Investing in Global Trackers and other similar investments

k_man

DoneWorking said:

eskbanker said:

DoneWorking said:

cheerfulcat said:

I have to say that I haven’t seen any rude or offensive remarks directed at you. 

Most people have been very helpful

Maybe I'm just over reacting

I think it's best to deal with people the way you would speak to your mother or father

With respect

That's all very laudable, but it isn't a particularly realistic benchmark for online discussion forums, although the forum rules do set out expectations:

1. Keep it kind and keep it clean.

Be respectful, polite, friendly and mindful of the impact of your posts to other community members, Forum Ambassadors and MSE staff – everyone is human here. This rule is non-negotiable.

The forum guidelines are more or less what I said

Stated simply

Be polite and respectful

Often you will have no idea of the person you are responding to or their circumstances

I suspect some of the replies that are slightly less  polite than you would expect, are as a result of your first post, which unfortunately reads like exam questions, with 14 sections.

People are quite happy to give assistance, but don't want to write an essay for you.

DoneWorking said:

cheerfulcat said:

I have to say that I haven’t seen any rude or offensive remarks directed at you. 

Most people have been very helpful

Maybe I'm just over reacting

I think it's best to deal with people the way you would speak to your mother or father

With respect

Or to put it another way, the OP doesn't sound like the sort of question, or level of detail, I would expect to ask my parents.

But I might ask:

What's the difference between a and b?

Or

Do you have any experience of c?

DoneWorking

k_man said:

DoneWorking said:

eskbanker said:

DoneWorking said:

cheerfulcat said:

I have to say that I haven’t seen any rude or offensive remarks directed at you. 

Most people have been very helpful

Maybe I'm just over reacting

I think it's best to deal with people the way you would speak to your mother or father

With respect

That's all very laudable, but it isn't a particularly realistic benchmark for online discussion forums, although the forum rules do set out expectations:

1. Keep it kind and keep it clean.

Be respectful, polite, friendly and mindful of the impact of your posts to other community members, Forum Ambassadors and MSE staff – everyone is human here. This rule is non-negotiable.

The forum guidelines are more or less what I said

Stated simply

Be polite and respectful

Often you will have no idea of the person you are responding to or their circumstances

I suspect some of the replies that are slightly less  polite than you would expect, are as a result of your first post, which unfortunately reads like exam questions, with 14 sections.

People are quite happy to give assistance, but don't want to write an essay for you.

DoneWorking said:

cheerfulcat said:

I have to say that I haven’t seen any rude or offensive remarks directed at you. 

Most people have been very helpful

Maybe I'm just over reacting

I think it's best to deal with people the way you would speak to your mother or father

With respect

Or to put it another way, the OP doesn't sound like the sort of question, or level of detail, I would expect to ask my parents.

But I might ask:

What's the difference between a and b?

Or

Do you have any experience of c?

I agree my original post could have been better.

bostonerimus

GazzaBloom said:

No-one knows the future, yes, we may be in for a prolonged downturn unlike any other we've seen,  but that does not mean that the performance of a typical multi-asset managed fund will fare dramatically better than a portfolio of stock/bonds index funds. Well researched historical data bears this out.

Investing in index funds does not equate to "over confidence" for some it in fact may be quite the opposite.

People always need to be aware of risk as well as potential return. We are all assuming that the long term historical trend for economies to grow continues and if that doesn't happen then the foundation of the DC retirement philosophy crumbles. We can try to insulate ourselves from stock market downturns by being frugal, avoiding debt and saving to less volatile financial products. My approach has always been to control my cost of living and lock in enough non-stock/bond market income sources so that I can be aggressive with the rest of my money and stop worrying about how it's doing. Financial independence is when you don't think about money anymore and don't mind if you lose it.

DoneWorking

On seeking an IFA to help me set up my investments options some one I know well has recommended a small IFA Company

The IFA Company are an appointed representative of Quilter Financial Ltd

Anyone know if this is a good set up and if Quilter have a good reputation in investments

bostonerimus

DoneWorking said:

On seeking an IFA to help me set up my investments options some one I know well has recommended a small IFA Company

The IFA Company are an appointed representative of Quilter Financial Ltd

Anyone know if this is a good set up and if Quilter have a good reputation in investments

An IFA should be independent. Who gave you this recommendation. Ask about fees. But before you do anything take the time to read and understand all the investment links you have been given. If you go with an outfit like Quilter you will probably pay relatively high fees when you could save a lot by simply buying a multi-asset fund from Vanguard, HSBC, Blackrock etc. Sit down and take a month to develop your own financial plan before you do anything. There is no hurry and once you choose a path there's often a lot of inertia involved in trying to change.

