# I Opened a New ISA… Here’s What I’m Buying with £200 A Month

## Метаданные

- **Канал:** Toby Newbatt
- **YouTube:** https://www.youtube.com/watch?v=CBGJP2o8kiQ
- **Дата:** 03.05.2026
- **Длительность:** 9:35
- **Просмотры:** 44,623

## Описание

Sign up free to my email group and get my FREE stocks and shares ISA Spreadsheet:
https://tobynewbatt.com/best-stocks-shares-isa-spreadsheet

*The Investing Apps I Use*

💸 - Lightyear
http://lightyear.com/tobynewbatt
Use TOBY to get between £10 and £100 in a fractional share or ETF in your General Investment Account. See full T&Cs at lightyear.com/tobynewbatt. Capital at risk.  ISA rules and promotional terms apply. 

💸 - Trading 212 
https://www.trading212.com/join/TOBY
To get free fractional shares worth up to 100 EUR/GBP,  you can open an account with Trading 212 through this link .
*Terms Apply. Capital at risk. Affiliate Link.*

💸 - Freetrade
https://bit.ly/Freetrade-Toby 
Get a free share worth between £10-£100 for signing up and depositing at least £50. Terms Apply. Capital At Risk.

*//My Favourite Bank Account for Personal and Business*
💸  - Join Monzo and get up to £50 free
https://join.monzo.com/c/th4zbyy

*//Want to speak with me 1:1?*
Email me here with your needs and we can book a 1hr 1:1 call.
toby@tobynewbatt.com

Disclaimer: This information is not investment advice. Do your own research. When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.

Disclaimer: Some links are sponsored affiliate links and I will receive a small commission if you use them at no additional cost to you. Thank you.

## Содержание

### [0:00](https://www.youtube.com/watch?v=CBGJP2o8kiQ) Segment 1 (00:00 - 05:00)

As many of you might know, I've been investing for more than 10 years, and I've got investing portfolios worth multiple six figures, some of which I show here every month on YouTube. However, although I still invest every single month without fail, once you have a decent sized account, investing is not the same as it would be compared to just starting out. You don't get to see the compounding effects on the money. You can easily get demotivated and it's very, very easy just to give up. So, as someone who is passionate about trying to help people invest, especially beginners who've never done it before, I'm going to start a brand new account and start from scratch to take you through the whole process. So, let's not waste any more time and get this account opened. Right. Firstly, it's important to know that I need to use the right type of account if I'm going to do this properly. I've done a complete beginner's guides before on how to invest. So, if you're ever confused, don't forget that you can just go back on my channel and find those videos. Now, for us here in the UK, that account type is going to be the stocks and shares ISA. And the reason I'll use that is because anything I put into this account is going to be completely taxfree. There'll be nothing to worry about ever again. And even if this account becomes a 100k or even a million pounds, there'll still be no tax to pay or worry about. If you invest using an account like a general account, please do be aware that you could be liable to things like capital gains taxes or dividends taxes. If you're ever unsure of anything, please make sure you work with a qualified professional like an accountant or seek financial advice if you need it. That is something that I am not nor pretend to be. Now, there are loads of providers out there who offer a stocks and chairs ISA, but it's really important to say that not all accounts are made equally. The fees are all different, the investments they offer can vary, and there are loads of other things worth paying attention to. I've already made a video comparing some of the best stocks and shares ice providers, which goes into a lot more detail. And I've also created a handy spreadsheet where you can compare the different options. If you want to get hold of that, you can get a copy by scanning the link on screen now and putting in your email address. or you can find that link in the description below. I also keep all of the latest offers there as well for any opening of new accounts. Anyway, for this account, I'm going to use Lightyear. Now, I already use this company to invest some of my business cash and I've also got some extra money here in a general account. Now, the reason that I'm going to use them for this ISA is that there's no fee to open an account. There's no trading fees and you can also buy fractional shares, which is something that will come in very handy with the type of investment that I'm looking to buy. In short though, they're one of the lowest cost platforms in the UK right now. So, opening account is easy enough. You'll put in all the usual information as well as your national insurance number and you're pretty much good to go. The confusing bit for most people is what comes next as you then need to actually choose what to invest in. Now, for this account, I want to keep things really simple and all I want to do here is create something that I hope will deliver good returns in the long term. For me, my investing time horizon is in the decades. I'm 37 and I don't intend to need this money for at least 10 years, but in all honesty, it will probably end up being here a lot longer. So, to make sure I give myself the best possible chance to grow my money without taking on too much risk, there's no way I'm going to spend any time trying to pick lots of different stocks. One of the most important lessons I've learned through my own investing journey is that picking the right companies to invest in is something that even the professional investors get horribly wrong. Even if you think you're investing in a great company today, in a few months or years from now, all of that can be turned on its head. And in fact, most companies that have ever existed that you can buy shares of have either been acquired in some way or gone bust. With that said, I'm not suggesting at all that you can't pick some stocks on the side or have a play with some part of your own money. That's something that I allow myself to do with a small part of my portfolio. I think at the moment across all my entire net worth I have about 12% in individual shares, maybe a tiny bit more, but that always changes dayto-day. The majority of my own money at the moment sits in well-diversified index funds. And for this portfolio, that is exactly what I'm going to do. Index funds have completely changed the game for investors like you and me. And they've made things so easy to get started. Basically, if you've not come across them before, an index fund is something that pulls together lots of money from investors and uses it to buy shares in lots of different companies. By doing this, your money is spread across lots of businesses. So, if one were to go bust, you're not sitting there with nothing left. Now, there's loads of different index funds, and things can get really confusing. So, for this stocks and shares is I'm going to use an index fund that gives me the widest possible amount of companies and one that invests in companies from all over the world. And this will mean that I'll end up investing money into everything from Nvidia, Apple, Microsoft, and Amazon to Rolls-Royce and the National Grid here in the UK. Lightyear has got quite a lot of choice when it comes to index funds. And I know a lot of beginners will find this bit intimidating. But once you understand a bit of the jargon, it will all make sense. I'm not going to take up too much time going through all of the different things and that you should look for when choosing your own investments. I've gone over that in other videos. So, let me just take you to several options that I could probably pick from right now. On screen now are some of the global index funds that Lightyear offers at the time of making this video. These should be available on all most good platforms as well. All of them, in my opinion at least, are going to be able to do the job. But I'm going to be picking this one here. It's one of the most popular

