Investing in Global Trackers and other similar investments

DoneWorking

Thrugelmir said:

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. 

Thanks

No offense intended

DoneWorking

bostonerimus said:

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

Thanks

That's is welcome information

I must admit I'm disallusioned by many in the investment industry

Very few businesses expect full payment if they do not fulfill their clients expectations

Why do they expect full remuneration after catastrophic results

JakeHyde

steampowered said:

There's lots of information online to get you started. The Monevator website might be a good place to start. 

randompenitent said:

The Youtube videos produced by Pensioncraft are a great resource as well. 

See, this is why I need to spend more time on here. I don't know what I don't know, so I don't know what questions to ask or where to start getting educated on these matters.  So all these links are super helpful! 🙏

I've mainly been watching youtube: Mark Tilbury, Sasha Yanshin, Chris Bourn etc.  Most of it goes above my head, but I;m trying to connect the dots! 🤣

JakeHyde

DoneWorking said:

I have no knowledge of this kind of investment and would want something that is mid risk and regularly updated by the provider

I don't what others think about this on here, but have you looked in to The Motley Fool? (I can't post a link)
I think they have a subscription service, giving you all the hot tips etc.

bostonerimus

JakeHyde said:

DoneWorking said:

I have no knowledge of this kind of investment and would want something that is mid risk and regularly updated by the provider

I don't what others think about this on here, but have you looked in to The Motley Fool? (I can't post a link)
I think they have a subscription service, giving you all the hot tips etc.

Motley Fool started out ok, but that was a long time ago and now it's pretty much a cess pool of dodgy recommendations and adverts. I would avoid it. And definitely avoid "all the hot tips", all they will do is burn you.

CheekyMikey

DoneWorking said:

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.

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.

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

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

You were provided a few days ago with suggestions as to some tracker funds for growth and wealth preservation investment trusts to safeguard your capital against inflation. If you’d come back having researched those with a few more focussed and related follow up questions I think it would be received better than just posting your list of requirements again and then berating the forum for not helping you. If, as you say, you want a clearer understanding you’ll not get it by keeping posting asking the same broad brush questions every time and getting a raft of suggestions. If you come back and say I’m thinking of fund x or IT y, do you think they meet my objective which is this, you might get clearer concise guidance.

DoneWorking

CheekyMikey said:

DoneWorking said:

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.

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.

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

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

You were provided a few days ago with suggestions as to some tracker funds for growth and wealth preservation investment trusts to safeguard your capital against inflation. If you’d come back having researched those with a few more focussed and related follow up questions I think it would be received better than just posting your list of requirements again and then berating the forum for not helping you. If, as you say, you want a clearer understanding you’ll not get it by keeping posting asking the same broad brush questions every time and getting a raft of suggestions. If you come back and say I’m thinking of fund x or IT y, do you think they meet my objective which is this, you might get clearer concise guidance.

I did mention that I was reposting on this topic as I wanted to keep it separate from other items on a previous post

If people could provide some links and proposals I am happy to read these

If they can answer any of my queries that's even better

I am more than happy to read and follow up all comments

But I find negative comments really difficuilt to deal with as I'm finding this matter incredibly stressful

Maybe it's the way I've posted my search for guidance 
If so I'd appreciate clear positive responses

Tell me I'm asking the wrong questions if you wish
But please refrain from giving me and others a dressing down

Instead please try to point me in the right direction

Many responders on here have done this and it is very much appreciated

Thanks and apologies if I have upset anyone by my previous comments

GeoffTF

You have posted many times, and got many helpful replies, along with the usual complement of red herrings. Our difficulty, is that you are not showing any evidence of an increased level of understanding. You have even asked for a summary of links. You will get nowhere unless to take the time to study them in detail, searching in Google for anything that you do not understand. Watching all the videos on this website is a reasonable place to start:

https://www.kroijer.com/

If you come back with detailed questions, rather than repeating the same general ones, you might start to make some progress.

Alistair31

DoneWorking said:

CheekyMikey said:

DoneWorking said:

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.

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.

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

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

You were provided a few days ago with suggestions as to some tracker funds for growth and wealth preservation investment trusts to safeguard your capital against inflation. If you’d come back having researched those with a few more focussed and related follow up questions I think it would be received better than just posting your list of requirements again and then berating the forum for not helping you. If, as you say, you want a clearer understanding you’ll not get it by keeping posting asking the same broad brush questions every time and getting a raft of suggestions. If you come back and say I’m thinking of fund x or IT y, do you think they meet my objective which is this, you might get clearer concise guidance.

Thanks and apologies if I have upset anyone by my previous comments

You certainly haven’t upset me but you haven’t answered my question either. 

Nebulous2

DoneWorking said:

CheekyMikey said:

DoneWorking said:

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.

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.

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

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

You were provided a few days ago with suggestions as to some tracker funds for growth and wealth preservation investment trusts to safeguard your capital against inflation. If you’d come back having researched those with a few more focussed and related follow up questions I think it would be received better than just posting your list of requirements again and then berating the forum for not helping you. If, as you say, you want a clearer understanding you’ll not get it by keeping posting asking the same broad brush questions every time and getting a raft of suggestions. If you come back and say I’m thinking of fund x or IT y, do you think they meet my objective which is this, you might get clearer concise guidance.

I did mention that I was reposting on this topic as I wanted to keep it separate from other items on a previous post

If people could provide some links and proposals I am happy to read these

If they can answer any of my queries that's even better

I am more than happy to read and follow up all comments

But I find negative comments really difficuilt to deal with as I'm finding this matter incredibly stressful

Maybe it's the way I've posted my search for guidance 
If so I'd appreciate clear positive responses

Tell me I'm asking the wrong questions if you wish
But please refrain from giving me and others a dressing down

Instead please try to point me in the right direction

Many responders on here have done this and it is very much appreciated

Thanks and apologies if I have upset anyone by my previous comments

We can see that you are stressed, but I think there is an issue with your tone as much as anything else. This is a forum of interested people, enthusiasts and some industry professionals sharing some information and having endless discussions. None of them owe you anything. 

Look at your first post: Please provide, please provide, please provide. That's not a way to address people you are asking for a favour. I have an elderly relative who snaps his fingers at waiting staff in restaurants when he wants something. It is cringeworthy, but it doesn't get him better service. 

If you are concerned about your money you can feed it in gradually. It isn't an all or nothing situation. 

We started with a similar sum to you a year ago and invested half and put half in premium bonds. This is money we don't need, but would find difficult to replace if we lost it. We knew it was a higher risk investment, but keeping half safe balanced that. 

We used ISAs for the investment to protect it from tax, filling 4 (two each from each financial year) Most of the money is in global trackers. I also picked some funds myself and they haven't done as well as the trackers. 

You can open an account with a broker  - buy a global tracker with £5k and then a month later put in another £5k. The HSBC one has been mentioned already - what do you think of it? Have you read the factsheet?