passive investing

buyhighselllow

Alexland wrote: »

This is a 90% developed world and 10% emerging market equity mix which is significantly above your stated 25% tollerance for loss so I am unclear why buyhighselllow suggested it to you.

Alex

Given he intends to hold these for at least 10-15 years I think the suggestion is ideal. How you can project what % a fund will only drop too is beyond me. Keep investing simple, as this guy says, you cannot beat or predict the market. If you wan't growth you need some risk. It also depends how much he intends to keep in cash or bonds as the low risk element of his holdings, personally I prefer mainly cash.

https://www.kroijer.com/

dunstonh

Given he intends to hold these for at least 10-15 years I think the suggestion is ideal.

As Alexland says, it is way above the stated risk tolerance.

How you can project what % a fund will only drop too is beyond me.

You can pretty much get accuracy to within 95% of events.

bradqwer

buyhighselllow wrote: »

Given he intends to hold these for at least 10-15 years I think the suggestion is ideal. How you can project what % a fund will only drop too is beyond me. Keep investing simple, as this guy says, you cannot beat or predict the market. If you wan't growth you need some risk. It also depends how much he intends to keep in cash or bonds as the low risk element of his holdings, personally I prefer mainly cash.

https://www.kroijer.com/

Yea keeping the funds locked away isn't a problem am i right in assuming this is pure Equity no bonds in there at all?

bradqwer

dunstonh wrote: »

As Alexland says, it is way above the stated risk tolerance.


You can pretty much get accuracy to within 95% of events.

Cheers guys seems the ideal is a VG80 which I scale back in my 50's

bradqwer

DrSyn wrote: »

You mentioned passive investing, so these might of interest to you:



http://www.kroijer.com/

looking at this now thanks

buyhighselllow

bradqwer wrote: »

Yea keeping the funds locked away isn't a problem am i right in assuming this is pure Equity no bonds in there at all?

Correct, I don't really buy into the Bond thing. I prefer cash in savings fixed or rotated through savings/regular savings as the " "secure" part of my holdings.

DrSyn

bradqwer wrote: »

Could you please let me know what the VEVE/VFEM stand for so I can look at said funds

These are EPIC codes (short hand) for the shares you are interested in.

If you type VEVE into the search box on the HL website and hit return, you get info about the company.

If you google Vanguard VFEM, that wil also lead you to info on the company.

These short hand codes save a lot of typing

buyhighselllow

dunstonh wrote: »

As Alexland says, it is way above the stated risk tolerance.


You can pretty much get accuracy to within 95% of events.

You cannot predict, beat or time the market 99% of the time

dunstonh

buyhighselllow wrote: »

You cannot predict, beat or time the market 99% of the time

You cannot predict the market certainly. However, you are way off with your figure on beating the market. At least as far as the UK retail market goes (there are retail markets in some countries that are up in the 90% range as you suggest but not the UK).

All that is not the same as projecting loss potential.

buyhighselllow

dunstonh wrote: »

You cannot predict the market certainly. However, you are way off with your figure on beating the market. At least as far as the UK retail market goes (there are retail markets in some countries that are up in the 90% range as you suggest but not the UK).

All that is not the same as projecting loss potential.

I would expect a financial adviser to say that , having been sold one or two dog funds 25 years ago :rotfl: