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I have no clue how stocks and shares work, ive mainly invested in gold coins for years and done pretty well. Im going to start investing, £500 a month into the developed world fund and not think about it for 20years, i no theres always risk but would that seem like a sensible move? Or do i need to monitor and possibly move money around over that time period, as thats what i want to avoid as my knowledge is zero?

Those rare stocks you describe aren’t hard to find if they have the huge market cap needed to prop up the index. Surely better to by a bag of the big 5 tech companies than a Nasdaq index?

Acquire the information about the BRICS and how to switch to the BRICS before the global currency reset takes place? Dont be a victim of that great reset. i offer free courses so the floor is opened to participate in the BRICS for your own safety. The Economy and Banking sector is at its brink, and a NEW MONETARY SYSTEM is taking over!

I watch you a lot and always like to hear what you have to say. This video in particular is just fantastic. Thanks!

in Idaho they block waterways to farmlands

Is it only me or is anyone else facing a declining retirement portfolio? Our retirement portfolio which was up $400k a year ago has seen significant decline.

The (TACRS) estimates that the average Baby Boomer has £202k saved up for retirement. According to the 4% Rule, this would result in a £8k annual retirement income. do I pull cash from my SIPP and buy a house, or spread my money in stocks for better cashflow?

You missed Lifetime ISA. I think it's worth a look for those under 40.

Thank you for this video. Can non-citizens who reside in the uk buy treasury bills?

I took a 10-year fixed rate morgage 4 years ago at 1.8%. Friends told me I was crazy when I said I was going to take a 10 year fixed rate morgage. Not so crazy anymore, am I! With overpayments on my mortgage, this will be my last mortgage before being morgage free. Don't follow the herd !

Read an FT article saying that National Grid pre-empted the effects of potential nationalisation with their latest play of "Rights issues" - which has totally shafted investors. I guess an argument not to invest in indvidual stocks (as per your last video!)

I personally prefer to steer clear of trading 212. I looked it up - based in Malta and covered only up to 20k euros.

It's one of those things if everyone is worried about it then it won't be a problem. If everyone is passive and not caring, it'll rear it's ugly head and smash us to pieces. Moderation and cautiousness will be the key to balance and patiently resolve our issue. HOWEVER under pressure from big corp who want interest free money, how long can our treasury hold it's rein? Plus with a new president after this election, who knows what will happen.

Why are we still all having to keep paying our taxes? If, as you say, MMT is trully all that and a full stack of syrupy pancakes? I call total BS.

If you take 4% and your pot continues to make 5% wont it keep going forever?

Cutting spending doesn't actually solve a debt problem, as it shrinks the economy. This one's got all kinds of evidence behind it, and it's getting to the point where we have to just say it's misinformation. You know what works really well to reduce debt? Taxing creditors. You know who's full of it in a debt crisis? Creditors. Our creditors are telling us that the solution is... more tax cuts for the wealthy. WOW! This one's a joke, guys. If the government can't tax wealth, you're going to have to get one that does. This is always how it's worked, this group of investors aren't the ones to have figured out how to make exponential growth relative to GDP indefinite. They can't even figure out that tax cuts increase debt. And, they've been spreading fraudulence on the topic for 4 decades. And, it amounts to a tax strike. Let's call a duck a duck, here.

What does withdrawal look like if you have a mix of DB and DC schemes please

If you are making your investment decisions based on the expectation of inflation and all else being equal. Normal times (expected inflation 2-5%), stable growth and moderate interest rates: Buy stocks, corporate bonds and real estate. Expected deflation (below 2%), interest rates are cut to simulate growth: Buy government bonds and hold cash as bond prices increases and cash now have increase purchasing power. Expected high inflation (above 5%), rising interest rates. money market funds are now more attractive with low risks.

When a stock price is quoted, is that normally the price someone selling will get (offer price?)? If so, how can I see what I'll actually pay (bid price?) Thank you for the geat videos and podcast.

Should have bought Bitcoin.

Thanks! That seems like some very solid advice indeed. My strategy is to complement a global index fund with an emerging markets index fund and a couple of sector funds, because the MSCI World and S&P 500 are so skewed towards the American tech giants. My hope is that this will insulate me to some degree from a possible tech bubble burst.

Not one of your best , sadly, Ramin. a. Growth stalled for 4yrs after the Brexit vote, probably because the govt didn't make any changes worth mentioning, but sine 2020 has generally trended up at a similar rate to to pre-Brexit. b. House builders probably won't benefit from Labour plans to build more homes, because they'll be a lot less profitable if that were not the case they'd have been building more for years. c. Wind energy at around 30% is probably approaching full capacity given the lack of the technology to store and use it, building more wind turbines won't help. Solar? Not in the UK, have you stepped outside for the last six months! Nuclear is the only proven technology at the moment and they won't even start to do that because of the left/green wing of the party, not even allowing for the 10/15yr lead time for nuclear power stations. The increased Windfall tax on energy companies, tiny at about 2% above the existing levels, was baked in to UK shares prices months ago. .....and that was where I turned off. Sadly, we're due for a massive hit on Capital gains tax, wealth taxes, etc, even if Starmer isn't deposed by the extremists within months of the inevitable election win.

Point is just 'buy global index,😊

Excellent video Ramin...i can verify some of these failure percentages unfortunately 😂

Interesting content... You seem to have left out their impact on real estate

Is meghan a spy? Who are her backers?

Ramin for PM 🙌🏽

Hi. Out of interest Do markets stay open all weekend. Iv noticed with IE not much Happens in stock prices on Saturday. Maybe a little change but on a Sunday nothing. Wasn’t sure if this is just IE not updating on a Sunday or if most markets close and nothing much happens in way of prices.

