S&P 500 VUAG £1000 here's how it's profiting6mnth,now

gesdt50

Good afternoon all as per title I have near £1,000 in. S&p VUAG for 6 months now and it's showing I have a profit of 4 pence - not exactly the kinds of interest I was expecting from listening to podcasts & experts that said that even a bog standard GIA(General account) would earn 6-8% interest, even my maths is telling me that 4p is not 6% at least. There's no charges on the account otherwise apart from the 0.07 which I'm not sure if that is to come off upon withdrawing the cash or coins in this case.

Have I just chosen a really bad eft? as if I continue for a few decades I might get near a quid? , got to take the experts advice and invest long term at least 10 years!?

booneruk

The market goes up and down - especially when the orange lunatic rocks the boat.

Over the last 30 years or so, the market has averaged 6-8% real terms return per annum.

GrumpyDil

Yup, in case you hadn't noticed a certain country is causing quite a lot of instability in the markets.

I would expect you to have shown more profit before that all kicked off

Stargunner

Are you not aware that stock markets go down as well as up. If you wanted something that always went up, you should have put your £1000 in a savings account.

Woodstok2000

https://forums.moneysavingexpert.com/discussion/6660294/s-p-500-vuag-1000-here-039-s-how-it-039-s-profiting6mnth-now

Thr S&P 500, which your ETF tracks, is basically level looking back to 6 months ago. Look back 5 years and it's increased 70%. Thats why you invest for the long term.

PropertyGuru_Wannabe

If your fund showed that it only had £600 left of your £1000 investment, would you capitulate and sell it all? If so, then your risk appetite is low and that fund is definitely not suitable for you.

Linton

No expert will tell you that an S&P500 will increase by 6-8% every year. They may tell you that based on historical data 6-8% is a reasonable long term average. Even that is of limited use in predicting the future,particularly in the short term. Short term could be regarded as anything less than 10 years.

dunstonh

Good afternoon all as per title I have near £1,000 in. S&p VUAG for 6 months now and it's showing I have a profit of 4 pence - not exactly the kinds of interest I was expecting from listening to podcasts & experts that said

a) an investment cycle is typically 15-20 years. So, looking at it after 6 months is pretty pointless.

b) US equities have been weak for UK investors since the end of 2024. Global has been better. Historically, US vs Global ex US cycle with each other. hence why you dont pick on country in the world to invest in

c) which influencers (are influencers actually experts?) told you that investing solely in the S&P500 was a good idea? its not - its bad quality investing.

d) S&P500 doesn't pay any interest. Its also low yield for dividends so you dont get much from them either.

Have I just chosen a really bad eft? as if I continue for a few decades I might get near a quid? , got to take the experts advice and invest long term at least 10 years!?

who are these experts you are referring to? An expert would never tell you to invest solely in one country. An inexperienced or low knowledge infleuncer may do though.

seacaitch

»» S&p VUAG for 6 months now and it's showing I have a profit of 4 pence - not exactly the kinds of interest I was expecting from listening to podcasts & experts that said that even a bog standard GIA(General account) would earn 6-8% interest ««

This illustrates why financial education in schools is so desperately needed. Harsh? But true.

QrizB

Interesting that, six months ago, OP was advised to understand what they were doing before they did it:

https://forums.moneysavingexpert.com/discussion/6622733/vanguard-90-a-share

jimjames

S&p VUAG for 6 months now and it's showing I have a profit of 4 pence - not exactly the kinds of interest I was expecting from listening to podcasts & experts that said that even a bog standard GIA(General account) would earn 6-8% interest,

I think you need to do more research before you invest anything else. You don't earn any interest(s) on that investment. You might get capital growth over time and possibly dividends but if you expect interest you will be disappointed