Passive investing

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If only we could return to 1984 and put 100k in. The figures below are minus fees and ignore dividend income. We assume a 20 year holding period with 100k invested. For ease no reinvestment is assumed.

Exit Date FTSE100 at start FTSE100 at end 20 year return £100k invested
01/01/2004 1000.00 4476.87 347.7% £ 447,687.00
02/01/2004 1060.30 4381.37 313.2% £ 413,219.84
03/01/2004 1046.10 4537 333.7% £ 433,706.15
04/01/2004 1108.10 4410.71 298.0% £ 398,042.60
05/01/2004 1136.80 4489.69 294.9% £ 394,941.06
06/01/2004 1026.80 4422.68 330.7% £ 430,724.58
07/01/2004 1041.30 4424.72 324.9% £ 424,922.69
08/01/2004 1006.20 4415.73 338.9% £ 438,852.12
09/01/2004 1105.30 4502.05 307.3% £ 407,314.76
10/01/2004 1127.70 4659.65 313.2% £ 413,199.43
11/01/2004 1158.40 4673.79 303.5% £ 403,469.44
12/01/2004 1191.70 4735.68 297.4% £ 397,388.60
01/01/2005 1232.20 4814.3 290.7% £ 390,707.68
02/01/2005 1272.60 4906.21 285.5% £ 385,526.48
03/01/2005 1250.80 5000.47 299.8% £ 399,781.74
04/01/2005 1278.30 4914.03 284.4% £ 384,419.15
05/01/2005 1301.50 4801.68 268.9% £ 368,934.31
06/01/2005 1324.60 5011.04 278.3% £ 378,305.90
07/01/2005 1246.80 5161.01 313.9% £ 413,940.49
08/01/2005 1287.20 5290.85 311.0% £ 411,035.58
09/01/2005 1340.30 5328.51 297.6% £ 397,560.99
10/01/2005 1296.00 5501.55 324.5% £ 424,502.31
11/01/2005 1379.00 5344.33 287.6% £ 387,551.12
12/01/2005 1418.50 5486.12 286.8% £ 386,755.02
01/01/2006 1412.60 5618.76 297.8% £ 397,760.16
02/01/2006 1425.10 5801.63 307.1% £ 407,103.36
03/01/2006 1534.90 5844.07 280.7% £ 380,745.98
04/01/2006 1684.00 6024.28 257.7% £ 357,736.34
05/01/2006 1640.10 6023.14 267.2% £ 367,242.24
06/01/2006 1596.50 5749.69 260.1% £ 360,143.44
07/01/2006 1660.80 5884.44 254.3% £ 354,313.58
08/01/2006 1561.80 5880.84 276.5% £ 376,542.45
09/01/2006 1672.80 5949.15 255.6% £ 355,640.24
10/01/2006 1578.30 5957.83 277.5% £ 377,484.00
11/01/2006 1639.20 6149.62 275.2% £ 375,159.83
12/01/2006 1617.80 6021.54 272.2% £ 372,205.46
01/01/2007 1679.00 6220.81 270.5% £ 370,506.85
02/01/2007 1832.80 6282.23 242.8% £ 342,766.80
03/01/2007 1983.10 6116.04 208.4% £ 308,408.05
04/01/2007 1973.10 6315.53 220.1% £ 320,081.60
05/01/2007 2068.50 6419.61 210.4% £ 310,350.98
06/01/2007 2228.20 6676.66 199.6% £ 299,643.66
07/01/2007 2269.80 6590.55 190.4% £ 290,358.18
08/01/2007 2334.30 6250.57 167.8% £ 267,770.64
09/01/2007 2272.80 6315.22 177.9% £ 277,860.79
10/01/2007 2373.80 6506.25 174.1% £ 274,085.85
11/01/2007 1723.70 6586.08 282.1% £ 382,089.69
