We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Safe Funds with good returns

Options
2»

Comments

  • Albermarle
    Albermarle Posts: 27,762 Forumite
    10,000 Posts Seventh Anniversary Name Dropper
    From HL website today.

    Cumulative performance

    Investment3 months6 months1 year
    Vanguard FTSE Global All Cap Index Acc GBP5%6.76%21.36%
  • dunstonh
    dunstonh Posts: 119,624 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Which is why i am considering putting it in the HL instead? I may be missing something here so please enlighten me but when i see the gains on both of these it would make sense to put it in the Growth fund instead?
    Its difficult to say on the limited information you have provided but the fact is that the HL fund is more expensive and has underperformed the Vanguard fund consistently. 

    Any differences you are seeing could be for several reasons. For example:
    1) different dates used for the comparative returns (we have seen posters fall for that before)
    2) annualisation of the growth rate on one but not the other,   e.g. if you have done 9 months with one, it then shows an annualised rate based on that 9 months whereas the other one has a full year.    Or where one has been held for 2 years and given an average of the two years but the other held for a greater or shorter period and the average is different. - averaging over short terms is not a good way as what if one we held during a negative period and the other was not. 
    3) an error in the reporting
    4) one has regular contributions and the other does not.

    The bottom line is that what you are seeing and you believe you are seeing is not the same thing.   The Vanguard fund is by far the better option.


    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Eyeful
    Eyeful Posts: 938 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    edited 8 January at 5:48PM
    It's not just  academics that believe that after charges are applied, most active fund manager fail to bet a
    Simple Major World Index.

    1. The late John Bogle said " instead of looking for the needle in the haystack, just buy the haystack"

    2. Warren Buffett famously stated that "the know-nothing investor can actually out-perform most investment professionals" by periodically investing in index funds"

    3. Jack R. Meyer said " Investors should simply have index funds to keep their fees low and their taxes down. No doubt about it .”

    4. Read: https://www.biglawinvestor.com/meet-the-gotrocks-family/
    or there is this version of  the parable
    https://www.businessinsider.com/warren-buffett-2016-6?op=1

    If you do not know who these well known people are, just google their names. Plenty of info on all three..
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.