How I'd Invest £20,000 in a Stocks & Shares ISA - Beginner's Guide 2024

In this video, I give a full run-through of why I invest in a stocks & shares ISA and give a run-through of 3 example portfolios that I would happily invest in over the long term. I believe an investing portfolio can be as simple or as complicated as you want it to be.

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Timestamps:
00:00 Introducing ISAs
00:46 Why a Stocks & Shares ISA
03:13 Choosing a Stocks & Shares ISA
04:24 What to Invest in & Introducing ETFs
07:55 Example Portfolio 1
11:33 Example Portfolio 2
15:04 Example Portfolio 3
19:30 Summary & The Best Portfolio

Disclaimer: When investing, your capital is at risk. Investments can fall and rise, and you may get back less than you invested. Past performance is no guarantee of future results. Other fees may apply. I am not a financial advisor, and this information does not represent financial advice.

Transparency Disclaimer: Some of the links are referral or affiliate links, in which I receive a bonus or commission if you sign-up via the link.

Credit to @IncrediVFX

[TomsPersonalFinance]

My Favourite Stocks & Shares ISAs:
💸 Trading 212 - Get a free share worth up to £100. Use promo code TOM in the app if you do not get your free share.
💸 InvestEngine - Get a Welcome Bonus of up to £50 when you invest at least £100.

Example Portfolios:

Really excited to have this video out! I tried to cover everything as concisely as possible, whilst also going over the example portfolios.

All the best,
Tom

[versaceviper]

Recently opened my SS ISA. Only two investment for me - VWRL and VHYL. I plan on drip feeding for the next 30 years with a 75/25 split, and reinvesting the divi’s from VWRL to VHYL because of the growth.

[cb]

Great video. Thank you. On portfolio 2, I think there's a European ETF that includes Switzerland and the UK - possibly from Ishares.

[KothandaRaman]

Nice video and great co tent to understand the nitty gritty of managing multiple ETF's based on individual risk appetite.. Keep doing the great job 🎉

[wvlkgvf]

Really enjoyed this quite concise summary of the main options open to any ISA investor. I’ve made my own portfolio incredibly complicated (in part to try to beat the market, but also because there are so many options out there). I suspect that when all is said and done, i would be just as well off with a good global tracker and a couple of satellite positions…😊

[Lupinicus]

Excellent video, packed with information (with the usual caveats of course). I'm retired now but would have valued such straightforward information in my 20s. I had to learn the old fashioned way but I can support your ideas wholeheartedly.

[KJ.]

Thank you Tom; really informative video, appreciate the work you’ve put into making this 👍 these videos really do help newbies like myself 😎

[Abdul_Rahman]

If I had a 20k lump sum now. I’d probably invest in a high paying dividend index fund that has potential to appreciate.
Maybe 4%. I’ll then use those dividends to invest in growth index fund like a global one whilst simultaneously contributing to both.

[ciaoatutti]

Any videos on bonds.. Seems low volatility and good return... 😮

[BaileyMxX]

The one risk you've appeared to completely miss when you referred to single fund portfolios you mentioned just the s&p 500, but you've omitted currency risk.

Unless hedged or derivatives used then if the dollar was to swing heavily against the pound, the companies could outperform massively yet you could still be underwater when converted back to pounds dependant on currency valuations at the time.

[suttyotolvajfideszbanda]

Do you have to put it on your TAX RETURN online form if you open an ISA and start investing in it? Cheeers LOL