@pensioncraft I find the whole bond space unclear. I think it would help to understand a comparison to a SWR at 4% for a coupon 4% and the principal coming back online at the maturity date. The rest of the detail becomes too much information. In the case of Apple 20yr 4.45 how would GBP 10,000 relate in comparison to 10,000 over 20yrs but drawn down from say a 500,000 pension

Thanks Ramin, I’m a beginner investor, I started in December, and I’m changing my tack having learned from your and another couple of RUclips channels Firstly, I’m sorting my pensions, moving from SJP and Fidelity to Invest Engine. Secondly, I’m selling many of my stocks and putting them into an ETF. anything (Barclays, BT) that has grown massively is getting sold, anything where my holding is small is going. I’m holding onto a few that I think will grow over the next couple of years (NG., VODA, STJ), but eventually they will be sold as well, and I’m keeping my moonshot (TMC) I’m self employed, and I’ve found I spend far too much time looking at T212 instead of earning the money to invest. Hopefully this helps and I can be more productive as a result

Great video🤘

Hi @Pensioncraft, really love your videos and think they are super useful!! Would be amazing for you to do a podcast/youtube video with @DamientalksMoney & @TobyNewbatt, you all provide amazing insights to the average retail investor. Technically you are probably competitors but three brains is probably better than 1 lol.

I want to invest in a S&P 500 etf from the UK, what is the best platform in terms of costs should I use ?

There's a 3rd price signal that's forgotten: Taleb black swan. Non-system risk can't be guesstimated from variance.

The USA is bankrupt. It's only a matter of time before the major lenders realise this and the $$ collapses.

If you invested in the Vanguard global small cap index fund wouldn't that avoid the bid offer spread. It appears to have a Lower fund charge than ishares etf that tracks the same msci global small cap index. Personally I don't think it's worth it as you are just taking on volatility risk for most likely no extra returns

Spread betting accounts not taxed.

@8:55 You state that long-term investors earn the "drift" that's due to rising corporate profits. That's only half the story. Long-term earnings growth is only about 3% real, whereas long-term stock returns are in the region of 6-8%. The extra boost comes from dividends, which have averaged about 3-4% real. Or if you really want to be fancy, the total return is actually a risk premium that's compensation for the uncertainty of future cashflows. Two ways of looking at the same thing. But to state the long-run returns are driven by rising profits (and nothing else) is not telling the whole story, and I think it leads people to some incorrect conclusions ("oh gee, I should just invest in the companies with the highest growth !")

I recall Terry Smith saying something along the lines of preferring to own a large portion of fewer good companies, compared to owning a little bit of a lot of bad companies. Lately I see the T-class has underperformed the S&P, not sure if that's happened to him before. I know they have Microsoft, but is the underperformance strictly down to not having Nvidia?

OFF TOPIC - Just requesting that you produce a short video explaining what will happen with small retail holders of Royal Mail (IDS) shares if the recommended takeover goes through. As I understand it, there will be a shareholder vote but I'm very unclear about what happens after that (as an example, do you pay dealing costs if the shares are cancelled). Thanks in advance.

Thanks Ramin, always like to hear your view on these matters. Makes me realise that there is always a lot more to consider than price when assessing stocks.

500 top companies in US is definitely better than the top 1000 as you get rid of the 500 lagging ones. I guess top 200 or S&P 200 would be even better than 500 but polishing that diamond list is also increasing the risk of lower diversification. It would be interesting to see at what number of companies an intersecting point in a graph would be, where two lines (one for returns and one for diversification) crossing each other. And what would be the most effective lowest number of companies in a US S&P index for the best performance? Whether it's S&P50, S&P150 or S&P200?

I was ready to buy apple at $165 in April (fun buy), Jim Cramer/ mad money that day said it’s was a sell sell sell and played his bear noise! I just continued with the Developed world fund instead. Only individual stock I would ever own.

Interesting analysis from Jeremy J. Siegel in "The Future for Investors": "Those who bought the original 500 firms and never sold any of them outperformed not only the world's most famous benchmark stock index but also the performance of most money managers and actively managed equity funds," Siegel writes. The normal S&P 500 returned 10.3% a year from its 1957 founding through Dec. 2003. But if you stuck with the original 500 components, letting dying companies die and reinvesting proceeds from companies that were bought out into the surviving companies (there were 125 of them left by 2003), you earned 11.3% a year. That might not sound like a big difference, but it is. One dollar invested in the normal S&P 500 in 1957 grew to $93 by 2003. In the "survivor only" portfolio, it grew to $124.

I picked a single stock rolls royce, and i am up 100k 300% 👍

I buy individual stocks. I am not an expert. I only do it because I enjoy it. Some people look at racing trends and gamble on horses. I look at stock markets and trade but not gamble. Gambling (in my opinion) is the difference between crossing the road with your eyes closed and following the "green cross code". Chalk and cheese. I try to do due diligence when buying stocks. I always ask my self "am I gambling when I buy this stock or am I happy it's an investment?". As I said I'm not an expert and I've been investigating for 20 years and I treat it like a hobby and yes I've made mistakes (usually when I get excited about something) and I then stop and learn from that mistake. Put simply I think you can learn how to invest but it's not easy and it takes time to learn (mainly about yourself and your own error making habits and inability to learn from mistakes).

Great video. Very informative. Thank you for sharing your knowledge.

Hi @Pensioncraft is there an index that follows momentum, buying best performing stocks over a period and selling the worst performing stocks over that same period?

Is there any point in having a large index to track having a top 10 from each developed country maybe just as good and less trading fees trading in the index ?

Really interesting video thanks for the explanations.