The SIMPLEST Way To Invest

There is no RIGHT way to invest; there are lots of ways. Each one will suit different people. But there is a SIMPLEST way to invest, I think, and in this masterclass, I’m going to walk you through it.

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Video Chapters:
00:00 Intro
00:43 Businesses and Bricks
01:42 Platform
03:40 Accounts
05:36 Funds
08:19 Accelerators
10:08 Conclusion

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📫 Leave me a comment below - I read all of them and love hearing from you!

[lxpollitt]

I am a big fan of your content Pete! On the topic of platforms, I wish there was more information available about how the different platforms compare when it comes to tax self-assessment. For anyone looking for a platform for a GIA, I think this is an important consideration that seems to gets overlooked. For example, some platforms provide capital gains tax summaries as part of their annual tax information they provide you, and some do not. Some calculate ERI and all of its implications, and some require you to search for the EIR and figure out the implication for yourself. Some even provide tax reports that are arguably wrong (for example ignoring bed and breakfasting rules in their capital gains calculations). This includes some supposedly "do it all for you" high fee platforms, where my guess is a very high proportion of their customers get their tax returns wrong each year without realising it as a consequene. For a novice investor, if you aren't palnning to pay an accountant to do your taxes for you, I think this is a huge deal I think it would be great if platform reviews and discussion of platforms in general includeded this consideration. Selecting a low fee platform if it means you have to pay an accountant to sort out your taxes for you is not necesssarily good value for money.

[bradleyh]

You explain things so well for those new to finances, glad I came across your page. Keep it going and thank you

[jbedford]

Love your content Pete, you’re the first finance YouTuber I started watching and who got me into investing and sorting out what my works pension was invested into.

For that I can’t thank you enough.

[jimb]

Very good delivery Pete. I like your easy to understand language.

[BornBrave]

Pete, you are the legend ! You are my finance Guru. You are my guiding star ! Thank you ! 🙏

[brownwellson]

Mapping out retirement feels incredibly perplexing at this point! With SVB, Signature Bank, and now First Republic showing signs reminiscent of the 2008 market crash and a potential recession 2.0, it raises the question: should I continue saving in US dollars or consider investing in stocks? Consequently, I'm left contemplating what 2023 holds for us as investors. Sitting on over $745K in equity from a home sale, I'm uncertain about the next steps forward.

[mikeroyce]

Great video, Pete. This one could help a lot of people.

[JamesOrr-vg]

Hi a video on where to put your cash inside a sipp to cover the last few years say 3 years before retirement would be great. Heard about short term government bond funds, and sipp deposit accounts etc but not sure.

[TomsPersonalFinance]

Excellent video. Best summary I've seen on YouTube. And there's an awful lot of "how to invest" videos so that is daying something!

[ijw]

Brilliantly helpful as always. Personally have chosen to buy ETF's in my Stocks and Shares ISA and just buy funds that track the S&P500, Global Index (appreciate this is currently 70% US) and the FTSE.

[AndrewGAlonzi]

Thank you, Pete. I really enjoy, and learn a lot from, your videos and podcasts. You explain things wonderfully and bring a lot of enthusiasm to the subject.

[Aziz__]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

[davidmellor]

I was reading recently that money invested in workplace pensions has made little or no increase in value during the last five years 😮
Also when when Nationwide or Santander suggest investing they both tell you not to expect a return for five or six years.
My question of course is where are people putting their money to achieve the kind of reurns you suggest we can assume ?
Do you remember endowment mortgages? They didn't work very well as I remember. People should remind themselves about losing invested money.

[Budgie_uk]

Thanks Pete, excellent video and really helpful

[beaverundercover]

thanks. Please do add a review of charges by different platforms.

[grahamhill]

Hi Pete, love your content and as mentioned by others, you are the only investment YouTuber i watch and the one that got my head out of the sand, anything other than doing it yourself is just leaving it to chance.
Just wanted to ask if I may. Im right at the start, aged 50, what's my first thing to start up, the investing as per this vid or start an ISA first? My apologies as you have probably answered this previously literally a million times!!
Thank Pete and thank goodness I found you!!

[curiousjoe]

Hi Pete, I think you suggested this order of priority: Workplace pension, ISA, SIPP? Would SIPP come before ISA if you have pension allowances and a high rate tax payer? Thanks

[guyr]

Great video Pete as ever, especially the comment about small increases every 6 months in pension contribution it makes a massive difference.
£50 a month into a pension at 5% pa gross gets just short of £60K over 40 years. This if in a company scheme actually costs you less than half of this due to employers contributions.
If you were to increase the savings every 5 years by 25% effect is massive with compounded interest. It is easy to see how big a pot you can generate for effectively a modest saving if within a company scheme. As you point out this is why pension via employer scheme is the 1st savings route

[MPD]

Great video, super clear and helpful.

I would assume that for additional rate tax payers, rather than Pension (to employer contribution max) -> ISA -> Pension top-up, it would make more sense to focus on pension and utilise ISA when breaking the 60k annual allowance? Emergency fund aside of course.

[MrKlawUK]

how do you deal with workplace pensions and reviewing their performance/costs vs other private options? It's very simple to get salary sacrifice for maximum tax benefit which you'd lose (or be more complicated to claim back via SA) and you'd not get the employer contribution if you went private. But can it be practical to move away from a workplace scheme? or leave it on minimums and put your primary investment elsewhere?