Andreea & Jamie | Stocks and Savings

Investing and personal finance tips 💷 Ft @bbc @financialtimes 📰 200k+ on IG 📸 *not financial advice*

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

“Investing is scary, what if I lose all my money?!😰”

The Vanguard FTSE All-World ETF contains over 3,700 companies from all corners of the world 🌍

It would take the collapse of civilisation to bring this to 0, & you’d have other things to worry about 😳

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

Our thoughts ⬇️

Thankfully, we’re not back in the Liz Truss mini-Budget period 😮‍💨

But political uncertainty can spill into financial markets - and eventually affect people’s wallets 💳

A lot now depends on how long this uncertainty lasts, and how it’s resolved.

Hope you found this explanation helpful! If you did, like this post 🙌🏻

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

Your mortgage rate could rise as a result of Keir Starmer’s leadership woes ⚠️

Here’s why, explained in plain English 👉

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

How it affects mortgages ⬇️

Government borrowing costs often act as a benchmark for wider borrowing costs.

So when the government has to pay more to borrow, it can push up borrowing costs elsewhere in the economy too.

That’s why lenders may charge higher mortgage rates - especially on fixed-rate deals ⚠️

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

And… that’s it!🙌

Many people think that you need to be a maths whizz to be a good investor 🤓

But investing is more akin to learning a new language - once you learn the terminology, you're halfway there ✅

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

Ever looked up "S&P 500" on an investing platform & thought WTF?😳

Like what even is "Vanguard S&P
500 UCITS ETF Dist. (GBP) (VUSA)"?😅

Well, let's break it down 👉

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

The alternative to "Dist" is "Acc", which stands for “accumulating”.

It means that any dividends paid will be reinvested automatically 🔄

6️⃣ GBP - this is the currency the fund trades in 🇬🇧

7️⃣ VUSA - this is called the "ticker
symbol" and is a unique reference code 🏷️

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

😭😭😭

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

A £400,000 mortgage is £2,300/month today.

A £400,000 mortgage was £1,600/month in 2021.

40% more a month for literally the same home, in the span of 5 years.

Crazy 😳

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

We know talking about this purely from a financial lens can feel uncomfortable.

But our aim has always been to help you navigate your finances - and global events like this can absolutely affect markets and investments.

So we hope you found this helpful nonetheless 🙏

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

- Investing Through War -

What we’re doing as the conflict in the Middle East escalates 👉

[Andreea & Jamie | Stocks and Savings @Stocksandsaving]

That doesn’t mean markets can’t fall further ❌

They absolutely can ⚠️

But volatility is simply the price investors pay for long-term returns.

So as always, we’re sticking to the plan 🙌🏻