Small amount for invesment - should i stay with funds or more to shares?

Dazza_a89

Hello All,
I hope everyone's Christmas was great!
Just a quick question, i have a small amount invested with HL (£6k at the moment but i will add more over the coming months) in a mixture of funds and i have been told from a friend a friend that i should be moving these into individual stocks (IE HSBC, barclays etc) for a greater return.
Should i be doing this? I have a good return from my funds but i obviously want to maximise my returns.
I will have to check but i think its £12.95 per trade with HL.
Thanks in advance.

Audaxer

You are better sticking with funds as more risky with individual shares, and more expensive to trade.

DennisTenus

Good question. I was wondering this as well as I only have funds with HL and similar amount.

£12.95 charge is very expensive compared to IWeb at £5 for example.

Dazza_a89

Doesn't Iweb charge you for purchasing of funds as well? It is just the £5 for individual stocks?

Voyager2002

Well, my 'pot' is more than 100,000 and I do not think it is enough to make individual shares worthwhile.

Dazza_a89

I think this was the case I just wanted to make sure that I wasn't being silly and missing something obvious!
Thank you.

elephantrosie

the reasoning behind more worth it to buy individual stocks is you are subjecting yourself to higher risks and therefore higher returns.

Voyager2002

elephantrosie wrote: »

the reasoning behind more worth it to buy individual stocks is you are subjecting yourself to higher risks and therefore higher returns.

Sadly, higher risk does not necessarily mean higher returns.

elephantrosie

of course. nothing is certain in investment, but that is the general rule!

Eco_Miser

Higher returns generally implies higher risk (but a 5% bank account is the same risk as a .05% bank account), however higher risk investments can still have low returns (even when they don't fail).

badger09

elephantrosie wrote: »

the reasoning behind more worth it to buy individual stocks is you are subjecting yourself to higher risks and therefore higher returns.

and higher losses

elephantrosie wrote: »

of course. nothing is certain in investment, but that is the general rule!

Really. A general rule:cool: