Discussion
By design they're all pretty much the same, you have to decide what you want to track!
FWIW I have...
HSBC FTSE250 tracker.
Blackrock Emerging Markets Tracker
Blackrock Ex Japan Equity Tracker
L&G International Index Trust
L&G UK 100 Index Trust
L&G Global Tech Index
I'm no Warren Buffet though and they're not exactly running away with anything at the moment.
Jupiter India is the best performer I've got YTD. In fact anything invested in India seems like a pretty good idea to me at the moment (that's not advice just an observation)
FWIW I have...
HSBC FTSE250 tracker.
Blackrock Emerging Markets Tracker
Blackrock Ex Japan Equity Tracker
L&G International Index Trust
L&G UK 100 Index Trust
L&G Global Tech Index
I'm no Warren Buffet though and they're not exactly running away with anything at the moment.
Jupiter India is the best performer I've got YTD. In fact anything invested in India seems like a pretty good idea to me at the moment (that's not advice just an observation)
mdianuk said:
Thank you, very handy. I'm just wondering if investing right now is wise, with the FTSE, DOW etc pretty much at all time highs! That is the stock market gamble I guess!
There is still a lot of cash out there waiting on the sidelines to buy out any major dips or anything in the major markets, the post Brexit malais showed that - I wouldn' be too concerned if you're just looking at whole market tracking. Some of the minor or emerging markets or specialist sectors are more of a risk. That said, who knows what tomorrow brings? But one is for sure procrastination doesn't pay, I wish I'd started taking more of an interest in my savings and pension many years ago and I suspect most people feel the same way.(There is a difference between this and gambling - I don't know what it is but there is a difference)
FredClogs said:
There is still a lot of cash out there waiting on the sidelines to buy out any major dips or anything in the major markets, the post Brexit malais showed that - I wouldn' be too concerned if you're just looking at whole market tracking. Some of the minor or emerging markets or specialist sectors are more of a risk. That said, who knows what tomorrow brings? But one is for sure procrastination doesn't pay, I wish I'd started taking more of an interest in my savings and pension many years ago and I suspect most people feel the same way.
(There is a difference between this and gambling - I don't know what it is but there is a difference)
Yep, I wish I had too. I've always put the maximum in my ISA (cash) every year, none of the wiser that with a sensible S&S ISA, I'd probably have about £50k more right now. Unfortunately my ability to understand the investment market has and still is putting me off. I set out with a plan to put aside half the cash ISA for a S&S ISA, via my bank using their own pre-defined packages; then the more I looked into it, it seemed that they don't perform all that well, leading me in to more risky index tracking funds etc. My head is now spinning so much that maybe I should revert to the original plan and see how it goes for a while. There are just so many damn options available!(There is a difference between this and gambling - I don't know what it is but there is a difference)
mdianuk said:
FredClogs said:
There is still a lot of cash out there waiting on the sidelines to buy out any major dips or anything in the major markets, the post Brexit malais showed that - I wouldn' be too concerned if you're just looking at whole market tracking. Some of the minor or emerging markets or specialist sectors are more of a risk. That said, who knows what tomorrow brings? But one is for sure procrastination doesn't pay, I wish I'd started taking more of an interest in my savings and pension many years ago and I suspect most people feel the same way.
(There is a difference between this and gambling - I don't know what it is but there is a difference)
Yep, I wish I had too. I've always put the maximum in my ISA (cash) every year, none of the wiser that with a sensible S&S ISA, I'd probably have about £50k more right now. Unfortunately my ability to understand the investment market has and still is putting me off. I set out with a plan to put aside half the cash ISA for a S&S ISA, via my bank using their own pre-defined packages; then the more I looked into it, it seemed that they don't perform all that well, leading me in to more risky index tracking funds etc. My head is now spinning so much that maybe I should revert to the original plan and see how it goes for a while. There are just so many damn options available!(There is a difference between this and gambling - I don't know what it is but there is a difference)
You can just buy a managed portfolio from them, but the charges are rather excessive ~1.5% where as my portfolio averages ~0.8% (including the 0.4% for the HL vantage platform). And I think I have a similar sort of spread - in fact you can view what's in there managed portfolios and replicate it.
You can always sell out and buy into something else or just leave cash in the account as well whilst you ponder. It can get quite addictive though, when the first thing you do when you wake up is check the prices you know it's time to have a week off.
I've just started reading how to become a millionaire the 9 things all school children should learn about investing (or something or other) thanks to a recommendation I spotted on PH. It's brought me around to it's better to start investing whatever I can now even if it's small rather than saving up a big cash pile then investing it. Now, I've owned some shares for quite a while now since I got hooked into the AIM market which have performed horrendously, If I'd have stuck into a FTSE all share or just some normal blue chips I'd be laughing all the way to the bank, but that's by the by!
Like the OP I now want to start 'investing' in managed/passive funds. I don't have any ISA's so I'd be setting one up, my main question is - if i set one up say via Harg Landsd can i invest say £100 a month into it quite easily? or do you have to chuck in big chunks at a time?
Like the OP I now want to start 'investing' in managed/passive funds. I don't have any ISA's so I'd be setting one up, my main question is - if i set one up say via Harg Landsd can i invest say £100 a month into it quite easily? or do you have to chuck in big chunks at a time?
lewisf182 said:
Like the OP I now want to start 'investing' in managed/passive funds. I don't have any ISA's so I'd be setting one up, my main question is - if i set one up say via Harg Landsd can i invest say £100 a month into it quite easily? or do you have to chuck in big chunks at a time?
From what I understand, you can start an S&S ISA with HL with either a lump sum, or a minimum of £25/month.Also reading the same book, though at one part he does say putting a lump sum in now works out better in the long run, but at this moment in time, with the ftse etc at an all time high, I'm not convinced now is the time to make a move unless into a managed or balanced fund.
I'm still learning, so maybe we can help each other along the way!
^ For HL I think you choose your wrapper then your method of investing, a chunk a month is one of the reasons why both Hargreaves and Lansdown are billionaires.
To that end, there are a number of threads about or discussing platforms at the moment that are worth you (& the OP) looking at, as HL are not the cheapest, although their service does appear good in comparison to others. Charles Stanley Direct (CSD) and YouInvest (AJ Bell) are others people here have, as well as the fiveraday thread, which has very good info from Ginge R about the sort of person investing like that is for.
I remember when I looked at HL's Wealth 150 a few years ago, and I couldn't work out why some funds were in it, and others that had performed much better than the ones they recommend in the same sector are still available (even through them), but are not in the 150...
I say again, both Hargreaves and Lansdown are billionaires.
To that end, there are a number of threads about or discussing platforms at the moment that are worth you (& the OP) looking at, as HL are not the cheapest, although their service does appear good in comparison to others. Charles Stanley Direct (CSD) and YouInvest (AJ Bell) are others people here have, as well as the fiveraday thread, which has very good info from Ginge R about the sort of person investing like that is for.
I remember when I looked at HL's Wealth 150 a few years ago, and I couldn't work out why some funds were in it, and others that had performed much better than the ones they recommend in the same sector are still available (even through them), but are not in the 150...
I say again, both Hargreaves and Lansdown are billionaires.
mdianuk said:
lewisf182 said:
Like the OP I now want to start 'investing' in managed/passive funds. I don't have any ISA's so I'd be setting one up, my main question is - if i set one up say via Harg Landsd can i invest say £100 a month into it quite easily? or do you have to chuck in big chunks at a time?
From what I understand, you can start an S&S ISA with HL with either a lump sum, or a minimum of £25/month.Also reading the same book, though at one part he does say putting a lump sum in now works out better in the long run, but at this moment in time, with the ftse etc at an all time high, I'm not convinced now is the time to make a move unless into a managed or balanced fund.
I'm still learning, so maybe we can help each other along the way!
So investing £100 a month via HL would attract fairly high commision is what people are saying? I'm yet to look into their services and the costs so that's the natural next step for me to research but you can't beat first hand experience.
The fiveraday thread is also something I've been watching so that may be a good route to go considering it's fairly small but regularly investments I'm wanting to make.
Croutons said:
^ For HL I think you choose your wrapper then your method of investing, a chunk a month is one of the reasons why both Hargreaves and Lansdown are billionaires.
To that end, there are a number of threads about or discussing platforms at the moment that are worth you (& the OP) looking at, as HL are not the cheapest, although their service does appear good in comparison to others. Charles Stanley Direct (CSD) and YouInvest (AJ Bell) are others people here have, as well as the fiveraday thread, which has very good info from Ginge R about the sort of person investing like that is for.
I remember when I looked at HL's Wealth 150 a few years ago, and I couldn't work out why some funds were in it, and others that had performed much better than the ones they recommend in the same sector are still available (even through them), but are not in the 150...
I say again, both Hargreaves and Lansdown are billionaires.
