FTSE100 tracker

[Ari]

Yes not too worried about it, other than the slight frustration of having been able to buy more with the same amount if I'd waited a couple of months. But then who knew? Could have gone the other way.

I haven't done anything to diversify from the FTSE100 tracker yet, simply because I haven't had the spare money to do so, but I do intend to - probably a world tracker. Currently it's just the direct debit £250 dripping in to the FTSE100 at the beginning of each month.

[Ari]

It's recovered a bit, my loss has reduced to -£298.90 which is a personal rate of return of -5.36%.

Whether it's a blip or a trend remains to be seen. Hard to know which is preferable, if it keeps going up I should eventually get back into profit which feels better, but I've no intention of 'cashing it in' and the lower it goes the more I get for my money with each buy in, which is of course preferable long term.

Anyway, not that it matters what I want, it'll do what it'll do. I shall keep watching and investing.

Edited by Ari on Tuesday 10th April 14:15

[Ari]

I've also decided (as several on here have advised) to open a global tracker using my Vanguard platform. There are many to choose from.

This seems to fit the bill I think, any thoughts?

Vanguard Global Equity Fund
https://api.vanguard.com/rs/gre/gls/stable/documen...

[Ari]

1TurboTom said:

That is an active fund, holding only 201 stocks, is that what you want?

I don't know..!

1TurboTom said:

The FTSE Developed World ex-U.K. Equity Index Fund, holds 2014 stocks so spreads risk better and has smaller charges.

Also look at the FTSE All-World UCITS ETF (VWRL).

Or you could build you own, taking funds,ETFs from each geographic area giving you a bit more control, I use this method.

Great advice, thanks.

[Ari]

bhstewie said:

If you want a global tracker and you're limited to Vanguard you could look at FTSE All-World UCITS ETF (VWRL)

Another vote for the FTSE All-World UCITS ETF (VWRL). Interesting, thank you.

[Ari]

Fair enough, I'll take that!

[Ari]

Just bought £200 worth to begin with (high finance, I know!).

Interestingly the 'order type' is showing as 'AtBest' rather than the usual 'single' for one off buys or 'regular' for the direct debit I have set up on my normal FTSE100 tracker. Any ideas?

[Ari]

Interesting. The FTSE100 buys seem to happen overnight on the day of the order (provided it's not too late) so it will be interesting to see when this one happens.

[Ari]

Ah, okay thanks. I have lots to learn!

As of this morning it's still showing 'pending'.

And my FTSE100 tracker loss is down to -£233, a -4.21% return on investment, about the best it's been since it all went south thirty seconds after I put £5,000 into the fund in January!

[Ari]

The 'buy' has completed but at £178.45 rather than the £200 I put down (the rest hasn't disappeared, it's in my 'Available cash' part, which is where I put money initially and then buy with).

Odd. Still, it'll be interesting to see how this one does, particularly compared to the FTSE100 tracker (and will add to it regularly - hopefully!)

Ooh, in fact apparently it's made £1.04 profit! I shan't get too excited though, the FTSE100 tracker was going up for the first few days before it tanked!

[Ari]

gazza5 said:

So the book arrived can't remember if it was this thread or the 26yo investment ideas one.

Good holiday read no doubt in between playing in the pool.

I have also invested in FTSE100 - my first fund bought was FTSE 100 - then about 3 years ago, I started getting USA, Worldwide, Asia, South America (very small holding south america - quite volatile).

It is a mindfield, especially when you look at all the funds products avaliable, I use Hargreaves Lansdown (some hate some love).

How are you doing?

[Ari]

My FTSE100 tracker loss is down to £72.50 (from a high, or low technically I suppose, of over £500) and the FTSE100 is climbing. If it keeps going, today could be the day I finally break even (although I won't find out until tomorrow because it seems to calculate and update the web site very early in the morning)!

FTSE All World is up 2.61%, so I'm £3.83 ahead on that one (bringing my loss down to £68.67).

Exciting times.

[Ari]

So close!

Personal rate of return -0.03%

Change -£7.79

Of course in reality there are dividends accruing (not much, but more than £7.79 I'd hope) so technically I am back in the black. Be nice to see it though.

My All World Tracker has made £6.35 on my £178.45, 2.62% in 15 days.

Long term, I know, but fascinating all the same.

[Ari]

Actually the All World result is a bit odd, given that yesterday it was showing 2.61% for £3.83...

[Ari]

I'm just not sure how the amount can double but the percentage stay virtually the same...

[Ari]

It says 'dividend schedule - quarterly', but I'm not sure when that's from (when I invested, or just every three months from the beginning of the year).

This is it: https://www.vanguardinvestor.co.uk/investments/van...

[Ari]

Ari said:

So close!

Personal rate of return -0.03%

Change -£7.79

Of course in reality there are dividends accruing (not much, but more than £7.79 I'd hope) so technically I am back in the black. Be nice to see it though.

My All World Tracker has made £6.35 on my £178.45, 2.62% in 15 days.

Long term, I know, but fascinating all the same.

I'm a pillock! Just had a look to see whether today's slight uplift had gone in yet and realised that actually, I'm already back in profit!

The £7.79 is a positive, not a negative, and the return is +0.03%

If I had brains I'd be dangerous...

Anyway, jolly good news! Might all change tomorrow but it gives me a little more confidence that the swing works both ways.

[Ari]

xeny said:

Ari said:

it gives me a little more confidence that the swing works both ways.

The next step is realising the best time to put money in is when it looks as if the swing is only the wrong way.

The final step is getting the mental strength to put money in at that point.

It was doing that in March that has helped me to recover from putting the bulk of it in at the peak (so far) in January.

Currently £155.20 up on the FTSE100 tracker, plus £9.22 up on the £178.45 that went into the World Tracker. Need to top that one up some more at some stage but it's been an expensive couple of months...

[Ari]

I guess the value settles pretty much at the point whereby broadly there's an even split between those who think it has scope to go up and those that expect it to fall.

After all, if everyone expected it to rise, everyone would be buying and the price would increase until it balanced, and if everyone thought it would go down they'd sell and the price would drop till it balanced.

So at any one point it really is like betting on a coin toss, except that the trend over many years is to rise, plus you're getting dividends as you 'bet' on it.

Anyway, I've ended the week 4.3% (£212.18) up in total, which is a terrific return over six months or so, albeit it might all go wrong again shortly! (That doesn't include any dividends, I've not seen any yet).

Plan remains to continue dripping £250/month into the FTSE100 tracker, but put any extra into the World tracker.

[Ari]

I've been watching it a bit this last week or two, as very curious to see how its going after my rather inept start.

It is fascinating to watch its daily progress, driven presumably by the 'money men', those clever bankers and stock brokers.

Typically the thought process seems to be - FTSE100 opens, it's worth more than yesterday, lots more! No, wait, no it's not, it's not even worth as much as yesterday, nothing like..!! Hang on, no, no, it's worth the same as yesterday, same, same plus a bit, same plus quite a lot... aaand we're closing ahead!

I'm not sure whether it's driven by braying yuppies on the stock market floor like we see in the movies, but if it is, they're idiots!