12/01/2007 1578.50 6386.57 304.6% £ 404,597.40
01/01/2008 1712.70 6456.91 277.0% £ 377,001.81
02/01/2008 1776.90 6029.18 239.3% £ 339,308.91
03/01/2008 1781.90 5818.62 226.5% £ 326,540.21
04/01/2008 1742.50 5852.58 235.9% £ 335,872.60
05/01/2008 1802.20 6087.25 237.8% £ 337,767.73
06/01/2008 1805.70 6007.61 232.7% £ 332,702.55
07/01/2008 1858.20 5479.93 194.9% £ 294,905.28
08/01/2008 1862.20 5354.67 187.5% £ 287,545.38
09/01/2008 1730.50 5602.82 223.8% £ 323,768.85
10/01/2008 1802.60 4959.59 175.1% £ 275,135.36
11/01/2008 1857.80 4443.28 139.2% £ 239,168.91
12/01/2008 1778.70 4065.49 128.6% £ 228,565.24
01/01/2009 1793.10 4434.17 147.3% £ 247,290.73
02/01/2009 2039.70 4077.78 99.9% £ 199,920.58
03/01/2009 2021.30 3625.83 79.4% £ 179,381.09
04/01/2009 2079.60 3955.61 90.2% £ 190,210.14
05/01/2009 2118.00 4243.22 100.3% £ 200,340.89
06/01/2009 2103.40 4506.19 114.2% £ 214,233.62
07/01/2009 2165.60 4340.71 100.4% £ 200,439.14
08/01/2009 2292.30 4682.46 104.3% £ 204,269.07
09/01/2009 2407.50 4819.7 100.2% £ 200,195.22
10/01/2009 2289.20 5047.81 120.5% £ 220,505.42
11/01/2009 2160.10 5104.5 136.3% £ 236,308.50
12/01/2009 2311.10 5312.17 129.9% £ 229,854.61
01/01/2010 2422.70 5412.88 123.4% £ 223,423.45
02/01/2010 2345.80 5247.41 123.7% £ 223,693.84
03/01/2010 2238.40 5405.94 141.5% £ 241,509.11
04/01/2010 2221.60 5744.89 158.6% £ 258,592.46
05/01/2010 2117.90 5553.29 162.2% £ 262,207.38
06/01/2010 2371.40 5163.3 117.7% £ 217,732.14
07/01/2010 2372.00 4805.75 102.6% £ 202,603.29
08/01/2010 2339.00 5397.11 130.7% £ 230,744.34
09/01/2010 2166.60 5366.41 147.7% £ 247,688.08
10/01/2010 2030.80 5592.9 175.4% £ 275,403.78
11/01/2010 2028.00 5694.62 180.8% £ 280,799.80
12/01/2010 2162.70 5642.5 160.9% £ 260,900.73
01/01/2011 2143.50 5899.94 175.2% £ 275,247.96
02/01/2011 2165.70 5957.82 175.1% £ 275,099.04
03/01/2011 2386.90 5935.76 148.7% £ 248,680.72
04/01/2011 2456.50 6009.92 144.7% £ 244,653.78
05/01/2011 2508.40 6069.9 142.0% £ 241,982.94
06/01/2011 2515.80 5928.61 135.7% £ 235,655.06
07/01/2011 2443.60 5989.76 145.1% £ 245,120.31
08/01/2011 2591.70 5774.43 122.8% £ 222,804.72
09/01/2011 2679.60 5418.65 102.2% £ 202,218.61
10/01/2011 2645.60 5075.5 91.8% £ 191,846.84
11/01/2011 2549.50 5421.57 112.7% £ 212,652.28
12/01/2011 2414.90 5489.34 127.3% £ 227,311.28
01/01/2012 2493.10 5572.28 123.5% £ 223,508.08
02/01/2012 2560.20 5790.72 126.2% £ 226,182.33
03/01/2012 2554.30 5931.25 132.2% £ 232,206.48
04/01/2012 2408.60 5874.89 143.9% £ 243,913.06
05/01/2012 2659.80 5812.23 118.5% £ 218,521.32
06/01/2012 2697.60 5260.19 95.0% £ 194,995.18
