This is my Vanguard UK portfolio update for my stocks and shares ISA and my Self Invested Personal Pension (SIPP). I’ll cover off everything that’s been going on in the markets in the FTSE 100 and S&P 500 and then show you all of the data in my Vanguard UK portfolio account.
Timestamps:
0:00 – Stock Market News Update & Analysis
5:27 – Vanguard Portfolio Update
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As we approach the halfway point of 2023, it’s time to take a look at the Vanguard Portfolio Update for Stocks & Shares ISAs. This portfolio is ideal for those who are looking for long-term investment opportunities while minimizing their costs. Here’s what’s been happening in the world of Vanguard portfolios:
1. Global Equity Fund The Global Equity Fund has been a star performer over the past year, posting impressive gains. This is due in part to the continued strength of the US stock market, as well as continued growth in international markets. The fund is heavily invested in technology and healthcare, which have both seen significant gains in recent years.
2. Emerging Markets Fund The Emerging Markets Fund has not performed as well as the Global Equity Fund, but it’s important to remember that emerging markets are often more volatile than developed markets. Despite this, the fund has still managed to post gains over the past year.
3. Bond Fund Vanguard’s Bond Fund has also been performing well. With interest rates remaining low, investors have continued to flock to bonds as a way of generating a decent return on their investment. The Bond Fund is heavily invested in US government bonds, which have been performing particularly well.
4. UK Equity Fund The UK Equity Fund has been one of the weaker performers in the Vanguard portfolio. The UK economy has been sluggish, and Brexit has created a lot of uncertainty for UK companies. Despite this, the fund has managed to post modest gains over the past year.
Overall, the Vanguard Portfolio Update for Stocks & Shares ISAs shows that the portfolio is performing well, despite some weaker areas. For long-term investors, this portfolio is still an excellent choice, as it provides a diversified range of investments at a low cost. It’s also worth remembering that investing is a long-term game, so investors should not be too concerned about short-term fluctuations in performance. By sticking to a long-term investment strategy, investors can still expect solid returns over the coming years.
Currently waiting for my pension to hit vanguard, personally going for retirement fund 2055 and life strategy fund 100. My personal isa for last year is also here and is 28% on a whole. From my research this has been the best for me
Forgive my extreme naivety, how is it that you have a Vanguard Stocks & Shares ISA at the same time as an InvestEngine Stocks & Shares ISA? I thought you could only put cash into one at a time?
This is what bogleheads UK are recommending just put your money in the Vanguard ftse global all cap index fund, or a ftse all world index fund, etf, and if you want some bond exposure combine it with a barclays Bloomberg global bond index fund or etf Hedged to the pound, and just rebalance once a year
Loving your videos Toby! I know you have 3 Stocks and Shares ISA’s, do you have a plan to consolidate those eventually? I have a Vanguard and now T212 ISA, but concerned about long term compounding with 2 separate ISA’s!
Tesla stock should rise in the coming days. It is all question of demand.
Could you make a video on etoro (for your followers that are outside of uk)? More exactly i am not a big fan when a position is closing when it loses 50% of its value. Because often the day after is increasing the value again and if i am not actively keeping an eye on the positions that closed, then i am missing quite a bit of income.
Hi Toby, great videos as always, thank you for sharing your journey. Do you not add to your pension pot on a monthly basis?
hello mate i have a question , so I am seing all this youtubers saying dollar cost average , and I do understand that you should stick with a x amount every month …. but lets say I have 10k to invest would be better to invest the all lot in one way or stick with 200 or 300 per month ?? from my understanding if I stack all in one way if I am unluck to be in in very good month ,i will lose money in the long run??
Nothing really positive coming these days. Just keep investing and the good days will come
Cheers dude for the update. May I ask what was your reasoning for moving out of the emerging markets?
Pretty much identical to my current Vanguard account. Pension and ISA all in Global. Just set and forget!
Big fan of the channel. Would be interested to hear your advice/research on AI and how to get in on that market as a retail investor. Personally a long term investor, do you know of any ETF's which cover a large portion of the AI market? Or even any individual stocks you think could be ones to keep an eye on. May make a good video…..
Hi! Congrats for this channel!! Very very helpful 🙂
I think it was a good idea to consolidate all previous jobs funds into a single one that you can manage and monitor. I'm based in Ireland and i have 3 now. Do you think I could do the same? Are there similar rules in UK and Ireland?
Thanks for sharing, Toby. I think you are right about the NVDA valuation looking scary, but for now AI seems to be the new trend. I will leave that one to traders, and maybe look into better valued companies like TSM for the long term.
Very good
Appreciate your videos and insights into index investing. For someone just wanting to get started, would you suggest DCA in now to the market OR taking advantage of 4-5%+ high yield savings, CDs, money market accounts, etc for the time being? I saw an SP500 chart that looked like if you bought near the top of the market in 1999-ish, you would’ve been in the red for close to 15 years (with inflation adjustment). I know people discourage attempting to time the market, but worried about the current risks. I’ve dipped my toes into an emerging market ETF but hesitating on SP&500 index or similar. I also tend to ignore the US debt ceiling controversy every time, but that could certainly have global consequences and effect a global fund. If I had already been invested, I would just hold and stay the course, but since I’m mostly not in yet, feeling overwhelmed with the risks!
I hear it costs much less in fees to hold Vanguard funds on another platform eg T212, but would you say it’s much safer long term to use the Vanguard platform?
A bit of a long winded question here but something i just thought of. Do holders of an index eg. Ftse 250 gain if a company does well and gets promoted up? I know youll benefit while they deliver their profits during the time they were a constituent. Likewise alot of the money made during an IPO seems to be in the run up so these types of companies must be a drain after they join the index. I guess its a very infrequent quirk that evens out and in general the best way to invest is via indexes.
dollar? those are pounds m8
Great job with GAC!
If you hold your pension and S&S ISA both with Vanguard- does that mean you would be at risk if your total funds exceeded 85K, which is maximum covered by FSCS?
I have all my money invested in VUSA, would you suggest changing that?
Been on strike for ages, taking cuts left and right. F it, nothing left to lose
you can invest your twelve pence if u add a pound – I had to add a pound to use pennies on my kids isa – gets it aff yer mind =) you can only use one isa account per year (so im told) so adding a pound might not be wise if your adding to an isa else where…
Nice idea, I had the same. However I am also holding gold for diversification reason since it is negativly correlated with stocks, what do you think about that ? What do you think about bonds as well ?
Hi Toby, Just out of interest and sorry if you have already made a video about this but why do you opt to use Vanguard as opposed to T212? I know they are a newer platform but I would have thought the free-ish trading is more appealing? They are FSCS protected too up to 85k so you could move over one you hit that cap? Ps thanks for the video update
Great content Toby! I have been following your videos for a while now. New sub added. I have just consolidated outstanding pensions into my own SIPP at HL and it is currently around 16K in cash. Wondering if you'd average into the market or just make the one single purchase. I am looking at VUAG as my index of choice.
Great timing on the nvdia warning ⚠️ I see trouble tonight
Probsbly no answer to this but i have just cashed in my LTIPS ffom work. Lets say its 40k. I was going to split it between 2x20k ISAs. Mkne and my wifes. And lump it on S&P500.
I can get 4ish% in a savings ISA instead however thst feels a bit defeatist.
S&P500 or Global index fund a bad move?
Seems to offer double digits historically.