Advice on True Potential LLP Investment Service

dunstonh

From memory I usually refer to Vanguard style funds

Vanguard have funds in most sectors that all the other fund house have funds in.

If you mean US equity, then Vanguard has some US equity funds.  As do most fund houses.
If you mean UK equity, then Vanguard has some UK equity funds.  As do most fund houses.
If you mean multi-asset funds, then Vanguard has some multi-asset funds. As do most fund houses.
Vanguard have funds in ETF form and OEIC form.  As do a number of other fund houses.
and so on.....

You need to move away from fund house name and get back to basics.  i.e. what are your objectives? what is the least risk you can take to achieve your objectives?  what solutions fit that?

Another thread pointed out that the worst-performing fund YTD in an area was a Vanguard fund.  So, you need to get the fund house name out of your head.  No fund house has the best funds in every area.      I have two Vanguard funds in my own portfolio.  I have funds from other fund houses as I believe them to be better than Vanguard in their respective areas.   

There are no Vanguard funds that are unique.  So, referring to Vanguard style funds pretty much covers over 50,000 investment funds in all the fund universes.

DoneWorking

eskbanker said:

DoneWorking said:

Albermarle said:

DoneWorking said:

eskbanker said:

DoneWorking said:

To be frank I'm going round in circles and getting nowhere

This is why I was looking for advice on Vanguard style investments

Perhaps already covered in one of the threads but 'Vanguard style investments' isn't really a thing!  They offer many types of investment, including multi-asset funds and trackers in ETF and OEIC form, but these aren't really associated specifically with Vanguard as such, so that's a bit like saying you're looking for a Ford-style car when you're actually specifically after, say, a hatchback....

Thanks

Apologies for my use of words

What I meant to say is that I was thinking about using Vanguard style funds or products 

But I do not currently have sufficient knowledge to move forward on this

You seem to be obsessing a bit about Vanguard . They are just one company of many offering similar products .
If you employ an IFA , they may well recommend other companies investment funds.

To use a similar analogy to one already used.
If you were searching for a new car , your first and most important decision is what type of car . Electric; hybrid; petrol; hatchback, estate , mini SUV; big SUV etc 
Only when you have made this decision can you then start thinking about what brand you prefer.

Same with investments . First you decide on the type of investments you want and at what risk level . Then only later pick the actual fund/manager. The former is by far the most important decision, the latter is less important.

From memory I usually refer to Vanguard style funds

I have been exploring other options too

But what do you actually mean by that?

Nobody's trying to pick holes for the sake of it but if you clarify what you mean then someone can advise what the normal recognised term would be, which should ultimately help you when researching your investment decisions....

Vanguard provides funds which people use for investment

Vanguard style funds means not only Vanguard funds but other similar funds

For example ETF funds supplied by HSBC

If I've got the terminology wrong then maybe it's because as I've stated many times I do not have a great knowledge of these funds

Please keep this in mind when responding

I joined this forum as I wanted help and guidance

I really am trying to increase my knowledge but find it all rather complex and daunting and I do not want to make any mistakes

DoneWorking

dunstonh said:

From memory I usually refer to Vanguard style funds

Vanguard have funds in most sectors that all the other fund house have funds in.

If you mean US equity, then Vanguard has some US equity funds.  As do most fund houses.
If you mean UK equity, then Vanguard has some UK equity funds.  As do most fund houses.
If you mean multi-asset funds, then Vanguard has some multi-asset funds. As do most fund houses.
Vanguard have funds in ETF form and OEIC form.  As do a number of other fund houses.
and so on.....

You need to move away from fund house name and get back to basics.  i.e. what are your objectives? what is the least risk you can take to achieve your objectives?  what solutions fit that?

Another thread pointed out that the worst-performing fund YTD in an area was a Vanguard fund.  So, you need to get the fund house name out of your head.  No fund house has the best funds in every area.      I have two Vanguard funds in my own portfolio.  I have funds from other fund houses as I believe them to be better than Vanguard in their respective areas.   

There are no Vanguard funds that are unique.  So, referring to Vanguard style funds pretty much covers over 50,000 investment funds in all the fund universes.

Thank you 
I refer you to the response I made earlier

Your reply is very helpful

as it sums up very clearly the nature of the funds in question

eskbanker

DoneWorking said:

eskbanker said:

DoneWorking said:

Albermarle said:

DoneWorking said:

eskbanker said:

DoneWorking said:

To be frank I'm going round in circles and getting nowhere

This is why I was looking for advice on Vanguard style investments

Perhaps already covered in one of the threads but 'Vanguard style investments' isn't really a thing!  They offer many types of investment, including multi-asset funds and trackers in ETF and OEIC form, but these aren't really associated specifically with Vanguard as such, so that's a bit like saying you're looking for a Ford-style car when you're actually specifically after, say, a hatchback....

Thanks

Apologies for my use of words

What I meant to say is that I was thinking about using Vanguard style funds or products 

But I do not currently have sufficient knowledge to move forward on this

You seem to be obsessing a bit about Vanguard . They are just one company of many offering similar products .
If you employ an IFA , they may well recommend other companies investment funds.

