Am I doing the right thing - Lindsell Train Global Equity

[gregs1959]

Jonny 70

This is where I am :-

Now split my funds up slightly.

£75,000 - Fundsmith. (Had 10,000 before moved a cash Isa in last month)
£27,000 - Lindsell Train Global Equity Class D.
£25,00 - Standard Life Inv Global Smaller Companies
£15,000 - Baring Europe Select.

£15,000 in cash Isa
£70,000 in NS&I
Few grand under the bed lol

Never previously put any Money in S&S always in cash accounts. Oh for the days when you could get 7% interest 🙏🏻

[XMT]

RanchoGrande said:

As others have said, spread for safety. Have a look at what happened to the Woodford fund recently, that'll inspire you to spread your risk.

My top 3 performing funds are as follows:

Standard Life Inv Global Smaller Companies 38.43%
River & Mercantile UK Dynamic Equity 24.87%
Baring Europe Select 23.31%

Lindsell Train is number 4 at 22.01%

Can I ask for some advise: At what time did you start to invest in these funds and how did you come across the information/research to suggest these might be good?

[98elise]

XMT said:

RanchoGrande said:

As others have said, spread for safety. Have a look at what happened to the Woodford fund recently, that'll inspire you to spread your risk.

My top 3 performing funds are as follows:

Standard Life Inv Global Smaller Companies 38.43%
River & Mercantile UK Dynamic Equity 24.87%
Baring Europe Select 23.31%

Lindsell Train is number 4 at 22.01%

Can I ask for some advise: At what time did you start to invest in these funds and how did you come across the information/research to suggest these might be good?

H&L Wealth 150 is a good place to start. you can see the performance over 5 years (click on the Annual % Growth button). All mine are from the list, spread across a number of sectors

http://www.hl.co.uk/funds/help-choosing-funds/weal...

[jonny70]

gregs1959 said:

Jonny 70

This is where I am :-

Now split my funds up slightly.

£75,000 - Fundsmith. (Had 10,000 before moved a cash Isa in last month)
£27,000 - Lindsell Train Global Equity Class D.
£25,00 - Standard Life Inv Global Smaller Companies
£15,000 - Baring Europe Select.

£15,000 in cash Isa
£70,000 in NS&I
Few grand under the bed lol

Never previously put any Money in S&S always in cash accounts. Oh for the days when you could get 7% interest ????

40% of your savings is in global funds (funds smith and lindsell global are very similar funds )
I would invest some in a Uk fund as well.

What do u hope to achieve with your savings ?(use them in retirement ?)

Do you have a pension pot ? / any investment properties ?
( ex If u don't and are planning on using your savings in retirement and were to be retiring soon investing most of your money in global funds may not be the smartest move if there was a stock market correction in next few years )

It's all about the bigger picture and what u hope to achieve !

[gregs1959]

Jonny 70

40% of your savings is in global funds (funds smith and lindsell global are very similar funds )
I would invest some in a Uk fund as well.

What do u hope to achieve with your savings ?(use them in retirement ?)

Do you have a pension pot ? / any investment properties ?
( ex If u don't and are planning on using your savings in retirement and were to be retiring soon investing most of your money in global funds may not be the smartest move if there was a stock market correction in next few years )

It's all about the bigger picture and what u hope to achieve !




Ha I have a great pension 😢😤😤 all £145.00 per month. Came out of them years ago and started investing in property. Semi retired now and able to enjoy decent standard of living from them alone.

So in answer to your question no I don't intend/need to spend the money in retirement, but never say never eh.

To be honest the thought had crossed my mind to suspend contributing £1000.00 month split between Fundsmith and HL Global Train
and put it into something else ?????

Yes I suspected naively the 2 funds were similar just thought would put similar amounts in both.

Fundsmith today showing me a - £1,900
HL Global Eqiuty + £250.00

Bigger picture anything more than a 1.5% increase and I'm better off than leaving in a cash Isa, although be nice 5% + due to the potential risk factor

Mark

[Digga]

jonny70 said:

I would invest some in a Uk fund as well.

^This. Look for something investing in small to mid size UK firms. I have a fund with this sort of exposure which has generally done well over last 10 years.

OP's other funds; Fundsmith, Lindsell Train etc. look pretty sensible IMHO.

[mondeoman]

Digga said:

jonny70 said:

I would invest some in a Uk fund as well.

^This. Look for something investing in small to mid size UK firms. I have a fund with this sort of exposure which has generally done well over last 10 years.

OP's other funds; Fundsmith, Lindsell Train etc. look pretty sensible IMHO.

Name?

I've got about £10k invested in global proprty equity tracker, short dated bond, and short term investment that have either flatlined or lost money in the last years, looking for a better home for that portion of my pot.

