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To my understanding, the companies in the S&P index that go wrong get kicked out. So if something like that happens, surely you just have to weather the storm?

To obtain financial freedom, one must either be a business owner, an investor or both generating passive income particularly on a weekly or monthly basis. That's the key to living financially stable...

A great video, thank you for your video. Nice to see honesty on this platform. Good luck to you.

...this is all very well and good until the end bit where he says it's not (SAFE). Nevertheless. Focus on your health, folks. Your health. If you are in-any-way 20% over what your health 'should be' then this message is for you (And me the messenger) (That you are free to shoot if you wish). You may be a pauper at 67+. But you'll be a health bugger looking at all them so called 'wiser misers' that have been caught up in saving, saving, consuming and (DON'T DO THIS) giving their wealth away to even their closest relative...(Yes your son or daughter who is at the mercy of their spouse, your in-laws). Again. Health, health equals wealth. It's really that simple. You (Can't) buy yourself out of this mess. Yes, focus on your state pension, but focus (MORE) on your health and die on a hike/cycle/or shagging some stranger. Read Charles Lebowski and some Marcus Arillus (Mediations) and your retirement is certain...

Thank you, well explained

If I wanted to invest £100 a month for example, say the money was taken from my bank automatically, do I buy different stocks each month? They say to diversify, so should I then alternate 5 or 6 companies to invest in and cycle through them month on month? I’m a complete noob so apologies if this is a stupid question

I dumped my target retirement funds finally. They suck, especially compared to the s&p

more funny T-shirts please!

9.30 always near impossible to get wall units to line up with base units perfectly. its only really anal people that go for that also best keeping the decor end panels away from the range as much as possible.

I currently have a $280k stock portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and QQQ overlap too much to make sense holding both?

I actually enjoyed my work, as in the physical and mental tasks I was employed to carry out. It was people who made it difficult and tedious. I didn’t like being controlled by incompetent and sometimes toxic managers. I also worked for companies who employed people to tick the diversity box. Often the people who they recruited were inept, and not even suitably qualified. There was a period I had of working on a team of lazy, complaining whingers who made every work day absolutely miserable. My wife and I retired early and are totally enjoying life. We would never return to the workplace. We wake up everyday and thank our lucky stars that our working days are behind us. Save some FU money, and as soon as you get sick of your job or the people around you walk away. You’ll be happier and probably live longer.

No Vanguard app available in the UK?

Does your tax calculator have a section for adding benefits like PIP & Pension credit?

Stocks extended their year-to-date rally following the CPI report, with the S&P 500 last up 0.8% in afternoon trading. but I don't know if stocks will quickly rebound, continue to pull back or move sideways for a few weeks, or if conditions will rapidly deteriorate.I am under pressure to grow my reserve of $250k.

Can I ask what city this is? Hard to believe this was only 2 years ago when house prices seem so crazy now. But then again, I'm in London

With number 8, it’s not about wanting to prove to others or caring about what others think imo. It’s about feeling behind when comparing yourself to your peers. Still nonsensical but it is different, more a sense of failure in yourself rather than caring what others think.

That portfolio sounds a lot like my pour over recipe 4:6 🙃 306 in 3-3.5 mins

What do you think about Nasdaq 100? To risky to invest into ?

Thank YOU! This is the video I have been looking for, been really wanting to use investengine but scared of it going under... you've helped ease my fears!

Hi Tom, I have been looking at your broadcasts over the last few days, I am so glad that I found them as they are very informative and as a financial planner and Wealth Manager, offshore for the last 10 years, it's refreshing to see such clear and professional videos. It's not very often that I come across advisors with the "likeability" that you carry, and I just wanted to say well done and good luck. If you ever fancy coming out to Mauritius, I would love to take you for a beer and discuss why I left the big dogs of Dubai and settled with a new and inventive Company on a beautiful Island. Best wishes Dave

The entire stock market is a bubble, you gotta be very good at cherry picking to actually beat the market. Which, I'm pretty sure you are not!!!

I have 10 years of missing national insurance contributions before year 2006 starting year 1991 (what can i do to get them reinstated by paying voluntary contributions as most of those years i was overseas. Pls advise

A very clear and simple explanation, thanks.

The first £200k (I missed the £100k date) took from 2007 (age 29, apart from an earlier pension that was tiny until it got adjusted for SERPs after 2007, I still don't understand this) to around 2021. If I had to guess the £100k date was probably around 2017. I'm getting close to £300k at the moment although some of that has to go on house maintenance (still, that's maintaining an investment, so valid expenditure) soon :(.

It is nice to see a daily up /down in your pension that’s actually more than your daily / weekly wage.

I know that you are posting less these days and I thought that this news was particularly interesting for you. Given the emphasis on passive rather than active funds. I thought I would just add to your list of potentially interesting things to investigate in the UK. With Tuition Fees so high, yet universities investing like the USA while squeezing students. And the financial part is that Index funds would have been better than Hedge Funds. ruclips.net/video/WeIlTMd5qoc/видео.htmlsi=QiQ2yP-c-fwGKZ1C

Great video. Thanks for doing this.

Wrong. The state pension age doesn’t reach 67 until April 2026 .