07/01/2012 2493.90 5640.64 126.2% £ 226,177.47
08/01/2012 2420.20 5712.82 136.0% £ 236,047.43
09/01/2012 2298.40 5758.41 150.5% £ 250,539.94
10/01/2012 2572.30 5820.45 126.3% £ 226,274.15
11/01/2012 2687.80 5861.92 118.1% £ 218,093.61
12/01/2012 2792.00 5871.24 110.3% £ 210,287.97
01/01/2013 2846.50 5897.81 107.2% £ 207,195.15
02/01/2013 2851.60 6347.24 122.6% £ 222,585.22
03/01/2013 2882.60 6378.6 121.3% £ 221,279.40
04/01/2013 2878.40 6411.74 122.8% £ 222,753.61
05/01/2013 2813.10 6451.29 129.3% £ 229,330.28
06/01/2013 2849.20 6525.12 129.0% £ 229,015.86
07/01/2013 2888.80 6307.78 118.4% £ 218,352.95
08/01/2013 2941.70 6681.98 127.1% £ 227,146.89
09/01/2013 3085.10 6506.19 110.9% £ 210,890.73
10/01/2013 3039.30 6460.01 112.5% £ 212,549.27
11/01/2013 3164.40 6734.74 112.8% £ 212,828.34
12/01/2013 3233.20 6595.33 104.0% £ 203,987.69
01/01/2014 3418.40 6749.09 97.4% £ 197,434.18
02/01/2014 3481.50 6465.66 85.7% £ 185,714.78
03/01/2014 3270.60 6708.35 105.1% £ 205,110.68
04/01/2014 3086.40 6652.61 115.5% £ 215,545.94
05/01/2014 3125.30 6808.87 117.9% £ 217,862.93
06/01/2014 2931.90 6864.1 134.1% £ 234,117.81
07/01/2014 2936.40 6802.92 131.7% £ 231,675.52
08/01/2014 3097.40 6679.18 115.6% £ 215,638.28
09/01/2014 3216.50 6825.31 112.2% £ 212,196.80
10/01/2014 2983.50 6557.52 119.8% £ 219,792.86
11/01/2014 3096.30 6487.97 109.5% £ 209,539.45
12/01/2014 3039.60 6656.37 119.0% £ 218,988.35
01/01/2015 3065.50 6566.09 114.2% £ 214,193.12
02/01/2015 3017.30 6782.55 124.8% £ 224,788.72
03/01/2015 3041.20 6940.64 128.2% £ 228,220.44
04/01/2015 3143.10 6809.5 116.6% £ 216,649.17
05/01/2015 3220.40 6985.95 116.9% £ 216,928.02
06/01/2015 3340.60 6953.58 108.2% £ 208,153.63
07/01/2015 3323.70 6608.59 98.8% £ 198,832.33
08/01/2015 3449.90 6688.62 93.9% £ 193,878.66
09/01/2015 3509.40 6058.54 72.6% £ 172,637.49
10/01/2015 3520.20 6072.47 72.5% £ 172,503.55
11/01/2015 3518.70 6361.8 80.8% £ 180,799.73
12/01/2015 3680.40 6395.65 73.8% £ 173,775.95
01/01/2016 3689.30 6242.32 69.2% £ 169,200.66
02/01/2016 3752.80 6060.1 61.5% £ 161,482.09
03/01/2016 3752.70 6152.88 64.0% £ 163,958.75
04/01/2016 3718.40 6146.05 65.3% £ 165,287.49
05/01/2016 3806.00 6241.89 64.0% £ 164,001.31
06/01/2016 3739.20 6191.93 65.6% £ 165,595.05
07/01/2016 3725.60 6577.83 76.6% £ 176,557.60
08/01/2016 3734.40 6693.95 79.3% £ 179,251.02
09/01/2016 3884.40 6745.97 73.7% £ 173,668.26
10/01/2016 3992.20 6983.52 74.9% £ 174,929.11
11/01/2016 3948.50 6917.14 75.2% £ 175,183.99
12/01/2016 4038.50 6752.93 67.2% £ 167,213.82
01/01/2017 4118.50 7142.83 73.4% £ 173,432.80

Bloody hell where did you get that from?
 


I disagree. There are many different investment options on the site passive investments are just one of them.



In the short fees, I'm trying to minimise them, the more advice I take the more it costs and diminishes my return. Passive investing is designed for investments without any advice.

Advice is to steer well clear of this IMO. Has all the hallmarks of "we can show you how to beat the system".

It says some things which are just clearly untrue. For example, it says that you can have a portfolio with just 2 investments in it and it's not risky. Err what?

If you're serious about it for your life-f***ing-savings your monies should be spread across dozens of investments, ranging in risk level. I remain totally unconvinced why you would wind up with more money from this than if you used ISAs carefully or invested in a pension scheme which you would get tax free and could then draw down.

Long story short see a financial adviser. You're better off starting your saving two months later and spending £600 getting advice than following what some absolute dildo on the internet says. Including people on the SMB. Why are you asking laypeople for advice on your life savings? See a professional and stop being a tight arse.
 
I know you said you wanted to retire at 50, but if you're able to wait till 55 to get at some of the money pensions are worth thinking about - you get tax relief at your marginal rate on contributions and can take up to a quarter of the pot out at 55 tax free. So there's a big advantage compared to other investments....if you're prepared to leave it till your over 55. Or better still, do a bit of both.

Yea that would be the idea I may not retire I may still work part time or do something so I have a small income, but if I can get to stage where I live off 3% 4% of my investment then the money, in theory, should never run out. That's the plan anyway just trying to be a smarter with my cash and plan for the future so I'm not tied to a high paying job to pay for shit I don't need.
 
If only we could return to 1984 and put 100k in. The figures below are minus fees and ignore dividend income. We assume a 20 year holding period with 100k invested. For ease no reinvestment is assumed.

Exit Date FTSE100 at start FTSE100 at end 20 year return £100k invested
01/01/2004 1000.00 4476.87 347.7% £ 447,687.00
02/01/2004 1060.30 4381.37 313.2% £ 413,219.84
03/01/2004 1046.10 4537 333.7% £ 433,706.15
04/01/2004 1108.10 4410.71 298.0% £ 398,042.60
05/01/2004 1136.80 4489.69 294.9% £ 394,941.06
06/01/2004 1026.80 4422.68 330.7% £ 430,724.58
07/01/2004 1041.30 4424.72 324.9% £ 424,922.69
08/01/2004 1006.20 4415.73 338.9% £ 438,852.12
09/01/2004 1105.30 4502.05 307.3% £ 407,314.76
10/01/2004 1127.70 4659.65 313.2% £ 413,199.43
11/01/2004 1158.40 4673.79 303.5% £ 403,469.44
12/01/2004 1191.70 4735.68 297.4% £ 397,388.60
01/01/2005 1232.20 4814.3 290.7% £ 390,707.68
02/01/2005 1272.60 4906.21 285.5% £ 385,526.48
03/01/2005 1250.80 5000.47 299.8% £ 399,781.74
04/01/2005 1278.30 4914.03 284.4% £ 384,419.15
05/01/2005 1301.50 4801.68 268.9% £ 368,934.31
06/01/2005 1324.60 5011.04 278.3% £ 378,305.90
07/01/2005 1246.80 5161.01 313.9% £ 413,940.49
08/01/2005 1287.20 5290.85 311.0% £ 411,035.58
09/01/2005 1340.30 5328.51 297.6% £ 397,560.99
10/01/2005 1296.00 5501.55 324.5% £ 424,502.31
11/01/2005 1379.00 5344.33 287.6% £ 387,551.12
12/01/2005 1418.50 5486.12 286.8% £ 386,755.02
01/01/2006 1412.60 5618.76 297.8% £ 397,760.16
02/01/2006 1425.10 5801.63 307.1% £ 407,103.36
03/01/2006 1534.90 5844.07 280.7% £ 380,745.98
04/01/2006 1684.00 6024.28 257.7% £ 357,736.34
05/01/2006 1640.10 6023.14 267.2% £ 367,242.24
06/01/2006 1596.50 5749.69 260.1% £ 360,143.44
07/01/2006 1660.80 5884.44 254.3% £ 354,313.58
08/01/2006 1561.80 5880.84 276.5% £ 376,542.45
09/01/2006 1672.80 5949.15 255.6% £ 355,640.24
10/01/2006 1578.30 5957.83 277.5% £ 377,484.00
11/01/2006 1639.20 6149.62 275.2% £ 375,159.83
12/01/2006 1617.80 6021.54 272.2% £ 372,205.46
01/01/2007 1679.00 6220.81 270.5% £ 370,506.85
02/01/2007 1832.80 6282.23 242.8% £ 342,766.80
03/01/2007 1983.10 6116.04 208.4% £ 308,408.05
04/01/2007 1973.10 6315.53 220.1% £ 320,081.60
05/01/2007 2068.50 6419.61 210.4% £ 310,350.98
06/01/2007 2228.20 6676.66 199.6% £ 299,643.66
07/01/2007 2269.80 6590.55 190.4% £ 290,358.18
08/01/2007 2334.30 6250.57 167.8% £ 267,770.64
09/01/2007 2272.80 6315.22 177.9% £ 277,860.79
10/01/2007 2373.80 6506.25 174.1% £ 274,085.85
11/01/2007 1723.70 6586.08 282.1% £ 382,089.69
12/01/2007 1578.50 6386.57 304.6% £ 404,597.40
01/01/2008 1712.70 6456.91 277.0% £ 377,001.81
02/01/2008 1776.90 6029.18 239.3% £ 339,308.91
03/01/2008 1781.90 5818.62 226.5% £ 326,540.21
04/01/2008 1742.50 5852.58 235.9% £ 335,872.60
05/01/2008 1802.20 6087.25 237.8% £ 337,767.73
06/01/2008 1805.70 6007.61 232.7% £ 332,702.55
07/01/2008 1858.20 5479.93 194.9% £ 294,905.28
08/01/2008 1862.20 5354.67 187.5% £ 287,545.38
09/01/2008 1730.50 5602.82 223.8% £ 323,768.85
10/01/2008 1802.60 4959.59 175.1% £ 275,135.36
11/01/2008 1857.80 4443.28 139.2% £ 239,168.91
12/01/2008 1778.70 4065.49 128.6% £ 228,565.24
01/01/2009 1793.10 4434.17 147.3% £ 247,290.73
02/01/2009 2039.70 4077.78 99.9% £ 199,920.58
03/01/2009 2021.30 3625.83 79.4% £ 179,381.09
04/01/2009 2079.60 3955.61 90.2% £ 190,210.14
05/01/2009 2118.00 4243.22 100.3% £ 200,340.89
06/01/2009 2103.40 4506.19 114.2% £ 214,233.62
07/01/2009 2165.60 4340.71 100.4% £ 200,439.14
08/01/2009 2292.30 4682.46 104.3% £ 204,269.07
09/01/2009 2407.50 4819.7 100.2% £ 200,195.22
10/01/2009 2289.20 5047.81 120.5% £ 220,505.42
11/01/2009 2160.10 5104.5 136.3% £ 236,308.50
12/01/2009 2311.10 5312.17 129.9% £ 229,854.61
01/01/2010 2422.70 5412.88 123.4% £ 223,423.45
02/01/2010 2345.80 5247.41 123.7% £ 223,693.84
03/01/2010 2238.40 5405.94 141.5% £ 241,509.11
04/01/2010 2221.60 5744.89 158.6% £ 258,592.46
05/01/2010 2117.90 5553.29 162.2% £ 262,207.38
06/01/2010 2371.40 5163.3 117.7% £ 217,732.14
07/01/2010 2372.00 4805.75 102.6% £ 202,603.29
08/01/2010 2339.00 5397.11 130.7% £ 230,744.34
09/01/2010 2166.60 5366.41 147.7% £ 247,688.08
10/01/2010 2030.80 5592.9 175.4% £ 275,403.78
11/01/2010 2028.00 5694.62 180.8% £ 280,799.80
12/01/2010 2162.70 5642.5 160.9% £ 260,900.73
01/01/2011 2143.50 5899.94 175.2% £ 275,247.96
02/01/2011 2165.70 5957.82 175.1% £ 275,099.04
03/01/2011 2386.90 5935.76 148.7% £ 248,680.72
04/01/2011 2456.50 6009.92 144.7% £ 244,653.78
05/01/2011 2508.40 6069.9 142.0% £ 241,982.94
06/01/2011 2515.80 5928.61 135.7% £ 235,655.06
07/01/2011 2443.60 5989.76 145.1% £ 245,120.31
08/01/2011 2591.70 5774.43 122.8% £ 222,804.72
09/01/2011 2679.60 5418.65 102.2% £ 202,218.61
10/01/2011 2645.60 5075.5 91.8% £ 191,846.84
11/01/2011 2549.50 5421.57 112.7% £ 212,652.28
12/01/2011 2414.90 5489.34 127.3% £ 227,311.28
01/01/2012 2493.10 5572.28 123.5% £ 223,508.08
02/01/2012 2560.20 5790.72 126.2% £ 226,182.33
03/01/2012 2554.30 5931.25 132.2% £ 232,206.48
04/01/2012 2408.60 5874.89 143.9% £ 243,913.06
05/01/2012 2659.80 5812.23 118.5% £ 218,521.32
06/01/2012 2697.60 5260.19 95.0% £ 194,995.18
07/01/2012 2493.90 5640.64 126.2% £ 226,177.47
08/01/2012 2420.20 5712.82 136.0% £ 236,047.43
09/01/2012 2298.40 5758.41 150.5% £ 250,539.94
10/01/2012 2572.30 5820.45 126.3% £ 226,274.15
11/01/2012 2687.80 5861.92 118.1% £ 218,093.61
12/01/2012 2792.00 5871.24 110.3% £ 210,287.97
01/01/2013 2846.50 5897.81 107.2% £ 207,195.15
02/01/2013 2851.60 6347.24 122.6% £ 222,585.22
03/01/2013 2882.60 6378.6 121.3% £ 221,279.40
04/01/2013 2878.40 6411.74 122.8% £ 222,753.61
05/01/2013 2813.10 6451.29 129.3% £ 229,330.28
06/01/2013 2849.20 6525.12 129.0% £ 229,015.86
07/01/2013 2888.80 6307.78 118.4% £ 218,352.95
08/01/2013 2941.70 6681.98 127.1% £ 227,146.89
09/01/2013 3085.10 6506.19 110.9% £ 210,890.73
10/01/2013 3039.30 6460.01 112.5% £ 212,549.27
11/01/2013 3164.40 6734.74 112.8% £ 212,828.34
12/01/2013 3233.20 6595.33 104.0% £ 203,987.69
01/01/2014 3418.40 6749.09 97.4% £ 197,434.18
02/01/2014 3481.50 6465.66 85.7% £ 185,714.78
03/01/2014 3270.60 6708.35 105.1% £ 205,110.68
04/01/2014 3086.40 6652.61 115.5% £ 215,545.94
05/01/2014 3125.30 6808.87 117.9% £ 217,862.93
06/01/2014 2931.90 6864.1 134.1% £ 234,117.81
07/01/2014 2936.40 6802.92 131.7% £ 231,675.52
08/01/2014 3097.40 6679.18 115.6% £ 215,638.28
09/01/2014 3216.50 6825.31 112.2% £ 212,196.80
10/01/2014 2983.50 6557.52 119.8% £ 219,792.86
11/01/2014 3096.30 6487.97 109.5% £ 209,539.45
12/01/2014 3039.60 6656.37 119.0% £ 218,988.35
01/01/2015 3065.50 6566.09 114.2% £ 214,193.12
02/01/2015 3017.30 6782.55 124.8% £ 224,788.72
03/01/2015 3041.20 6940.64 128.2% £ 228,220.44
04/01/2015 3143.10 6809.5 116.6% £ 216,649.17
05/01/2015 3220.40 6985.95 116.9% £ 216,928.02
06/01/2015 3340.60 6953.58 108.2% £ 208,153.63
07/01/2015 3323.70 6608.59 98.8% £ 198,832.33
08/01/2015 3449.90 6688.62 93.9% £ 193,878.66
09/01/2015 3509.40 6058.54 72.6% £ 172,637.49
10/01/2015 3520.20 6072.47 72.5% £ 172,503.55
11/01/2015 3518.70 6361.8 80.8% £ 180,799.73
12/01/2015 3680.40 6395.65 73.8% £ 173,775.95
01/01/2016 3689.30 6242.32 69.2% £ 169,200.66
02/01/2016 3752.80 6060.1 61.5% £ 161,482.09
03/01/2016 3752.70 6152.88 64.0% £ 163,958.75
04/01/2016 3718.40 6146.05 65.3% £ 165,287.49
05/01/2016 3806.00 6241.89 64.0% £ 164,001.31
06/01/2016 3739.20 6191.93 65.6% £ 165,595.05
07/01/2016 3725.60 6577.83 76.6% £ 176,557.60
08/01/2016 3734.40 6693.95 79.3% £ 179,251.02
09/01/2016 3884.40 6745.97 73.7% £ 173,668.26
10/01/2016 3992.20 6983.52 74.9% £ 174,929.11
11/01/2016 3948.50 6917.14 75.2% £ 175,183.99
12/01/2016 4038.50 6752.93 67.2% £ 167,213.82
01/01/2017 4118.50 7142.83 73.4% £ 173,432.80
73% return on the last 20 years

