The biggest difference between investors that succeed and those that fail is down to differences in behaviour. Some people are disciplined about investing and have behaviours that work while others repeat patterns of behaviour that destroy their wealth. In this video, we’ll look at how you can build patterns of behaviour that will help you become a better investor and achieve your long-term goals.
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DISCLAIMER
All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results.
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Does invest engine only have etfs or are there open ended funds available. Also do they charge to buy and sell etfs. Am i right in thinking there's no platforn charge, so if you invest money with them and leave it to grow there won't be any charges to pay
Ramin going for the mega Wotsits sponsorship… lol!!! 😂
I think everyone’s mileage may vary on this but using 1000 to get to 1 million are simple figures to portray a HUGE amount. I earn the average salary and I look at these figures in pension terms. With company contributions and AVC’s I can get to around 70% of these figures but when I add my partners pension to the mix the magic £1m is actually achievable (and could even be considered pessimistic). It would be tough for a YouTuber to strike a chord with all viewers but if it gets youngsters playing around on a compounding calculator it can only be a good thing. I’d have loved for my 20 year old self to have watched this video. Thank you Ramin. 👌🏽
THE reason 99% of retail day traders fail is that the market literally trains you, like Pavlov's dogs , to make the exact wrong decision. It will train you close when you should hold or even add and to hold when you should close in both winning or losing positions. Even with a mechanical strategy it's impossible to eradicate 'emotions' of fear . Fear of missing a position, fear of losing a winner , fear of losing more money to the point where you even fear winning ! It will train you feel more comfortable being in a losing position than in a winning position !! If you can be honest with yourself and recognise the truth about YOU then you have been trained already . Trade what you see NOT what you think you see….Good Luck.
£1000 per month = £12000 per annum – after tax and Nat ins so now about £15-16000 – kind
of scary?
Hi Ramin, thank you for your content. Can you make a video on diversifying? Investments outside of stocks and bonds that can balance a portfolio when stocks decline.
Hi. I’m new to investing and as such I log in every day. I don’t want to be doing this but I do want an easy and quick way to see what stocks are doing. Or should I say my ETF stocks. Is there a quick way to show this on a phone. Like a widget or something. Just so I know when there’s a massive dip in the market. Thanks.
Might be time to update the youtube membership video and perks, Ramin. It says you don't take any money from investment platforms or asset managers 😅
Don't panic, don't invest with emotions, think long term and believe in yourself, don't always follow others.. Buy when cheap and check the facts.
Crypto is monopoly money……invest in a good company.
I can encourage my kids to start to save early but they won’t prioritise high percentages of their income so will be relatively low. £100pm is better than nothing when compounded. But I might experiment with a ‘kickstarter’ lump sum if it really can benefit from a long period of compounding to help them.
Hi Ramin, does your Invest Engine referral work for opening a SIPP?
I'm not saying that I'm the best investor, but I've somehow put together a portfolio that limits the downside, and is also making double digit returns…30% SCHD, 30% US Market, and 30% in 10 different dividend ETFs (growth and int'l), and 10% BRK.B to round things out. It's more complicated than a single fund, but I am surprised at how well it's done.
Cheesy wotsits 😂
Great video Ramin. I'm new to investing and at 64 starting too late. What fund do you have in your portfolio and why? Any others i could look at to keep things simple.
I'm going to stop watching investment videos as you need years ahead of you and I'm 51.
Very good video for mind set. Certainly my focus is to spend very little and get regular money a month into the SIPP and the ISA. If that means eating noodles to meet the goals then I will 😂
With global equity making up around 60 – 65% US – What are the signs for the US consumer, is it slowing down now that those government cheques have been spent?
Great video. Thanks.
Chuckling – Atomic habits is taken straight from the Cognitive Analytic Therapy text book. It is a very good approach.
Whilst I understand the need to use simplified examples in these videos, some things are just completely unrealistic:
Most young people in their 20s are unlikely to be earning the UK average wage and even if they are, they are very unlikely to be able to afford to invest more than 30% of their gross income, after housing, food and normal living costs. Also, if you are living on an average wage today, less £1k per month invested, why would you need a disposable income that is more than double that amount in retirement (ignoring inflation)? My simplified example using round numbers: £36k gross income, £500 per month pension investments, £2.5k remaining gross income per month, leaves £1k tax free (personal allowance) + £1200 after 20% tax = £2.2k per month. A retiree should be able to live on the same, or lower income, i.e. £30kpa gross, so that would suggest a capital sum at retirement of £750k, which is a more realistic target. That could be achieved by investing £500 per month at a more conservative growth rate of 4.6% for 35 years but also assuming that monthly contributions are increased by 3% each year, on average, to represent career development increases in income (i.e. above inflation).
Many people would not have the stomach for the volatility that comes with stock market investments, especially in the decade leading up to and then into retirement, so whilst a 6% compound annual growth rate may be a valid average in the long term, it's still unrealistic in reality because in later years, at least a proportion of that investment should be held in more secure and less volatile investments. If it were possible to maintain a growth rate of 4% (above inflation) in retirement, then that would sustain 4% annual drawdown without touching the capital. State pension income would allow that rate of drawdown to be reduced, so a lower growth rate (reduced risk/volatility) would still be sustainable.
I don't really understand the 4% rule. My Wife and I both hope that by the time we die, the pot is empty. Impossible to time that I know but we earned our money and we want to spend it. There is no doubt that as we enter our twilight years we all slow down our spending, so until that time comes we intend to make the most of our investments.
How are you not a millionaire with all this knowledge
Is there a website that aggregates current performance of money market funds?
Great advice. Any tips for someone that is late to investing and can’t take advantage of time for compounding? Am self employed and planning on winding down in 15 years time when I reach my 70s and only work a couple of days a week but 15 years isn’t really enough time for compounding to take effect properly.
Excellent Ramin…I have just started using Invest Engine. Great platform for DIY investing.
My habits are very Atomik 😂
DMO to allow private investors to bid for govt bonds in primary rather than secondary market, via HL and ii, according to Telegraph article 22 Feb. Would be good to have a video or videos on this. Thanks
Recommended viewing for Angela Rayner, great video Ramin
I loved the book, and it's a privilege to have its principles applied to personal by you Ramin. Thank you.
"Cheesy whatsits"! 😋 I'm off to the shops! 😂
Hi, can you list the best retirement planning software available to the uk public . Everything I’ve found is either for the American market or only sold to IFAs.
70% Total US stock
10% Total international stock
10% QQQ or QQQM
10% SCHD dividend stocks
Noob question, if anyone cares to enlighten me. I watched a few vids and wonder what is best to go with ISA STOCKS and shares or pension.. tax wrapper is good .. can you just invest without using sip or isa ? And are all products and funds the same across whatever method used to buy them ??