Junior ISA which funds to consider?

[BoRED S2upid]

MikeKite said:

Mikee19 said:

MikeKite said:

"Fundsmith"

Why do you think this is?

Not sure I understand you.

Terry Smith

https://www.pistonheads.com/gassing/topic.asp?h=0&...

Of all the 1000s of funds available, I'm not sure why he is so popular.

Because of his track record perhaps? Steady earner over the years. My kids have both made 56% profit from Terry over the years.

[Royal Jelly]

bhstewie said:

If it's such a basic fact perhaps a good start would simply be to say "I'm a regulated professional so I'm limited in what I can say".

I have no idea why you guys insist on all the smoke and mirrors then act surprised when people think you appear shifty.

Absolutely. This nonsense is a recurring theme here, and has been for the last few years.

I can count on my testicles the number of IFAs that have been transparent enough to give me the confidence to not write them off immediately. One of them (and his company) is a sponsor of this sub forum. I’m sure others were knowledgeable, but as you say, bhstewie, they come across as shifty snake oil salesmen.

Fortunately for me, I’m in a jurisdiction with a very simple & kind tax regime - tax efficiency being half the battle.

FWIW, outside of my retirement account, I’m in (in proportionate order):
VLS100 (had to stop contributing when I left the U.K.)
Fundsmith
HSBC Global Equity
Vanguard US growth
Vanguard US large Cap

[I-A]

Hi All,

Re-igniting this thread as I am now looking to take some action!

What are you guys doing now in terms of Junior ISAs?

When I last looked into this, Vangaurd was the best option.

Any recommendations?

Thank you

[VR99]

I-A said:

Hi All,

Re-igniting this thread as I am now looking to take some action!

What are you guys doing now in terms of Junior ISAs?

When I last looked into this, Vangaurd was the best option.

Any recommendations?

Thank you

I am rather boring and wanted simplicity/a hands-off approach so as my son's JISA is with Fidelity it's all gone into Fidelity Index World P (Acc version)....cheap, reasonable performance IMO for its peer group of funds/ETF's....job done for now! If it wasn't that fund I would still stick with a low cost global tracker of some sort, my only rule of thumb is large funds only from well established institutions e.g: Vanguard, BlackRock, HSBC etc

[xeny]

VR99 said:

I am rather boring and wanted simplicity/a hands-off approach so as my son's JISA is with Fidelity it's all gone into Fidelity Index World P (Acc version)....cheap, reasonable performance IMO for its peer group of funds/ETF's....job done for now! If it wasn't that fund I would still stick with a low cost global tracker of some sort, my only rule of thumb is large funds only from well established institutions e.g: Vanguard, BlackRock, HSBC etc

Even if you're not with Fidelity, Index World P is pretty cheap to hold - I have some through iWeb .

£5 to trade and 0.12% annual fee. No emerging market exposure, but as I read somewhere, do you want to pay higher fees for increased exposure to wars and coups?

[richatnort]

I’ve got both my kids in the vanguard lifetime 90 at the minute and averaging about 7% for a year, only putting £50 + any birthday or Christmas money they get into it and so far I’m happy with it, they aren’t getting it until they’re 25 and want a house deposit I reckon.

[crookie]

Just looking to do some fund re-jigging (across various providers not just IM) and wanted to look at historical performance, but all funds are showing as blank on the website:



Can this be fixed so can better review and compare?

[simon800]

From the fairly well hidden factsheets on the website, as of end Jan 2024

Fund/1yr/3yr/5yr/10yr

Growth = 6.04% / 18.84% / 34.34% / 97.34%
Growth and Income = 5.07% / 13.52% / 26.32% / 80.98%
Income = 4.61% / 9.91% / 22.19% / 65.27%
Cautious = 2.87% / 1.24% / 14.87% / 45.18%
Defensive = 1.32% / -10.08% / -1% / 24%
Sustainable = 1.45% / 4.43% / 31.99% / NA

And for the sake of comparison (as of today so not like for like perhaps);

Global Equities = 18.6% / 39.2% / 80% / 221.4%
Vanguard LS 80 = 10.5% / 20.8% / 44.1% / 122.1%
Vanguard LS 60 = 8.5% / 10.8% / 29.5% / 87.8%
Vanguard LS 40 = 6.5% / 1.7% / 16.2% / 57.8%

[PM3]

https://www.intelligentmoney.com/portfolios ( scroll down to "FACTSHEETS" )

Personally I would compare the shown Vanguard stuff with IM's Index 100, 80, 60, 40 ,20

[CrgT16]

I kept it simple for my lad and went with a passive tracker…. Less earning potential but it probably works out similar average gains over 18 years.

[crookie]

simon800 said:

From the fairly well hidden factsheets on the website, as of end Jan 2024

Fund/1yr/3yr/5yr/10yr

Growth = 6.04% / 18.84% / 34.34% / 97.34%
Growth and Income = 5.07% / 13.52% / 26.32% / 80.98%
Income = 4.61% / 9.91% / 22.19% / 65.27%
Cautious = 2.87% / 1.24% / 14.87% / 45.18%
Defensive = 1.32% / -10.08% / -1% / 24%
Sustainable = 1.45% / 4.43% / 31.99% / NA

And for the sake of comparison (as of today so not like for like perhaps);

Global Equities = 18.6% / 39.2% / 80% / 221.4%
Vanguard LS 80 = 10.5% / 20.8% / 44.1% / 122.1%
Vanguard LS 60 = 8.5% / 10.8% / 29.5% / 87.8%
Vanguard LS 40 = 6.5% / 1.7% / 16.2% / 57.8%

Awesome, thanks for your help!

[AdamIM]

simon800 said:

From the fairly well hidden factsheets on the website, as of end Jan 2024

Fund/1yr/3yr/5yr/10yr

Growth = 6.04% / 18.84% / 34.34% / 97.34%
Growth and Income = 5.07% / 13.52% / 26.32% / 80.98%
Income = 4.61% / 9.91% / 22.19% / 65.27%
Cautious = 2.87% / 1.24% / 14.87% / 45.18%
Defensive = 1.32% / -10.08% / -1% / 24%
Sustainable = 1.45% / 4.43% / 31.99% / NA

And for the sake of comparison (as of today so not like for like perhaps);

Global Equities = 18.6% / 39.2% / 80% / 221.4%
Vanguard LS 80 = 10.5% / 20.8% / 44.1% / 122.1%
Vanguard LS 60 = 8.5% / 10.8% / 29.5% / 87.8%
Vanguard LS 40 = 6.5% / 1.7% / 16.2% / 57.8%

Well hidden. Simon, I’m surprised at the post
All factsheets are up to date. And vanguard 80-40 are to be compared to Im index. Facts matter

Edited by AdamIM on Tuesday 19th March 22:42