Tracker funds and ISAs

dunstonh

I do think you are overplaying property but more importantly I don't follow how "VLS is a viable method" (I agree with this) while a diversified global tracker for equity is not enough. Isn't the equity composition in VLS very similar to a diversified world tracker?

most people investing in VLS use the VLS40 or VLS60. I did say that that a global equity tracker was viable if the person happened to have the risk profile that high (which most dont). So, if someone does happen to be speculative with investing, the VLS100 would fit.

BananaRepublic

dunstonh wrote: »

How are they lies? The posts and responses from others in the pension forum are available for all to see. However, it is not fair for you to drag a thread belonging to someone else off-topic like this to pursue your personal agenda. Either help the OP or be quiet and have your moan on your own thread.

You misreprented posts from others. That last sentence is hypocrisy. Someone in that other thread commented that they too found you condescending. I resented you repeatedly attacking me as part of your agenda in other threads. :mad: That explains why I am returning the favour. If you do unto others, don't be surprised if they do unto you. You seem to spend most of your time posting online, it'd be surprising if you had time to attend to 'clients'.

jem16

BananaRepublic wrote: »

Someone in that other thread commented that they too found you condescending.

You have levelled this accusation at other posters in other threads too. It appears to be you that has the problem of seeing anyone that disagrees with you as being condescending.

I resented you repeatedly attacking me as part of your agenda in other threads. :mad: That explains why I am returning the favour. If you do unto others, don't be surprised if they do unto you. You seem to spend most of your time posting online, it'd be surprising if you had time to attend to 'clients'.

You have been asked to stop railroading the OP's thread but still you continue to do so. So now I'm reporting your post.

johnr621

Thanks to all who provided answers to my original question: it was the term "bed & isa" that opened doors for me. It's amazing how much easier it is to google for help when you know the right search term. Thanks too for the food for thought regarding the the pros and cons and the ins and outs of trackers. I have taken on board that some form of diversification would be a good idea, but my attitude to risk is very conservative, so I won't be straying far from the path of safety.
As my original question seems now to have become an irrelevance I'm now going to opt out of receiving future email updates to this thread. Cheers!

BananaRepublic

jem16 wrote: »

You have levelled this accusation at other posters in other threads too. It appears to be you that has the problem of seeing anyone that disagrees with you as being condescending.

Please do not make false statements. Google finds none.

jem16

BananaRepublic wrote: »

Please do not make false statements.

Please stop hijacking threads.

Google finds none.

Not sure why Google would be necessary - a search of your own profile will do.

http://forums.moneysavingexpert.com/showpost.php?p=69793267&postcount=15

http://forums.moneysavingexpert.com/showpost.php?p=69783761&postcount=294

Reading the rest of each of those threads is equally illuminating.

Plus of course your own deleted thread.

bowlhead99

BananaRepublic wrote: »

jem16 wrote: »

You have levelled this accusation at other posters in other threads too. It appears to be you that has the problem of seeing anyone that disagrees with you as being condescending.

Please do not make false statements. Google finds none.

Please learn to Google. For example:

inurl:moneysavingexpert condescending bananarepublic

returns among others, this thread:

BananaRepublic wrote: »

...long quote from grey gym sock

Please do not talk down to me in such a condescending manner.

BananaRepublic wrote: »

grey_gym_sock wrote: »

i could have gone for the short option, like dunston, and just said that it was bad advice to a newbie investor to buy separate funds. instead, i went for a discussion of a few of the pitfalls of doing that, while not denying that it was a viable option, if you do it right.

either way, that part of your advice was bad. and you take offence very easily.

Your response was long winded and condescending, stating many things that are obvious to all but the novice. I also disagree with your remarks about individual funds, it all depends. The problem with your post is that it simply is not a good enough explanation of investing, ignoring as you do so much. That is why I suggested that the OP should do some background reading.

