8 Investing Tips I Wish I Knew BEFORE I Started

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[DJ-nnwn]

I've been investing for about 7 years, this video is very representative of my experiences.
Good job Toby.

[dubsdolby]

Great take on the fundamentals 👍 I retired last year at 53. I started my investment journey 25 years ago. Oh, how, I wish I'd just invested in index find or etfs. I think I'd be 300k richer with all the single companies I have wasted investments on. On the upside, I really concentrated on isas and have a large isa portfolio.
If could travel back in time and give advice to myself, it would be.
Buy 3 etfs
Sp500
Eqqq
Schd
All in isas and sipps don't bother with invidual stocks, no stress, no hassle. That's it 👍

[pickashole]

There is a reason why Joe avarage isn't taught about financial management at school. Debt is the economy driver

[PeteMatthew]

Thanks for the name-check and the plug for the book, Toby - much appreciated! Keep up the great work!

[stevenharris]

Toby, you have it absolutely wish I knew all you know much earlier video!!

[TomsPersonalFinance]

Great video, Toby. All points are spot on and I can relate to all of them. You really do a great job getting messages across. Thanks for all the videos.

[kippsguitar]

Agree 100%, great advice, great channel, actually amazing, perfect, sorry about challenging any points previously, how silly, once again amazing and thank you,

[FoxThirteen]

I have made plenty of those mistakes but have learned from them. Great content as always.

[Cherpontcarp]

I watch all of the financial videos on You Tube and I have to say you are the only one who talks sense, there’s so much contradiction with other peoples content, keep up the good work Toby.

[ageitos]

Great video!

Like all of us! It took me a few months to get a more relaxed and confident approach to investing. I wish they had taught us this in school or with some educational TV program.
My ISA and my work pension are my two pillars of investment, and in terms of keeping things a bit diversified, I managed them as if it was all one big account. Currently looking at around 60% world indexes (funds and ETFs) and 40% tech (stocks, funds and ETFs). I can't choose ETFs in my pension, but some index funds are almost identical and with reasonable fees (0.05 - 0.15%)

Keep up the great work!

[andyodoherty]

I remember investing in Barclays income builder in 1988 - it was one of the best decisions I've ever made. Just lock in and leave it.

[valerienewbatt]

Very good advise, and such a lot of hard work put into these videos

[dhermtalks]

i agree with all yout points Toby, i would just add the importance of budgeting and actually spending the time to track what you spend to ensure you are keeping your costs low and investing the most, it definitely makes you think twice about future spends and helps really understand your personal finances .The second one i would say about the concept of paying yourself first by transferring an amount of money for saving/investment as soon as you are paid each month

[nicobass]

Great update. Tax free accounts is key and max out if you can when you get older, you are never or almost never going to gain against that in any other investment. I'm 57 and starting to see the benifits of ISA and pensions in the view of compound interest. Don't worry about the market, just look at the fees. If the high fees outperform the lower fee providers than that is just good but keep an eye on them as mostly they will be be be in the same market although that personal touch from a provider can make all the difference

[willlsmith]

Great video Toby and I can relate to many of your points

[NS-ptrr]

Absolutely Right Toby, ive had enough of guestimating the market & individual shares, i have been investing my Isa's into ETF's and just forget about my ISA, Buffett once challenged any Fund Manager to beat the market over 30 years & not a single highly paid fund manager managed it !! If God says ETF, im listening. I have 30 years till retirement & aim to max out my isa every year until the Govt of the day decides to raid and or tax it, Im into Etf's and buy extra in a market drop, its a no brainer..

[lawrencer]

Your last point about Pension.
When i started my apprentice at 16 the company i worked for was in a scheme ( JIB ) .
We were told to pay in as much as possible and the company wouid also pay into too and you even got free Bupa .
The company T. Clarke is still going strong and is Now a PLC company.
Which i still have shares in and will never sell .
Cant pay into that Pension any more, unless i join a JIB company ( Paye ).
Since living many moons back, i have Pensions with different companies.
I know have my own company.
My company pays my Pension, which reduces my coronation tax .
I have been a bit worried about exceeding the Pension limit, which i have .
My accountant told me, there is no limit to the Pension, But thing might change with a Labour Government 🤦‍♂️🤦‍♂️🤦‍♂️🤦‍♂️
We will see .
I have had Pensions all my life .
I know many people who have no interest in pensions.
Young and old, all got excuses...
I love my tax relief ❤❤❤❤

[arinnfc]

thanks for the video, very cool very useful for beginners

[ANTHONY--]

Great video. I started investing 3 months ago and clueless. Started with 29 investments in 1st month.
Did research sold 21 investments and reinvested the small amounts into ETFs. Now much more relaxed. 6 ETFs and 2 stocks.
Portfolio is $533 NZD so far after 3 months. Starting to get small Dividends. I opened up a new bank account.. Every $1 NZD I receive in Dividends I put 33 cents (33%) dividend tax into that account so at tax time I'm sorted.
But on my brokerage I reinvest all the dividend.
Thanks for the great info

[whereisgabri]

Number 9. I wish I had discovered your channel earlier!