The Optimal Order For Investing Your Money

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Title	:	The Optimal Order For Investing Your Money
Lasting	:	17.00
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Views	:	229 rb

Would you change this order based on your personal circumstances? Let me know how and why
Comment from : @JamesShack

I’m Canadian What is isa?
Comment from : @Northernstrongandfre

This was really helpful to hear, thank you!
Comment from : @eddy7985

Complete noob to this I'm getting that stocks ISA is always better than Cash ISA, if you're willing to absorb a little risk, it's a no brainer Is that right?
Comment from : @LeaderOfTheRedNinjas

Excellent video
Comment from : @stevanpopovic2982

Isnt a stocks and shares isa pretty bad right now, I mean like with index funds i've heard some, goldman sachs etc, are predicting quite low (3) returns over the next decade because of how overpriced everything is right now especially us stocks, i think i'll pay my mortgages off first as the rates are going up and its getting more risky if they go any higher
Comment from : @markdrocy3454

Awesome video, thank you for sharing!
Comment from : @CJO13

7 "There are no investments that can beat this reliably" 😂😂😂
Comment from : @terrorbear7

What if you are a solo entrepreneur? How can take advantage of pensions?
Comment from : @TheZenYuzu

How do you insure tail risk on a large pension pot?
Comment from : @paulturner4419

Is there a minimum limit of money you have to invest in order to work with a professional advisor?
Comment from : @mattmurdoch4345

Outstanding explanation
Comment from : @nanbolz2238

Is the chart suggesting maximising ISAs 1st before contributing to SIPPs?
Comment from : @learnsomethingneweveryday1539

This video made me realise how happy i am to be a citizen of The Netherlands
Comment from : @omgfackdehell

How do I find this guy but for Australia?
Comment from : @nasigoring1525

Literally zero of this is how wealthy people become wealthybrbrTo become wealthy, you leverage on cheap debt (2) to buy assets (like homes) to benefit from M2 money supply expanding (thus increasing the value of said homes)brbrRisk-assets like tech stocks are pretty good to buy right after a recession, as interest rates hit zero percent (because that's highly stimulative) Bitcoin is surprisingly non-risky from a protocol point of view, despite the volatilitybrbrYou can absolutely beat 7/year The Federal Reserve, Bank of England, European Central Bank, etc are encouraging people to take as much risk as possible
Comment from : @eugenekorotkov3758

0:45 ok, following this picture, you’d be stuck at Tier2, Tier3 max all your life and never get to the actual investment Tiers So guys do not follow this linear approach, these are all valid instruments but should be considered all at the same time in parallel and tailored to your circumstances Do not put off things at ‘Tier 4’ till you are 100 years of age
Comment from : @tommie6936

Muchas Gracias!
Comment from : @DeusZechiel

Great content very helpful
Comment from : @davidwarner6657

Great content and very eye opening!
Comment from : @fredrickprisca1499

I like your way of explanation
Comment from : @haleyasfraser2429

UK seems way more favorable for early retirement than the USA Here both our pensions and our government penalize you heavily even at 57 with 30 years of service, it's sad, wish I was born over there
Comment from : @ramonabigelow8860

Just a request, if you can remove the spammers or ppl who try to lure others
Comment from : @sristisingh9648

The mortgage overpayment balance can act as most of your emergency fund Ie I can choose to pay next month's mortgage out of the balance and use the money I would have paid in for the emergency The mortgage overpayment is basically a savings account on many mortgages
Comment from : @jaaguitar

The aim is to make money not have a list of random shit you need to do
Comment from : @snoopys14

I found that, in order to max out your pension and ISA, you need to invest into them roughly £70k pa (before taxes) Therefore, unless you make around £100k gross salary, there is no reason to even consider anything tier 4 or above
Comment from : @ElHipokondriako

Can someone explain why so many people overlook insurance? If it's so crucial, why is it the least talked about? 🛡😲
Comment from : @ThrowBackZone

Thanks James As always great content!
Comment from : @pithikoulis

After years of researches to get my finances right I found this video, which covers almost everything I have learned and more in just 17 minutes I wish this video could have existed earlier Would save me years of head scratching Definitely the best and should be everyone's 1st video to learn financial planning!
Comment from : @tsochengkimo

I thought I'd watched every YT finance video and had nothing left to learn, but I still like to watch them and dream of retirementbrbrUntil this video I'd never thought to consider dumping my ISA in the pension a couple of years out from retirement, every day's a school day!
Comment from : @PaulB-q3d

Very informative video One decision I've made (that is the opposite of what you've suggested), is to "front load" my kid's inheritance to them by contributing their maximum JSIPP allowances each tax year until they're 18 and also a small amount each month into high-risk S&S JISAs (again, until they're 18) This way, I can let the magical mix of time and compounding interest work their magic while I make the most of my later life (as I plan on retiring at 55 or so)brbrI've also set up a discretionary trust for them, but it means that I can move my Ltd company shares into it upon my death and I have age-related controls on when my kids can get any access to said funds and/or company shares My pensions are also set up to automatically pay into said trust if I die before I can access itbrbrKeep up the good work I wish I had of had such financial education a blot/b sooner than I did
Comment from : @AlphaStrategyGuides

