Explorez tous les épisodes du podcast The Making Money Simple Podcast

Gaby from @gabriellaxgoddard joined me on this podcast episode to discuss how she built a £100k investment portfolio by 22 years old.

It wasn't an inheritance. Or a high salary. Or a stock that went up 10x.

Instead, there were 5 things Gaby did consistently over half a decade, and she shares each one all in this episode.

From not going to university, to side hustling, to workplace pensions and ISAs, and more.

Listen to the episode for the full details!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

⁠⁠⁠⁠Sign up to Trading 212⁠⁠⁠⁠⁠

Get free fractional shares worth up to £100 using the link above or use promo code 'MMS' in the app. Terms apply. Sponsored code. Capital at risk.

Global Index Fund & ETF cheat sheet: download here

Quick note, this podcast episode was recorded before VALL was launched. The cheat sheet linked above has been updated to include the VALL ETF!

In this podcast episode, we answer a question from Anand, comparing the various FTSE All-World funds available to us as UK investors.

Thanks for the question Anand!

If you have a question, feel free to email me: ryan@makingmoneysimple.com

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

I met with Mitch from @MitchShoesmith in London to go through his investment portfolios, why he picked the investments he did, the mistakes he made, and more.

⁠⁠⁠⁠Sign up to Trading 212⁠⁠⁠⁠ (or use promo code 'MMS' in the app)

To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠

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⏰ Timestamps:

0:00 - Intro

0:25 - Vanguard S&S ISA

4:36 - Vanguard SIPP

6:38 - Switching to VALL?

11:30 - Trading 212 S&S ISA

19:19 - Advice to procrastinators

I met up with Christos from FellasFinance in sunny Cambridge to go through his investing journey, past mistakes and both of his actual investment portfolios.

⁠⁠⁠Sign up to Trading 212⁠⁠⁠ (or use promo code 'MMS' in the app)

To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠

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⏰ Timestamps:

0:00 - The lazy path to wealth

3:07 - Why Vanguard's ETF?

5:45 - Vanguard portfolio

15:49 - Trading 212 portfolio

Video mentioned in this episode - ⁠Will I Switch To VALL? My Plan For Every Account⁠

VALL - Vanguard's new 0.07% global ETF - underlying holdings are finally out.

That's exactly what we go through in this one!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠

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⏰ Timestamps:

0:00 - VALL data is out

0:45 - Number of stocks

1:52 - The data

2:58 - Comparison to VAFTGAG

4:36 - My 3 reservations Is now the time to invest?

7:23 - If you haven’t yet switched, should you now?

8:09 - What I will do

8:50 - My VALL plan

⁠Sign up to Sammie's app, Gains⁠

⁠⁠Sign up to Trading 212⁠⁠ (or use promo code 'MMS' in the app)

To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.

I met with Sammie from Up The Gains Money to go through his journey from being £24k in debt to now having over £200k invested.

Including how he financially educated himself and built an app along the way.

Plus, we got ambushed by a dog, some kids and a heard of cows... 🤣

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

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⏰ Timestamps:

0:00 - Getting out of debt

5:02 - Debt payoff methods

7:34 - Financial education & investing

👉 List of Brokers I use (some have sign-up offers):

I currently haven't invested a single penny in Vanguard's new FTSE Global All Cap ETF, 'VALL'.

There are 3 key reasons why, and we go through them in this video.

Saying that, I might invest/switch to VALL soon...

And I've been getting quite a few questions about my plan, given that I am a global index fund investor myself.

So in this episode I go through each of my investing accounts - and each investment - to chat through which ones I probably will switch to VALL, and which ones I probably won't switch to VALL.

At the time Are you investing in VALL yet?

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

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⏰ Timestamps:

0:00 - VALL growth

1:28 - Investments I won't switch

1:51 - VAFTGAG investments

4:42 - Small cap value Stocks ISA

6:23 - Business investing account

7:34 - Various GIAs

9:41 - 'Bed & ISA' Stocks ISA

10:24 - Overall strategy

11:11 - Who should switch?

👉 Looking for a hand? ⁠How I can help you⁠

📺 Watch these next:

• Bonds - Should You Invest? (And Exactly How UK Investors Can)
• Everyone’s Buying Gold… Should You? (The Truth)

In this podcast episode, we answer a great question from Andrew - in terms of when someone should consider investing in gold and/or bonds.

