How to INVEST £100 a month in Stocks & Shares | Vanguard UK

Looking to invest £100 a month in Stocks & Shares? Join me as I guide you through the process of using Vanguard UK, with the potential to generate an impressive £322,000 over a 30-year period. Discover the various account options available, from Personal Pensions to Stocks & Shares ISAs and see the various investments offered by Vanguard. I'll also share my insights on Vanguard's LifeStrategy funds and why I prefer alternative investment choices.

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I explain how to invest £100 a month in Stocks & Shares using Vanguard UK to generate up to £322,000. I also highlight the limitations of this investment strategy and why I personally would avoid Vanguard Lifestrategy funds.

Personal pension - Tax-relief on deposits dependent on tax banding, advantageous for higher rate tax payers. Up to £40k a year can be deposited but this is more complex and should be researched. Funds/Investments are locked until you're eligible to withdraw dependent on age.

Stocks & Shares ISA - Tax-free, up to £20k can be deposited each year. Can be withdrawn at any point.

Junior ISA is the same as the above, but only up to £9k a year and must be for a child under the age of 18 in which they'll gain full control of at 18.

General Investment Account - Taxable, no limit on investment amount and easy access for withdrawals.

2. Choose your investments - a popular choice is the life strategy funds that adopt a blend of fixed income assets such as bonds alongside stocks & shares / equity. I personally think the life strategy funds are a poor choice for an investor as they have a higher than normal exposure to the UK markets increasing your risk. Advantage being that you don't need to worry about manually adjusting your portfolio balance and fund currency is GBP removing currency risk.

I personally like the fund VWRL or the FTSE All-world UCITS ETF as it gives exposure to the global stock market and if the global stock market experiences an extremely significant fall in value, then we've likely got bigger concerns than the value of our investments and should be more focused on surviving the apocalypse.

A more sophisticated investor may take the approach of utilising multiple funds in their portfolio to create a more ideal investment exposure. I personally like to keep things simple, do the research upfront and invest passively going forward.

3. An investment of £100 a month at the average annual return of the stock market over a 30 year period is 8%, using a compound interest calculator we can make £322,000.

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*Some of the links and products that appear on this video are forms of paid promotion in which Ozbourne Foreman will earn a referral bonus or commission via an affiliate partnership. Ozbourne Foreman receives compensation for sending traffic to partner sites. This is not investment advice. Investing places capital at risk, please do your own research.

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[SirBoberus]

I’m liking the new direction of the content Oz. One question is in regards to your statement about personally not wanting an overexposure to the Uk. Is it not fair to say at this current point that the overexposure to the UK market is a flaw in your personal portfolio, or at the very least a possible negative?

[adcatman]

Good explanation and overview of the Vanguard platform....

[slaveoth]

So I did opened an account on vanguard just to realise they don't offer individual stocks to buy.... all yt videos tells you can buy stocks but you cant indeed.

[The_Unintelligent_Speculator]

Mate you need to invest in your bedroom. Great explanation though.

[nefariouspurplebadger]

Hello mate. Just leaving a comment for the algorithm

[TheInvestingVlogger]

I bet your kicking yourself for NOT investing in Vanguard and instead going all in on Boohoo. Remember what they say, rather late than never!