This diagram is awful Pension BEFORE ISA not after Pensions are actually useful ISAs are only worth it if you put in enough to hit the tax threshold on a savings account The tiny difference in interest isn't worth it otherwise Videos assumes you're a higher earner
Comment from : @Stettafire

For £1 million cover age 45, over 25 years without increases for inflation, Aviva says £120/month for me, not £44 Because London?
Comment from : @pharkieB

Investing in alternative income streams that are independent of the government should be the top priority for everyone right now especially given the global economic crisis we are currently experiencing Stocks, gold, silver, and virtual currencies are still attractive investments at the moment
Comment from : @Baldwin321

You dont recommend premium bonds for basic rate tax payers?
Comment from : @Insertnamehere3000

What about sharesave schemes? The share price for the company I work for is over 50 more than the option price
Comment from : @richhudsonsmith

Excellent and far reaching contents, thanks for sharing James 👍
Comment from : @fivestars9285

Is there any equivalent video about the best sequence of taking money (reflecting implications for income tax, IHT and degradation of returns)?
Comment from : @jonclark1940

What about lump sum vs pound averaging investment especially when indexes/commoditoes/bonds are all at peak ? Thanks
Comment from : @ramzez_uk

PLEASE do a video on Personal Insurance I’m not sure what would be good to have covered
Comment from : @ajt5ajt5

I personally believe the Pension contribution match should be above Emergency fund
Comment from : @michaelleiper

Great, very clear and concise overview Very helpful, thank you!
Comment from : @scottbailey5644

This is my fifth year after retirement I’ve been following the 4 rule thing, but this isn’t really how hard I expected things to be I still have about $460k outside funds in my IRA to invest in stocks Pls how do I take advantage of this?
Comment from : @Aurierserge50

That's an amazing video, James! Thank you! I have a very quick question I hope you can help me with I understand well the additional contributions in DC pensions, but I have a DB pension and I cannot put any additional money into it Have you got any advice for these types of pensions? Don't get me wrong, I know DB pensions are gold dust and I am very happy about it! It's just a shame I can't put more money into it Thanks!
Comment from : @danielbustamante9114

James, brHave stumbled upon your channel and wow was blown away Thank you so much for doing thisbrQuick question on the waterfall which may be relevant to others here:brMy wife and I have relocated to the UK a decade ago, hence, given our age can’t achieve full state pension status So question is whether topping up to to achieve full state pension status is a high tier allocation of funds in your viewbrThank you
Comment from : @guyyaniv

I'm going to invest everything I have with some random on telegram I'm probably going to us a Nigerian Prince 'cos they are always moving money out of the country and have chosen me to help them
Comment from : @stephengreen8986

This is tailored specifically to the UK I suppose?brIn Belgium car loans are cheap, like 4 right now, which might be a lot lower than in the UKbr Also company pension plans work differently - either your employer has it, or doesn't have it, but there is never a personal contribution involved, it's all done automatically
Comment from : @BelleDividends

Stocks in the short term look more likely to move downward I Just inherited $500k which I Look forward to invest what stocks should I look into as a newbie to safely grow my money?
Comment from : @davide2160

Question for James (and all): in which tier would you put ‘UK primary/secondary private education for your dependants’?
Comment from : @michelangelodepalma3333

Fantastic breakdown on tax-efficient investment strategies! 👍 One key point to remember is the importance of adjusting your emergency fund and insurance coverage as your financial situation evolves, ensuring that you're always adequately protected as your portfolio grows
Comment from : @EcomCarl

This is a brilliant video, clear and well communicated, but maybe one additional tier - invest in the here and now, spend money on experiences snd trips with your children or by yourself that you won’t be able to do when you are older
Comment from : @algernon9324

My London house price hasn’t changed in 10 years, it’s been a terrible investment
Comment from : @dadsvideos7872

Hi James, could you please clarify the new isa rules regarding moving funds from 1 platform to another brIf i put this years allocation of 20k into vanguard for example but in 6 months time i decided i would like to move the funds to 212 as i would like to buy individual stocks or some other non vanguard fund would this movement of funds be within the current isa rules?
Comment from : @montyloads

Is there anyone that could make a video like this for Spain?
Comment from : @TimKraai

Great video - thank you
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Comment from : @zulaysolis5145

Video idea I can only afford £100 per month into Vanguard Is it worth doing as the unit price of the funds are around £250?
Comment from : @Angela-pz4lq

Hi James, is it ever efficient to overpay/pay off the postgraduate loan - knowing that I’ll be earning over 65k for the foreseeable
Comment from : @InhaleJam

Interesting useful video Wonder what percentage of people in the UK can now manage to save up an emergency fund to last them more than a month A Jan 2024 survey (finder) reckoned 25 of us have £200 or less in savings Inequality appears to be out of control
Comment from : @stevep4131