Terrible advice on bonds. Real inflation is 12% not 2% so anything under that in terms of interest will be gobbled up by inflation. Steer clear of bonds.
Great charts and clear rationale. Your focus on MAG8 technicals ignores their central role as the picks & shovels of the new AI economy. Chinese data is cooked (unaudited) and CEOs frequently disappear. Gold is at record because of hair-trigger geopolitics. (American here.)
wage growth trails to try (and usually fail) to keep up with product and service inflation from corporate profiteering. wage growth is good for an economy as 'normal' people have more to spend, which is why UK economy has stalled for 15 years
UK and Germany stocks are cheap because their companies are slow in innovation. Their economies are also in worse shape. Big Techs have high valuation for a reason.
Investing in an S&P 500 index fund, such as one offered by Vanguard, means you are indirectly investing in the 500 largest publicly traded companies in the United States. These companies operate across a wide range of industries, and their business activities may include practices you might find ethically questionable. Here's a breakdown:
How S&P 500 Funds Might Be Linked to Unethical Practices
1. Defence and Weapons Manufacturers:
The S&P 500 includes companies like Lockheed Martin, Boeing, or Raytheon Technologies, which are major defence contractors. By investing in the index, you are indirectly supporting these companies, which profit from military equipment sales, including sales to countries involved in conflicts.
2. Fossil Fuels:
Energy giants like ExxonMobil and Chevron are also part of the S&P 500. These companies contribute significantly to climate change, which raises ethical concerns for environmentally conscious investors.
3. Labour and Supply Chain Concerns:
Some companies in the S&P 500 may have been criticised for poor labour practices, supply chain exploitation, or environmental damage.
4. Pharmaceutical and Health:
Certain pharmaceutical companies in the index have faced scrutiny over pricing practices or unethical trials.
What You Are Supporting
When you invest in an S&P 500 fund, you are not actively choosing to support any specific company’s practices. However, because the fund is passively managed to match the index, your money contributes to the growth and success of all the companies within it.
Alternative Options
If you are concerned about inadvertently supporting unethical practices:
ESG Funds: Consider switching to an ESG (Environmental, Social, and Governance) fund, which excludes companies involved in controversial sectors such as weapons, fossil fuels, or tobacco.
Customised Portfolios: Use platforms that allow you to select companies based on your ethical criteria.
Thematic Funds: Focus on funds that actively invest in renewable energy, sustainable practices, or social equity.
i’m too lazy to keep switching to the latest fads. for my main pension pot, i just invest 30% uk equity, 60% developed world ex-uk equity and 10% emerging market equity. costs are minimal and no switching costs!
i have a small pot for dabbling in stock picks. i’m slowly liquidating them as i plan to move them to something simpler to just earn interest (instead of paying tax wrapper fees, platform fees, dealing charges, annual management charges). it seems like everyone wants a piece of my cake and i want to enjoy it without all the’get rich quick’ spiel’. i am rich enough to say ….
Just saw your 2024 forecast to compare then and now. So called professionals forecasted s&p to hit between 5400 and 4200 in 2024… It passed 6000.
Both gold and dollar remain strong due to China buying gold nonstop throughout the year.
Feds didn't start cutting rates until 4Q24. Tesla hit all time high. Bitcoin hit all time high. Both Nasdaq and Dowjones hit all time high. If you feared entering market in early 2024, you probably missed minimum 25-30% gain.
There are so many global and domestic surprise events that impact the market so no one can predict the overall market performance. Everyone should watch these "forecast videos" with a giant grain of salt.
I simply loved the graph of investment bank predictions verses the actual outcomes. They are so consistently wrong I'm taking that as a sign that things will be a bit rough next year – so will just keep on drip feeding into my global trackers, but maybe have a little punt on US small cap value the UK.
Sorry I think this could have been a tad more helpful for younger viewers to explain the process changing platform. On how best to do it. The effects of selling down your index fund ie halt the process of compounding. Then to transferring the funds. And restarting the process of drip feed or lum sum into the new account. Best practices etc 👍 plus £4 a month as a percentage compared to other platforms etc so they can understand whether it's right for them
I would have liked to hear your honest opinion on how shady this is from their low cost provider mentality, will this spark an incentive from HL and others to do the same – DIY investors are now SAAS cash cows! 😂 but I suppose they're a potential sponsor so staying neutral is probably wise 😅
Astonishing that Ramin , who likes to keep fees low, doesn’t even mention that Stockaedia costs about £300 per year. It’s like listening to a market trader. Get your promotion code here.
21 comments
Terrible advice on bonds. Real inflation is 12% not 2% so anything under that in terms of interest will be gobbled up by inflation. Steer clear of bonds.
Are you still ignoring bitcoin while it continues to smash all asset classes? Some people will never change
thanks for the video. i learned a lot from it
Cannot see the colors of the line is it me or everyone else?
