30 y.o new to investing

Prism

You could have done all that with two funds (or even 1). VWRL or VEVE and the Global bond index fund. Thats it. Any other fund you add should have a specific purpose such as to add more US exposure or add more corporate bonds. You need to ask yourself what are you trying to achieve.

Username999

Not sure P3 understands what a "FUND" is.

Sebo027

P3
How much of your overall wealth is invested as a %?
How long are you investing for - 5  / 10 / 10+ years? 
Consider the difference between "investing" and "trading." 

You've mentioned "dipping your toe in" and getting your feet wet. This makes me think you are willing to play around a bit in the stock market to learn how it all works - with money to lose. I don't think there's anything wrong with setting aside a small amount of money to "play with" in picking stocks, particularly to learn the basics. You can also do the same with virtual investments that alot of platforms offer now "watch lists" that you can set up with dummy holdings and play the "what if game."

However - I do not think you will learn anything about trading or investing from picking random funds and "waiting to see" what happens - all you will have done is wasted a few years of valuable time that, had you did some more research, would have had your money working harder for you. Presumably you can do an x-ray in Vanguard - it will cut across all funds you are participating in and will be able to examine. as minimum:

• your allocation across geographical region;
• your allocation across industry types;
• your allocation and holdings in small, mid and large cap companies.

As had been pointed out by others, you will find you are better off with one or two well picked active or passive funds, instead of spreading your money thinly across so many funds, in a careless manner. 

BananaRepublic

Get a good book or books and learn the basics of investing. The DIY Investor by Andy Bell is a reasonable choice although he ignores asset classes outside of stocks and shares and bonds eg property, antiques, art etc.

You won’t learn investment from comments here, not that some people aren’t knowledgable, it’s just too big a subject. And I disagree strongly with some of the remarks in an earlier post, another reason to learn from a more impartial source which will help you decide for yourself. 

reefer37

Could have just invested in vanguards life strategy 80% and would have got very close to what I think ps3 was trying to get from the start. Even has LS in his list of dipping the toe in.
my advise like others have said is you could have done all this with one or two funds. Keep things simple and makes life a lot easier

MaxiRobriguez

reefer37 said:

Could have just invested in vanguards life strategy 80% and would have got very close to what I think ps3 was trying to get from the start. Even has LS in his list of dipping the toe in.
my advise like others have said is you could have done all this with one or two funds. Keep things simple and makes life a lot easier

Agreed.

Bravepants

P3 you have way too many funds for such a small investment! If you are going to save regularly, say monthly, one multi-asset fund would have been sufficient until you got to £50k. At your age VLS 80 might suit better, or HSBC Global Strategy Dynamic, or even just one diversified 100% equity fund, such as FTSE Global All Cap, for the next 20 years or so. Just start investing in something simple and then get on with the rest of your life. You have added so many funds that you have complicated any reivew process you may perform in the future. Why complicate things?  

P3

Thank you all for your comment. It was much appreciated. I am new to this so Im taking this slow, and with my small amount to test the water. I felt vanguard with their low fee, only 77 funds to chose from, and no selling fee is perfect for me. Yes I could just drip feed £1000 into VLS but I ain't learning. There must be some different between product, otherwise why even offer it. Back to other post, I am still interested on those query. If you kind people can help me out. I would be much grateful. 

1) there are product(mutual fund) that have accumulation and income option(with diffeetnet price - nav) which one is better suited? And why? For example ' FTSE Developed World ex-U.K. Equity Index Fund'

2) how to compare which fund is better? What number is the number 1 to look at, what way to comparation?  Is dividends a way to finding a good value product? I am aware that dividends% high might be due to fund value dropped.
My opening post I was doing past performance (obv it's not the future), 
Is it PE ratio? Number of stocks? Median market cap? PB ratio? Return on equity? Earning on growth rate?
3) how many different fund is the magic number? I read between 10-15 and 20 is too much? But as long it's diverse,  does it matter?
£1000 in one fund at 0.40% fee
With £50 with 20 fund at 0.40% fee each is the same right? With no exit/selling fee

coyrls

I'm sorry but your questions don't make any sense.  Perhaps spend some time rephrasing and checking them before you post them again.

theselfishaltruist

P3 said:

With interest rate at all time low, I have some spare money to invest in SS ISA, i still have £13600 allowance, after LISA and H2B, although I have the money for lump sum, I feel drip feed monthly would be the best option, I have opened with Vanguard due to low platform fee. With my age, I'm leaning toward invest 90% of the money in equity fund. 

I have a few question to get myself more clued up and get advice

1) what number is important and should look out for when compare each different fund. 

At the moment, with little experience, I look at last 3 years past performance(at least 10%) 52 weeks prices so I'm not buying on the high

2) I have seen the VLS 100% portfolio, what advantage is this compare to with me copy their portfolio ?

3) I have selected these, what do you think? Cheap to own one share

FTSE All-World UCITS ETF £64.70

FTSE Developed World UCITS ETF £48.38

Global Minimum Volatility UCITS ETF £25.41

Global Momentum Factor UCITS ETF £25.59

FTSE North America UCITS ETF £57.75

4) I also wanted these but one share is quite expensive, they are in the VLS 100% portfolio so I might invest some money on the VLS

FTSE Developed World ex-U.K. Equity Index Fund

S&P 500 UCITS ETF

U.S. Equity Index Fund

5) I also got my eyes on below but they are quite expensive tho, are they good to have ?

FTSE Global All Cap Index Fund £125

SRI Global Stock Fund £251

6) what are the key number to look out for when selecting bond fund? 

7) I have selected some cheap to own bond fund at under £100 per share, coupon average at 3-4%. Good choice?

USD Corporate 1-3 Year Bond UCITS ETF

USD Corporate Bond UCITS ETF

U.K. Gilt UCITS ETF
Any other advice would be much appreciated !!!

Thanks for reading!!!

Personally, I am confident the FTSE will crash when we officially enter a depression. I sold all my FTSE stock and put it into other things cause I'm that worried about it. I would avoid it until the depression hits, and then buy FTSE stocks when it crashes. Obviously, it's hard to predict, but I can't imagine anything other than a big dip when the UK officially entered depression (which it will, as this is a depression).