[Croutons]

Shame that last question wasn't answered, my Old Mutual smaller UK Co fund is still down after ~3 months, although that's a small timeframe I appreciate!

[FredClogs]

It's a good fund, smallish number of holdings in very good big companies, Disney, apple etc.. Etc.. I've got money in it.

But why would you:-

1) stick it all in one fund
2) pay HL 0.45% per annum to acces their "fund shop" and o Ly make one purchase.

?

Spread it.around.... Take some smaller company funds and emerging market stuff.

[M3333]

Any updates on this? I put a small amount into Lindsell global D and so far its performance hasn't been that good but I will leave it in there long term. I was looking at fundsmith but they have a large investment in facebook and I am not so sure about this at the moment.

I have say 15k in an ISA and would rather place this into a much better investment, does anyone have any ideas of a decent UK Equity that may be lower risk and give small but decent returns?

I am new to all this and it is depressing having some savings put away with most savings and ISA accounts giving pitiful returns.

[CaptainSensib1e]

M3333 said:

Any updates on this? I put a small amount into Lindsell global D and so far its performance hasn't been that good but I will leave it in there long term.

On an absolute or relative basis?

Marketrs overall haven't had a great run in the last 6 months or so, so a lot of funds are showing a loss over this period.

[Digga]

mondeoman said:

Name?

Old Mutual UK Mid Cap

Croutons said:

Shame that last question wasn't answered, my Old Mutual smaller UK Co fund is still down after ~3 months, although that's a small timeframe I appreciate!

Sorry, I'd missed the original question!

As for funds not doing too well, as CaptainSensib1e said, nothing is really right now. I minded to listen to my IFA's advice of not looking too often, although that's proved impossible when I've seen the moves on the indexes and, as it turns out, my funds . (About 7% down in spite of three month's contributions!) Sticking with it though.

Edited by Digga on Monday 16th April 13:53

[p_k_n]

I found this thread informative when I was planning my investments last year so thought I would reply to it rather than creating a new one.

I'm topping up my SIPP with a lump sum this week and am currently researching funds and stock. Fundsmith and Lindsell have done the best for me YoY so will buy into them further.

Anyone else researching funds and stock at the minute? Any recommendations for the year ahead? Looks like it will be turbulent but with a SIPP I suppose fretting about when to buy isn't that important as it will be 20+ years before I can access it.

[Derek Chevalier]

p_k_n said:

Any recommendations for the year ahead?

Research whether picking "hot" funds is the optimal approach.

[gregs1959]

Update from me .......

Up date from me.....

Carried on investing and increased my premiums from April 2018. Was at one time £32,000 up on my/wife portfolios. Fundsmith and Lindsell Train was doing fabulous followed my standard life global smaller companies. Then before Christmas boom.....🤢🤢🤢was down to about + £6,000.

Markets recovered in Jan/Feb and due mainly to Trade Wars with America /China pulled most of my/wife’s investments out apart from £15,000 in Fundsmith. ( should have left it all in as it’s continued to increase from middle February) and £4,000 in Lindsell Train.

Still did ok +£25,000 that’s over 18 months. Fundsmith No 1 and closely followed by Lindsell Train.

Didn’t realise withdrawing from fundsmith I would loose my previous Isa’s allowance 🤢unlike Hargreaves Lansdown where it’s been withdrawn but in a holding account still sheltered.

So now I’m torn what to do and when to do it. Fundsmith and Lindsell Train continue the steady march on .......

[Ridealong]

I too invested in Lindsell Train Global Equity, some other funds that I got at the same time are doing better....

AXA Framlington Global Technology class Z ocf 0.83%
Legal & General Global Technology Index class I ocf 0.32%
Legal & General US Index class C ocf 0.06%

I have quite a few L&G funds as the ocf are quite low, that's one of the things I look at now when choosing a fund to invest in, also looking at investing away from HL platform as their ocf is 0.45%.

[lockhart flawse]

I also have a fair holding in both Fundsmith and LTGE. Question now is whether they will continue same level of performance and the answer is often no but I see no reason right now to take anything out of either. I invested in Smithson when it opened last year which complements the other two and am interested in Blue Whale.

[Derek Chevalier]

lockhart flawse said:

I also have a fair holding in both Fundsmith and LTGE. Question now is whether they will continue same level of performance and the answer is often no but I see no reason right now to take anything out of either. I invested in Smithson when it opened last year which complements the other two and am interested in Blue Whale.

Do you understand, and are happy with, how they derive their returns? Manager skill/alpha is unlikely to be the answer

[ukwill]

I would imagine that most people invested in Fundsmith and LTGE are relatively happy with their returns.

[Derek Chevalier]

ukwill said:

I would imagine that most people invested in Fundsmith and LTGE are relatively happy with their returns.

As I'm sure people were with Woodford.