which index tracker to invest in ?

sukh38

im looking to invest between £50.00 - £100.00 a month?

But into which index tracker i have the below to choose from:

http://www.legalandgeneral.com/investments/choose-a-fund/index-tracker-funds/

dunstonh

is this xxxsavingsite now?

But into which index tracker i have the below to choose from:

until around 8 years it wont really make a lot of difference which you pick. The amount you are paying and the different levels of return that are likely between them are not going to result in much difference. There is the argument that going with the most volatile in the early years makes more sense than going with the least volatile. However, you have to accept the levels of volatility that will occur in the short term for that to work.

davetrousers

Hmmm, click Edit on your post then click Go Advanced so you can correct the (amusing) typo in your thread title.

gadgetmind

sukh38 wrote: »

But into which index tracker i have the below to choose from:

None of them suit my investment style and all seem to be 100% equities. I hope you're young and have a strong stomach!

If forced to pick one, I'd go for "Global 100", but he lack of fixed interest and smaller companies would trouble me.

P.S. I like the title - I think it adds some much needed colour and humour to MSE.

psychic_teabag

gadgetmind wrote: »

None of them suit my investment style and all seem to be 100% equities. I hope you're young and have a strong stomach!

If forced to pick one, I'd go for "Global 100", but he lack of fixed interest and smaller companies would trouble me.

I'm confused - I thought your style was passive. Passive vehicles tend be 100% or 0% equities.

Or do you just mean that you would want a portfolio of such trackers, rather than being to choose one ? (And would need some fixed-interest too - I think L&G do have gilt indexes.) Or are you saying the charges are too high to suit your style ?

OP: any particular reason you are limiting yourself to L&G trackers ?

gadgetmind

psychic_teabag wrote: »

I'm confused - I thought your style was passive.

I currently have a mix of styles, but passive is on the ascendant.

Or do you just mean that you would want a portfolio of such trackers, rather than being to choose one ? (And would need some fixed-interest too - I think L&G do have gilt indexes.)

Yes, a selection of them to tweak territory and cap size exposure.

Or are you saying the charges are too high to suit your style ?

I didn't look at them TBH.

wriggly

sukh38 wrote: »

im looking to invest between £50.00 - £100.00 a month?

But into which index tracker i have the below to choose from:

http://www.legalandgeneral.com/investments/choose-a-fund/index-tracker-funds/

If these are the choices, I would invest in the UK Index Trust.

All these funds are likely to move somewhat together. The ones that may move higher quickly (e.g. Emerging Markets) are also more likely to move lower quickly.

And the UK Index Trust is significantly cheaper (0.56% TER) than the others (typically 0.85-1.15% TER).

Once you have a few thousand in the UK index tracker, you may consider adding another tracker to increase diversification.

oldtoolie

These aren't the cheapest index trackers. Any particular reason for using L&G?

Here's a story today:
http://www.fool.co.uk/news/investing/2012/02/29/a-tracker-only-portfolio.aspx?source=ufwflwlnk0000001

Linton

Personally I wouldnt invest in any of them but if I had to and I am allowed 3:

1) Global 100 - 60%
2) Pacific - 25%
3) Global Technology - 15%

I certainly wouldnt put all in one fund - I would rather put the money in a long fixed rate deposit.. So what do we have..

I believe the FTSE100 and thus the FTSE Allshare are far too volatile for their likely returns. So for the main holding it has got to be the Global-100. Now we need a bit of spice. Asia-Pac has been good and I see no reason why this shouldnt continue, and then add some extra technology.

The snag I see here is that being trackers they invest in the largest companies - and where are the largest companies? In the USA, so the Global-100 is 50% US, and Global Technology is 75% US. I think I am persuading myself that Global Tech isnt right - we may have to go 40% Pacific.

My strategy is to look at the sectors first and decide which ones are appropriate, then decide how to invest in them. To worry about +- a fraction of a % in charges is missing the point when there are perhaps 10% differences because of sector.

gadgetmind

oldtoolie wrote: »

Here's a story today:
http://www.fool.co.uk/news/investing/2012/02/29/a-tracker-only-portfolio.aspx?source=ufwflwlnk0000001

Dunno why they didn't just go for the Vanguard FTSE All Share with the Vanguard Global ex UK and some Vanguard EM alongside.

OK, so they think UK big caps are more undervalued than small/mid (I disagree, but whatever) but the all share is 85% big cap, and 15% other isn't exactly off message.

sukh38

psychic_teabag wrote: »

I'm confused - I thought your style was passive. Passive vehicles tend be 100% or 0% equities.

Or do you just mean that you would want a portfolio of such trackers, rather than being to choose one ? (And would need some fixed-interest too - I think L&G do have gilt indexes.) Or are you saying the charges are too high to suit your style ?

OP: any particular reason you are limiting yourself to L&G trackers ?

thanks for your reply its either them or virgin money as they charge 1% or under yearly.

also you can withdrawl your funds when you want