And this one:

BananaRepublic wrote: »

chucknorris wrote: »

But you would be wrong, you are far too emotional about property, and it is interfering with your logic. You can't see the difference between a business comprising of say 10 houses rented to students or a block of student flats. Both provide student accommodation, yet one of those businesses you don't even accept that it is a business, never mind that mortgage interest should be an allowable expense. Or would you argue that both are not businesses?

How condescending. It is an issue of fairness, something you will never see as all that matters is your wealth.

And

jem16 wrote: »

Plus of course your own deleted thread.

BananaRepublic's 'Which pension' one? The Google search mentioned above will find it but leave it as a dead link since it was deleted. The cached version of the first part of it at least, is at http://webcache.googleusercontent.com/search?q=cache:https://forums.moneysavingexpert.com/discussion/comment/69763774#Comment_69763774

- - -
In summary, it seems you like to use the term a lot. If you find yourself in lots of threads populated by idiots, look for the common denominator.

By the way,"condescending" means when you're looking down on someone, having an attitude of patronising superiority.

As the OP of this thread has now departed after getting their answer, there's plenty of opportunity to mess about without disturbing them further. Otherwise I'd apologise for going off topic.

bigfreddiel

dunstonh wrote: »

How are they lies? The posts and responses from others in the pension forum are available for all to see. However, it is not fair for you to drag a thread belonging to someone else off-topic like this to pursue your personal agenda. Either help the OP or be quiet and have your moan on your own thread.

Now now girls, play nicely, and that includes bananaman!

We're all experts, none of us lie and some of us know better than others, and I know that in all instances I am correct all of the time, whereas you lot aren't!

Have a nice day now

fj

berbatov10

Shame such good stuff gets derailed with squabbles

Al.

johnr621 wrote: »

Thanks to all who provided answers to my original question: it was the term "bed & isa" that opened doors for me. It's amazing how much easier it is to google for help when you know the right search term. Thanks too for the food for thought regarding the the pros and cons and the ins and outs of trackers. I have taken on board that some form of diversification would be a good idea, but my attitude to risk is very conservative, so I won't be straying far from the path of safety.
As my original question seems now to have become an irrelevance I'm now going to opt out of receiving future email updates to this thread. Cheers!

John,

If you drop back in, bear in mind the possibilities of decumulation (aka sequence of return) risk too. Assessing how much risk you are willing and able to take can be complex, although things usually boil down to three basic questions which need to be answered:

1. How able are you to emotionally deal with the ups and downs of investment returns, in other words, how are you able to tolerate?

2. How much can you afford to lose - or how much risk are you capable of taking?

3. What returns do you require to meet your objectives, in other words, what is your investing objective?

Risk tolerance - how much risk are you willing to accept? Risk tolerance is not just an economic concept, it’s a psychological consideration too. The first question addresses your psychological ability to tolerate the emotional ups and downs of investment performance. Understanding your personal risk tolerance is fundamental to ensuring you are satisfied your with investment outcomes.

Risk capacity - how much risk are you capable of taking? While you may be willing to take a high level of risk, you need to balance this with the potential for loss. Your dependency on the income in retirement from your portfolio, or how quickly you will need to withdraw capital, will determine your capacity for loss.

Risk requirement - how much investment return is required? The third question focuses on your short, medium and long-term objectives and the required investment return to achieve them. Do you know what you ultimately need? You refer to £300,000. Never take more risk than absolutely necessary - higher risk introduces increased uncertainty, which leads to a greater range of potential outcomes. The result may be significantly above, or significantly below you and your wife's financial objectives.

The three areas might have completely separate and distinct motivations and factors which affect your decision making. Where a mismatch between risk required, risk capacity and risk tolerance exists, or when the goals are too optimistic compared with the resources available and the timeframes, there will be trade-off - usually a combination of easing goals - reducing, delaying and/ or forgoing, and increasing resources - saving more and/or converting personal use assets to investment assets.

Do check out sequential return risk, you're retiring, you don't have as much time as you may have had thirty years ago to make up any losses.