Property has done over 400%

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Advice is to steer well clear of this IMO. Has all the hallmarks of "we can show you how to beat the system".

It says some things which are just clearly untrue. For example, it says that you can have a portfolio with just 2 investments in it and it's not risky. Err what?

If you're serious about it for your life-f***ing-savings your monies should be spread across dozens of investments, ranging in risk level. I remain totally unconvinced why you would wind up with more money from this than if you used ISAs carefully or invested in a pension scheme which you would get tax free and could then draw down.

Long story short see a financial adviser. You're better off starting your saving two months later and spending £600 getting advice than following what some absolute dildo on the internet says. Including people on the SMB. Why are you asking laypeople for advice on your life savings? See a professional and stop being a tight arse.

I'm a self-confessed tight arse but maybe you're right I'm only researching options at this stage so wanted to gather advice, I appreciate yours.

73% return on the last 20 years

Property has done over 400%

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I wouldn't have this as my only investment property is also something I've invested in and want to continue with but that's really interesting cheers.
 
I'm a self-confessed tight arse but maybe you're right I'm only researching options at this stage so wanted to gather advice, I appreciate yours.



I wouldn't have this as my only investment property is also something I've invested in and want to continue with but that's really interesting cheers.
Could start going the other way of course

How long could the property bubble keep expanding?
 
In the short fees, I'm trying to minimise them, the more advice I take the more it costs and diminishes my return. Passive investing is designed for investments without any advice.
yeah i'm aware of that, but you're asking a load of football fans for advice on an investment. sounds like you aren't too sure on it. if you're gonna try and beat the system, you could get stung from active investors selling off shares in a particular sector.
 
spending £600 getting advice than following what some absolute dildo on the internet says. Including people on the SMB. Why are you asking laypeople for advice on your life savings? .
:lol::lol:

Excellent :lol:

If I had £300 a month left I'd be hoping it into my pension I reckon & seeing the tax relief. Doesn't really help if you want to retire early though.

I know you said you wanted to retire at 50, but if you're able to wait till 55 to get at some of the money pensions are worth thinking about - you get tax relief at your marginal rate on contributions and can take up to a quarter of the pot out at 55 tax free. So there's a big advantage compared to other investments....if you're prepared to leave it till your over 55. Or better still, do a bit of both.
Think this might be going up to 57 in a few years? I might be wrong like
 
:lol::lol:

Excellent :lol:

If I had £300 a month left I'd be hoping it into my pension I reckon & seeing the tax relief. Doesn't really help if you want to retire early though.


Think this might be going up to 57 in a few years? I might be wrong like

Agreed but I don't want to put everything into my pension I am already putting 15% plus 6% from my employer but I want to retire before 55 or 57 or whatever the government change it to next.

Could start going the other way of course

How long could the property bubble keep expanding?

Very true that's why I want to invest in multiple things, not just stocks and shares or property.
 
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Been looking at passive investing as a way to invest a regular monthly amount circa £300 to start for at least 10-20 years. I'd love to retire before I'm 50 in 19 years with the compound interest I'm hoping this can help me achieve my goal. Anyone do this and can recommend any providers or reading material as this is all very new to me.

This site seems a great resource http://monevator.com/category/investing/passive-in...

