Vanguard, Invest Engine, Trading 212, Freetrade Portfolio Update | May 2023

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Here's my quarterly liquid asset portfolio update for May 2023. This is my DIY investing portfolio - my SIPP and Stock and Shares ISAs and general accounts with Vanguard, Invest Engine, Trading 212 and Freetrade.

I talk about each of my accounts and also share my investment plans for the tax year 2023/24.

My approach to investing is similar to my approach to life: be boring, ignore the noise, stay calm. In other words: keep it as passive as possible, buy and hold, invest consistently no matter what the market is doing.

Although I've achieved Financial Freedom, my vision of Early Retirement does NOT involve yachts and non-stop travel. Instead, I enjoy coaching clients on personal finance and business, and work as a digital designer.

These updates will encourage you to invest, not panic and see what's possible when we talk about money making money, passive income and lazy, hands-off investing. Start where you are, you're only competing with your yesterday's self;) Best of luck on your journey and enjoy!

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Monzo banking app (get £5 welcome bonus):

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PS: Some of the links in this description are affiliate links that I get a small 'thank you' from, to help fund this channel. It also means you can get great deals with my affiliate partners.

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ABOUT THIS VIDEO:
Invest Engine Portfolio Update, Trading 212 Portfolio, Freetrade Portfolio, Invest Engine S&S ISA, Vanguard Portfolio UK Update, Vanguard How To, Vanguard Fees, Long-term Investing, Money Mindset, Vanguard Index Funds, Invest Engine ETFs, Vanguard ETFs, Vanguard Retirement Funds, Investing For Financial Independence Portfolio, Low-cost Passive Investing UK, ETFs, Personal Finance, Real Numbers, Financial Freedom, Hassle-free Investing, Money Facts, UK Personal Finance, S&S ISA UK, SIPP, Investing For Ultimate Beginners UK, Women Investors UK, Invest With Me UK, FIRE UK, Financial Freedom Journey UK, All The Honeys

#InvestEngine #VanguardPortfolio #trading212 #freetrade #PersonalFinance #VanguardInvesting #FinancialFreedomJourney #Vanguard

[Marta-Lis]

Invest Engine:
Get £25 Welcome Bonus, with my referral link:

Capital at risk. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128).

Trading 212:
Get a free share worth up to £100 with my referral link:


Investments can go up and down. Capital at risk. Other fees may apply.

[The_journeyy]

The video quality just keeps getting better and better by far one of the most interesting individuals in the financial space 👏

[eddiebrugal]

Thank you for sharing. Just a word of advice about rental property. It is not going to be passive. If anything breaks down or fails to work if your problem. All you need is one bad tenant to understand downsides of owning rental property.

[ruwanikakothalawala]

Can you please take us through the rental property investment journey. There are some of us who would also like to do it but have no idea where to start. Thank you 🙂

[sitapatel]

Marta thank you for such a candid and informative video - so refreshing when you share both the lows and highs. Best of luck on your landlord journey - you are so brave undertaking this in this present high interest rate mortgage environment. I cannot wait to hear more details on how you plan and progress this.

[porschecarrerascabriole]

ETFs are not doing great! Rents have increased a lot so property is not a bad idea. But capital gains is painful when time comes to sell

[owurakugeorge]

Just subscribed. Your outlook on things is inspiring.

[francisexperience]

Very mature and interesting presentation, great advice thank you

[Marenqo]

Have been thinking of a rental property but find it difficult to legitimise it to my self, ethically

[zaraustra]

Thank you Marta, these videos are really motivating and I really appreciate the effort you put into them.

[giorgioc]

Hi Marta….long time ! I gues this month your portafoglio is in much better shape ! Wow you have past the 200k mark ! That’s awesome 👏 I guess at this stage when you receive dividends they make a difference quarterly

[vascularlab]

It’s so great to see those figures Marta. Getting into bricks and mortar is a good idea. Good way of diversifying portfolio. Will you buy as a limited company?

[dvski]

I would always prioritise the ISA over the pension first. It’s more flexible and completely tax-free on both growth and dividends.

Yes, you get tax relief on the pension contributions but it’s locked away till 58, and you pay income tax on it at normal rates when you withdraw from it, and let’s be honest, I would not trust the government (conservative or labour) to resist tinkering with the Lifetime Allowance and hit you with punitive taxes if it grows too much!

[CalCap]

You are the most sensible investor (other than myself of of course) in "UK stock portfolio update" search results. Really like your style and videos.

What did you use to record this?

[suttyotolvajfideszbanda]

Hey, Marta, I have got a stupid question... if the inflation in the UK is about 7-8/ish% and let`s say I will invest in the S&P500 and I will gain the same/ish 7-8% per year and because of the inflation and the gain on the S&P500 is the same I will not make any money in the future? Sorry I asked something very stupid LOOL
Thank you very much for your help...

[bettyboo]

Unless you think your stock investments are going to out perform your current mortgage interest rate, I believe you’re better off paying off your mortgage. Definitely worth clearing that debt first. Good luck

[Heisenberg_]

I use interactive brokers for my portfolio. It's gives really sophisticated account and stock details along with other market leading analyst rating . Although it can be overwhelming for beginners.

[MR-X-.]

Unilever is a solid share I would keep that company. Ocado has been hammered by the cost of living crisis. Walt Disney is a disaster and will continue to be. Halfords has always been overpriced which is why they are suffering under the current climate. I haven't really heard of the other companies. As you said penny stocks
Have you had a look at other UK based companies which pay solid dividends? Might be worth a look.

[coderider]

Are you saying you have a 240k mortgage, I didn’t follow that? Trying to understand you making investments (excl pension) while having a large mortgage. E.g. why buy shares instead of paying mortgage (and reduce interest) property is rising faster than any stock.

[Jonnyicey]

What sort of rental property are you looking at getting? I'm considering letting out my house at the moment, not sure if its better than etfs tho.