The Making Money Simple Podcast

In this video I discuss what will happen to the financial markets in 2025. First though, it's helpful to revisit what was predicted in 2024. And then what actually happened in reality. There was a big difference. Including the world's biggest bank getting their prediction wrong by an unbelievable 38%. In fact, since I started investing back in 2017, I think there has been a 'big crash' predicted every year. Yet, the US and global stock markets are much, much higher than 2017. You probably know where I am going with this, but it is impossible to know what will happen and it is impossible to time the market, as we discuss during this episode. The best thing is to start investing and keep investing. It's impossible to predict what will happen from year to year, but by the market goes up slowly over the long term. And by investing you're giving your money the chance to beat inflation and compound. Listen to the episode for the full details. Timestamps: 0:00 - Intro 1:11 - Looking Back At 2024 8:08 - What Will Happen In 2025 13:19 - Start Investing Now ----------------------------------------------- 📕 Buy my book Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1 💻 My website - https://makingmoneysimple.co.uk If you would like to get involved in one of my 4-week investing workshops, get in touch and I can let you know when the next one is kicking off. 📰 Sign up to my newsletter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠⁠ 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple\ 🕺 TikTok - ⁠⁠⁠https://www.tiktok.com/@makingmoneysimple⁠⁠⁠

In this video I discuss exactly how I invested £17,976 across 2024. Including the platforms I use to invest and the specific investments I've made down to the penny. The very large majority of this money went into global index funds and ETFs. That's the investing approach that I personally follow. I then also invested a little bit of money into crypto. Listen to the episode for the full details. Timestamps: 0:00 - Intro 4:07 - Global Fund 1 6:22 - Global Fund 2 10:10 - Crypto 12:30 - 2024 Reflection 14:09 - 2025 Plan 15:22 - Get Started Now ----------------------------------------------- 📕 Buy my book Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1 💻 My website - https://makingmoneysimple.co.uk 📰 Sign up to my newsletter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠ 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple\ 🕺 TikTok - ⁠⁠https://www.tiktok.com/@makingmoneysimple⁠⁠

In this video I discuss the recently announced changes to Vanguard UK fees. This took me by surprise. In short, if you have <£32k on Vanguard's platform across your ISA, SIPP and GIA then you will be paying a £4 p/m fee from 31 January 2025 onwards. If you have >£32k then you are not impacted by this. This fee change also doesn't impact Junior ISAs. In this podcast episode we run through the details of the fee change, the maths of it, who will be the worse impacted, whether you should consider switching or staying, and for those who will switch what platform and/or fund you should switch to. Two specific platforms are appealing if you wanted to switch and I have linked them below. Listen to the full episode for all the details! If you what to sign up to Trading212 and get a free share - www.trading212.com/invite/Fg39FgeY If you want to sign up to InvestEngine and get some free ££ - https://investengine.pxf.io/LKKVEL These are both affiliate links, thanks in advance to anyone who uses them. T&C's apply, with investing your capital is at risk. Timestamps: 0:37 - The Details 5:04 - The Maths 7:09 - Important Points 10:03 - What Should You Do 14:42 - What Platform To Switch To 17:55 - FTSE Global All Cap Equivalent? ----------------------------------------------- 📖 Buy my book Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1 💻 My website - https://makingmoneysimple.co.uk 📰 Sign up to my newsletter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠ 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple\ 🕺 TikTok - ⁠https://www.tiktok.com/@makingmoneysimple⁠

In this video I discuss my brand new book Stop Waiting, Start Investing - that came out on 26 November 2024 - in more detail, run through the investing mistakes I made (of which there were quite a few) and take you on the journey of how I built my portfolio from £0 to £100,000+ over the last 7 years. To do this I didn't do anything special or inherit any more, and I'm certainly not a genius, but I share what I did - mainly consistently prioritising investing over the years. Finally, we touch on compound interest. Including the importance of it in building your wealth and a few specific examples. Listen to the full episode for all the details! Timestamps: 3:16 - My Mistakes 10:43 - Tangent on Workplace Pensions 12:12 - My Investing Journey 20:34 - Compound Interest ----------------------------------------------- 📖 Buy my book Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1 💻 My website - https://makingmoneysimple.co.uk 📰 Sign up to my newsletter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠ 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple\ 🕺 TikTok - https://www.tiktok.com/@makingmoneysimple