Hi Steve.
Sounds like a plan. The only pointer Iād give is to make sure you have enough cash for unexpected emergencies etc.
And if youāre looking at a 10 year minimum timescale (absolutely the right thing to do), then youāre investing, not trading (in my opinion).
Cheers and best of luck
This has probably been asked elsewhere but I canāt find it. Does anyone know the tax situation with a German stock on the dividend payments, if itās going into an ISA? Something is ringing a bell that something is taken off at source regardless of the fact itās going into an ISA. Hoping someone can keep me right with this. Thanks
Not a direct answer to your question Iām afraid and my information is also at least 20 years old but when I lived in Germany I know that they didnāt recognise the tax free status of ISAs, even though said ISAs were in the UK and had nothing to do with Germany. Therefore my hunch is that you will find your German stocks will be subject to tax irrespective of whether they are in your ISA or a GIA.
@1anrs @samtuckett thank you, I knew it was something quite hefty. Think Iāll stick with my UK and US investments for the dividends.
Hi all, couple of questions, any suggestions on how to avoid too much ETF cross over and are there any crypto specific ETFs for non plus members? Iām still deep in the learning phase so any responses greatly appreciated 
26.375% on German dividends 
There arenāt any specific crypto ETFās as they arenāt currently allowed to be sold to retail investors here in the UK. The nearest thing possibly could be one which the underlaying assets would be based around companies in that sector (eg. miners, etc), this may not be what you want though.
Regarding minimising cross over, itās worth having a read though of this topic:
A good bit of useful information and ideas - as always though, do your own research.
@JimmyJ is right, this thread in brilliant. It might seem a bit technical at times but if you take your time and google phases youāre not 100% on youāll have a much better handle on your investments afterwards. Throw up some questions when you have them we might all learn something!
Hi, so still reading, learning and watching videos and Iām looking at starting with a range of ETFs that reinvest as Iām not bothered for a dividend. Iāve got these so far and Iām intending an equal split of initial investment and each will get a monthly lump for approx 10 years (taking me to age 62) S&P 500 (VUAG), FTSE 250 (VMIG), FTSE EM (VFEG) & MSCI Europe (SMEA). This is still a draft plan so Iād welcome any thoughts. Just to add this will all be funded by disposable funds Iād like to work harder, Iāve already got a very good company pension. Cheers Steve
Just my thoughts but I started out not caring about dividends either. Having invested throughout some pretty bad world situations over the last 6 months, the shares which have paid dividends have kept me going. Just something to consider, as if things take a dip again you might end up really wishing you had some dividend income.
Have you though about adding any exposure to Asia, South American, China or India?
I have but still unsure which geographical zones to cover which needs more research, I did consider just going for a smaller investment into an accumulating all world ETF but want to avoid too much cross over. Iām enjoying the research though but you can get yourself into some real rabbit holes if youāre not careful!
Oh the rabbit holes are real. You could always go with a global etc like VWRL and then pick areas youād like to overweight your portfolio with regional ETFās. Just keep an eye on the on going costs.
VFEG/VFEM have fairly good exposure to China (33.3%)/India (16.6%), has some exposure to Brazil (6.6%) as well - Vanguard Asset Management | Personal Investing in the UK
Asia, as a wee pointer which is probably one of many ways to do this, my personal choice was VAPX along with a Japan specific ETF (SJPA), should cover the main Asia equities without overlapping China/India etc
Though you do get some overlap with Hong Kong in VFEG as well - Vanguard Asset Management | Personal Investing in the UK
S&P 500 being the glaring stand out miss for me.
Does anyone know how the P/E ratio is calculated on FT?i always get confused by it 
I havent worked that out yet 
only on when sold shares! Tbh my portfolio is down by a few grand but some stocks was maybe bad investments or a long term,
Mainly ISA stocks are divs now so concentrating on them. Mainly now
Annoyingly I canāt remember where I heard it, but a PE ratio of between about 14 and 21 is seen as generally the ideal for a company, it means that the share price suggests reasonable confidence in the company while at the same time not being over-valued. However, as it says in Neilās comment, PE ratio can be misleading and is not to be taken as gospel to the isolation of everything else. A low PE ratio could mean either that a company has great potential for growth, or it could mean itās going to perform poorly. Similarly, a higher PE ratio doesnāt necessarily have to mean that the company is over-valued. Amazonās 45 PE ratio and Teslaās 95 are high due to the fact they are popular and people want to buy that stock more than the stocks of other companies with more reasonable ratios.
