Відео

Thomas Nicholson English upper class Cornwall England. He Labour party England Thomas he future government advisor in 10 Downing Street yes. Awesome. He socialist no. He new Labour party England. English upper class show it. Not Whig Party no Thomas. That Max fosh Englishman. He smarter Tom Nicholson. He needs you win British government for him politically Thomas.

Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.

They are $10 TRIL AUM in now (2024) and projected to be 15TRIL in the next 5 years. :O

Easily one of the best channels on retirement and financial planning. And as always, thank you for speaking, Ramin!

If you max out your ISA for 12 years with 60% stocks and 40% bonds, you could expect to get around 6000 per month when you start spending it. And it's tax free!

Thanks Ramin I really appreciate your knowledge and your generosity to share it.

Most of it is luck.

Hi, I was wondering if you could help me here please. I have been investing in the S&P500 (income/distributing) for a while now but have never ever recieved any cash dividend. Not to my knowledge anyway. Any idea why? Also, can I just sell all my shares in my account and swap it to the Accumulation fund regardless of yearly allowances for ISA's? Thanks

Bottom line is: if you have a lump sum you can put it in, if you don't: you do the other.....

So in other words... buy a lottery ticket... same odds...

Severance package=inheritance=sold a business

Hi. Great video by the way. I am new to investing and have opted for the Freetrade platform but I am having doubts about the fees. I have heard these fees are very expensive to other platforms so can I ask why do you use this platform when there are platforms offering a better deal? Thanks

Brilliant video. The fees on annuities seem exorbitant so I'll be looking into a bonds ladder very shortly.

Now the Government are spying on pensioners bank accounts with an almost certain aim to means test the state pension , isnt it madness to have a big pension pot just to give it to the Government at retirement ? What do you think the limits will be before means testing kicks in ?

I wonder if a lump sum investing over 3 or 6 months in each year, which months are the best?

Thank you

Thank you for the video

Another great video for the same old topic. Keep them coming, Ramin!

I prefer lump sum because what else would I do with my money. Spend it

You should look at the trend to know whether to drip feed or lump sum. Lump sum if the market is in an uptrend during a pull back. In a downtrend or sideways action, drip feed so you can always take advantage of lower prices.

Thank you Ramin as always for your thoughtful analysis.

Thank you so much for sharing a very important and helpful trading video with us

Your Freetrade link seems not to be working at mo Ramin.

Thankyou Ramin for your valuable insight and I have subscribed.

I'm paid weekly and invest every Friday. Must be honest I do get spooked if markets rise and I don't buy and hope they drop so I can buy.

A long-term drawdown period of a decade can only happen once in a decade ;-)

What about if you're looking at that S&P500 but investing from and denominated in GBP, CAD, or JPY?

I dollar cost average everyday, works for me. But I do increase payments when market drops.

REITs have got even cheaper since this video was made... I think they look quite attractive now and the risk/reward play is in their favour. Very easy to find real estate companies yielding 7-8% or even higher, with progressive dividend policies that are supported by reliable income from defensive business models, which are also inflation linked. The moderation of expected rate cuts has tempered their recovery, but I these will be re-rated higher as economies slow down and the central banks finally cave in to rate cut pressure.

Where can I buy a 1000 pound 1 month old bond

If 'dollar cost averaging' is a sensible approach to buying stocks, then so it is to selling stocks. If your portfolio is down no one needs to tell you that it might be a good idea to sell less and spend less. Keep it simple.

Nice Video Ramin, thanks for the work that you do. I was wondering, when Im doing a small DCA several times a month from my salary (to spread market entry), is there any time of the month better than any other for doing DCA, based on long term historical data? Perhaps you have a video on this and ive missed it. I tried to get chatGPT to do this analysis for me, drip feeding into 80%+ equity funds, and it suggested there is a slight dip in valuations at the final week of each month, so I always DCA in the last week of the month... but id trust you more than chatGPT if you had the time to examine this! 😋 Like you said at the end of the video, Id rather put some money into the markets every month where possible using DCA when I dont have a lump sum saved up.

I have tended now to do a small initial lump sum, and then a small monthly input. If markets are low, I up the amounts, and if markets are high I keep it at the minumum, or sometimes pause it for a bit once the allocation reaches the amount I wanted. I also like the drip feed, as it lets you forget about it. I have been badly burnt by trying to swing trade (with tech), so am now much more cautious!

US stocks have been more expensive than European stocks since the 1990s. Some investors have been complaining about expensive US markets for decades.

If you have inherited a lump sum its equally important to consider taxation. Inheritance, capital gains and income. In the event the sum is so large you cannot protect using the usual UK wrappers, considering gifting it (all or in part) to dependents. In you live for 7 years afterwards, there will be no extra inheritance tax liability on the sum. If you make a deed of variation within 2 years of the deceased death date, then the liability is immediately negated

Many of these align with my intuition. Thanks for speaking it out logically

Very useful. Many thanks for your advice!

Excellent video 🎉🎉🎉

Have you ever come across "Deferred Annuities" ? To me they sound like an excellent idea to avoid running out of money in retirement. However, they seem to be an American thing and aren't at all common in the U.K.

I can't get out of the habit of checking multiple times a day because it's so easy to do with all these apps.never checked my SIPP for 20 years before

Great video! What global index fund have you chosen to invest in?

I had a pension transfer lumpsum to invest in October last year. I took the cautious approach and initially only invested about 25% of the money and planned to invest the remaining money over the next year or so. Bad decision...I missed out on maybe £100k of potential gains with the market rally, but hindsight is a wonderful thing...if it had crashed I would have been laughing!

The longer your money is invested, the better right? Lump sum every time - if you can afford it - assuming you are a long term investor. I do agree that you should double-down if the market is falling.

Another fantastic video. Thanks Ramin!

Always appreciate your videos.

"fear of investing" doesn't vanish if you make drip feed investing, even on a ten year period. At the end of the process the value of all your investment will be the average of the purchasing prices and 100% sensible to market swings. In other words psycology, that lead to choose a mixed or all equity portfolio, makes all the difference

3:33 Nice...

FIAT currencies especially the £ is worth less & less as each day goes by. But the FCA prevent us reaching the crypto lifeboat. Why do the FCA support the WEF's goal "you will own nothing & be happy" this is scary as nobody is doing anything about this. Yes the FCA allow me to gamble every penny I earn & play online bingo. GBP investments thanks to inflation can't work thanks to the "magic money printer"

Great video as always Ramin. Many thanks.