 жыл бұрын

Hi there, do you have any affiliation with Vanguard?

@Pensioncraft 5 жыл бұрын

Hi Wayne, I don't have any affiliation with Vanguard. I'm funded via people such as yourself on Patreon so that I can remain objective. If you want to support my videos you can do so here patreon.com/pensioncraft I like Vanguard because their fees are low, and that's why I hold one of my ISA accounts with them. Thanks, Ramin.

@user-tg7ei6tb9x 3 ай бұрын

@@Pensioncraftdo you have affiliation with any platforms? Or are you completely objective and independent ? No conflict of interest ?

@user-ru5it6eb6k 2 жыл бұрын

the video image is too poor, you need to fix it more

@Sabhail_ar_Alba 5 жыл бұрын

Employed by Vanguard ?

@Pensioncraft 5 жыл бұрын

No Angus I'm employed by you and you can pay me by supporting me on Patreon! I try to keep independent and if I took payments from asset managers and platforms that wouldn't work. I talk about Vanguard a lot because they are so competitive on pricing. Thanks, Ramin

@Oldfogey2014 4 жыл бұрын

Most financial advisors are crooked, if not all, so you're better off doing it yourself.

@Pensioncraft 4 жыл бұрын

Hi Oldfogey Oldfogey there are some great financial advisors! But I do hear some stories of bad ones too, as with all things it's important to spend a lot of time finding a good financial advisor. But I do think the percentage fee model is broken, so a fixed fee model probably works better than being charged a percentage of your assets every year. For specialist tax advice or estate planning financial advisers are extremely useful. But like you I do all of my investments myself. Thanks, Ramin.

@randomtimewasterrtw9896 5 жыл бұрын

Do a video about NASDAQ100 please. Think you

@Pensioncraft 5 жыл бұрын

Hi MaXPower -pro what would you like to know? Is it investing in the tech sector via Nasdaq 100 trackers or the nature and composition of the index? Thanks, Ramin.