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Investments

Discuss investments with other users on our Investment forum. For more advice read our tips for saving for your child's future.

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Original poster

Investing…how do you do it?

31 replies

overeater · 13/05/2025 20:40

Can someone please explain to me how index funds work and which ones could I think about investing in? I have 0 idea what to do. I have around 30k in savings and I would really like to invest this so any advice would be appreciated.
thank you ☺️

OP posts:

Yatuway · 23/05/2025 16:51

jennygeddes · 22/05/2025 09:42

@yatuway that sounds like a managed fund (where you pay someone to manage the fund and hopefully outperform the markets). Vanguard LS is a mix of passive (not actively managed) funds that track major benchmark indexes and bonds. Passive funds are cheaper and there is some debate over whether passive v managed is best. If you get an amazing fund manager maybe not. I invest in passive funds. Either way, investing in diversified assets with a global spread is the way to go. With VLS you just choose a single LS fund. For my kids ISAs I've stuck it in VLS 80, which is 80% equities, 20% bonds.

Thank you!

ghani735 · 23/05/2025 16:52

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

MakeupTable · 30/05/2025 09:46

Be careful with Vanguard now for small regular investments as charges have gone up considerably. I have been investing with them for around 3 years but at the start of the new tax year I changed to AJ Bell as fees are lower. However this is investing monthly (not sure about your lump sum - sadly never been in that position).

MidLifeCrisis007 · 30/05/2025 13:12

OP - take a look at NHS AVCs for a really tax efficient way to accumulate wealth if you work in the NHS. It would suit your investment time horizon too.

TheGander · 31/05/2025 17:29

I second @MidLifeCrisis007 . I didn’t know you could make additional voluntary contributions to the NHS pension, if I had I would have done but now I’m 2 years before retirement- if I don’t get made redundant 1st. Your trust should have a pensions adviser, see if you can get an appointment.

MidLifeCrisis007 · 31/05/2025 17:33

Thanks for the vote of confidence @TheGander .

This is my line of business!

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