Your opinion please

Ivkoto
Forumite Posts: 16
Forumite

L&G Future World Global Equity Index Unhedged
L&G Future World Global Equity Index Hedged
What the forum members think about this fund? Would you choose hedged or unhedged? Is it well diversified?
Thank you.
https://fundcentres.lgim.com/srp/lit/mLEVjQ/Fact-sheet_Future-World-Global-Equity-Index-Fund-Future-World-Global-Equity-Index-Fund_31-03-2023_UK-INST.pdf
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Comments
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It's diversified in that it's a global index tracker. And then it's not as it is 100 percent equity. Which might not be a problem, but that depends on (a) attitude toward risk, (b) capacity for it and (c) what other investments you have.
I'm 100 percent equities in my DC scheme and will likely only dual down slightly nearer retirement. But SP and DB will be enough for my basic income.
As for hedged, it is more expensive so on probability, you will lose over the long term.
Other than that, the unhedged version is likely very similar to what I and many others wanting a low cost passive fund hold.
"Real knowledge is to know the extent of one's ignorance" - Confucius1 -
and d) When you expect to start drawing on the money and how quickly.1
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Ivkoto said:
L&G Future World Global Equity Index Unhedged
L&G Future World Global Equity Index Hedged
What the forum members think about this fund? Would you choose hedged or unhedged? Is it well diversified?
Thank you.
https://fundcentres.lgim.com/srp/lit/mLEVjQ/Fact-sheet_Future-World-Global-Equity-Index-Fund-Future-World-Global-Equity-Index-Fund_31-03-2023_UK-INST.pdf
Personal Responsibility - Sad but True
Sometimes.... I am like a dog with a bone2 -
kinger101 said:It's diversified in that it's a global index tracker. And then it's not as it is 100 percent equity. Which might not be a problem, but that depends on (a) attitude toward risk, (b) capacity for it and (c) what other investments you have.
I'm 100 percent equities in my DC scheme and will likely only dual down slightly nearer retirement. But SP and DB will be enough for my basic income.
As for hedged, it is more expensive so on probability, you will lose over the long term.
Other than that, the unhedged version is likely very similar to what I and many others wanting a low cost passive fund hold.
Thank you for the comment.
a) the attitude towards risk is the highest possible imo
b) I am not sure if the question is this, but at the moment I am able to put around £1200 a month with about 10% increase each year for at least 10 years ( in 10-12 years thinking to stop working)
c) my other investments are split in :
83% - developed countries equity fund ex UK
7% - UK equity fund
10% - EM equity fund0 -
cloud_dog said:Ivkoto said:
L&G Future World Global Equity Index Unhedged
L&G Future World Global Equity Index Hedged
What the forum members think about this fund? Would you choose hedged or unhedged? Is it well diversified?
Thank you.
https://fundcentres.lgim.com/srp/lit/mLEVjQ/Fact-sheet_Future-World-Global-Equity-Index-Fund-Future-World-Global-Equity-Index-Fund_31-03-2023_UK-INST.pdf
Thank you, it really makes sense!0 -
Ivkoto said:kinger101 said:It's diversified in that it's a global index tracker. And then it's not as it is 100 percent equity. Which might not be a problem, but that depends on (a) attitude toward risk, (b) capacity for it and (c) what other investments you have.
I'm 100 percent equities in my DC scheme and will likely only dual down slightly nearer retirement. But SP and DB will be enough for my basic income.
As for hedged, it is more expensive so on probability, you will lose over the long term.
Other than that, the unhedged version is likely very similar to what I and many others wanting a low cost passive fund hold.
Thank you for the comment.
a) the attitude towards risk is the highest possible imo
b) I am not sure if the question is this, but at the moment I am able to put around £1200 a month with about 10% increase each year for at least 10 years ( in 10-12 years thinking to stop working)
c) my other investments are split in :
83% - developed countries equity fund ex UK
7% - UK equity fund
10% - EM equity fund
"Real knowledge is to know the extent of one's ignorance" - Confucius1 -
kinger101 said:Ivkoto said:kinger101 said:It's diversified in that it's a global index tracker. And then it's not as it is 100 percent equity. Which might not be a problem, but that depends on (a) attitude toward risk, (b) capacity for it and (c) what other investments you have.
