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Suggestions Needed for Investing 20K S&S ISA, Is it right time to start investing?

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  • AlanP_2
    AlanP_2 Posts: 3,520 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 3 November 2020 at 11:32AM
    Returns are different because they are all investing, in a range of asset classes across the globe in different proportions and making decisions based on different perspectives.

    On £20k the return difference between most of the main players in the multi-asset category that have already been mentuioned on here won't be dramatic.

    You have possibly foregone higher returns by not investing over the last week.
  • mazibee
    mazibee Posts: 440 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    AlanP_2 said:
    Returns are different because they are all investing, in a range of asset classes across the globe in different proportions and making decisions based on different perspectives.

    On £20k the return difference between most of the main players in the multi-asset category that have already been mentuioned on here won't be dramatic.

    You have possibly foregone higher returns by not investing over the last week.
    Thanks @AlanP_2,
    In the short run , weekly , monthly or even a yearly basis the return %age will not matter.
    I am looking at the 5 Year cumulative returns at the HL website
    HSBC FTSE All World Index C  = 97.46%
    BG Managed Fund 5 Year return = 97.85%
    Royal London Sustainable Fund 5 Year return= 101.18%
    Fidelity Global Technology Fund  5 Year return = 213.66%
    BG Positive Change 3 Years = 110.69%
    I know that past performance is not the guarantee that same results can be achieved in future but picking a fund /s is becoming a bit nerve wrecking process for me.







  • Alexland
    Alexland Posts: 10,183 Forumite
    Eighth Anniversary 10,000 Posts Photogenic Name Dropper
    Problem is with enough funds in existence there will statistically always be active funds that look attractive because they have had a good run recently but it's so hard for a stock picker to be consistently right/lucky over the many years you intend to invest and often they are just riding a market style that works for a few years (maybe even a decade for some) until a rotation occurs when they start under performing, etc. The danger of picking on recent performance is you could keep backing a horse that's towards the end of its career. Think about what will give sustainable and to some extent predictable performance to help you reach your goals.
  • AlanP_2
    AlanP_2 Posts: 3,520 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 3 November 2020 at 12:24PM
    mazibee said:
    AlanP_2 said:
    Returns are different because they are all investing, in a range of asset classes across the globe in different proportions and making decisions based on different perspectives.

    On £20k the return difference between most of the main players in the multi-asset category that have already been mentuioned on here won't be dramatic.

    You have possibly foregone higher returns by not investing over the last week.
    Thanks @AlanP_2,
    In the short run , weekly , monthly or even a yearly basis the return %age will not matter.
    I am looking at the 5 Year cumulative returns at the HL website
    HSBC FTSE All World Index C  = 97.46%
    BG Managed Fund 5 Year return = 97.85%
    Royal London Sustainable Fund 5 Year return= 101.18%
    Fidelity Global Technology Fund  5 Year return = 213.66%
    BG Positive Change 3 Years = 110.69%
    I know that past performance is not the guarantee that same results can be achieved in future but picking a fund /s is becoming a bit nerve wrecking process for me.







    HSBC FTSE All Worl Index C - A 100% Equities Fund (so not multi-asset).
    The Fund aims to provide growth over the long term, which is a period of 5 years or more, by tracking the performance of the FTSE All-World Index (the “Index”). The Index measures the performance of large and medium size companies in developed and emerging markets, as defined by the Index provider.


    BG Managed Fund - A multi-asset fund. 
    The Fund aims to achieve capital growth over rolling five-year periods.

    Royal London Sustainable (World Trust C ?) Fund -  Not a multi-asset fund, but an actively managed, focused fund. 
    The Fund’s investment objective is to achieve capital growth over the medium term (3-5 years) by investing mainly in the shares of companies globally listed on stock exchanges that are deemed to make a positive contribution to society. Investments in the Fund will adhere to the Manager’s ethical and sustainable investment policy. The Fund is actively managed.

    Fidelity Global Technology Fund - Not a multi-asset fund, but an actively managed, focused fund.
    The fund aims to provide investors with long-term capital growth, principally through investment in the equity securities of companies throughout the world, that have, or will, develop products, processes or services that will provide, or will benefit significantly from, technological advances and improvements. As this fund may invest globally, it may be exposed to countries considered to be emerging markets.

    BG Positive Change - Not a multi-asset fund, 100% equities.
    The Fund aims to outperform (after deduction of costs) the MSCI AC World Index, as stated in Sterling, by at least 2% per annum over rolling five-year periods.

    Fund aims / objective taken from Trustnet. By "multi-asset" I mean something that deliberately includes non-equity investments.