I give my current thought process - and some more useful videos on these topics are linked at the top of the description.

We then go into why it's important to ignore billionaires if you're a regular person looking to build wealth.

Thanks for the question Andrew!

If you have a question, feel free to email me: ryan@makingmoneysimple.com

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

JP from @jpsbudget joined me on this podcast episode to discuss a very common question - is it too late to start investing?

In this one we answer that question, as well as the reality of starting later, how to actually get started and what you need to do to make the most of your money.

Listen to the episode for the full details!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

I met with Neil from @NeilInvests and we went through his entire Trading 212 portfolio - every investment and why.

Sign up to Trading 212 (or use promo code 'MMS' in the app)

To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

📈 Get started with investing (guide, cheat sheet & course - all for free) - ⁠⁠click here⁠⁠

💷 How I can help you - click here

📺 Video: Should You Switch Global ETF? (VWRP vs FWRG vs ACWI) - click here

There's been a lot of questions about Vanguard's new FTSE Global All Cap ETF - 'VALL'.

So in this video, I tried to answer them all, open and honestly.

If you have any other questions leave them in the comments below and I'll get back to you!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠

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⏰ Timestamps:

0:00 - It's here!

0:57 - Which brokers have VALL?

1:45 - Is there going to be an Income version?

2:04 - What’s the difference between this and VWRP/FWRG etc?

2:44 - Will I switch?

5:50 - Should you switch?

8:11 - Should you switch all in one go?

9:37 - Could this backfire?

11:20 - Summary on platform & fund switching

12:20 - Will it have 7,000 stocks?

12:36 - How much of it is US?

13:13 - What will other fund managers do?

14:13 - Will other Vanguard fund fees be cut?

14:40 - Why did Trading 212 halt investing?

16:04 - Difference to VWRP?

16:21 - Do you need small caps?

17:15 - Could they increase the fee?

17:44 - Use a separate small cap ETF instead?

19:12 - What about the Avantis ETF?

📈 Get started with investing (guide, cheat sheet & course - all for free) - ⁠click here⁠

💷 Top broker offers - ⁠click here⁠

IT'S FINALLY OUT!

The Vanguard FTSE Global All Cap ETF.

This video includes the key details, as well as when it will be available on your platform and whether you should switch to it.

Let me know your take on this in the comments down below.!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

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⏰ Timestamps:

0:00 - It's here!

1:17 - ETF details

4:18 - Which brokers offer it?

4:43 - What are the downsideS?

6:21 - Should you switch to / use this new ETF?

👉 Looking for a hand? How I can help you

On 6 August 2026, I crossed a £200,000 investment portfolio.

Crazy!

I'm buzzing and certainly never thought this would happen when I started investing nearly 10 years ago.

In this one, I go through all of the numbers transparently, from what I've contributed, what the gains have been, the exact investments I make, exact accounts I use, and more.

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

I've been investing for nearly 9 years - and I've invested every month for over 100 months in a row now.

Across that period I've lost money, made mistakes and learned what actually works.

In this one, I go through the most important lessons from the last 9 years.

Any questions let me know below - and I hope it helps you on your investment journey!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠

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⏱️ Timestamps:

0:00 - 9 years later

1:25 - Making mistakes on small amounts

3:21 - Sticking with it

4:22 - The start is slow... but don't worry

6:11 - Automate what you can

6:56 - Your savings rate is most important

9:01 - The proof about compounding

9:47 - Own the whole haystack

11:36 - Boring works

11:53 - Fees matter

13:42 - Wrap it up

14:27 - Look into your workplace pension

15:18 - You probably don't need to do more

16:07 - Timing the market

17:30 - It's easy to get rich slow

Most of my £196k investment portfolio (at the time of recording) is invested in global index funds and ETFs.

And right now they're all sitting at record highs - or 'all-time highs'.

As is the S&P 500, the Nasdaq, and many other broad market indices.

Which begs the obvious questions: is now a terrible time to invest? Should you just wait for a dip? Is this time different?

In this episode we go through:

• What the data actually says about investing at all-time highs
• Why 'this time might be different' (or might not be)
• Practical steps to take, given the market is at a record high
• And more

Thanks for watching and let me know what you think by leaving a comment below!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠

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⏱️ Timestamps:

0:00 - The current state of the market

1:32 - Timing the market doesn’t work

4:02 - The market is regularly ‘high’?

5:40 - Why is the market regularly high?

6:50 - What is you invest right at the top?

9:07 - Lump sum or drip feed?

10:50 - But… this time is different

13:26 - The reality of market crashes

15:45 - What can you do?

17:27 - So… should you invest?

Get my global index fund & ETF comparison tool: ⁠click here⁠

Listen to this next: 'Should you switch global ETFs?'

In this podcast episode, we answer a great question from Andy:

'VWRP or VAFTGAG'

There are a few important differences:

• What they invest in
• How much they charge in fees
• What platforms they are available on
• And the type of investment each of them is

Listen to the podcast episode for the full details.

And thanks for the question Andy!

If you have a question, feel free to email me: ryan@makingmoneysimple.com

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

In this episode I share my brand new Stocks & Shares ISA, why I chose Trading 212, and exactly what I'm investing in.

You can sign up to Trading 212 here

To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this above link (or use promo code 'MMS' in the app). Terms apply.

This portfolio is part of a brand new investing journey that I'll be sharing on here, including portfolio updates, lessons learned, investing mistakes to avoid, everything I've learnt along the way, and more.

If you've got any questions, let me know and I'll get back to you!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here

-----------------------------------------⁠⁠⁠

⏱️ Timestamps:

00:00 - My brand new Stocks ISA

00:37 - Why I chose Trading 212

03:55 - What I'm investing in

05:30 - ETF 1

08:20 - ETF 2

12:20 - My portfolio split

13:35 - my plan

Will from @nextgenngpf joins me on this episode - my first ever street interview!

Do you like this style of content?

In this one we discuss Will's portfolio, the platforms he uses, the actual investments he makes, and a lot more!

And if you're interested, you can sign up to Trading 212

To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this above link (or use promo code 'MMS' in the app). Terms apply.

-----------------------------------------

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

Get started with investing (free guide & course) click here

How I can help you (The Investing Academy) click here

Top broker sign-up offers are here

I hit 12,000 subscribers on YouTube, so thought I'd do a Q&A.

This is the first ever Q&A I've done and I'm answering some of your investing questions from Instagram and YouTube.

We cover a wide range of topics, including bonds, Stocks & Shares ISAs, SIPPs, Trading 212 vs Vanguard, retirement planning, factor investing, portfolio strategy, and much more.

A huge thank you to everyone who has subscribed, watched, commented and supported my YouTube channel and my Podcast.

I genuinely appreciate your support!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) to help you start investing - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical book, digital book and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠

-----------------------------------------

Timestamps:

00:00 Introduction

01:41 Q1: Is VANGRS the Best Bond Fund for Retirement?

03:08 Q2: Should You Switch Your SIPP from Vanguard to

Trading 212?

05:55 Q3: Can You Retire Before Pension Age Using an ISA?

08:54 Q4: ISA & DC Pension Tax-Efficient Drawdown?

09:39 Q5: What's the Best Junior Stocks & Shares ISA?

11:09 Q6: Should You Add Factor Investing to Your Portfolio?

12:48 Q7: Will £1 Million Be Enough to Retire?

15:09 Q8: Is It Too Late to Start Investing?

17:12 Q9: How Will I Transition from Wealth Accumulation to

Wealth Preservation?

20:32 Q10: How Much Is Too Much for a Shot of Tequila?

21:27 Q11: Thanks for your support!

21:51 Q12: Which SIPP Platform Is Best?

25:13 Q13: Is It Too Late to Buy Marvell Stock?

27:38 Q14: Should You Add the FTSE 100 Alongside a Global Index Fund?

30:37 Final Thoughts

📈 Join The Investing Academy here!

In this video we go through my investment portfolio - an update as of the end of June 2026.

Including: what accounts I use, what I actually invest in, how my portfolio is performing so far this year, what I've been investing in this year, and more.

