We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
We're aware that some users are currently experiencing errors on the Forum. Our tech team is working to resolve the issue. Thanks for your patience.
Funds for the Less Financially Able or Enraptured
Comments
-
There are so many funds. Are there such things as global index trackers that include both bonds & equities?
yes. They are called multi-asset funds.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Vanguard's LifeStrategy funds seem to fit the bill, albeit with some overweighting of the UK. Cheap, at 0.24% TER.Are there such things as global index trackers that include both bonds & equities?0 -
Or run a 2 fund portfolio: Total stock market + a bond ETF of your choice?0
-
racing_blue wrote: »Or run a 2 fund portfolio: Total stock market + a bond ETF of your choice?
Although of course then you still have to decide how much of each of the two funds you would like, in the same way you made an arbitrary decision between the three equity funds in the first example.
For someone who really doesn't want to make decisions, it might be better to choose (for example) a Blackrock "Consensus 85" fund which will move its equities up to 'no more than' 85% or an L&G "Multi Index 6" fund which will have more than a "5" but less than a "7", however they build it from month to month.
Obviously *someone* has to make the decision if you abdicate it yourself but if they are not taking huge amounts of money off you to handle it then not too much harm done.
And obviously there are plenty of actively managed funds which charge more and don't restrict themselves to building the components out of trackers, which may or may not give you a result you prefer; I only mentioned those two particular brands as some which are using more passive building blocks because of the tracker focus in the comments above.0 -
Just for purity and simplicity, I love the idea of a 2 fund portfolio. 50% total stock market and 50% total bond market, annually rebalanced.
If stocks go up, you are happy because half your money is in stocks.
If stocks go down, you are happy because half your money is in bonds.
Sadly I have this impediment called a frontal cortex- it keeps making me do complicated and costly things.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.5K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.4K Work, Benefits & Business
- 604.2K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards