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Lady Gaza posted:Got to be careful with Vanguard’s “rate of return” calculation. It shows mine as 29% but that seems to factor in monthly contributions. Excluding those brings it closer to 15% which is still good. Also, hello goons, I am also a UK investor goon who does not know what he's doing. Previously I just stuck stuff in 80% equity Lifestrategy, but now I'm branching out wildly and have bought some L&G Global Technology Index Trust I Acc. Help, the gambling madness has taken me!
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Dec 22, 2021 20:07
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| # ¿ May 22, 2024 18:22 |
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Ah that's really helpful, thanks. So 0.32% seemed ok but I am obviously looking at these things in far too simplistic a way, I suspect. It's been quite a while since I did proper reading on this stuff. My lifestrategy is I think 0.1% fees, obviously with significantly lower risk & lower likely yield. So the 0.32% for the L&G didn't look too bad in that context. However I suspect I'm working from a trustingly limited selection of funds. I actually couldn't see any passive funds that were tracking better than the L&G one, certainly not with that low level of fees. Though I suppose that should also be ringing alarm bells. I only dropped an initial £5k in it so far, everything else is on a lifestrategy at the mo. I'll have another more thorough look around next time I've some savings to put in.
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Dec 23, 2021 03:49
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This is definitely at the higher end of my risk tolerance, I am hoping to establish a decent spread though so some higher risk stuff seems like it should be OK. Given that I don't pay a fee to my broker individually for each of these funds I can be quite spread out without any extra costs it seems
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Dec 23, 2021 20:31
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Might be a stupid question but, anyone got any recommendations for what to do with savings whilst we teeter on the brink of a huge recession lol. I have a S&S isa and a non-ISA account as well with the same broker, all in a couple of L&G and Vanguard ETFs at the moment. They are not doing great, unsurprisingly given I invested the bulk in like December last year. I'd like to keep saving for a housing deposit but don't particular want to keep dropping stuff in ETFs if they are likely to tank even further soon. Then again maybe I am being an idiot trying to time things and should just drop the money in now and wait for the (supposedly) inevitable bounceback/resolution to the crisis/final collapse of society. Or maybe I should save in my 1.75% Tandem account lol.
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Aug 26, 2022 13:57
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I'm in the same boat, started putting savings into the 80% equity Lifestrategy and into an L&G global tech index tracker last year. Am down a fair ways maybe 10%. My assumption is that we're going to see further drop now that the interest rate hikes have been announced and everyone's basically accepted that we're heading for/in a recession that will go through a good portion of next year.
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Nov 4, 2022 13:01
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Anyone got any recommendations for pension funds? I'm self-employed and could do with reducing my taxable income by a few thousand to get under the mid income bracket. Advised that putting a bit into a pension would be the best way to go (and seems sensible anyway). Just interested in which provider charges the lowest fees and is likely to provide a decent return (if there is such a thing) in the long run
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Jan 22, 2023 23:25
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Thanks for the pension recommendation, will hit up the Vanguard next month. Wondering what folks here use to track their funds and other assets? Google Finance seemed to be helpful, I have a couple of stocks I follow there, but I am finding it stupidly difficult to find particular index funds on there. It sends a little performance summary notification at the end of the day which is nice. But I'm sure there must be better platforms out there.
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Feb 8, 2023 14:42
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I'm looking at London too. Been a while since I checked but for one or two bed flats you can get some pretty great stuff for 450k I think? And in decent locations.
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Feb 10, 2023 14:23
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Anyone have any recommendations for smartphone finance apps that are good at tracking index funds? I have looked at a few but it seems very difficult to find the funds I have shares in (an L&G global tech fund, and one of the Vanguard UK lifestrategy funds). Which seems weird to me but then again maybe most people don't track these things that closely. I would just like to have something that I can quickly check to see how my funds are doing - my online broker doesn't have an app and it's a bit of a PITA to go through their website's security each time.
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Jun 27, 2023 12:24
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Thanks for the responses. I think FT was the only one I'd found that would do what I was looking for, it's a shame they (I think?) don't have an app. Will sort out my profile on their website and hopefully that will do the trick. If not I'll look at google
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Jun 28, 2023 14:38
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Is it just a feature of index funds that brokers take a long time to deal in their shares? Or is this just a feature of my crappy broker (iWeb)? Seems strange that I ordered a sale of some shares early yesterday morning and nothing seems to have happened about it.
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Mar 21, 2024 20:25
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Pantsmaster Bill posted:It it’s a fund, they usually trade once a day at a certain time which is when the fund is valued.
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Mar 22, 2024 09:01
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Ah ok thanks. Still seems strange that the deal order is taking three+ days to actually be actioned, I guess this is just a side effect of using a broker that has no fee except a flat £5 transaction fee lol. edit: actually I forgot the request I made was for sale of some vanguard Lifestrategy shares, not the L&G - so definitely was for an index fund sell El Grillo fucked around with this message at 09:59 on Mar 22, 2024 |
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Mar 22, 2024 09:21
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| # ¿ May 22, 2024 18:22 |
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Pantsmaster Bill posted:So you’re mixing up some concepts here. I honestly only look at this stuff in any detail once every one or two years so I guess I have half-forgotten everything.
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Mar 22, 2024 16:52
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