### [5:00](https://www.youtube.com/watch?v=CBGJP2o8kiQ&t=300s) Segment 2 (05:00 - 09:00)

investments they have in their ETF section. It's got a nice low ongoing fee and I can buy this investment in fractions with the 200 that I want to invest today. Fractional investing is really useful as this means that you'll be able to invest all of your money rather than ending up with spare change. For example, if you wanted to invest £100, but this investment you want to buy is £85. Without fractions, you'd end up with one share and then £15 spare. But with fractional investing, you get to invest the whole amount of money. Believe me, it's so useful compared to how things used to be. Anyway, to get things started, I'm going to just deposit £200 onto the platform. And I can do that nice and easy using the easy bank transfer feature. There's also other options too if you want, but I find this one really easy. Once that money is in the account, I can then choose the investment I want and click buy, make sure everything looks good, and then place that order. Now, as I'm recording this, when the stock market is open, that order will go through straight away. So, I'm now the proud owner of this global index fund with my £200. It really is that simple to get started investing, which might surprise a lot of you if you're completely new. Now, this video is not sponsored, but if you also want to get yourself set up with the stocks and shares Iser on Lightyear, you can get yourself a free fractional share worth all the way up to £100 once you sign up and deposit at least £100 into your account. You do actually get the choice of what share or ETF you want and that will then get put into a general account for you. You can follow the link on screen here or use the link in the description as well. This is an affiliate link, but there's no additional cost to you. As usual, your capital is at risk. Terms and conditions do apply, and the value of your investments can go down as well as up. Anyway, the way I like to think about things like this is that I'm now the part owner of all of the biggest and best companies in the world. Even though it might be a small amount of money, I've put that money to work rather than keep it hanging around in cash. Now, I did want to mention a couple more things while I'm here. Firstly, I'm sure a lot of you out there are going to be thinking, how can you invest right now with everything going on in the world? And I totally understand where you're coming from. However, there will always be a reason not to get started investing. And as someone who's been doing this for a long time, there has never been a day where the world is perfect and everything is lined up. That's not how investing works, I'm afraid. And the longer you put things off, the harder it becomes. I've been out of the market many times before, tried to time the market, made all of the beginner mistakes, and it just didn't work. Then secondly, I'd also remember this point. The first amount of money that you put into the market almost doesn't really matter in a way. Even if you manage to somehow get a 50% return in one week, it's not like the extra 100 is somehow going to let you retire, you've really got to think about this for the long term here. And it's something that is much easier said than done. Now, one way that I try and help myself stay as a long-term investor is just to make sure that my investments are as automatic as much as possible. On Lightear, you can actually set up something called an investing plan, which allows you to invest every month, every week, or even every Fortnite on a day of your choosing. Other good platforms usually have something similar. And that's what I typically do for most of my other investing accounts. So, that's what I'm going to set up here. And I'll just have to make sure that I've got a standing order going in from my bank using their instructions. And then every month, I'll be investing into this fund. My investing plan will just be 100% into this global index fund. And if I ever wanted to have other plans sitting alongside it, I could do that in the future. You can obviously set things up however you like. I just like to have things like this. and I'm looking forward to seeing how I can get on in the first few months. By the way, you can do everything on their website as well if you prefer using a big screen rather than just using app. Anyway, let me know how regularly you'd like me to update this portfolio and make videos. I'll probably just do them once a month like I do for my other ones. I can give you some of my thoughts and analysis of what's going on, but then also just generally show you what it's like investing something like 200 pounds a month. Now, it's not going to be exciting. I can tell you that. But that is the reality of long-term investing. The whole goal here is just to see how far we can take it. And for me, it will be to invest for at least a decade or two in this ISA probably. For some inspiration though, if we use the past as a guide for the future, if you had invested, say, £200 a month in the last 20 years into a global index fund, that would be worth today around £115,520. You would have put in £48,200. Your gains would have been sat at £67,320. Now, there's obviously no way at all to know what the future holds, and there's always risk with investing, but there's also a big risk not doing anything at all because inflation eats up at the value of your money. Anyway, I hope you've enjoyed the video. If you need any more information on getting started investing, here's my beginner's guide, which you can find here. Or if you want a bit more information about some of the best ETFs that you can buy, check out this video over here. I'll see you in the next one. As always, happy investing.

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*Источник: https://ekstraktznaniy.ru/video/50510*