I hope this helps. If you have any questions or thoughts please let me know in the comments below!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) to help you start investing - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical book, digital book and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠

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Timestamps:

0:00 - Time for an update

0:56 - The numbers

2:53 - Vanguard UK

9:13 - Vanguard Australia

13:15 - HL

14:13 - Trading 212

14:50 - Freetrade

16:15 - Crypto

18:05 - Final thoughts

Tom from @moneycoachtom joined me on this podcast episode to discuss - perhaps controversially - the financial advice industry.

Sometimes categorised by high fees and a lack of transparency, which begs the question: is a financial advisor actually worth it?

For some people, maybe. For others, maybe not.

In this episode we get into when a financial advisor isn't (or is) worth it, the questions you need to ask your financial advisor ASAP, how to actually get value, some horror stories, and more.

Listen to the episode for the full details!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠

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Timestamps:

3:50 - What questions should you ask your FA?

8:45 - What about fees and value add?

13:55 - Further things to ask your FA

24:59 - What about the rise of ‘financial influencers’?

34:22 - What are some of the worse FA examples?

41:51 - When is a FA actually useful?

47:21 - What should you do?

Mentioned in this episode:

📝 Get started with investing (free guide & course): click here

🌎 Global index fund & ETF tool: click here

📺 Two new FTSE All-World ETFs: click here

'Should I switch global ETF?' - this is one of the common questions I receive.

For most people, you probably don't need to.

But if you are thinking about it, there's a few things to consider. Including: fees, spreads, platform availability and one 'GIA tax trap' that could wipe out any savings.

We break it all down in this video and there's a checklist at the end that you can use to see whether it's worth you switching!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) to help you start investing - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical book, digital book and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠

-----------------------------------------

Timestamps:

0:00 - Should you switch?

1:16 - Ongoing fees

5:18 - Spread fees

6:39 - Dealing fees

7:03 - Is your fund truly global?

8:16 - Are you in the right version?

9:02 - Platform availability

10:30 - Returns

12:46 - Tax

14:47 - Behavioural cost

15:34 - Summary

Top investing offers - ⁠click here⁠

Three investing mistakes I see people make over and over, through 1-on-1 calls I have and messages I receive:

1. High, unnecessary fees
2. The wrong tax wrapper
3. ISA vs pension mix up

Fix these and you'll save yourself a few quid!

If you have a question, feel free to email me: ryan@makingmoneysimple.com

-----------------------------------------

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) to help you start investing - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical book, digital book and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

-----------------------------------------

Timestamps:

0:00 - 3 costly mistakes

1:00 - Mistake 1 - High Fees

4:40 - Mistake 2 - Wrong Tax Wrapper

8:16 - Mistake 3 - ISA vs Pension

Tom from @TomTalksInvesting joined me on this podcast episode to talk about what on earth is going on in the markets.

We get into the state of the economy, both here in the UK and globally, and what it all actually means for your money.

Tom also walks me through how he runs his own portfolio, including going through his strategy with individual stocks and crypto.

And we dig into the biggest lessons we've both picked up along the way.

Listen to the episode for the full details!

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠

Mentioned in this episode:

• 📊 ISA tool - click here
• 🌎 PACW Global ETF review video - click here

I forgot to mention the ticker symbols, so I put them on screen at 5:56. These are the ticker symbols for the GBP-listed ETFs.

The main caveat with all of this is that these two ETFs are brand new.

As a result, they are likely to have higher spread fees, they currently have a relatively small amount of assets under management (AUM) and they have a lack of track record - so we don't know how well the ETFs will track the underlying index.

But - overall it's still great that we are getting lower and lower fees for global ETFs!

Sources:

1. News article: https://www.etfstream.com/articles/dws-offers-cheapest-ftse-all-world-etf-after-fee-cut
2. Xtrackers ETF: https://etf.dws.com/en-gb/IE000L6ZMMC4-ftse-all-world-ucits-etf-1c/
3. iShares ETF: https://www.ishares.com/uk/individual/en/products/349410/ishares-ftse-all-world-ucits-etf

-----------------------------------------

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠click here

-----------------------------------------

Timestamps:

0:00 - The news

0:53 - Fees keep coming down

2:48 - The new lowest fee FTSE All-World ETF

4:45 - What this means for us⁠⁠⁠

Platform comparison tool: click here

Two New 0.12% FTSE All-World ETFs: click here (YouTube Video)

In this podcast episode, we answer a great question:

'Trading 212 or InvestEngine?'

