first a shout out to our video sponsor invest engine with invest engine you can build a portfolio of fractional etfs for free just set the percentage allocation for each etf and you're done say goodbye to spreadsheets and rebalancing your portfolio is as simple as a couple of clicks invest engine also offer a managed service at just NUMBER_TOKEN per year the lowest we've seen and new users to the platform will receive a NUMBER_TOKEN pound welcome bonus if you use the link on the money unshackled offers page linked to in the video description below getting to NUMBER_TOKEN grand a recap the first NUMBER_TOKEN grand of my freedom fund was built over five years mostly from cash contributions from salary savings and from home equity release on my house together that made up around two-thirds of a portfolio's value actual returns from my investments contributed the other third of the value to that initial portfolio in the early stages of your freedom fund's life your contributions from your salary will have far more of an impact than your returns on investment enormous percentage returns don't really matter all that much at this stage a NUMBER_TOKEN return on one pound is still just NUMBER_TOKENp you will be able to grow your portfolio at a steady rate just by adding new cash why the next NUMBER_TOKEN grand needs a new approach soon those monthly contributions from work will become almost inconsequential in fact right now i'm barely adding anything from my salary for money and shackled and my portfolio is still growing fast under its own weight simply from compounding cash flow from rent payments on my properties goes into the stock market and the market values of the properties and the shares are growing like mushrooms new money from your salary will be a nice little extra boost at this stage in a portfolio's life but it's not a requirement if your investing returns are high enough we can demonstrate this nicely using the early retirement calculator on URL_TOKEN if we assume this mix of assets with these returns which includes a NUMBER_TOKEN leverage return from investment property which we've shown many times on this channel is a reasonable return for landlords then your route to wealth over the next NUMBER_TOKEN years breaks down like this see those blue bars down there those have a cumulative build up of NUMBER_TOKEN NUMBER_TOKEN monthly contributions from salary the entire rest of the growth in this portfolio is from investment returns which hit NUMBER_TOKEN million pounds after NUMBER_TOKEN years and go mental if left to grow longer term left to grow in index funds or etfs without any further contributions or effort NUMBER_TOKENk would still get me to NUMBER_TOKEN million pounds but less quickly etfs will always be a major part of my portfolio but i will need to pull all the levers that i've learned about during my investment career to maximize my returns to get me to NUMBER_TOKEN million pounds in under NUMBER_TOKEN years what's in our toolkit there are four main components that we consider appropriate for building a freedom fund these are one contributions from salary or other earned income two cash from extracting equity from your own home three index investing in the stock market this is our bread and butter and we'll use etfs held in stocks and shares isis and sips and four leveraged investments in both stocks and property to grow rockstar wealth in under NUMBER_TOKEN years i'll need my salary contributions isis and sips to be supported by the power of home equity release and very importantly by leveraging leveraged investment property already makes up a significant chunk of my portfolio going forwards leveraged stock market indexes will do too the plan the following is based
START_SPONSOR_TOKEN first a shout out to our video sponsor invest engine with invest engine you can build a portfolio of fractional etfs for free just set the percentage allocation for each etf and you're done say goodbye to spreadsheets and rebalancing your portfolio is as simple as a couple of clicks invest engine also offer a managed service at just NUMBER_TOKEN per year the lowest we've seen and new users to the platform will receive a NUMBER_TOKEN pound welcome bonus if you use the link on the money unshackled offers page linked to in the video description below END_SPONSOR_TOKEN