The Making Money Simple Podcast

Most of my £196k investment portfolio (at the time of recording) is invested in global index funds and ETFs.
And right now they're all sitting at record highs - or 'all-time highs'.
As is the S&P 500, the Nasdaq, and many other broad market indices.
Which begs the obvious questions: is now a terrible time to invest? Should you just wait for a dip? Is this time different?
In this episode we go through:
What the data actually says about investing at all-time highs
Why 'this time might be different' (or might not be)
Practical steps to take, given the market is at a record high
And more
Thanks for watching and let me know what you think by leaving a comment below!
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠
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⏱️ Timestamps:
0:00 - The current state of the market
1:32 - Timing the market doesn’t work
4:02 - The market is regularly ‘high’?
5:40 - Why is the market regularly high?
6:50 - What is you invest right at the top?
9:07 - Lump sum or drip feed?
10:50 - But… this time is different
13:26 - The reality of market crashes
15:45 - What can you do?
17:27 - So… should you invest?

Get my global index fund & ETF comparison tool: ⁠click here⁠
Listen to this next: 'Should you switch global ETFs?'
In this podcast episode, we answer a great question from Andy:
'VWRP or VAFTGAG'
There are a few important differences:
What they invest in
How much they charge in fees
What platforms they are available on
And the type of investment each of them is
Listen to the podcast episode for the full details.
And thanks for the question Andy!
If you have a question, feel free to email me: ryan@makingmoneysimple.com
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

In this episode I share my brand new Stocks & Shares ISA, why I chose Trading 212, and exactly what I'm investing in.
You can sign up to Trading 212 here
To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this above link (or use promo code 'MMS' in the app). Terms apply.
This portfolio is part of a brand new investing journey that I'll be sharing on here, including portfolio updates, lessons learned, investing mistakes to avoid, everything I've learnt along the way, and more.
If you've got any questions, let me know and I'll get back to you!
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
-----------------------------------------
📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here
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⏱️ Timestamps:
00:00 - My brand new Stocks ISA
00:37 - Why I chose Trading 212
03:55 - What I'm investing in
05:30 - ETF 1
08:20 - ETF 2
12:20 - My portfolio split
13:35 - my plan

Will from @nextgenngpf joins me on this episode - my first ever street interview!
Do you like this style of content?
In this one we discuss Will's portfolio, the platforms he uses, the actual investments he makes, and a lot more!
And if you're interested, you can sign up to Trading 212
To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this above link (or use promo code 'MMS' in the app). Terms apply.
-----------------------------------------
📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

Get started with investing (free guide & course) click here
How I can help you (The Investing Academy) click here
Top broker sign-up offers are here
I hit 12,000 subscribers on YouTube, so thought I'd do a Q&A.
This is the first ever Q&A I've done and I'm answering some of your investing questions from Instagram and YouTube.
We cover a wide range of topics, including bonds, Stocks & Shares ISAs, SIPPs, Trading 212 vs Vanguard, retirement planning, factor investing, portfolio strategy, and much more.
A huge thank you to everyone who has subscribed, watched, commented and supported my YouTube channel and my Podcast.
I genuinely appreciate your support!
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) to help you start investing - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical book, digital book and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
-----------------------------------------
📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠
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Timestamps:
00:00 Introduction
01:41 Q1: Is VANGRS the Best Bond Fund for Retirement?
03:08 Q2: Should You Switch Your SIPP from Vanguard to
Trading 212?
05:55 Q3: Can You Retire Before Pension Age Using an ISA?
08:54 Q4: ISA & DC Pension Tax-Efficient Drawdown?
09:39 Q5: What's the Best Junior Stocks & Shares ISA?
11:09 Q6: Should You Add Factor Investing to Your Portfolio?
12:48 Q7: Will £1 Million Be Enough to Retire?
15:09 Q8: Is It Too Late to Start Investing?
17:12 Q9: How Will I Transition from Wealth Accumulation to
Wealth Preservation?
20:32 Q10: How Much Is Too Much for a Shot of Tequila?
21:27 Q11: Thanks for your support!
21:51 Q12: Which SIPP Platform Is Best?
25:13 Q13: Is It Too Late to Buy Marvell Stock?
27:38 Q14: Should You Add the FTSE 100 Alongside a Global Index Fund?
30:37 Final Thoughts