Now Is The Best Time To Start Investing - Here's Why

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💸 - Trading 212 - Get a Free share up to £100. Use Code: TOBY in your app if you do not receive your free share.

💸 - InvestEngine - Get between £10-50 when you sign up and deposit £100 (T&Cs Apply)*

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Disclaimer: This video is provided for information and entertainment purposes only. Please seek the help of a qualified regulated financial professional for any advice. Capital is at risk. Some links are affiliates and I will earn a commission from using them.

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[Daniel-erys]

Can I just say that your channel and Damian are the 2 single best channels on YouTube for UK people. Both are excellent. Been watching both for about 6 months now to help myself understand everything etc and started investing in January 2024 and yes I too wish I had started sooner 😂

[Dr.JubairsFinance]

Today is the best time to give your video a like

[lifeutopia]

Thanks Toby - i've only just begun my investing journey after being given the confidence by informative channels such as this one. I was brought up to fear the stock market as something very risky but with sensible choices into secure ETFs this is not the case. Thank you!

[mattsennett]

I agree Toby that pound cost averaging over time is the best way to invest.
More than happy buying today, especially as the market dipped due to a hot US CPI print, as in years to come no one will remember that specific bit of short term news.

[jimcraiggeezer]

Definitely easier and with YouTubers like yourself its so easy to get unbiased information... 😊thanks.

[RS-clwg]

8:21 there is a famous historical investment study that was done, that showed that even if you could time the exact bottom every time and waited to buy the dip, you would make less than DCA. The reason is that it takes so long for the dips to happen and the amount of appreciation you miss out on outweighs the benefits of getting the stocks at a discount. What i don’t understand is how that is possible if all that really matters is the number of shares you owe. As long as you save the same amount u would have invested and waited for stocks to be cheaper. After 30 years, wouldn’t you have more shares than if you DCA?

[jonathanreevescad]

I do remember having paper stock certificates, and what a pain it was. My dad got me started. These days it’s so easy to get started with regular small amounts. I have now got my 3 boys started on their investment journeys and they have 30-40 years ahead🤩

[nathanandsopa]

Thanks Toby, I have shared your videos with many of my friends who have expressed an interest in investing. When I start to get a little overwhelmed by the noise of all the Cassandras, I watch one of your videos.😀

[anthonybrown]

Quite right Toby now you can avoid IFAs as back in the day they would sell you a product that was arguably suitable for you but certainly earned them commission now you can access a wide range of products at low low charges.

[shocks]

Sound advice, no one makes money if your not invested

[simoneperugini]

The thing is always the same. In a utopic world this is the worst time to invest but of course we cannot predict the future because as i think the better investment should be sports betting. Don’t think too much and just put money into ETf

[dalebettison]

Love it, well done. Been learning about this for over a year now and have started, only lost £3:74 so for but with compounding, I should be skint in 10

[turner]

Educational as always mate, loving the work you put in to the channel for us all to benefit.

[marcwareham]

“Just keep buying”

The only issue with being able to trade in and out of stocks so easily is that people tend to trade in and out on their emotions. Most investors actually underperform the market because of this. The most successful investors were found to have forgotten they had stocks, or they was dead 💀. To avoid this I only buy etfs I’m never plan on selling.

[crimsonpirate]

Ive been investing/trading since 1995. Its nice to read that many of you have now picked up the gauntlet. Keep spreading the word people. We dont need wealth management firms like St James Place. Do it yourself. You will save and make a fortune.

[Earthshock]

I am 29 years old and got a long time horizon 30-40 years before retirement and started in corona pandemic and I am happy i’ve started investing lump sum and DCA all my way to retirement.. love your video’s Toby! Keep it up ❤

[paulevans]

Good video again!!👌🏻👍🏻 what's your thoughts on keeping the cash in 212 getting 5.2% interest as opposed to investing it into stocks returning 3-4% dividends??

[SomeoneSmarter]

I am one of your statistics. I'm in my mid 40's and I have had a cash ISA for many years. I've only just got into SS ISAs and I'm seeing results already. I tried encouraging my Mum to start growing her savings and she said no. Investments are a huge gamble, she would lose all her money, etc. I think a lot of people think like this. EDIT - Great content, I just Subscribed!!

[JustClipz-tdlf]

It would be good to see, once you've invested and your investments have reached good money. What would be the best process to take out that money. Is the best option similar to dollar cost averaging where you take it out monthly no matter the price and that would make no difference

[cvigti]

I invest in SPYL. I'm in Portugal. 0.03 TER for the S&P500 (full replication, physical and accumulating) 👌😉👍