Please note that yoj need AT LEAST 35 years of full contributions to be eligible for for the full State Pension. To be absolutely clear, there are people who have 35 or maybe 36 (or more!) full NICs and would not get the full State Pension! How do I know? It is because I am one of them! Since some of my NICs before 2016 were contacted out, I need 38 years of contribution to get the full State Pension.This was news to me as I has no idea! I only found out when speaking to The Future Pensions help line. Thankfully, I was able to top up a couple of years. I suggest you find out your own situation; it is free!

Yeh right… Ukraine blood is on Wests hands..they provoked Russia with existential threat!

What do you think of spus

Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.

Great vid 👍.

This is great Tom - really happy for you! I hope you find a way to balance the new venture and RUclips, your content is always top tier and my wife and I love tuning in when there's a new upload. Best of luck with Orca!

The Financial independence is the bit that makes sense to me. Sure, I could be in a job I love, but there are too many variables when doing a job - the biggest of which is other people. So you might have the job you love, but a boss you don't, or a team you don't, or customers you don't. Having the financial independence to be able to do something else, or do the same job, but somewhere else, or deciding that today I don't want to do my job, I want to do something else for the day is the key.

I got one question, I do trading forex, I use Skrill for the payments, to the brokers, Now If I have a earning of 100,000 GBP in my Skrill account, do I need to pay tax on the amount in the my Skrill e-wallet or on the amount which I withdraw from Skrill to my bank account.

Everyone I know who claim the state pension is paid a different amount, but we have all paid our qualifying amount of 35 years.

These numbers are completely WRONG😂 There is no way the average 30 year old is worth £60k lol. Think he's taking average not median numbers which renders this whole video useless lol

Sadly, I'm 43, never owned a house, no college degree, limited office/tech skills and only ~$50k in retirement funds... Which will likely go south soon with the incoming age of ai robots replacing humans for jobs like mine.

I am in a DC Pension Scheme. I have recently started putting extra into 'the pot' via standing order from my Bank. I am seeing 'Tax Relief' applied to this ( 20% ). Now, will this extra money be 'added' to the pot or will it sit 'outside' of the main fund? I am 58, Married and have about £194K in fund so far. Split about 60% ( equities ) and about 40% ( Bonds ). When the credit card is paid off I will increase my contribution to £100 per month. Advice please. Mr T

It’s still the best rebalancing fund out there

It’s still much safer than individual stocks

I have a S&S ISA with T212 and a business investing account with Invest engine, largely because they are the only platform that allows me to invest spare company cash in ETF's. That said, Invest engine's platform is simple but clunky, with delays in depositing cash and a wait in purchases, both in the actual purchase itsrlf and then the purchase hitting my account. On the upside, if you can't find an ETF on IE, if you message them and ask they have made it available pretty quickly and their comms teams are good and prompt in replying. If you want slick, and quick and loads of buying option (and being able to practice for free, CFD etc) then T212 is for you. If like me, you want cheap ETF's, especially for spare company cash, the IE is alright.

PLEASE HELP ..... I've been looking for an answer to this one for years : I work part time .. I rent and I have a works pension (ages 60) From what I can gather, the poverty trap means that I could well end out up being worse off than if I was on pension credit Because I'd loose out on numerous benefits like cold weather payments, opticians and dentists HOW CAN I AVOID BEING WORSE OFF THAN PEOPLE WHO DON'T PAY INTO A PENSION PLEASE ?

I like how his analogy is point to a world ending crisis lol. Like if the s&p goes down I think we'll have bigger concerns than where my money is invested 😂

They also want you to sign up for 10 year's when you make your first payment. It's a great app and platform but they are definitely dodgy.

The S&P500 is not the mag 7 and will never be, it's ONLY the mag 7 NOW... it's dynamic, as in if the mag 7 fail, it rotates and self cleanses with the companies in whatever the next hot industry is. Every decade, the list of the top 10 companies are always different... the index self cleanses and you are not at risk because the SPY is "overweight" on big tech/mag 7. Furthermore, many other developed economies including Germany have their national indices way more concentrated than the SPY.

Whats the point in saving when the Government can change the rules at anytime ? They are now passing legislation to spy on pensioners private bank accounts & stealthily reducing Ni , the link to pensions . Clearly they are planning to means test the state pension. Having a big pension pot would mean losing the state pension even after youve paid decades in Ni & taxes . Completely immoral & wrong & will just discourage work & saving . Why work & save for retirement to give it all to the Government at retirement.

Iam 63 and disabled and now own my home. I live off a private pension (at 60) and Advanced Motability: Currently involved in helping my child with dept. In 1 year the problem will be solved. I will then be able to save; but now I hear benefits will be stopped at £ 16,000. You can't get a decent car for this amount. My wife and I will need a bungalow in the next few years. How can we save?

Good review. I don’t see it being sustainable longer term and doubt people with bigger portfolios transfer. The 20yr olds doing their recreational investing with a few k on meme ETFs won’t sustain growth. They need to convince the mature crowed with 25k > ISAs with nice direct debits to switch, the MVP, basic app won’t sell that. I’m sticking with vanguard (ISA) and HL (fund and share ). I played with IE, did the managed portfolio and self selected one for a few months to experiment and decided not to continue. Only need 1 or 2 global index ETFs / funds.