Investing in ETFs, having tried in S&S, which ETF from these two would you choose and why?

pete1975

Prism said:

pete1975 said:

Thrugelmir said:

If you've a fixed time window, i.e. 10 years. Then you may find yourself selling in a dip or worse. Likewise investment returns are generally made in the longer term. Some of your future contributions aren't going to have much time to make an impression. 

The broader the index you invest in, the more constrained the return is likely to be. Holding several thousand shares will result in the exceptional performers being diluted. There's no free lunch when investing. 

thanks, i just thought i'd rather try to use that money rather than pay the mortgage off,  the bank will allow overpayments as long as it doesnt pay the whole mortgage off. 

Its very likely the right thing to do - I don't overpay the mortgage but do pay into ISAs. Just be flexible about the 10 year date. Be prepared to continue with the mortgage at that point if that seems the best option, or maybe pay off early if equity returns have been good and it looks like the mortgage rates have gone up for your renewal. 

ok thanks yeah,  i wasnt set on paying the mortgage but it was a goal to pay off and id be 54 then but if the rates are low i could remortgage or continue with the investing until it starts to drop. thanks