    You are trying to compare Apples v Potatoes v Sausages v Complete Ready Meal v Brocoli - all foods but don't give you the same thing when you eat them.
  • mazibee
    mazibee Posts: 440 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    AlanP_2 said:
    mazibee said:
    AlanP_2 said:
    Returns are different because they are all investing, in a range of asset classes across the globe in different proportions and making decisions based on different perspectives.

    On £20k the return difference between most of the main players in the multi-asset category that have already been mentuioned on here won't be dramatic.

    You have possibly foregone higher returns by not investing over the last week.
    Thanks @AlanP_2,
    In the short run , weekly , monthly or even a yearly basis the return %age will not matter.
    I am looking at the 5 Year cumulative returns at the HL website
    HSBC FTSE All World Index C  = 97.46%
    BG Managed Fund 5 Year return = 97.85%
    Royal London Sustainable Fund 5 Year return= 101.18%
    Fidelity Global Technology Fund  5 Year return = 213.66%
    BG Positive Change 3 Years = 110.69%
    I know that past performance is not the guarantee that same results can be achieved in future but picking a fund /s is becoming a bit nerve wrecking process for me.







    HSBC FTSE All Worl Index C - A 100% Equities Fund (so not multi-asset).
    The Fund aims to provide growth over the long term, which is a period of 5 years or more, by tracking the performance of the FTSE All-World Index (the “Index”). The Index measures the performance of large and medium size companies in developed and emerging markets, as defined by the Index provider.


    BG Managed Fund - A multi-asset fund. 
    The Fund aims to achieve capital growth over rolling five-year periods.

    Royal London Sustainable (World Trust C ?) Fund -  Not a multi-asset fund, but an actively managed, focused fund. 
    The Fund’s investment objective is to achieve capital growth over the medium term (3-5 years) by investing mainly in the shares of companies globally listed on stock exchanges that are deemed to make a positive contribution to society. Investments in the Fund will adhere to the Manager’s ethical and sustainable investment policy. The Fund is actively managed.

    Fidelity Global Technology Fund - Not a multi-asset fund, but an actively managed, focused fund.
    The fund aims to provide investors with long-term capital growth, principally through investment in the equity securities of companies throughout the world, that have, or will, develop products, processes or services that will provide, or will benefit significantly from, technological advances and improvements. As this fund may invest globally, it may be exposed to countries considered to be emerging markets.

    BG Positive Change - Not a multi-asset fund, 100% equities.
    The Fund aims to outperform (after deduction of costs) the MSCI AC World Index, as stated in Sterling, by at least 2% per annum over rolling five-year periods.

    Fund aims / objective taken from Trustnet. By "multi-asset" I mean something that deliberately includes non-equity investments.

    You are trying to compare Apples v Potatoes v Sausages v Complete Ready Meal v Brocoli - all foods but don't give you the same thing when you eat them.
    Thanks for such a detailed reply @AlanP_2.
    I am trying to eat every thing  which can lead to some serious trouble :)


  • mazibee
    mazibee Posts: 440 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    Please can someone suggest me some multi asset funds.
    Also for funds which platform is best? iweb, HL or any other
  • eskbanker
    eskbanker Posts: 37,189 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mazibee said:
    Please can someone suggest me some multi asset funds.
    What did you think of the ones you were directed to yesterday?

    https://forums.moneysavingexpert.com/discussion/comment/77742731/#Comment_77742731
  • ColdIron
    ColdIron Posts: 9,843 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Name Dropper
    edited 3 November 2020 at 5:09PM
    mazibee said:
    Please can someone suggest me some multi asset funds.
    Didn't you think much of the ones I pointed you at at last time you asked?
    mazibee said:
    Please can you or someone list few from different multi assets funds to choose from?
    Also for funds which platform is best? iweb, HL or any other
    This question can only be answered once you have decided on what to invest in
  • csgohan4
    csgohan4 Posts: 10,600 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
    To be fair as a new investor, so many funds can be alot to digest and appear overwhelming at times. OP over time you will have your own preferences, everyone here has their favorite go to fund, be it active or passive. 

    As your new to investing stick to the monevator list and go from there, that's what I did at first and then branched out from there
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
  • Steve182
    Steve182 Posts: 623 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    edited 3 November 2020 at 11:36PM
    mazibee said:
    Please can someone suggest me some multi asset funds.
    Also for funds which platform is best? iweb, HL or any other
    Multi asset funds may be appropriate for you but since they do not match everyone's risk appetite they may not. 

    In my previous reply I suggested the option of a guaranteed £1k gift VS a 50/50 chance of £3k. What would you do? Will you give me your answer?



    “Like a bunch of cod fishermen after all the cod’s been overfished, they don’t catch a lot of cod, but they keep on fishing in the same waters. That’s what’s happened to all these value investors. Maybe they should move to where the fish are.”   Charlie Munger, vice chairman, Berkshire Hathaway
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