Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Jimbo911
    • By Jimbo911 14th Jun 17, 4:17 PM
    • 21Posts
    • 3Thanks
    Jimbo911
    Investment Funds
    • #1
    • 14th Jun 17, 4:17 PM
    Investment Funds 14th Jun 17 at 4:17 PM
    I have 2 investment funds to choose from which I plan to put money into each month for the next 4 years.

    Any thoughts on which option is going to give me the best return? Option A or B?

    OPTION A

    UK Equities, 4.4%
    Global Developed Market Equities, 17.5%
    Global Multi-Factor Equities, 3.9%
    Global Small-Cap Equities, 2.3%
    Emerging Market Equities, 3.7%
    Global Property, 3.4%
    Commodities, 1.4%
    Global Corporate Bonds, 7.1%
    UK Corporate Bonds, 8.4%
    Gilts, 12.2%
    Index-Linked Gilts, 35.6%
    Cash, 0.0%

    OPTION B

    UK Equities, 7.7%
    Global Developed Market Equities, 30.4%
    Global Multi-Factor Equities, 6.7%
    Global Small-Cap Equities, 4.2%
    Emerging Market Equities, 6.8%
    Global Property, 7.1%
    Commodities, 3.0%
    Global Corporate Bonds, 14.9%
    UK Corporate Bonds, 2.9%
    Gilts, 3.2%
    Index-Linked Gilts, 13.2%
    Cash, 0.0%
Page 1
    • ischofie1
    • By ischofie1 14th Jun 17, 4:29 PM
    • 164 Posts
    • 129 Thanks
    ischofie1
    • #2
    • 14th Jun 17, 4:29 PM
    • #2
    • 14th Jun 17, 4:29 PM
    Option A has a bigger % of equities hence could be more volatile but likely to get you better returns long turn.
    All depends on your appetite to volatility/risk as to whether you go A or B but only you can answer.
    • dunstonh
    • By dunstonh 14th Jun 17, 4:32 PM
    • 88,858 Posts
    • 54,198 Thanks
    dunstonh
    • #3
    • 14th Jun 17, 4:32 PM
    • #3
    • 14th Jun 17, 4:32 PM
    Any thoughts on which option is going to give me the best return? Option A or B?
    The answer is option A. Or option B.

    You would like to think option B would give the best returns over 20-30-40 years. However, if under 10 years then it could easily be either option
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • ischofie1
    • By ischofie1 14th Jun 17, 4:32 PM
    • 164 Posts
    • 129 Thanks
    ischofie1
    • #4
    • 14th Jun 17, 4:32 PM
    • #4
    • 14th Jun 17, 4:32 PM
    Sorry got that the wrong way round.
    B has more equities.
    • eskbanker
    • By eskbanker 14th Jun 17, 4:39 PM
    • 5,332 Posts
    • 5,083 Thanks
    eskbanker
    • #5
    • 14th Jun 17, 4:39 PM
    • #5
    • 14th Jun 17, 4:39 PM
    For anyone thinking the question is being asked in a vacuum or wondering what the significance of the four years is, this would appear to be a continuation of OP's thread on the pensions board.
    • AnotherJoe
    • By AnotherJoe 14th Jun 17, 5:16 PM
    • 7,063 Posts
    • 7,537 Thanks
    AnotherJoe
    • #6
    • 14th Jun 17, 5:16 PM
    • #6
    • 14th Jun 17, 5:16 PM
    For anyone thinking the question is being asked in a vacuum or wondering what the significance of the four years is, this would appear to be a continuation of OP's thread on the pensions board.
    Originally posted by eskbanker
    ....... Except pointlessly asked with even less background as it appears the OP doesn't like the answers he got there.

    I would invest in option C. 100% HMWO. 100% equities.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

442Posts Today

5,246Users online

Martin's Twitter