New kid on the block?

Albermarle

talexuser said:

Lifestrategy 100% has the present millstone of large UK exposure to contend with. Usually this "might" help a little with exchange rate variables. I had it for the grandkids long term view but when this government was elected with an obvious remit for hard Brexit I swapped for Developed World exUK and am now about 8% ahead compared with having kept it. It depends on your outlook for the UK, if you think we will rebound from this level of debt quickly it may be worth sticking with it. If you think this governments' performance so far does not exactly exude competence, maybe time to change.

In addition to  the above issues , the main FTSE 100 is mainly populated with oil companies, banks etc who have generally underperformed over the years.

Shocking_Blue

talexuser said:

Lifestrategy 100% has the present millstone of large UK exposure to contend with... I swapped for Developed World exUK and am now about 8% ahead compared with having kept it.

Could I ask what ex-UK fund you switched to?

Shocking_Blue

Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc

Looks good

Shocking_Blue

DireEmblem said:

How about XDWT

Thanks,

Just found this, which looks interesting.

Xtrackers MSCI World Information Technology UCITS ETF 1C (EUR) | XDWT

Had any experience of this? Any idea of the best way to invest (doesn't appear to be available on iWeb).

Thanks again

csgohan4

Shocking_Blue said:

DireEmblem said:

How about XDWT

Thanks,

Just found this, which looks interesting.

Xtrackers MSCI World Information Technology UCITS ETF 1C (EUR) | XDWT

Had any experience of this? Any idea of the best way to invest (doesn't appear to be available on iWeb).

Thanks again

Their both different funds that track different things. dos it fit in with your portfolio?

XDWT is similar to the Legal & General Global Technology Index Trust, with the latter a fund. 

Some people prefer Funds over ETFs  or vice versa due to the platform charges as well. 

I use the Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc myself which is a good all rounder, not chart topping, but you can almost bet that you will end up with more than you put in, in about 20-30 years

I mix in with other active funds as well to provide some diversity as well as more Tech funds too. Personal preference

Shocking_Blue

csgohan4 said:

Shocking_Blue said:

DireEmblem said:

How about XDWT

Thanks,

Just found this, which looks interesting.

Xtrackers MSCI World Information Technology UCITS ETF 1C (EUR) | XDWT

Had any experience of this? Any idea of the best way to invest (doesn't appear to be available on iWeb).

Thanks again

Their both different funds that track different things. dos it fit in with your portfolio?


I use the Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc myself which is a good all rounder, not chart topping, but you can almost bet that you will end up with more than you put in, in about 20-30 years

I mix in with other active funds as well to provide some diversity as well as more Tech funds too. Personal preference

Thanks,
Have heard quite a bit about US tech funds and how these might be a good place to look.
Re the 20-30 years, we'd be looking at starting to reap the rewards in something more like 10. I know prevailing wisdom would say reduce exposure to equities and look at more bonds for a med term like this (e.g. VLS 20 or 40), but it just seems to be a little too cautious for a period of 10 yrs or so where you didn't need to 'cash things in' so to speak...

Shocking_Blue

csgohan4 said:

Shocking_Blue said:

DireEmblem said:

How about XDWT

Thanks,

Just found this, which looks interesting.

Xtrackers MSCI World Information Technology UCITS ETF 1C (EUR) | XDWT

Had any experience of this? Any idea of the best way to invest (doesn't appear to be available on iWeb).

Thanks again

Some people prefer Funds over ETFs  or vice versa due to the platform charges as well. 

Sorry to be so naïve about this, but, looking at the ongoing charges of the two following, there's a marginal difference:

Xtrackers MSCI Wld Info Tech ETF 1C (XDWT) 0.3% (ETF)

L&G Global Technology Index I Acc (Accumulation) 0.32 (Fund)

Would one or the other (involve more 'trades' or 'dealing commissions' https://www.iweb-sharedealing.co.uk/charges-and-interest-rates/charges.asp), and therefore more costs?

 

Thrugelmir

talexuser said:

 It depends on your outlook for the UK, if you think we will rebound from this level of debt quickly it may be worth sticking with it. If you think this governments' performance so far does not exactly exude competence, maybe time to change.

and the USA is in a better place .........  

Shocking_Blue

Shocking_Blue said:

csgohan4 said:

Shocking_Blue said:

DireEmblem said:

How about XDWT

Thanks,

Just found this, which looks interesting.

Xtrackers MSCI World Information Technology UCITS ETF 1C (EUR) | XDWT

Had any experience of this? Any idea of the best way to invest (doesn't appear to be available on iWeb).

Thanks again

Some people prefer Funds over ETFs  or vice versa due to the platform charges as well. 

Sorry to be so naïve about this, but, looking at the ongoing charges of the two following, there's a marginal difference:

Xtrackers MSCI Wld Info Tech ETF 1C (XDWT) 0.3% (ETF)

L&G Global Technology Index I Acc (Accumulation) 0.32 (Fund)

Would one or the other (involve more 'trades' or 'dealing commissions' https://www.iweb-sharedealing.co.uk/charges-and-interest-rates/charges.asp), and therefore more costs?

 

Apologies for anther naïve Q
As per iWeb fees section '£5 dealing commission per trade'. Assume a 'trade' is when you actually buy/sell into the fund or ETF, rather than any internal buying and selling that goes on within the running of the Fund/ETF.
Thanks

csgohan4

https://monevator.com/compare-uk-cheapest-online-brokers/

Have a look at above to understand the different ones

Note I am not talking about OCF, but the charge the platform charges to hold your investments.

The above website also has lots of articles on passive investing and it would be helpful to read all of them to understand investments at least on a reasonable level