No doubt, there products and recommendations are designed to steer you in a specific direction that offers them the biggest gain, but I don't see any of the other brokers/platforms being any different, just the fees. I've put a small chunk of money in HL now, though I'm hesitant to allocate to any ftse/dow based funds at the moment as the charts suggest the prices might be slightly toppy (in my extremely limited experience!). That does unfortunately mean I'm tied to HL now for my S&S this year which I hadn't quite factored before clicking 'go'. Fortunately I have plenty of cash ISA money I can put anywhere without it impacting this from what I understand.To that end, there are a number of threads about or discussing platforms at the moment that are worth you (& the OP) looking at, as HL are not the cheapest, although their service does appear good in comparison to others. Charles Stanley Direct (CSD) and YouInvest (AJ Bell) are others people here have, as well as the fiveraday thread, which has very good info from Ginge R about the sort of person investing like that is for.
I remember when I looked at HL's Wealth 150 a few years ago, and I couldn't work out why some funds were in it, and others that had performed much better than the ones they recommend in the same sector are still available (even through them), but are not in the 150...
I say again, both Hargreaves and Lansdown are billionaires.
I'm going to either settle on a HL portfolio+ product and stomach the fees, or go all out investigating index and bond funds and do it myself.
Anyone care to make some recommendations based upon this split for me to research:
30% UK index
30% US/Global index
40% Bonds (UK/US)
The basis of the higher bonds percentage is two-fold; to mirror my age (almost), and because I feel the markets are a little toppy at the moment. The (sort of) plan of action is to introduce money slowly over the next 12 months (just in case I've hit the top) and unless adjusting the percentage levels, to review every 6 months by selling some of the more successful and buying more of the less successful to keep the balance right (or just add new funds in to those struggling).
(that is in theory my latest thought process anyway...changes by the second!)
Anyone care to make some recommendations based upon this split for me to research:
30% UK index
30% US/Global index
40% Bonds (UK/US)
The basis of the higher bonds percentage is two-fold; to mirror my age (almost), and because I feel the markets are a little toppy at the moment. The (sort of) plan of action is to introduce money slowly over the next 12 months (just in case I've hit the top) and unless adjusting the percentage levels, to review every 6 months by selling some of the more successful and buying more of the less successful to keep the balance right (or just add new funds in to those struggling).
(that is in theory my latest thought process anyway...changes by the second!)
Investing monthly seems the easiest way to me, balances out the highs and lows over the years, no one can time the market perfectly. Dumping a large sum in one go into stocks at his moment would be risky (in my amateur view) as US funds are costly in particular. Put away a sum every month with income reinvested or in accumulation units and you will gain over time, interest rates are still rubbish on cash.
mdianuk said:
I'm going to either settle on a HL portfolio+ product and stomach the fees, or go all out investigating index and bond funds and do it myself.
Anyone care to make some recommendations based upon this split for me to research:
30% UK index
30% US/Global index
40% Bonds (UK/US)
The basis of the higher bonds percentage is two-fold; to mirror my age (almost), and because I feel the markets are a little toppy at the moment. The (sort of) plan of action is to introduce money slowly over the next 12 months (just in case I've hit the top) and unless adjusting the percentage levels, to review every 6 months by selling some of the more successful and buying more of the less successful to keep the balance right (or just add new funds in to those struggling).
(that is in theory my latest thought process anyway...changes by the second!)
I have a similar approach, have a look atAnyone care to make some recommendations based upon this split for me to research:
30% UK index
30% US/Global index
40% Bonds (UK/US)
The basis of the higher bonds percentage is two-fold; to mirror my age (almost), and because I feel the markets are a little toppy at the moment. The (sort of) plan of action is to introduce money slowly over the next 12 months (just in case I've hit the top) and unless adjusting the percentage levels, to review every 6 months by selling some of the more successful and buying more of the less successful to keep the balance right (or just add new funds in to those struggling).
(that is in theory my latest thought process anyway...changes by the second!)
VUKE
VWRD
IGLS
Well I've finished the book so i've taken the plunge on Ginges fiveraday. Seems easy enough and the fees aren't too bad and takes a bit of stress out of it. Only starting with £1k and £200 a month but i'm 27 so it's a start!
Only trouble is i'm now struggling to find out how to log into my fiveraday account :/
Only trouble is i'm now struggling to find out how to log into my fiveraday account :/
mdianuk said:
lewisf182 said:
Well I've finished the book so i've taken the plunge on Ginges fiveraday.
Haha, I've read the book and gone a completely different direction. 
I'll monitor it for a year and see if I still feel OK with it. My first choice is property renovation so may have to move funds around as appropriate
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