Great charts and clear rationale. Your focus on MAG8 technicals ignores their central role as the picks & shovels of the new AI economy. Chinese data is cooked (unaudited) and CEOs frequently disappear. Gold is at record because of hair-trigger geopolitics. (American here.)
wage growth trails to try (and usually fail) to keep up with product and service inflation from corporate profiteering.
wage growth is good for an economy as 'normal' people have more to spend, which is why UK economy has stalled for 15 years
UK and Germany stocks are cheap because their companies are slow in innovation. Their economies are also in worse shape. Big Techs have high valuation for a reason.
Everything is risky except Bitcoin .. it is heading towards $250k.. risk free & return is guaranteed
Investing in an S&P 500 index fund, such as one offered by Vanguard, means you are indirectly investing in the 500 largest publicly traded companies in the United States. These companies operate across a wide range of industries, and their business activities may include practices you might find ethically questionable. Here's a breakdown:
How S&P 500 Funds Might Be Linked to Unethical Practices
1. Defence and Weapons Manufacturers:
The S&P 500 includes companies like Lockheed Martin, Boeing, or Raytheon Technologies, which are major defence contractors. By investing in the index, you are indirectly supporting these companies, which profit from military equipment sales, including sales to countries involved in conflicts.
2. Fossil Fuels:
Energy giants like ExxonMobil and Chevron are also part of the S&P 500. These companies contribute significantly to climate change, which raises ethical concerns for environmentally conscious investors.
3. Labour and Supply Chain Concerns:
Some companies in the S&P 500 may have been criticised for poor labour practices, supply chain exploitation, or environmental damage.
4. Pharmaceutical and Health:
Certain pharmaceutical companies in the index have faced scrutiny over pricing practices or unethical trials.
What You Are Supporting
When you invest in an S&P 500 fund, you are not actively choosing to support any specific company’s practices. However, because the fund is passively managed to match the index, your money contributes to the growth and success of all the companies within it.
Alternative Options
If you are concerned about inadvertently supporting unethical practices:
ESG Funds: Consider switching to an ESG (Environmental, Social, and Governance) fund, which excludes companies involved in controversial sectors such as weapons, fossil fuels, or tobacco.
Customised Portfolios: Use platforms that allow you to select companies based on your ethical criteria.
Thematic Funds: Focus on funds that actively invest in renewable energy, sustainable practices, or social equity.
??????
My HSBC GIS ain't doing as well as my smp500.
i’m too lazy to keep switching to the latest fads. for my main pension pot, i just invest 30% uk equity, 60% developed world ex-uk equity and 10% emerging market equity. costs are minimal and no switching costs!
i have a small pot for dabbling in stock picks. i’m slowly liquidating them as i plan to move them to something simpler to just earn interest (instead of paying tax wrapper fees, platform fees, dealing charges, annual management charges). it seems like everyone wants a piece of my cake and i want to enjoy it without all the’get rich quick’ spiel’. i am rich enough to say ….
Just saw your 2024 forecast to compare then and now. So called professionals forecasted s&p to hit between 5400 and 4200 in 2024… It passed 6000.
Both gold and dollar remain strong due to China buying gold nonstop throughout the year.
Feds didn't start cutting rates until 4Q24.
Tesla hit all time high.
Bitcoin hit all time high.
Both Nasdaq and Dowjones hit all time high. If you feared entering market in early 2024, you probably missed minimum 25-30% gain.
There are so many global and domestic surprise events that impact the market so no one can predict the overall market performance. Everyone should watch these "forecast videos" with a giant grain of salt.
I simply loved the graph of investment bank predictions verses the actual outcomes. They are so consistently wrong I'm taking that as a sign that things will be a bit rough next year – so will just keep on drip feeding into my global trackers, but maybe have a little punt on US small cap value the UK.
These sort of videos are absolutely fantastic, thank you! I really liked the graph showing the S&P 500 and the "expert" forecasts 😂
What does brisque mean? 3:10
Sorry I think this could have been a tad more helpful for younger viewers to explain the process changing platform. On how best to do it. The effects of selling down your index fund ie halt the process of compounding. Then to transferring the funds. And restarting the process of drip feed or lum sum into the new account. Best practices etc 👍 plus £4 a month as a percentage compared to other platforms etc so they can understand whether it's right for them
I would have liked to hear your honest opinion on how shady this is from their low cost provider mentality, will this spark an incentive from HL and others to do the same – DIY investors are now SAAS cash cows! 😂 but I suppose they're a potential sponsor so staying neutral is probably wise 😅
I think Trump will want to see a rise in the share price. His trade policies will push up interest rates which also drives equity price.
Vanguard just got real nasty..can see a lot of people leaving them. Please do a video Ramin
Astonishing that Ramin , who likes to keep fees low, doesn’t even mention that Stockaedia costs about £300 per year. It’s like listening to a market trader. Get your promotion code here.
2025 forecasts. 😊 The comedy segment indeed.
I have a 3 fund portfolio but I have finally decided to invest in ETFs, alongside. I am looking at SCHD, VOO, and XLK OR SCHG.