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As an example if a VLS60 fund of £10k was to fall by 30% and it was due to the equities, that would mean the total fund would now be £7k, with £3k equities and £4k bonds, so it would require a 50% fall in equities to get an overall fund fall of 30%. For a VLS40 fund of £10k to have a fall of 30...

Thanks all, the 5 index trackers and percentage splits I was thinking of are: Vanguard FTSE UK All Share Index - 30% Vanguard FTSE Developed World Ex-UK Equity Index - 25% Vanguard Emerging Markets Stock Index - 5% Vanguard Global Bond Index - 20% Vanguard U.K. Government Bond Index - 20% They are a...

“ It is common for new investors to focus on the upside and not fully understand the downside. That 30% will happen at some point. its not a case of if but when. There will be more frequent 15% loss periods too. Whilst experienced investors will shrug their shoulders and think "here we g...

Thanks very much for your very informative post bowlhead99. The reason that I had originally picked the 5 funds was after reading the investment book, 'The Long and the Short of It' and the Monevator site that sort of allocation gave a good level of diversification. However in view of what you have ...

“ It was always a poorly defined and hard to enforce law. The idea was that money in an investment ISA was supposed to be invested and not used to squirrel away cash to dodge the 50% cash ISA allowance limit in effect at the time. Obviously you will have cash in your account for valid reasons...

“ However, believe it or not, interest earned on cash held in a stocks & shares ISA used to be (may still be) taxable. <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=72184899#post72184899" rel="nofollow" title="View original post">Originally posted</a> by soulsaver &rdq...

“ I wouldn't use something that doesn't really do what I want. Your HL MM funds had high fees because they are expensive unit trusts (1.34%) held with an expensive unit trust platform (0.45%) but that is no reason to abandon all actively managed investments. In an earlier thread I recall you ...

“ All the platforms I have seen allow this, hard to see how things would work otherwise Sometimes, but don't make any plans as the rates are nominal If all the ISA cash is from previous years then it does not affect this years allowance. If some of it is from this year then it will reduce you...

“ I wonder if now would be a good time to step back and review your circumstances and what you are trying to achieve. You are looking at several solutions that solve different problems Are you still working and receiving a salary or other income? Are you investing for your retirement, would a...

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