I do this and have been for a couple of years now.
Don't bother with a financial advisor, very few of them beat passive investing over long periods.
I use Fidelity/Cavendish to buy Vanguard index funds mainly.
Use your stocks and shares ISA to buy some Vanguard Lifestrategy funds is a good place to start. These type of funds contain stocks and bonds. General rule of thumb is hold more stocks if you are nowhere near retiring. As you get closer to retirement start switching to bonds, less risky but lower return.

Warren buffet the king of the stock market told his heirs to invest in similar index funds.
http://www.marketwatch.com/story/warren-buffett-to-heirs-put-my-estate-in-index-funds-2014-03-13
 
yeah i'm aware of that, but you're asking a load of football fans for advice on an investment. sounds like you aren't too sure on it. if you're gonna try and beat the system, you could get stung from active investors selling off shares in a particular sector.

You're spot on I'm not 100%. There are some pretty savvy people on here and I'm researching and reading as much as I can before making a decision I'm just looking to get opinions.
 
Brexit could ultimately break the property market, if foreigners stop piling into London

It's a crazy bubble, but it also inflates the rest of Britain

In the sort term Brexit has been good for shares, but is that a long term bet?
 
I do this and have been for a couple of years now.
Don't bother with a financial advisor, very few of them beat passive investing over long periods.
I use Fidelity/Cavendish to buy Vanguard index funds mainly.
Use your stocks and shares ISA to buy some Vanguard Lifestrategy funds is a good place to start. These type of funds contain stocks and bonds. General rule of thumb is hold more stocks if you are nowhere near retiring. As you get closer to retirement start switching to bonds, less risky but lower return.

Warren buffet the king of the stock market told his heirs to invest in similar index funds.
http://www.marketwatch.com/story/warren-buffett-to-heirs-put-my-estate-in-index-funds-2014-03-13

Interesting thanks very much. How did you go about setting it all up?
 
Agreed but I don't want to put everything into my pension I am already putting 15% plus 6% from my employer but I want to retire before 55 or 57 or whatever the government change it to next.
Aye, what I've said does piss on that very important point like.

Barclays have just relaunched their execution only service, Direct Invest. Reasonable fees too. £300 a month will leave you with loads of space in your ISA allowance. There'll be places like St James' Place that will do advice, but I believe their service has a "very complicated" fee system. It goes without saying you'd pay more.
 
Think this might be going up to 57 in a few years? I might be wrong like

You may be right...though it seems to be unconfirmed at present:

It is currently proposed that the normal minimum pension age (the earliest age you can may be able to take your pension benefits) should increase from age 55 to age 57 in 2028. It would increase at the same rate as the increase in the State Pension age from then on. This means that the minimum pension age would remain ten years below State Pension age.

The change would apply to all pension schemes, with the exception of those in the public sector, that do not link their normal pension age to State Pension age. This includes fire-fighters, police and armed forces.

This proposal is subject to parliamentary approval.


http://www.pensionsadvisoryservice.org.uk/about-pensions/pension-reform/freedom-and-choice
 
You're spot on I'm not 100%. There are some pretty savvy people on here and I'm researching and reading as much as I can before making a decision I'm just looking to get opinions.
yup. some funds have hidden fees and the volatility can really hit you. tread carefully and make sure you know the ins and outs. you know where i am ;)
 
Aye, what I've said does piss on that very important point like.

Barclays have just relaunched their execution only service, Direct Invest. Reasonable fees too. £300 a month will leave you with loads of space in your ISA allowance. There'll be places like St James' Place that will do advice, but I believe their service has a "very complicated" fee system. It goes without saying you'd pay more.
Their fees are very complicated, but they need the filthy lucre to afford all of the nice corporate days out. :)

Personally, I just look for solid companies which have a track record of raising their dividend over a long period of time. Watch them until they are cheap, buy into them and keep an eye on them. Rinse and repeat.
 
Interesting thanks very much. How did you go about setting it all up?
Just went to fidelity.co.uk and opened an ISA account as far as I can remember.
I think the minimum investment might be 1k per transaction at Fidelity. There will be other similar companies that let you do less I'm sure.
 
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