Only freedom will do

BookWorm

Morning Mr E and all those popping by

I've been a bit behind this week and so catching up on things...

ISTJ here ... so Severus Snape :eek:
and

ISTJ: Lord help me to relax about insignificant details beginning tomorrow at 11:41.23 am e.s.t. :rotfl:

edinburgher

Who has a siggy with Vanguard in it, and is this the same company as they go on about MMM?

That would be the lovely Cal.

Vanguard are the same company that is mentioned so frequently on MMM. They are one of the 10? largest asset managers in the world and have built a reputation based on providing low cost passive investing options to investors with good governance and stewardship. As well as that, they offer a range of actively managed funds that apply the same checks and balances and common sense, which compare very well to the competition.

One of their founders, John (Jack) Bogle is a bit of a legend in the passive investing world and makes a real impression like all of the folksy, down-to-earth investment greats. His book 'Enough' is well worth picking up (not just about investment), it can normally be had second hand for a few quid.

ISTJ here ... so Severus Snape

Don't worry BW, Snape was the bravest one of us all!

Alchemilla

Thanks E (and lovely Cal).

I hadn't realised Vanguard works in the UK too.

ljaneyr

Alchemilla wrote: »

I am working class because I am a schoolteacher.

Soon there will be a whole new underclass created for us. Whinge whinge.

I know some very (upper) middle class teachers...or do they just tell everyone they are very middle class? :rotfl:

edinburgher wrote: »

That would be the lovely Cal.

Vanguard are the same company that is mentioned so frequently on MMM. They are one of the 10? largest asset managers in the world and have built a reputation based on providing low cost passive investing options to investors with good governance and stewardship. As well as that, they offer a range of actively managed funds that apply the same checks and balances and common sense, which compare very well to the competition.

One of their founders, John (Jack) Bogle is a bit of a legend in the passive investing world and makes a real impression like all of the folksy, down-to-earth investment greats. His book 'Enough' is well worth picking up (not just about investment), it can normally be had second hand for a few quid.

So Vanguard would be a good place to start with investing then Ed? I was going to ask as this is on my 'to do' list to research this year

edinburgher

So Vanguard would be a good place to start with investing then Ed? I was going to ask as this is on my 'to do' list to research this year.

I think so. Their products are widely available, they are well managed, have good overall performance and low fees and they are the only company who has ever *reduced* my annual fees :beer:

This Monevator article sets out how simple their products can make your investing life.

ljaneyr

Thanks! I've saved that article for later when I'm not feeling so fuzzy

edinburgher

ljaneyr wrote: »

Thanks! I've saved that article for later when I'm not feeling so fuzzy

It's a very good blog for the most part, well worth catching up with once a week/fortnight.

ljaneyr

In answer to your question on my diary, apart from being asked for bank statements, remortgaging would have been quite simple for us because our house is quite cheap in relation to our combined affordability. We bought the cheapest house so that we could get it in just my name because my OH's credit record was a bit colourful at the time!

This time we are adding his name which has made it more complicated because his parents are landlords. His name is on other mortgages which we have had to provide mortgage details and bank statements for. Every time we send something in, they ask for a load more stuff! More annoying is the fact that he is never likely to benefit from the business because his parents aren't known for being good with their money!

We are lucky to have a brilliant mortgage advisor :T

Alchemilla

Thanks Ed. A tiny glimmer of light dawns for me.

Calfuray

My ears are burning