Investment

[Odds]

Not if you buy a passive tracker fund, they are generally considered ideal for the person who wants the advantages of stock market returns without the effort, expertise, and especially the luck, to manage a successful portfolio themselves.

Perhaps you are that person.

Isn't this why most folk have a stockbroker?

 

[Highway Man]

I hope you never think about buying a van.

 

[Highway Man]

Not if you buy a passive tracker fund, they are generally considered ideal for the person who wants the advantages of stock market returns without the effort, expertise, and especially the luck, to manage a successful portfolio themselves.

Perhaps you are that person.

I am definately that person.

 

[JohnD]

Isn't this why most folk have a stockbroker?

I have not used a traditional stockbroker for years.

You are perhaps thinking that they will encourage you to buy and sell according to special information they know, and expertise, that is not available to the market as a whole, and reflected in the market price?

Improbable.

But reflect on the fact that they more they churn your account, with buy and sell orders, the more profit they make in commissions.

 

[Dec27]

I am definately that person.

Pension or a low risk fund for you mate. Slow and steady

 

[Highway Man]

Pension or a low risk fund for you mate. Slow and steady

I think that is me. chasing a quick buck would result in me being pennyless.

 

[Dec27]

I think that is me. chasing a quick buck would result in me being pennyless.

£250 a week in your pension might be the best idea.

 

[Highway Man]

£250 a week in your pension might be the best idea.

I think that is sensible as every penny that goes in will come out to me.

 

[JohnD]

I think that is sensible as every penny that goes in will come out to me.

Every £250 you put into your pension turns into £312.50, just by the tax rebate. Nothing else does that.

 

[Highway Man]

Every £250 you put into your pension turns into £312.50, just by the tax rebate. Nothing else does that.

I am sold on that now.

 

[motorbiking]

From google -Over the last 3 years, the Vanguard FTSE All-World UCITS ETF (VWRL.L) has delivered a cumulative total return of approximately +65.2% (or about +49.1% after UK CPIH inflation), with an annualised 3-year return of roughly 18.44%. Sounds better than Motties 5%

If you hold it outside an ISA you have to track your holdings for ERI tax. If that is the case VWRL might be easier as you will have clear dividend payments. Again. Multiple streams of income can reduce your tax burden.

 

[JohnD]

I am sold on that now.

Thank fcku for that.

 

[motorbiking]

It appears that in order to do stock markets, you really need to know your stuff and take action at the appropriate tmes, to me this is too much info required and seems very risky. I prefer to have less of a return in order to garantee not to lose any money. My savings account pays me a % that makes money rather than losing it. It is easy for those who understand the stock market to trade but for me it would be disastrous. I will be looking at ISA's and Premium bonds though.

This is why people are suggesting all world “buy and almost forget” trackers. Time in the market usually beats timing the market.

 

[Highway Man]

Thank fcku for that.

You should know you don't make rash decisions where money is concerned, I am now confident that my great pension fund idea is an acceptable and viable thing to do.

 

[Highway Man]

This is why people are suggesting all would “buy and almost forget” trackers. Time in the market usually beats timing the market.

Food for thought, so I just leave it alone without having to make decisions on my own over where and when to buy?