I'm 100 percent equities in my DC scheme and will likely only dual down slightly nearer retirement. But SP and DB will be enough for my basic income.
As for hedged, it is more expensive so on probability, you will lose over the long term.
Other than that, the unhedged version is likely very similar to what I and many others wanting a low cost passive fund hold.
Thank you for the comment.
a) the attitude towards risk is the highest possible imo
b) I am not sure if the question is this, but at the moment I am able to put around £1200 a month with about 10% increase each year for at least 10 years ( in 10-12 years thinking to stop working)
c) my other investments are split in :
83% - developed countries equity fund ex UK
7% - UK equity fund
10% - EM equity fund
Ok I see what you mean. From what I learned from this forum I will probably consider two options.
1. Keeping cash for at least 2 years and when bad times come for the markets using it and when recover (even not fully) to top it up
2. Buying shares in few companies with high dividends payment ( over 4%), which will be enough to cover my expenses
Unfortunately I'll not have any other assets.0 -
Ivkoto said:kinger101 said:Ivkoto said:kinger101 said:It's diversified in that it's a global index tracker. And then it's not as it is 100 percent equity. Which might not be a problem, but that depends on (a) attitude toward risk, (b) capacity for it and (c) what other investments you have.
I'm 100 percent equities in my DC scheme and will likely only dual down slightly nearer retirement. But SP and DB will be enough for my basic income.
As for hedged, it is more expensive so on probability, you will lose over the long term.
Other than that, the unhedged version is likely very similar to what I and many others wanting a low cost passive fund hold.
Thank you for the comment.
a) the attitude towards risk is the highest possible imo
b) I am not sure if the question is this, but at the moment I am able to put around £1200 a month with about 10% increase each year for at least 10 years ( in 10-12 years thinking to stop working)
c) my other investments are split in :
83% - developed countries equity fund ex UK
7% - UK equity fund
10% - EM equity fund
Ok I see what you mean. From what I learned from this forum I will probably consider two options.
1. Keeping cash for at least 2 years and when bad times come for the markets using it and when recover (even not fully) to top it up
2. Buying shares in few companies with high dividends payment ( over 4%), which will be enough to cover my expenses
Unfortunately I'll not have any other assets.
"Real knowledge is to know the extent of one's ignorance" - Confucius1 -
kinger101 said:Ivkoto said:kinger101 said:Ivkoto said:kinger101 said:It's diversified in that it's a global index tracker. And then it's not as it is 100 percent equity. Which might not be a problem, but that depends on (a) attitude toward risk, (b) capacity for it and (c) what other investments you have.
I'm 100 percent equities in my DC scheme and will likely only dual down slightly nearer retirement. But SP and DB will be enough for my basic income.
As for hedged, it is more expensive so on probability, you will lose over the long term.
Other than that, the unhedged version is likely very similar to what I and many others wanting a low cost passive fund hold.
Thank you for the comment.
a) the attitude towards risk is the highest possible imo
b) I am not sure if the question is this, but at the moment I am able to put around £1200 a month with about 10% increase each year for at least 10 years ( in 10-12 years thinking to stop working)
c) my other investments are split in :
83% - developed countries equity fund ex UK
7% - UK equity fund
10% - EM equity fund
Ok I see what you mean. From what I learned from this forum I will probably consider two options.
1. Keeping cash for at least 2 years and when bad times come for the markets using it and when recover (even not fully) to top it up
2. Buying shares in few companies with high dividends payment ( over 4%), which will be enough to cover my expenses
Unfortunately I'll not have any other assets.
Thank you for your feedback.
I have long way to go and definitely I will reconsider my options.
I expect my pot to be around £300k at the time when I'll be considering stop working. I'll be happy enough to live with around £12k a year in today's money worthiness (hopefully I won't be living in UK at that time) if everything stays roughly the same with exchange rates and prices. I won't be paying any rent or mortgage, so I need to make my pot working for me and deliver that amount without much reduction of the capital.
Also I'll be 10 to 12 years away before the SP kicks in ( it will be the maximum amount if I work for another 9 years ).0
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