 Today, I'm going to show you what I think, in my opinion, is the best way for any beginners or experienced people or people that are just wanting to dabble in the stock market to get involved. Super easy, super low risk, super low maintenance, super low cost. And I think that's everything that people really care about to be honest with you. So what I'm talking about is a Vanguard stocks and shares isa to be more specific. So the isa part is going to be relevant to the UK. I know that Vanguard's available in the US. I'm not sure about the rest of the world and Europe to be honest with you. I'm sure it would be available. I think it's like the largest index fund service in the world. So yeah, I'm sure you have to look into it for where it's relevant to you. But for this video, I'm going to make just a few quick assumptions. So I'm going to assume that, first of all, you know how to set up an account with Vanguard stocks and shares. I suppose what I'm using, you can just have a general investment account if need be. And I'm going to assume that you have a vague understanding at the very least of what an index fund is or a fund is. It's just basically like a group of stocks that have all been bundled together or a group of investment assets that are all pulled together. And that will give you a fund. So with that being said, let me show you what I think is the best fund on Vanguard for beginners, in my opinion. Obviously, you can disagree. That's fine. So what I'm talking about is the Life Strategy 100% equity fund accumulation. That's what I've been using since like 2014. Never had any complaints. Let me just break it down for you really quickly. With the Life Strategy, you can get anything between 20 and 100% equity, which basically means between 20 and 100% stocks versus bonds that describes the split between stocks and bonds. So I don't have any bonds because I'm risky and balls to the wall. And you get the best returns with it. If you're a little bit more tentative, then you can go for something like lifestyle 20% equity fund. They're all accumulation. So accumulation just means that it will reinvest the dividends for you automatically. So dividends are the profits that companies pay you nice and easy. You don't have to worry about anything. As soon as you get dividends, they just reinvest it and everything is hunky dory. The reason I'd go for this over choosing another fund, if I'm just starting out, is because if we have a look at something like the developed world cap index fund. In fact, let me let me go have a look at our full list of funds so I can show you guys. So here's all Life Strategy. So that's 20% equity, 40% 60% 80% 100% etc. So you can see it's aggressive, aggressive, moderate, moderate, moderate, cautious. I'd always recommend that people go aggressive. But I mean, I'm not a financial advisor. And that's just my preference. So that's what I'm going to tell you to do. I would never tell you to do something I wouldn't do myself. But if we go to let me find it real quick. So this is why I would suggest using the Life Strategies instead of something like this is because if you have a look at the portfolio data, you can see excuse me. So you can see that the ESG world cap is invested in individual stocks, right? So Apple's 4%, Microsoft 3%, Amazon 2%, etc, etc. Right. And so what you'd have to I mean, you could just invest in this, right? But if you wanted like a good exposure and that kind of stuff have a balanced portfolio, you'd have to go through and you'd have to pick like the global equity and then you'd go to like the FTSE 100 and then there's a Japanese stock market and S&P 500 and all that jazz. What the Life Strategy Fund does 100% equity is what I'm going to show you for reference is it will take all the other Vanguard funds and put them in one big fund for you. So you get proper exposure, diversification and all those long words that you want to hear when you're investing. So portfolio data. So you can see that and you can invest in all these funds individually on Vanguard, but this just compiles it all into one fund for you. So you just one purchase, you just go invest now, BOSCH, put it in your basket, buy it and then you're away. You can see the distribution. So 20% in the US equity market, FTSE UK all share index is 20% or 19% blah blah blah. So that's that in terms of returns it does quite well. I'll just go on here show you a detailed look. So you can see that in the year 16 to 17 it did 33%, 17 to 18, 6.92, 2.3, 5.83 and 15.54. So returns are pretty good in my opinion. You can see if you go for like a higher bond percentage, so this would be 80% bonds is 20% equities, 20 equity just means stocks, then the returns are a little less impressive, but they're a little bit more consistent, I guess they're not all over the place, but I would rather go for high volatile returns and low consistent ones. But that's just me. And yeah, I mean if you just want to jump on Vanguard and browse the funds you can do that as well, just go on here, go on a detailed view and you can see the returns and all that kind of stuff. You can see some of these more like high risk ones like emerging markets and that sort of stuff, have big returns, they also have some losses. So it all depends on your risk tolerance, but as I say, as a beginner starting out, open the stocks and shares I start with Vanguard diligently put money away in the lifestyle 100% equity fund every month when you get paid and thank me later I guess. The fees are 0.22%, which is practically nothing in the grand scheme of things. So I hope that was helpful. I think that's everything covered for now. If you have any questions, feel free to drop them in the comments or you can reach me on Instagram at Mark Freeman official. I love the official. Kind of cringes me out a bit, but it is what it is. Same on TikTok and I don't know if it's the same on Twitter, but you can reach me on Instagram and I'll always reply. So yeah, that was helpful. Give it a thumbs up, subscribe, tell your friends, share it with everyone. Hopefully it makes you rich and I will catch you guys in the next one.