To use a similar analogy to one already used.
If you were searching for a new car , your first and most important decision is what type of car . Electric; hybrid; petrol; hatchback, estate , mini SUV; big SUV etc 
Only when you have made this decision can you then start thinking about what brand you prefer.

Same with investments . First you decide on the type of investments you want and at what risk level . Then only later pick the actual fund/manager. The former is by far the most important decision, the latter is less important.

From memory I usually refer to Vanguard style funds

I have been exploring other options too

But what do you actually mean by that?

Nobody's trying to pick holes for the sake of it but if you clarify what you mean then someone can advise what the normal recognised term would be, which should ultimately help you when researching your investment decisions....

Vanguard provides funds which people use for investment

Vanguard style funds means not only Vanguard funds but other similar funds

For example ETF funds supplied by HSBC

If I've got the terminology wrong then maybe it's because as I've stated many times I do not have a great knowledge of these funds

Please keep this in mind when responding

I joined this forum as I wanted help and guidance

I really am trying to increase my knowledge but find it all rather complex and daunting and I do not want to make any mistakes

Yes, I appreciate that you're trying to learn, which is why I (and others) were trying to help, not by seeking to catch you out but by highlighting that using inaccurate terminology will actually hinder your chances of (a) understanding the options and (b) explaining to others what you're looking for.

It now seems clear that when you say 'Vanguard style funds', what you actually mean is 'funds' (and perhaps ETFs too), which is fine!

masonic

eskbanker said:

It now seems clear that when you say 'Vanguard style funds', what you actually mean is 'funds' (and perhaps ETFs too), which is fine!

Or potentially 'index funds' as opposed to actively managed funds.

eskbanker

masonic said:

eskbanker said:

It now seems clear that when you say 'Vanguard style funds', what you actually mean is 'funds' (and perhaps ETFs too), which is fine!

Or potentially 'index funds' as opposed to actively managed funds.

Quite possibly, but that's really what I was trying to ascertain from OP, i.e. which meaningful subsets of the investment universe(s) are under consideration - active v passive is obviously a valid differentiator used by many, but, without looking to confuse OP even further, one of Vanguard's most popular products (LifeStrategy) is based on underlying passives but overlaid with active (and distinctive) decisions about their selection and proportions!

DoneWorking

eskbanker said:

DoneWorking said:

eskbanker said:

DoneWorking said:

Albermarle said:

DoneWorking said:

eskbanker said:

DoneWorking said:

To be frank I'm going round in circles and getting nowhere

This is why I was looking for advice on Vanguard style investments

Perhaps already covered in one of the threads but 'Vanguard style investments' isn't really a thing!  They offer many types of investment, including multi-asset funds and trackers in ETF and OEIC form, but these aren't really associated specifically with Vanguard as such, so that's a bit like saying you're looking for a Ford-style car when you're actually specifically after, say, a hatchback....

Thanks

Apologies for my use of words

What I meant to say is that I was thinking about using Vanguard style funds or products 

But I do not currently have sufficient knowledge to move forward on this

You seem to be obsessing a bit about Vanguard . They are just one company of many offering similar products .
If you employ an IFA , they may well recommend other companies investment funds.

To use a similar analogy to one already used.
If you were searching for a new car , your first and most important decision is what type of car . Electric; hybrid; petrol; hatchback, estate , mini SUV; big SUV etc 
Only when you have made this decision can you then start thinking about what brand you prefer.

Same with investments . First you decide on the type of investments you want and at what risk level . Then only later pick the actual fund/manager. The former is by far the most important decision, the latter is less important.

From memory I usually refer to Vanguard style funds

I have been exploring other options too

But what do you actually mean by that?

Nobody's trying to pick holes for the sake of it but if you clarify what you mean then someone can advise what the normal recognised term would be, which should ultimately help you when researching your investment decisions....

Vanguard provides funds which people use for investment

Vanguard style funds means not only Vanguard funds but other similar funds

For example ETF funds supplied by HSBC

If I've got the terminology wrong then maybe it's because as I've stated many times I do not have a great knowledge of these funds

Please keep this in mind when responding

I joined this forum as I wanted help and guidance

I really am trying to increase my knowledge but find it all rather complex and daunting and I do not want to make any mistakes

Yes, I appreciate that you're trying to learn, which is why I (and others) were trying to help, not by seeking to catch you out but by highlighting that using inaccurate terminology will actually hinder your chances of (a) understanding the options and (b) explaining to others what you're looking for.

It now seems clear that when you say 'Vanguard style funds', what you actually mean is 'funds' (and perhaps ETFs too), which is fine!

Thanks Eskbanker

DoneWorking

eskbanker said:

masonic said:

eskbanker said:

It now seems clear that when you say 'Vanguard style funds', what you actually mean is 'funds' (and perhaps ETFs too), which is fine!

Or potentially 'index funds' as opposed to actively managed funds.

Quite possibly, but that's really what I was trying to ascertain from OP, i.e. which meaningful subsets of the investment universe(s) are under consideration - active v passive is obviously a valid differentiator used by many, but, without looking to confuse OP even further, one of Vanguard's most popular products (LifeStrategy) is based on underlying passives but overlaid with active (and distinctive) decisions about their selection and proportions!

Thanks

I'm only just getting to grips with the different options available