Everyone talks about diversification, but how diverse do you really need to be? Can you just invest in one fund? Pensioncraft's Ramin Nakisa is personal finance YouTube royalty in the UK. Ramin walks us through some of the major assets classes, and their pros and cons - but also why one investment might just be enough for you to beat most professional investors, forever.
This episode was recorded in July 2023 so some information may have changed since then.
💼 Get us to visit your workplace:
Want us to come into your workplace to give your people a financial education?
Email will@getmost.co.uk for more info.
📈 Investment platforms we use:
Trading 212
Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.
[ Ссылка ]
If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account.
InvestEngine
Get a £25 bonus when you invest at least £100.
[ Ссылка ]
Vanguard
[ Ссылка ]
This is not an affiliate link.
If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
🎉 Sponsors:
Sensate: Get help with your anxiety & 10% off with the code MM10: [ Ссылка ]
Manual: Get help with your hair loss and use the code MM55 to get 55% off.
🏥 What's your financial health?
Take our quiz: [ Ссылка ]
✉️ Newsletter:
If you want a summary from this episode in an easy format, please subscribe to our newsletter: [ Ссылка ]
Disclaimer:
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.
Chapters:
00:00-00:46 - Introduction
00:46-06:40 - Why professional investors fail
06:40-11:29 - How to do it cheaper and better than the professionals
11:29-14:07 Global or S&P 500?
14:07-15:03 - Manual ad
15:03-21:45 - How many funds should you have in your portfolio?
21:45-25:45 - Why bonds are sexy (now)
25:45-30:36 - Gold and cryptocurrency
30:36-31:46 - Sensate ad
31:46-38:34 - How to buy bonds
38:34-44:25 - Holding property in your ISA via REITs
44:25-49:14 - De-risking
49:14-57:37 - Why Ramin left his job to start a Youtube channel
57:37-57:49 - Watch this video next
