Help buying an index tracker

musashi10

My aim is to invest in something other than my pension for the very long term, by that I mean 30 years, with a good liklihood of a return (fingers crossed!)

musashi10

Linton wrote: »

They track different things so will have different yields. The Vanguard fund lifestrategy funds track a collection of trackers spread across the world. Unless you specifically want to take the income the yield isnt too important being just part of the total return. And its the total return that matters.

Thanks linton. I want an ACC account so all profits are re-invested. How do I do a like for like comparison so I can compare apples and oranges historically? what category am I looking for for this?

Linton

musashi10 wrote: »

Thanks. I guess my question is what does this yield % actually represent?

I took it to mean what you can expect to gain on the investment based on historic records?

A bit like an interest rate on a bank account might say 3%, I took the yield to mean this is what I would essentially get back based on history (obviously can fluctuate with the market)

IS this wrong?

Yield is the % dividend

Some funds pay out dividends as cash, in other funds any dividend generated by the shares is incorporated into the fund. Your total return comes from the increase in fund price plus dividends.

You can get total return data from https://www.trustnet.com .

musashi10

I don't think I understand it. when I went on that site and looked at vanguard it says yield 1.3% but 1 year 5.1%.

I just want to know what the return is on my investment for a year

Lokolo

musashi10 wrote: »

I don't think I understand it. when I went on that site and looked at vanguard it says yield 1.3% but 1 year 5.1%.

I just want to know what the return is on my investment for a year

Then it is 5.1%.

qwer11

Hi

I am also new to investing and still learning. I have opened s&s ISA in Cavendish Online and invested a small lump amount in FTSE tracker. Does anyone know what will activate the annual investing investor fee of £45 per year? The explanation is very confusing..

qwer11

qwer11 wrote: »

Hi

I am also new to investing and still learning. I have opened s&s ISA in Cavendish Online and invested a small lump amount in FTSE tracker. Does anyone know what will activate the annual investing investor fee of £45 per year? The explanation is very confusing..

I think I got it. Actually that fee is just for accounts opened with Fidelity. Very confusing! You can log in there and see your investor status saying 'You are not currently paying the annual Investor Fee. This will become payable next time you invest.' Can anyone confirm that.

Rollinghome

There's no £45 fee for Cavandish clients. All you pay is Fidelity Fundnetworks 0.25% platform fee together with the fund management charge - all the funds are "clean". That's it. http://www.cavendishonline.co.uk/investments/

qwer11

Rollinghome wrote: »

There's no £45 fee for Cavandish clients. All you pay is Fidelity Fundnetworks 0.25% platform fee together with the fund management charge - all the funds are "clean". That's it. http://www.cavendishonline.co.uk/investments/

Thanks. Yes, I understand now what the issue is. It is explained in another thread:
https://forums.moneysavingexpert.com/discussion/comment/63208890#Comment_63208890