First, we go through what to actually look for when selecting the platform.

Then we delve into this specific question in more detail, running through the key considerations.

Listen to the podcast episode for the full details.

And thanks for the question Grace!

If you have a question, feel free to email me: ryan@makingmoneysimple.com

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

What do you make of this new '22% tax on uninvested cash in Stocks & Shares ISAs'?

To be transparent and up front, the full details are still not known. Once we do know the full and final details, I will release another episode.

But I still think it's worth putting this out to make you aware of this coming change and so you have as much time as possible to take any potential actions that you need to.

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

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Timestamps:

0:00 - What happened?

0:52 - What is the ISA change?

2:55 - Who does this impact?

5:28 - How much money will this raise?

6:41 - Why this change is pointless (2 main reasons)

9:40 - What about ISA transfers?

10:23 - How to encourage investing

12:07 - What practical things should you do now

15:38 - My honest thoughts

My Vanguard portfolio recently hit £100,000!In this episode we go through all of my accounts (ISA, SIPP, GIA), how I built this up over time since 2019, and the mistakes and key lessons along the way.

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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠⁠click here⁠⁠

-----------------------------------------

Timestamps

0:00 - I hit £100k!

1:59 - Total portfolio

2:30 - GIA

3:36 - ISA

6:53 - SIPP

10:26 - Back to total portfolio

11:07 - Reflection and future plan

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠⁠click here⁠⁠

📈 Top broker offers: ⁠⁠click here⁠⁠

🌎 Global index fund & ETF cheat sheet: click here

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More Investing:

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠⁠click here⁠⁠

📈 How I can help you: ⁠click here⁠

Three important lessons: time in the market, getting your 'setup' right, avoiding behavioral pitfalls.

All discussed in this episode after the market update!

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More Investing:

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠⁠click here⁠

-----------------------------------------

Timestamps:

0:00 - Market update

5:19 - Lesson 1

7:53 - Lesson 2

11:34 - Lesson 3

💡 Stocks & Shares ISA comparison tool: click here

📈 How I can help you: click here

What is the best Stocks & Shares ISA for the current tax year?

Overall - it will depend on your specific preferences.

In this episode we discuss reputation, fees, accounts and investments offered, and more - to help you pick the best Stocks & Shares ISA for your situation.

You can use the tool linked above to work out how much you may pay in fees, a full ISA comparison and the 'fund availability' on each platform. I hope it helps!

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More Investing:

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠⁠click here

-----------------------------------------

Timestamps:

0:0 - What is the best S&S ISA?

2:03 - The selection has never been better

2:27 - Key criteria when selecting your ISA

4:52 - Reputation and safety

5:52 - Fees

9:51 - Other accounts offered

12:08 - Investments offered

13:33 - Fractional investing and automatic investing

15:44 - What about Vanguard, HL, AJ Bell?

18:00 - What is the best S&S ISA?

Sammie from @UpTheGainsMoney (and The Money Gains Podcast) joined me on this podcast episode.

You can check out the the Gains app ⁠here⁠.

Being a founder/entrepreneur, I asked him 9 important questions (each question is timestamped below).

From AI tools and self employment vs 9-5, to building a business and raising money from investors.

Listen to the episode for the full details!

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

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Timestamps:

0:00 - Are taxes too high in the UK?

3:55 - How to improve business-building in the UK?

6:29 - Are people actually leaving the UK for Dubai?

10:36 - What are the biggest entrepreneur learning curves?

15:15 - What is the app you’re building?

20:10 - What’s it like raising money?

25:11 - What’s been the hardest thing?

27:52 - What AI tools are worth using?

33:13 - Thoughts on self employment vs 9-5?

If you need help with your investing accounts: https://www.makingmoneysimple.co.uk/

In this episode we cover everything to do with Stocks & Shares Lifetime ISAs:

• What they are
• Their pros and cons
• S&S LISA vs Cash LISA
• Whether you should use them
• The best S&S LISA providers - https://www.moneysavingexpert.com/savings/lifetime-isas/#bestbuysstocks
• The maths behind why a pension might be better
• Why I stopped contributing to my own S&S LISA

I hope you find this episode helpful!

