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Best Option for Cash Lump Sum
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Thanks for the replies! Maybe i'm trying to overcomplicate things with my limited knowledge. Been watching Lars videos and him recommending just a global index tracker and forgetting that VLS60 is actually global albeit overweight in the UK.
Also picking up other little tricks of the trade such as a) vanguard doesnt do fractional shares for ETF's, not that it matters for me yet!
b) 'If' i transfer within vanguard or to another platform it may take a while!
c) When i come to sell do i actually receive the price when i press the button or the following days price?0 -
Been watching Lars videos and him recommending just a global index tracker and forgetting that VLS60 is actually global albeit overweight in the UK.You are jumping all over the risk scale. How about not watching videos that suggest you go to highest risk and go with what is right for you?Also picking up other little tricks of the trade such as a) vanguard doesnt do fractional shares for ETF's, not that it matters for me yet!Maybe stick to UT/OEICs then? In many cases, the UT/OEIC is cheaper or outperforms its comparable ETF. Since unbundling, the returns are little different in most cases (some exceptions apply).
And maybe go with a whole of market platform instead so you dont limit yourself to one fund house. Vanguard do not have the best funds in every area.c) When i come to sell do i actually receive the price when i press the button or the following days price?ETFs are real time. UT/OEICs are next day.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.1 -
dunstonh said:Been watching Lars videos and him recommending just a global index tracker and forgetting that VLS60 is actually global albeit overweight in the UK.You are jumping all over the risk scale. How about not watching videos that suggest you go to highest risk and go with what is right for you?1
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Thanks, i appreciate all the help youve given and, yes, looking back on the thread i realise ive been up and down the risk possibilities like a rollercoaster:) 60:40 it is for now!0
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Just one last queary! (before the next last one!)
I notice that the prices fell for each VLS fund yesterday but they fell more for the higher the ratio of bonds than equity which is the reverse for what normally happens when ive checked before!0 -
Collyflower1 said:Just one last queary! (before the next last one!)
I notice that the prices fell for each VLS fund yesterday but they fell more for the higher the ratio of bonds than equity which is the reverse for what normally happens when ive checked before!
However you should not be looking at day to day figures except for amusement. Year to year should be sufficient.0 -
Linton said:Collyflower1 said:Just one last queary! (before the next last one!)
I notice that the prices fell for each VLS fund yesterday but they fell more for the higher the ratio of bonds than equity which is the reverse for what normally happens when ive checked before!
However you should not be looking at day to day figures except for amusement. Year to year should be sufficient.1 -
DoneWorking said:I am looking for the best option for what to do with a lump sum of around £400k as from JanuaryI have a fair pension and very little outgoings and do not need to secure any income from this moneyHowever I do want to protect it from inflation so I can bequeath it to my wife after I pass on which will be probably in ten years time
I do not want to risk the sum being eroded by inflationNor eroded by poor investments
What is my best optionMy only ever investment was a small pension sum
A friend has a similar sum invested and says his return has been 8 % total over three years
This is not going to beat inflation but he is risk adverse and stuck on a cautious investment plan
Are there any bonds or saving schemes which could net me 3 to 4 % after costs gross
Or is investment my only option
I have seen two IFAs but not been impressed by the costs and the proposed plans
I am keen on ESG focused investmentsBased on cautious risk ESG investment portfolio based on my wife and I
Based on a Unit TrustBased on £325 k1% Initial Report0.5% ongoing IFA fee paPlatform/Fund 0.75 pa
They feel they can protect my funds from inflation over the long term and there will be volatility in the short to medium term period
Do these charges look ok
This is a smallish companyWhat may happen if the owner retires or sells the business
Does the claim to match inflation seem ok based on a cautious fund
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DoneWorking said:
Does the claim to match inflation seem ok based on a cautious fund
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GeoffTF said:DoneWorking said:
Does the claim to match inflation seem ok based on a cautious fundI'm too anxious to take a higher riskHence return after fees is not going to beat or even match inflationParticularly on an ESG Portfolio
The savings options are likely to give me less than 2% return
I'm too hold and infirm to start a business
I have no appetite for property
Do I have any other options0
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