Fund Performance - Mobius Life Equity Accumulation

robatwork

JohnWinder said:

‘I believe the fee’s are 0.75%.

There aren’t many fund options ... It appears I am stuck with the current heavy UK waiting which is frustrating to say the least

Let’s acknowledge that one fund, any fund, can easily get higher returns than another by 0.6%/year; indeed 1 or 2%/year if the funds are different enough. But in cases where the funds are not a lot different we can’t be sure which will return 0.6%/year more.
When you pay 0.75%/year in fees instead of 0.15% you can be sure how much you’d be better off with one vs the other with respect to fees. That’s why it’s important to be respectful of fees and not focus purely on fund composition. You seemed not to do that, thus my comment.

My point (and much more eloquently put - Tim Hale's) is this. If you're an unsophisticated investor as the OP, myself, and probably everybody, actually is, costs are the one thing we can control. Fund performance we can't. 

Who knows if the US will continue to outperform the UK? Imagine the OP puts 70% of his funds into the US on Monday. Next year they tank and the UK storms ahead. Unlikely but nobody in here will come back to apologise. 

OP always focus first on costs, and do some research on funds.

dunstonh

OP always focus first on costs, and do some research on funds.

No.  Focus should be on suitability first and then costs.   Otherwise people will just end up in cash savings as there are no explicit charges (putting aside implicit charges as that is a different subject).