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More Investing:

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠click here⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠click here⁠⁠⁠⁠

-----------------------------------------

⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

-----------------------------------------

📥 Get in touch - ⁠click here⁠

This is a special episode. Ian, a previous course student, joins me to discuss his investing journey... and he drops a lot of gems!

From not even having a credit card and selling at a 3p loss due to nervousness.

To now having a Stocks & Shares ISA and SIPP, and a workplace pension he's taken control of, investing for the long term.

If you're a nervous investor or a beginner investor, this episode will be perfect for you.

It will help you out and show just how much you can change within a few months.

Mentioned in this video:

• Get involved in the next 4-week Investing Course - click here
• Workplace pension video - click here
• Previous podcast where I answered Ian's questions during the course - click here

Listen to the episode for the full details!

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More Investing:

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠click here⁠⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠click here⁠⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - ⁠click here⁠

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Timestamps:

0:00 - Intro

3:30 - Which S&S ISA and ETF?

7:01 - Panic selling

10:48 - Workplace pension and SIPP

17:29 - Crypto investments

23:45 - Global diversification

26:39 - Plan going forward

29:50 - The best time to start

32:3 - Spreading the word

Download the end-of-tax-year 20 question checklist here.

Other things mentioned in this episode:

• Claim extra tax relief back - here
• Tax cliff YouTube video, if you earn more than £50,270 - here

Thanks for listening!

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More Investing:

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠click here⁠⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠click here⁠⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch - click here

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Timestamps:

0:00 - 20 end of tax year questions

1:32 - ISAs

3:20 - Important Cash ISA point

5:59 - Pensions

7:43 - Important action: tax relief

9:38 - Biggest change: dividends

11:24 - Capital gains tax (and bed & ISA)

13:45 - Inheritance tax

14:16 - Limited company directors

15:32 - Most important reminder

In this episode I share my honest thoughts on 'passive income'.

Is passive income too good to be true?

Usually, in my opinion. But not always.

That's what we delve deeper into in this one.

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More Investing:

📝 How I can help you & download my free investing guide to help you start investing - ⁠⁠click here⁠⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠click here⁠⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Will AI Replace Accountants, Auditors or Finance Business Partners?

Owen from 'Owen Talks Finance' joins me on this podcast episode to discuss this very topical question.

In this episode, we go through:

• How to use AI to enhance your job
• What jobs are at risk due to AI
• The pros and cons of using AI in the workplace
• How AI can improve your personal life
• And more

Listen to the episode for the full details!

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Thanks for listening to this episode!

Source: https://www.etfstream.com/articles/vanguard-plots-size-factor-etf-rollout-in-upcoming-launch-spree

Is anyone planning on investing in this new FTSE Global All Cap ETF once it's released?

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More Investing:

📝 How I can help you & download my free investing guide to help you start investing - ⁠click here⁠

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠click here⁠

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to this next - ⁠ EVERYTHING You Need To Know About Pensions (State, Workplace, SIPPs & more)

In this podcast episode, we answer a great question:

'Should I use a workplace pension, SIPP or Stocks & Shares ISA?'

In really comes down to tax optimisation vs flexibility.

In this episode we break down the key differences, when each one makes sense and the simple framework I use to decide which one to focu on.

Listen to the podcast episode for the full details.

And thanks for the question Craig!

If you have a question, feel free to email me: makingmoneysimple1@gmail.com

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More Investing:

📝 How I can help you & download my free investing guide to help you start investing - click here

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - click here

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Christos from Fellas Finance joins me on this episode to discuss his investing journey.

From early mistakes, to building up a £120k portfolio by 34, to aiming to get to £1m by 50.

This episode is an insight into Christos' journey to date and future plans.

In this episode we also discuss overpaying your mortgage vs investing, the biggest determinants of investing success, what we personally invest into, and more.

Listen to the episode for the full details.

