Hargreaves Lansdowns own recommendations. Your view?

jamesd

margaretclare wrote: »

BAE Systems is a UK company involved in defence. We do need defence, don't we?

Yes. But some wouldn't want to be involved with a company producing say Britain's next generation of nuclear missile submarines or with a past record of producing cluster munitions (though BAE says it no longer doest that). If she's aware of the range of products it's completely fine, if she's not, maybe she'd find something that she wouldn't want to accept.

Nine_Lives

Thanks for the replies guys.

Regarding the refusal of investing in certain areas for personal beliefs etc, yes it was you i was referring to margaret, but i didn't want to put a name on it.
I'm a strong anti-smoker. I've never smoked in my life & unless someone puts a gun to my head, i never will. I can't stand the smell or what it does to you & i hate even more the "inconsiderate smoker", but we could get on the topic of how i can't stand smoking & stay there all day, when it's not about that...
...however, if it's going to make me money, then i will put my money in tobacco. Some may try and tag that as double standards & they're entitled to their opinion. At the end of the day, why do we invest? We don't invest because we're bored. We invest to make money & i want to make as much as i can. If that means investing in tobacco then so be it. It doesn't mean i have to start smoking.

* Smoking/tobacco was just used as an example as i can't think of anything else that i'm so "anti" about.

Linton

Ok - here's a more difficult moral question: hows about DMGT?

margaretclare

Linton wrote: »

Ok - here's a more difficult moral question: hows about DMGT?

What's that?

Linton

Daily Mail and General Trust

margaretclare

Linton wrote: »

Daily Mail and General Trust

Never heard of them. Are you a wind-up merchant?

Nine_Lives

I don't understand the question so can't answer. Plus i don't know who the question was directed at.

Nine_Lives

I was just looking at 2 funds to split the lump sum between. I spent about an hour or so last night going through & came up with 2.

Now i understand that i could pick every single fund possible & you'll get people disagreeing, but i just wanted some feedback, as the last time i did this i selected 2 that were too similar.

I looked at the:
- Vanguard UK Inflation Linked Gilt Index Acc
- HSBC Pacific Index Acc

I had looked at the Aberdeen Asia Pacific Acc as an alternative to the HSBC, but changed my mind in the end.

I haven't yet decided on the %/% split, but what do you think of the selection? So long as it's not poor, then i'm not too bad

jamesd

DMGT is a media company, once of whose properties is Associated Newspapers, publisher of the Daily Mail. The question was effectively asking if you'd want to own the owner of the Daily Mail.

margaretclare

I'm no expert. Back to what HL say:

HSBC: "This is a passively managed fund that closely replicates the constituents of the FTSE World Asia Pacific ex. Japan Index with the aim of tracking its performance, before fees. Once fees are taken into consideration our research suggests passively-managed tracker funds are likely to underperform the index they aim to track over the long term."

That applies to both the Accumulation and Income funds.

With your stated objective of making enough money as possible, I would have thought that funds described as 'passively-managed' or 'likely to under-perform' wouldn't be for you.

Vanguard UK Inflation Gilt Index Acc: Not much said about this except: "Please note Vanguard levies a 0.2% dilution levy on all purchases, which becomes part of the property of the fund. We have shown this as an initial charge to the left."

I'm quoting HL's Mark Dampier here. No doubt jamesd and dunstonh will give you some more informed and logical ideas.