Which type of investment for stability

Dird

IGN wrote: »

Where are you seeing this -0.14%? If you're including the 2008 market crash that's a little unfair as pretty much everything lost value. Those huge catastrophic events skew to true value of a stock / fund.

10 year annualised: http://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=F00000X47H&tab=1

Market crashes are a regular occurrence. If it's unfair to include the crash then it's also unfair to include those 8-12% returns because they were only possible because the low point they started at (as a result of the crash)

IGN

So I've been researching the Vanguard LifeStrategy x% equity funds and they seem incredibly popular but the fund is very high at the moment, as in it's super expensive to buy.

Maybe I'll just wait a few more years until I'm more comfortable with risk.

coyrls

IGN wrote: »

So I've been researching the Vanguard LifeStrategy x% equity funds and they seem incredibly popular but the fund is very high at the moment, as in it's super expensive to buy.

Maybe I'll just wait a few more years until I'm more comfortable with risk.

What's going to happen in a few more years that will make you more comfortable with risk?

Also the popularity of the Vanguard Life Strategy fund will not affect its price; it's not an Investment Trust.

enthusiasticsaver

IGN wrote: »

So I've been researching the Vanguard LifeStrategy x% equity funds and they seem incredibly popular but the fund is very high at the moment, as in it's super expensive to buy.

Maybe I'll just wait a few more years until I'm more comfortable with risk.

Why not start off low like I did and do a monthly amount you can easily afford. You will see that the price of the fund will go up and down all the time and eventually ignore it as market noise. It also means you spread the risk of getting in at the wrong time if you are drip feeding monthly.

IGN

coyrls wrote: »

What's going to happen in a few more years that will make you more comfortable with risk?

Also the popularity of the Vanguard Life Strategy fund will not affect its price; it's not an Investment Trust.

I'm currently on disability benefit and I'm not in a position to take risk.

masonic

IGN wrote: »

I'm currently on disability benefit and I'm not in a position to take risk.

I must say this is a very surprising piece of information to reveal at this juncture and highlights the need to understand whether investments are even suitable as an option before engaging in a 30+ post discussion about their various merits.

Presumably you are not in a position to take risk because you are unable to commit to locking away your money long-term as you might need it in the short term to support yourself? If that's the case, then you should stick to high interest current accounts and other deposit accounts where your capital is guaranteed. All other options mentioned involve risk.

Glen_Clark

jimjames wrote: »

I think some of the investment trusts paying that are pretty stable. Downside is that they don't go up as much either.

What do you call 'pretty stable'? I don't know any paying 3-4% without 'potentially gaining or losing 15%' which the opening post indicates is unacceptable.

Glen_Clark

IGN wrote: »

I'm currently on disability benefit and I'm not in a position to take risk.

I'm glad you realise that. We often hear allegations of people getting benefits who shouldn't, but there are others who the DWP have found 'fit for work' whilst they are lying in a coma, http://www.mirror.co.uk/news/uk-news/department-work-pensions-put-girl-3135341
So I think you are stuck with cash.
I very much sympathise with people in your situation who gone without to save for a rainy day and can't afford to take risk. They stuck with cash, and believed the overpaid 'experts' like Mark Carney who said 2 years ago interest rates would go up 'sooner rather than later' and that Brexit would lead to a rise in interest rates...
They have done the right thing, but been right royally shafted by the Establishment and QE :mad: