Investing in Global Trackers and other similar investments

Alistair31

DoneWorking said:

Alistair31 said:

How would you feel if your £175k became £130k in a downturn? 

Why do you ask

If I don't do anything with it it's spending power is going to wither away due to inflation

Because that is the risk you need to accept if you are thinking 100% equities global tracker. How would you react? 

Oh !!!!!!, I only wanted inflation protection and now I’ve lost £45k, I better sell before I lose any more… thus guaranteeing the £45k is gone. 

tebbins

1. Have a serious look through this forum and read threads where people have asked beginner questions. If forum members have posted links and suggested resources, follow those links and read those resources.
2. Consider watching Lars Kroijer's investing demystified series on youtube, I am also a longtime fan of PensionCraft though some of his videos can be much more detailed.
3. Read beginner investing articles on monevator.com.

You don't just need the knowledge about the fund selection, it is also prudent to have some knowledge of personal finance, to plan your financial future and understand the different tax-wrapper accounts available to you and how your tax situation may be affected by those decisions.

This is not as simple as "tell me what to do", it is a serious and significant peice of learning, more akin to learning how to drive than a quick google search.

DoneWorking

dunstonh said:

I want to invest £175k in some kind of Global Tracker
I have no knowledge of this kind of investment and would want something that is mid risk and regularly updated by the provider

A global tracker (as in global equity) is high risk.  Not medium risk.

<br>Please provide info for standard and ESG based trackers

What is your ESG criteria?    you are pretty much limiting yourself to a handful of options now.

Does investment provider assist in selection of funds going forwards

No. That is what an adviser does. Not a provider.

<br>How many different funds would I need&nbsp;

It depends on what investment strategy you are following.

Is the investment protected

It depends on the investments you use and what things you are looking to protect against.

I think I need the advised option<br>

You have posted a lot of threads recently on the same subject but you don't seem to be getting anywhere with it. You need to start firming up what your objectives are and decide if you want to DIY or use an adviser.  If you DIY, then that means learning about it.   

I agree I have posted on this issue requesting assistance

The only reason I am still posting is to try to get a clearer understanding 
Although I do not have knowledge on the above subject

I am not stupid

What I need is clear concise advice

Too many people are not providing this

DoneWorking

tebbins said:

1. Have a serious look through this forum and read threads where people have asked beginner questions. If forum members have posted links and suggested resources, follow those links and read those resources.
2. Consider watching Lars Kroijer's investing demystified series on youtube, I am also a longtime fan of PensionCraft though some of his videos can be much more detailed.
3. Read beginner investing articles on monevator.com.

You don't just need the knowledge about the fund selection, it is also prudent to have some knowledge of personal finance, to plan your financial future and understand the different tax-wrapper accounts available to you and how your tax situation may be affected by those decisions.

This is not as simple as "tell me what to do", it is a serious and significant peice of learning, more akin to learning how to drive than a quick google search.

Thanks

Point 1
Point taken but much easier for those with knowledge to repost 
If they are prepared to do so.

Point 2 
Thanks

But to be honest a summary of these videos would be more use

Point 3

Ditto item 2

Having read comments to date I can see that I need more substantial help than I am likely to find on this forum

Apart from certain posters who have been really helpful

Thrugelmir

This is a discussion forum. No one is going to do all your leg work for you. Concise replies will simply lead to endless questions. There's no shortage of online resources to start your journey. Alternatively try the library. Quality newspapers and magazines available for free to read. 

DoneWorking

Thrugelmir said:

This is a discussion forum. No one is going to do all your leg work for you. Concise replies will simply lead to endless questions. There's no shortage of online resources to start your journey. Alternatively try the library. Quality newspapers and magazines available for free to read. 

Too often it's more than a discussion forum

I've seen many instances of people berating posters looking for basic advice

kuratowski

You can use this link to find a financial adviser. 
https://adviserbook.co.uk/
I would suggest you tick "confirmed independent".

This forum is more akin to a pub discussion; some people might tell you what works for them, but you have no way to know whether it would be right for your personal situation.

DoneWorking

kuratowski said:

You can use this link to find a financial adviser. 
https://adviserbook.co.uk/
I would suggest you tick "confirmed independent".

This forum is more akin to a pub discussion; some people might tell you what works for them, but you have no way to know whether it would be right for your personal situation.

Thanks

That is in my opinion good advice

Thrugelmir

DoneWorking said:

Thrugelmir said:

This is a discussion forum. No one is going to do all your leg work for you. Concise replies will simply lead to endless questions. There's no shortage of online resources to start your journey. Alternatively try the library. Quality newspapers and magazines available for free to read. 

Too often it's more than a discussion forum

I've seen many instances of people berating posters looking for basic advice

Written word is far too often misconstrued. I'd have no hesitation in reporting posts that were unneccessarily harsh.  It's a place for grown up's though I'd agree. Investors ideally need to be emotionally detached. Far too easy to lose money speculatating on the markets. 

bostonerimus

You don't necessarily need professional advice. Investing is quite simple once you get rid of the 99% of the rubbish placed  in front of you by the financial industry and it's marketing minions. There is no hurry, never feel pressurized to do anything. But rather than asking for advice on this board about specific funds you should be educating yourself about personal finances and investing. It won't take long! There are plenty of books and internet information available. So ask the people on here for recommendations. I'll start with a web link to a guide to UK investing using the philosophy of the man who started Vanguard Funds, Jack Bogle..https://www.bogleheads.org/wiki/Investing_from_the_UK