Which other fund/tracker should i add?

cashbackproblems

Hi guys

Im currently investing monthly amounts in the below funds long term and thinking of adding another to the list at £100p/m through HL. Currently all these have high charges so thinking of going for a HSBC tracker..is this a better choice? Willing to take some risk and holding 5yrs+.

Aberdeen Emerging Markets
Accumulation Shares

CF Ruffer Total Return Fund
O Accumulation Units

Invesco Perpetual High Income
Accumulation Units

JPMorgan Natural Resources
Accumulation Units

Neptune Russia & Greater Russia (down a lot - 20%!!).
Class A Retail Accumulation

dunstonh

Before you look at charges, look at where you want to invest. Otherwise you can end up in the situation where you earn 5% after a 0.1% charge compared to 7% after a 1.5% charge.

Willing to take some risk and holding 5yrs+.

The list ranges from relatively low risk to very high risk. So, what do you want?

Lokolo

I dont know the details of your funds but you dont have much exposure to europe or usa.

Totton

Troy Trojan is a decent fund, perhaps dull but good for the times we are in and could add some stability to those other funds :-)

HTH,
Mickey

cashbackproblems

dunstoh: your right, but on average do trackers generally not perform the same as managed funds and with less volatility so the charges means a tracker you pay less, but i know you get big gains with managed funds. However i dont really know what a TER charge of 1.5% pa really means in money terms as iv only been investing in funds for 1yr. Im prepared to take moderate risk, having been burnt in a few AIM companies (and holding BARC at an average of £3.50) im being abit more cautious!

Lokolo: this is correct but the USA i dont have any confidence in, iv considered the HSBC Europe tracker ..is this the best one? I also hold shares in UK companies like VOD, Aviva, Barc, GE.

Totton: I have heard of Troy Trogan on here and risk profile looks similar to CF Ruffer, is it considered a "safe" fund, are there any websites which give a simple rating? I find trustnet too complicated to go through.


THANKS!!

dunstonh

but on average do trackers generally not perform the same as managed funds and with less volatility

Trackers have no less or more volatility than comparable funds. In the same sector you may have high risk versions or lower risk versions and at different times, they will likely perform either side of the mid-table tracker.

Totton

cashbackproblems wrote: »

I have heard of Troy Trogan on here and risk profile looks similar to CF Ruffer, is it considered a "safe" fund, are there any websites which give a simple rating? I find trustnet too complicated to go through.THANKS!!

I doubt that any stock investment can be described as 'safe' but in terms of volatility Troy does a very good job as a core holding.
There are quite a few places doing ratings -

BestInvest give Troy 3/5 @ http://www.bestinvest.co.uk/
Morningstar give Troy 5/5 @ http://www.morningstar.co.uk/uk/snapshot/snapshot.aspx?id=F0GBR06OFK
Citywire have it as a Star Pick @ http://www.citywire.co.uk/fund/trojan/c10395?section=money#selection

There are others such as OSBR, S&P etc, for me I find the fund to be a little stodgy but reliable. The fund is soft-closed now but you can buy it through HL and others.

As Dunstonh has previously mentioned the Troy fund is only available in the 'I' class at Hargreaves Lansdown which means that it costs slightly more than if you bought it elsewhere, the Troy funds also charge 0.5% dilution levy on the way in and out so don't go buying and selling too soon! Personally I am happy with the dilution levy as it means buyers and sellers are shouldering the transaction costs rather than all unit holders.

HTH,
Mickey

moneylover

Totton wrote: »

As Dunstonh has previously mentioned the Troy fund is only available in the 'I' class at Hargreaves Lansdown which means that it costs slightly more than if you bought it elsewhere, the Troy funds also charge 0.5% dilution levy on the way in and out so don't go buying and selling too soon! Personally I am happy with the dilution levy as it means buyers and sellers are shouldering the transaction costs rather than all unit holders.

HTH,
Mickey

How much extra would you pay than if the fund was still open? Also, if the poster is interested in this fund, isnt there an IT that is virtually the same? Maybe that would work out cheaper and wouldnt have a dilution levy

dunstonh

How much extra would you pay than if the fund was still open?

It is still open via platforms. It just isnt open direct.

Ark_Welder

I think new investors can still buy into Trojan 'O' if they have £250K to invest and don't mind a 5% upfront charge...

...or the investment trust equivalent is Personal Assets, which has the same manager. Usually trades at a small premium due to the tight discount mechanism employed.

moneylover

http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results?companyid=&tab=prices&sectorid=&tab=prices&investment=trojan&x=9&y=12

which one of these is it - are people saying that there is an inbuilt increased cost to buy is there? All these have the same buy /sell price. Is the dilution levy something that has always been in place or just since the soft close?