This Video is my selection of the best Vanguard Index funds you can invest in for 2023, I’ll take you through all of the most popular ones from investing in a global index fund like VWRL to the emerging markets, the UK, and even a bonus one at the end for high dividend investors. I’ll cover off all of the options for you an explain what they invest in, how much they cost, and where to buy them, as well as showing you how to find the accumulation versions of each fund!
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How come you mention VWRL but not FTSE Global All Cap Index Fund? Just wondering as I rarely see anyone talking about the latter over VWRL.
Hi I’m new to your channels and investing,I’m interested in getting the compound interest going on as many investments I can, you say not all reinvest dividends but some do , how can you tell which do and which don’t as I want to make full use of compounding ,many thanks
You do understand that you are offering investment advice? And you admit that you are not a financial advisor. I think you may be at risk. I would advice industrial strength disclaimers at the very least…
I see the VUKE (FTSE 100) etf is domiciled in Ireland. That means that when the UK companies pay out dividends, they are subject to dividend withholding tax by the UK government. Witholding tax when the companies pay out dividends to the shareholders (ie Vangaurds account), not witholding tax when the ETF distributes to individual holders of VUKE.
The vanguard FTSE 100 OEIC fund is UK domiciled and therefore dividends paid out by UK domiciled companies are not subject witholding tax, therefore the individual investor gets to keep more of the dividend.
Or am I missing something?
Hi Toby, thanks for the video. After watching I am left confused on one thing – I am in the process of signing up for Vanguard and it says ‘accumulate’ next to the funds you mentioned. It says online that this means dividends will be reinvested. If this is not the case, I will instead go with invest engine to get the alternative funds you mentioned. Would you be able to explain why you said this in the video when there’s evidence for the contrary online. What am I missing?
All well and good but in a bear market or a market that’s trending downwards your money just tracks downwards. Global growth looks like it’s going to be worse in the next 10 years than the last 10 years so returns probably won’t be attractive. What I have also learned is that the S&P is likely to fall by around 20% in 2023. What are your thoughts? The one thing I’ve learned over the last 15 is that central banks have stimulated markets by money printing. They are now doing the opposite !! Just something else to consider !!
Hi Toby ,I'm about to start my investing journey and have really enjoyed watching your videos , is it a bad thing to spread your ISA allowance and invest in 3 or 4 different index funds or just stick to 1 or 2, like you've mentioned diversity is the key ,many thanks
Great video thank you. Interestingly enough vanguard doesn't have an index world ex us fund which is available in the states and to be fair i haven't found any provider in uk offering that. If someone wants to invest in global stock normally us is 50-60% of that fund
Hiya, new subscriber here, thank you for the video, what is your top etf please? If i have spare 500£ everymonth which etf do you think is best for me to do pound cost averaging?
Another excellent video.
I wonder if you have any thoughts about any ESG funds?
Thanks
Great video, very informative, thank you.
What happens to shares in trading 212 if after 30 years the platform isn't around?
Any freetrade isa updates? Wanna check out the dividend returns
Toby, where do you get your ticker screen on the wall from?
Is it a lot of hassle to reinvesr 14erly dividends? I'm only starting out and I don't want the hassle of being on multiple platforms, would rather stick to Vanguards.
Can you do this type of video with fidelity?
Is the U.S Equity index fund the same as VTI but for vanguard UK?
S&P500 20% down in 2022 ohhh woooow…. :(((( i am down about 7-8%
I feel like im collecting vanguard funds like im collecting pokemon.
It started with 3.
VUSA, VHYL, FTSE100,
Now i have added
VTI (because it mimics VUSA quite closely in terms of allocation plus it also has an accumulation option)
And also the vanguard global equity fund (similiar to vhyl and again has an accumulation option)
Thanks for the video toby
I hope your channel blows up in 2023 because you deserve it. Good work as always.
Great video. Thanks. When do accumulation dividends get reinvested? Are they paid out at same time as distribution div? If there is a delay then what happens to acc divs if you've sold the funds after ex div date.
VWRL or FTSE Global All Cap and chill, the time you spend overthinking what region/sector may outperform is better put towards earning more income. Good luck everyone
Happy New Year Toby! I'm currently drip feeding VUSA, VFEM and VMID with a long-term vision in mind. VMID (FTSE 250) has been a surprisingly good performer for me and gives me a bit of exposure to a number up-and-coming companies in the UK.
2017/2018 when they first came to the UK they were by far the best choice for index investors however they’re now average.
3 main issues with Vanguard.
1. All of their ETFs are physical rather than synthetic therefore as UK investors we get hit with dividend withholding taxes.
2. The 0.15% platform fee, multiple apps in the UK now are fee free.
3. Limited choice of ETFs many ACC ETFs are missing, I’m guessing so they take advantage of investors cash sat on the platform uninvested.
I like lifestyle 100
Loved the info . Great video
VUSA cheap thing for fees and has been OK for me. VFEM it has been harsh for me!
Happy new year ! I just wanted to check , if a dividend is payed out , and I want to re-invest it, it’ll be re invested at the current market value correct ? If the S&P500 was doing well and I was payed a dividend , I’d then be re investing it at a “worse” time ?
What is thr point in dividends beings reinvested if the value of the company goes down by the same amount. That sounds like it equals it self out with no benifit, or do you effectively buy more shares with the dividends and make your money by owning more shares and the companies grow over the long term? I have been investing for a while, but just stick to S&P500, FTSE 100 etc.
Thanks for the video! Its good to keep track on whats decent to invest in right now when it comes to diversified funds.
When it comes to accumulating funds, one thing I find a bit confusing is the part where the dividents are reinvested to reflect the share price (not exact quote) and not some automatically done purchase that increases the number of held shares in the fund that I can quantitatively see happening. Using the S and P 500 as example, I have accounts with both Vanguard and InvestEngine and while I can clearly see whats happening with my VUSA, the VUAG doesnt show anything to confirm "yes, there was a divident on X date and it was used for Y" – no change in my average purchase price, no change in units held etc.
Great video again Toby. I don't know why Vanguard still doesn't have a UK app, they have one for US customers. It's so annoying! I'm just drip feeding in FTSE GAC, LS80, FTSE100 on Vanguard, if there is going to be a decade of cheap prices and we are patient then we might do alright in the long run 🙂
Great video! Loads of useful information to take. Whats your thoughts on the FTSE Global All Cap Index
Another great video Toby, I love your stock ticker screen in the background! Could you please tell me where you got it or what software you are running on it?? Thank you
invested with cty a 100 pounds a month with hl because thats all i got because unless you buy more than 21 shares you incour hier charges love to invest in somthing like vhyl but incour hi charges because i can only buy two a month is there a way around this?