Financial Adviser / Fund Manager

randomshenans

randomshenans

randomshenans

Soldato
Joined
11 Sep 2009
Posts
14,068
Location
France, Alsace
I'm looking to start spreading some money about, and was looking at setting up a few things, spreading across different types of managed funds etc. Not a huge amount, but 250-500 a month maybe. I was wondering if anyone had good financial advisers they would recommend, or companies who could manage this for me, with nice transparent terms and easy to track.
All looking long term (25yrs stuff) really, not that it makes a difference, but would like to start while I'm young enough.
 
Unless you have £100k cash, I wouldn't bother. Stick it in a Shares ISA and use something like Vanguard LifeStrategy funds.
 
An IFA probably won't want to bother with you for that sort of monthly contribution. Not worth their time.

(And fixed fee charging probably isn't worth it for you - You would probably end up paying about £600-£800 for the advice, which seems daft for this level of investment)
 
Don't bother with an IFA. I have my S&S ISA split over the below:
AXA Framlington American Growth Fund
Royal Dutch Shell PLC
Schroder Small Cap Discovery Fund
Vanguard FTSE UK All Share Index Unit Trust
Vanguard LifeStrategy 100% Equity Fund
WORLDWIDE HEALTHCARE TRUST

All doing pretty well with a good spread to minimise the risk (hopefully).
 
As above - Vanguard 60% lifestyle fund is a good starting point. Balanced risk, very cheap (0.22%), good performance and solid 6 years of growth behind them now. No guarantee of future performance mind you.

Start with something like that, then as your fund grows/increase monthly payments, branch out into other funds etc.

Other considerations are Myfolio Funds from Standard Life which are good solid performers, fairly cheap, good spread of investments/funds/stocks.

It can be accessed via most S&S Isa providers (Fidelity/AJ Bell/Charles Stanley etc etc)
 
Unpopular opinion but with the gains / interest being poor lately you could stick some in Premium bonds, any winnings that you could potentially earn over a year would probably pay more.
 
Glanza said:
Unpopular opinion but with the gains / interest being poor lately you could stick some in Premium bonds, any winnings that you could potentially earn over a year would probably pay more.
Click to expand...

Please don't do this if you want a return anywhere near inflation.
 
This is going to be a stupid question I'm sure...

I'm looking at investing (ISA is NOT maxed out - have a fair bit of allowance left). I have roughly 30k to invest, so it looked like a stocks and shares ISA would be a good place to start. Also started looking at Vanguard stuff based on this thread. Have a fair bit more research to do, but a basic query was, how do I even go about doing it? Do I just do it direct on thier site (would I need a US bank account?) or should I be going through someone else (Hargreaves Landsdown came up as someone who seems to be established and can do it?).

Complete novice so any advice is apppreciated. If the advice is to go speak to an IFA or something, then that's ok too!
 
Vanguard do accounts in the UK now so you could go direct, the disadvantage is they only sell their own products but if your cool with that :)

(Have a good read online before you chose there is plenty online check out DIY investor and Reddit of all places )
 
Interesting topic as I was just logging on here to start a topic about savings for the pension as I have some money in my pension back home in Sweden that I was thinking about trying to invest a bit more actively. Any suggestions on what to look at and where?
 
I am looking at Vanguard 80 ISA and start off investing £100 per month - is this worthwhile?!

Any calculators that can estimate returns etc based on past performance?

Also are there any introductory/referral offers?
 
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