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Sign up to my email newsletter - https://www.makingmoneysimple.co.uk/Newsletter

Workplace pension YouTube video - https://youtu.be/idEI30WR5RY

How I can help you - https://www.makingmoneysimple.co.uk/

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

My website & how I can help you - https://www.makingmoneysimple.co.uk/

New Vanguard Global LifeStrategy funds - https://www.vanguardinvestor.co.uk/articles/latest-thoughts/how-it-works/introducing-lifestrategy-global-a-new-way-to-diversify-your-portfolio

Freetrade fee change - https://freetrade.io/blog/free-pension-free-funds?lid=3w0mpl2166lw&utm_source=braze&utm_medium=email&utm_campaign=2026_01_23_Free_SIPP_Free_Mutual_Funds_Service&utm_variant=Variant%201

HL fee change - https://www.hl.co.uk/help/income-and-fees/fees-explained/fee-changes

Potential LISA changes - https://moneyweek.com/personal-finance/isas/lifetime-isa-reform-new-product-retirement-option-scrapped

Timestamps:

0:00 - Intro

0:48 - New Vanguard Global LifeStrategy funds

4:08 - Freetrade fee change

9:06 - HL fee change

13:34 - Potential LISA changes

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Will from @nextgenngpf joins me on this episode to discuss 5 of the best side hustles to try in 2026.

The first two are open to anyone.

The remaining three are also open to anyone, but they're more geared towards those who are already making content online.

We discuss each side hustle, the pros, cons, earning potential and what you need to know.

Listen to the episode for the full details.

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Should you invest for your children… or yourself first?

Owen from 'Owen Talks Finance' joins me on this podcast episode to discuss both:

• Investing for yourself, as you bring up children
• And investing for your children

In this episode, we go through: why your own investing and retirement should probably come first, how to invest for your children, balancing investing for yourself vs your children, why even small amounts for kids are so important - and more.

Listen to the episode for the full details.

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

How I can help you - ⁠⁠click here⁠⁠

It took me 6.5 years to reach £100k invested. But here's what often isn't talked about:

Most of that wasn't compounding.

It was my own contributions.

Early on, how much you invest matters far more than what returns you get.

If investing feels slow at the start - that's normal. Don't feel disheartened. Stick with it and be consistent.

And if you are feeling like this, then this episode is for you and I hope it makes you feel a bit better and reassured.

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to our other episode - What to look for when selecting a fund

Tom from 'Tom's Personal Finance' joins me on this podcast episode to discuss potentially the best global ETF for UK investors in 2026.

We analyse the ETF (Ticker: ACWI) - looking at the index it tracks, what it invests into, the fee, and more.

You can take this exact criteria and apply it yourself when assessing funds.

Finally, we discuss whether this is the best global ETF and how it compares to other popular global ETFs (VWRP, FWRG).

Listen to the podcast episode for the full details.

Timestamps:

0:00 - Intro

1:20 - Index

3:40 - Holdings

6:32 - Fees

8:25 - Other details

18:41 - Is this the best global ETF?

19:42 - Comparison to other global ETFs (VWRP, FWRG)

23:42 - How to pick one

25:25 - Outro

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

How I can help you in 2026 - click here

Watch this next - Revealing my £180k portfolio

Timestamps:

0:00 - My 2025 growth

2:28 - Exactly what I invested into in 2025

8:16 - 2025 capital gains

11:45 - Top 3 2025 takeaways

Listen to the podcast episode for the full details.

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to this next - What is the best Global ETF?

In this podcast episode, we answer a common question:

'Do you really only need one global ETF in your investment portfolio?'

The answer is yes and no.

Yes - if you want to keep your approach as simple as possible.

No - due to various reasons. We run through 6 scenarios where you might want to invest into more than just one global ETF.

Listen to the podcast episode for the full details.

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Tom from @tom.tpf joins me on this podcast episode to discuss 10 of the top ETF mistakes that investors make.

Investing into too many different ETFs, not understanding what an ETF actually invests in, how FX impacts returns, only focusing on an ETFs fee, just to name a few.

Listen to the podcast episode for the full details!

Other useful episodes mentioned:

1. What To Look For When Selecting An Index Fund or ETF - https://open.spotify.com/episode/2sdBm4cFYer5ljiQAGZNC3?si=ZnEqarGUTj6ShWVVma2m_A

2. Are UK Investors Worse Off Than US Investors Due To FX? - https://open.spotify.com/episode/2JorWR1NOSYW1vhkEX31Si?si=XJabxL9cT-S0kbxvVJzZTA

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More investing:

📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide

📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book

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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.

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📥 Get in touch: https://www.makingmoneysimple.co.uk/contact