DoneWorking

bostonerimus said:

DoneWorking said:

On seeking an IFA to help me set up my investments options some one I know well has recommended a small IFA Company

The IFA Company are an appointed representative of Quilter Financial Ltd

Anyone know if this is a good set up and if Quilter have a good reputation in investments

An IFA should be independent. Who gave you this recommendation. Ask about fees. But before you do anything take the time to read and understand all the investment links you have been given. If you go with an outfit like Quilter you will probably pay relatively high fees when you could save a lot by simply buying a multi-asset fund from Vanguard, HSBC, Blackrock etc. Sit down and take a month to develop your own financial plan before you do anything. There is no hurry and once you choose a path there's often a lot of inertia involved in trying to change.

It was a friend who uses them

I'm not committing my self straight away

Just looking into options

Thanks for your advice

dunstonh

DoneWorking said:

On seeking an IFA to help me set up my investments options some one I know well has recommended a small IFA Company

The IFA Company are an appointed representative of Quilter Financial Ltd

Anyone know if this is a good set up and if Quilter have a good reputation in investments

Quilter are FAs.  Not IFAs.   Quilter network uses Quilter reps selling Quilter investments on the Quilter platform.  Depending on how much the FA has decided to restrict, they may have access to a small panel of non-quilter funds).

DoneWorking

dunstonh said:

DoneWorking said:

On seeking an IFA to help me set up my investments options some one I know well has recommended a small IFA Company

The IFA Company are an appointed representative of Quilter Financial Ltd

Anyone know if this is a good set up and if Quilter have a good reputation in investments

Quilter are FAs.  Not IFAs.   Quilter network uses Quilter reps selling Quilter investments on the Quilter platform.  Depending on how much the FA has decided to restrict, they may have access to a small panel of non-quilter funds).

Thanks

I won't be using this IFA

dunstonh

DoneWorking said:

dunstonh said:

DoneWorking said:

On seeking an IFA to help me set up my investments options some one I know well has recommended a small IFA Company

The IFA Company are an appointed representative of Quilter Financial Ltd

Anyone know if this is a good set up and if Quilter have a good reputation in investments

Quilter are FAs.  Not IFAs.   Quilter network uses Quilter reps selling Quilter investments on the Quilter platform.  Depending on how much the FA has decided to restrict, they may have access to a small panel of non-quilter funds).

Thanks

I won't be using this IFA

They are not an IFA.
You have FAs and you have IFAs.   FAs have restrictions on their services. Sometimes limited restrictions but usually the restrictions are tied to a single product provider or a single platform and DFM.  IFAs are independent and have no restrictions and can !!!!!! from the whole of market.

Quite a few of the ones you have named previously have been FAs

DoneWorking

dunstonh said:

DoneWorking said:

dunstonh said:

DoneWorking said:

On seeking an IFA to help me set up my investments options some one I know well has recommended a small IFA Company

The IFA Company are an appointed representative of Quilter Financial Ltd

Anyone know if this is a good set up and if Quilter have a good reputation in investments

Quilter are FAs.  Not IFAs.   Quilter network uses Quilter reps selling Quilter investments on the Quilter platform.  Depending on how much the FA has decided to restrict, they may have access to a small panel of non-quilter funds).

Thanks

I won't be using this IFA

They are not an IFA.
You have FAs and you have IFAs.   FAs have restrictions on their services. Sometimes limited restrictions but usually the restrictions are tied to a single product provider or a single platform and DFM.  IFAs are independent and have no restrictions and can !!!!!! from the whole of market.

Quite a few of the ones you have named previously have been FAs

One of the IFAs I have been in touch with says he is definitely an IFA 
He said he would use the Transact Platform for my investment arrangements

He says this would be suitable for me.
I asked if it was ok for funds under £600k and he assured me it was.
 
He said Transact is a very reliable, financially strong investment platform and are one of their recommended platform providers.
They regularly carry out due diligence on them to ensure they remain appropriate for their clients needs.