What funds for Stocks and Shares ISA

[elise2000]

Hi all

Thinking about sticking this years isa allowance in a stocks and shares isa. Likely a Halifax one as there’s a local branch and I have their credit card.

Any recommendations for what to invest in? Looking for a balance of safe/medium/high risk.

Thanks in advance

[GT03ROB]

What other. Investments do you have. If nothing a simple global tracker would be as good as anything else.

[elise2000]

GT03ROB said:

What other. Investments do you have. If nothing a simple global tracker would be as good as anything else.

Thanks.

None at present (aside from properties and business related things). Maxed out premium bonds on the off chance. If nothing decent winnings wise with these in the next year at most will move these elsewhere.

[leef44]

Try this thread for some guidance.
https://www.pistonheads.com/gassing/topic.asp?h=0&...


Basically the popular ones are global diversified ETFs (exchange traded funds) with low service charges. The popular ones are Vanguard, BlackRock for iShares, and Hargreaves Lansdown.

For a more bespoke personal approach Intelligent Money (the thread host) offers their own packages which is similar to the above but for a higher fee. The PH customers feel they get value for money from them because of the personal approach.

Typical ideas:
Vanguard Life Strategy 100 (100% equity) at around 0.45% p.a.
BlackRock iShare Core MSCI World UCITS eft, around 0.25% p.a. (or thereabouts)
Hargreaves Lansdown has the Vanguard one which I think is a similar fee if kept in a SIPP, or could be slightly higher fee.

ETA: Intelligent Money is 0.87% p.a.

[elise2000]

leef44 said:

Try this thread for some guidance.
https://www.pistonheads.com/gassing/topic.asp?h=0&...


Basically the popular ones are global diversified ETFs (exchange traded funds) with low service charges. The popular ones are Vanguard, BlackRock for iShares, and Hargreaves Lansdown.

For a more bespoke personal approach Intelligent Money (the thread host) offers their own packages which is similar to the above but for a higher fee. The PH customers feel they get value for money from them because of the personal approach.

Typical ideas:
Vanguard Life Strategy 100 (100% equity) at around 0.45% p.a.
BlackRock iShare Core MSCI World UCITS eft, around 0.25% p.a. (or thereabouts)
Hargreaves Lansdown has the Vanguard one which I think is a similar fee if kept in a SIPP, or could be slightly higher fee.

ETA: Intelligent Money is 0.87% p.a.

Thanks v much- will take a look

[bitchstewie]

Give some thought to your appetite for risk.

If you put in £20K in one go and come back to it in a week or month or six months time what sort of amount would you be prepared to see it have dropped by?

Be really honest with yourself about that as the answer you think it is might be different when it's actual money.

[xeny]

elise2000 said:

Hi all

Thinking about sticking this years isa allowance in a stocks and shares isa. Likely a Halifax one as there’s a local branch and I have their credit card.

Check the fee structure isn't too winceworthy before picking them because they are convenient. Say equities return an average of ~8%. Say inflation is 4%. 1% fees are suddenly 25% of your real investment return.

[RammyMP]

I’ve had a Vanguard stocks and shares ISA for about a year, its up by about 5% at the moment but does fluctuate. There are various funds to choose from, I’ve got 5 different ones. The website is easy to navigate and fees seem fairly low.

Don’t know if this will be any use: https://www.moneysavingexpert.com/savings/stocks-s...

[C69]

elise2000 said:

Likely a Halifax one as there’s a local branch and I have their credit card.

You might find that the Halifax S&S ISA has to be managed entirely online, so having a branch nearby could be irrelevant. Halifax's fixed charge per annum doesn't look too bad (depending on how much you intend to hold), but consider its dealing fees too.

[Avenicus]

Vanguard mix here with about £80k - very easy to view performance history and risk before deciding