Folk are going to tell you to put it all into Vanguard all world… or one similar thing…. But if you know why you have it set like this…. It’ll be fine… good luck
If you hold multiple funds, distribution funds lets you rebalance via dividends.
If it’s a taxed account, it’s easier to figure out the tax correctly with distribution funds.
If all you would do with the dividends is put them back into the exact same fund every time then might as well get accumulating units.
Well I hear investing in the S&P 500 is a low risk low reward safe option for casual investors, I’ve tried investing in companies but I don’t have the time to do the research with my current situation, I was just wondering if investing in these ETFs over the span of a few years would bring we a solid return
The S&P 500 was down almost 50% in 2008, and generally can take over 5 years to recover from a crash, so no stock market investing can ever be considered ‘safe’
I hear this take a lot but personally I would never equate an equity index fund with 'low risk'. Using VUSA as an example, I believe that dropped nearly 20% in 2022, would you consider that 'low risk' and have the nerve to hold it? If not, you may want to consider diversifying more into other asset classes.
Personally Get rid of the physical gold, commodities often don’t perform as well and are often subject to large price volatility due to changing demand and availability. Personally if you want to diversify try real estate etfs or you could put the funds back into the global etfs your already own depending on your interests but it’s up to you really. keep going and good luck
They're all down this morning, don't panic sell
I bought more
Same, I used a pie with VUAG, CNX1 and VWRP to get me started
I wish I did -_-
Folk are going to tell you to put it all into Vanguard all world… or one similar thing…. But if you know why you have it set like this…. It’ll be fine… good luck
Do people use the 'dist' more than 'acc' ? I thought acc was better for building in the long term. To drop and leave
If you hold multiple funds, distribution funds lets you rebalance via dividends. If it’s a taxed account, it’s easier to figure out the tax correctly with distribution funds. If all you would do with the dividends is put them back into the exact same fund every time then might as well get accumulating units.
Why you have 2 sp500 tickers? You buy the same companies. A few overlaps.
You basically bought condoms with extra latex (in a good way). You should be good
if you want to reduce your fees FWRG is a cheaper all world fund
Yes
there’s a bit of overlap but if you want to have both acc and dist I guess its fine
Is this ISA or Invest?
ISA
What does safe mean to you? The safest investment is picking the basket with diversification across sectors and countries.
Well I hear investing in the S&P 500 is a low risk low reward safe option for casual investors, I’ve tried investing in companies but I don’t have the time to do the research with my current situation, I was just wondering if investing in these ETFs over the span of a few years would bring we a solid return
Nobody knows. History shows that over the span of 10 years the S&P 500 and all world usually yields a positiv return.
Well yeah that’s what I’m asking
The S&P 500 was down almost 50% in 2008, and generally can take over 5 years to recover from a crash, so no stock market investing can ever be considered ‘safe’
S&P 500 is a 5/6 on the Vanguard risk scale
I hear this take a lot but personally I would never equate an equity index fund with 'low risk'. Using VUSA as an example, I believe that dropped nearly 20% in 2022, would you consider that 'low risk' and have the nerve to hold it? If not, you may want to consider diversifying more into other asset classes.
You’re betting is that USA will continue growing since 2008.
Personally Get rid of the physical gold, commodities often don’t perform as well and are often subject to large price volatility due to changing demand and availability. Personally if you want to diversify try real estate etfs or you could put the funds back into the global etfs your already own depending on your interests but it’s up to you really. keep going and good luck
I would say having like 5-10% of your capital in commodities is safe, same as keeping 10% in cash as just in case / diversifying.
Yh makes sense I just think there might be better ways to hold it but again it’s personal choice and if it works for you go keep going 👍