10/08/2018 | 27/08/2020 | 7. Is there a reason you don’t list Saga in your Best Buys? I made contact and complained. A key mutual fund distinction to understand is that there are active funds and passive funds -- that is, funds that are actively or passively managed. 12/11/2018 | I’m 36 years old, earn £85k, and have about £40k savings in the bank, mainly in an old ISA that I’ve done nothing with. We have four grandchildren (2 English living in UK, and 2 Irish living in Eire). Richard | Barry | Greater London | I’m 47, have two primary school age children, & live in central London. Should I go with a Stocks and Shares ISA or a Robo Advisor, or both? However, I'm wondering if I should be doing more? 6. 08/08/2018 | I want to move my children's stocks and shares ISA to a robo adviser - what are my options? Do I need to up the total investment to cover the minimum on all funds, or rotate which fund gets what each time? I want to see their track records. I also have 4 different pensions on the go. Are there any courses you can recommend? We have just retired to France. Collectively, you have increased the amount you're investing in more specific geographies and sectors, although still the majority are sitting tight. Where are people putting their money since the stock market crash? Manchester & London +22% Independent, no-nonsense ratings and reviews. Surrey | Meanwhile, the subset of stock index funds sported a median of 0.33%. Our free weekly blog with Holly's But it is possible to find some great managed funds that will outperform, if you're willing to take the chance and you want to put in the effort. 29/07/2020 | 30/05/2019 | To allow me to go part-time, I will need about £25,000 until March 2020 when I will be retiring. Well, several things. 16/01/2019 | 1. The second part to the question is how long should you leave an underperforming fund? I recently came across your blog and it has been a great introduction to learning about my personal finances. Many sport ultra-low fees, which lets you keep most of any gains, and their turnover rates are low, too, as each fund only has to buy and hold the same securities as the index it's tracking. My 60 year old mum is not very financially literate and has has no private pension. 02/01/2019 | 06/08/2018 | What if the platform I'm using has a minimum regular investment? Hertfordshire | I am happy with balanced and some element of high risk. Also I would like to make an investment, & don't know where to start? I am 54, so what should I consider to be an appropriate time frame for any investment I make, that could supply the best results? 1. Rita | Fidelity Low-Priced Stock (NASDAQMUTFUND:FLPSX), Primecap Odyssey Stock (NASDAQMUTFUND:POSKX), T. Rowe Price Blue Chip Growth (NASDAQMUTFUND:TRBCX), T. Rowe Price Communications & Technology (NASDAQMUTFUND:PRMTX), Vanguard Health Care Investor (NASDAQMUTFUND:VGHCX), Dodge & Cox Income (NASDAQMUTFUND:DODI.X), Vanguard Dividend Appreciation ETF (NYSEMKT:VIG), Matthews Pacific Tiger Investor (NASDAQMUTFUND:MAPTX), Buffalo International (NASDAQMUTFUND:BUFIX), Fidelity Total Bond Fund (NASDAQMUTFUND:FTBFX), For many, if not most, people, index funds are best. Lindsell Train Global Equity is hanging on in here despite falling from grace with Hargreaves Lansdown customers. I assume these probably each carry a fee structure - is this correct? David | 06/08/2020 | 4. between PensionBee, Nutmeg, AJ Bell)? I don’t know what to do... Paul | I would be telling him to open these two funds and regularly invest and forget about them for 10 years! David | Do you have any books or reading material that gives a complete beginner a better understanding of how investing works? Acquire … I have just sold my house and have a significant sum of money I want to invest. How can I compare the performance of different tracker funds (e.g. I do realise that no dividend is being paid. My Fundsmith accumulation Class 1 investment fund has done well over the last 5 years, and its share price today is just about the highest it's ever been. I am still a beginner and would like to keep things simple, but happy to take risk and prepared to leave my investments for a long time. Jennifer | 4. I can dedicate some time to DIY investing but not a significant amount of time. We have decided to start savings plans for their futures. Any bright ideas please? The median annual fee ("expense ratio") for stock mutual funds was recently 1.16%, per the Investment Company Institute, with plenty of them charging more than 2%. 10/05/2019 | Craig | 23/01/2019 | 04/04/2018 | Moneyfacts Star Ratings. 30/05/2019 | We surveyed our readers at the end of June. While I am happy to keep the shares element, I don’t feel the managed portfolio is working for me and I could do better elsewhere. Murray International +17% Your annual fees would amount to a … We'll never share your details and you can unsubscribe any time. Scottish Mortgage is an example. In January 2021, I will receive a commutation lump sum of about £50,000. 4. Vanguard LifeStrategy 60%, in sixth place, is one of only three passively managed funds on the top 10 list, along with the 80% variant and L&G Global Technology Index Trust in eighth. 0, I'm the sole carer for my chronically ill and elderly mum, as well as a full-time police officer. I'm 24 and would like to begin investing. Some funds have performed far better than others (and let’s not talk about the Neil Woodford debacle). What would you recommend? 29/04/2019 | Most popular investment funds bought through AJ Bell in June 2020. A key factor when assessing any mutual fund is its fees. We have 11 more years of school fees to fund, then hopefully university fees for two after that. Pimco Dynamic Credit Income Fund. Shropshire | Steve | A passively managed one, on the other hand, requires far less brain power to run. As for investment trusts and the perennially popular Scottish Mortgage juggernaut continues its domination. London | Most popular investment funds bought through Hargreaves Lansdown in June 2020. If we merge these lists, when we look at how customers of these platforms voted with their feet in June, the most popular funds were: Data correct as at 3 July 2020; information sourced from Boring Money readers and directly from the platforms. 05/06/2018 | Low-risk bond funds come at the cost of low returns. 08/05/2018 | I am aware that I can place £20,000 for this year. About half of you told us you had bought over the last month, with a small increase in those now cherry-picking and favouring sector specific stuff. This then apparently changed to some form of 'investment'. Vanguard Equity fund. Kate | 2. 6. 03/09/2018 | 26/03/2020 | Bedfordshire | Returns as of 12/15/2020. I really don’t like this market meltdown during the coronavirus outbreak. You'll find some top index funds listed, as well. I like the idea of using a robo-investor like Wealthify, but I'm not sure if it's better to start with a Stocks and Shares ISA instead? When investing across a range of funds, should I be putting the same amount into each fund or tailoring the amount to the % split I'm looking for? Stock funds. 15/08/2018 | Do you offer a sanity check service for confused individuals like myself? It's well worth looking into the managers of any managed mutual fund you're considering. The vast majority of the ETFs are index funds, while index mutual funds have grabbed 29% of the assets of all mutual funds, as of the end of the year. 2. MLN | What can we do, as this money may as well have been under their mattress? With a SIPP in drawdown would a company like Netwealth whose investment management fees are of the order of .66% of the value of the portfolio, be a better option compared to companies like Hargreaves Lansdown or Investec? 4. Buckinghamshire | 03/07/2018 | 1. Colin | Max | Included in the fund are taxable investment-grade U.S. bonds. 13/09/2017 | 1. 1. Are there better options? Can you advise me on the best approach when looking to invest in a product that offers compound interest? 7. From the industry? Stockport | I am a British/Irish citizen living in Malta and have between £5k-£10k to invest for 5 years. Below are promising characteristics of funds, along with some promising fund ideas for further research. London | If your average return net of fees is 10% in one fund but it's only 9% in the other, you'll end up with $541,000 in the former fund and only $462,000 in the latter -- a difference of roughly $79,000. 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