S&S ISA Funds Suggestion

mazibee

aroominyork said:

If you are only choosing countries because of past performance you are very likely to get a shock. Past performance is NOT a guide to future returns. A few years ago that would have led you to Japanese smaller companies, but since their highpoint in 2020 you might have lost up to half you money while the rest of the world's markets rose strongly.

Agreed 100% that past performance is NOT a guide to future returns.

Qyburn

mazibee said:

-- Is there any website from where last 10 years Cumulative performance of the above funds can be checked?

Morningstar ..
https://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=F00000QU2W

mazibee

dunstonh said:

IIRC,  the L&G internal index fund is excluding UK and emerging markets (im not looking it up on a bank holiday).   So, you would need a UK equity fund and an emerging markets fund to go with it.

Remove the fashion investing and past performance selections from the list and you are left with either the L&G fund selecting your own degree of home bias and emerging markets or an all world tracker with market cap.

Thanks for your reply.
Will wait for your suggestion on UK Equity Fund and Emerging Market fund to go along with L&G International Index?

mazibee

Any comments on
-- Buying the funds in one go or drip feed?
--HL MULTI-INDEX ADVENTUROUS CLASS A - ACCUMULATION (GBP) (OCF is 0.30%) This fund will be starting on 06-06-2024

Albermarle

mazibee said:

Any comments on
-- Buying the funds in one go or drip feed?
--HL MULTI-INDEX ADVENTUROUS CLASS A - ACCUMULATION (GBP) (OCF is 0.30%) This fund will be starting on 06-06-2024

I believe it is not 100% equity, so it is different to all the other ones you are looking at.

masonic

mazibee said:

eskbanker said:

mazibee said:
The previous thread you have mentioned , I was asking for my son.

Now I have opened for S&S ISA for myself.

Hence "Even though it sounds like a different account, isn't the fund selection issue much the same"!  If you have different requirements that would affect fund selection, what are they?

Requirements are same, safety of the principal amount and then growth?

Hopefully it goes without saying that the funds being discussed are not compatible with a primary objective of protecting the capital amount. In the event of a crash, there could be a significant loss of capital, perhaps greatest in those that have enjoyed the highest past returns. People investing in such funds would do so with growth as their priority and little concern for safety.

Ivkoto

Why don't invest in ETF's instead of funds? HL is capping the platform charge at £45 a year regardless the amount. Anything above £10000 makes financial sense to be in ETF's.

dunstonh

Ivkoto said:

Why don't invest in ETF's instead of funds? HL is capping the platform charge at £45 a year regardless the amount. Anything above £10000 makes financial sense to be in ETF's.

ETFs are considered higher risk than OEIC/UT equivalents.   No FSCS protection and a knowledge risk (especially with respect to the replication method).   So, whilst there is a cost saving with certain providers, the OP will need to show a bit more understanding of the risks and issues.

aroominyork

dunstonh said:

IIRC,  the L&G internal index fund excludes UK and emerging markets (im not looking it up on a bank holiday).  

So only half a busman's holiday for you. Not in the office, not on the beach, stranded somewhere in between.

dunstonh

aroominyork said:

dunstonh said:

IIRC,  the L&G internal index fund excludes UK and emerging markets (im not looking it up on a bank holiday).  

So only half a busman's holiday for you. Not in the office, not on the beach, stranded somewhere in between.

stranded in between sums up my day!