If you’re with Hargreaves’s Lansdown..

[Pablosdog]

Which funds/shares do you pay into?

I’m new to investing and am looking to pay in for 20 years or so. I’m open to medium/high risk.

SIPP, ISA or GIA ?
You can’t go far wrong with a Global tracker, I have Fidelity index World and HSBC FTSE All World Index. Low charges.
For a heavier UK %, you could go Vanguard Lifestrategy 100.

Warren Buffett, the worlds greatest investor of all time, would tell you to put it into a low cost S&P500 tracker.

In fact that is what he has instructed his wife to do after he passes away.

It is the easiest best low-cost option for 90% of investors.

i have a SIPP - Vanguard Fund tracking the S&P 500. Nothing fancy but it does the trick

Currently got some in the HL Managed Adventurous and its been doing okay.

I use Hargreaves Lansdown to invest in the funds that aren't available on the Vanguard platform (Vanguard offers cheaper fees so it makes sense to use that for standard trackers and I invest in mostly UK/FTSE index funds there).

I've got a portion invested in Fundsmith Equity. It's got a higher than average fee, but it's had excellent results (remember that this may not be indicative of future performance!!)

I'm also in a S&P 500 tracker fund. I'm a little worried about the impact of exchange rate changes though - if the pound gets stronger against the dollar then gains could be eroded, even though the underlying dollar performance increases.

Another portion is in Vanguard All Cap. Low cost tracker fund weighted towards US stocks.

Many people use a concentrated portfolio of fewer than six funds. Some even recommend no more than four. It makes sense when you look at the composition of the funds (many invest in the same stocks!)

20 years is a good long term investment timeframe. Don't try to time the market, don't worry about short term dips and enjoy the growth.

Really helpful responses, thank you! I’m considering a mix of the vanguard ftse 100, HSBC ftse 250, UBS S&P 500, and the legal & general global 100 index. Does anything scream rookie error there?

Looking again I’m not sure how I feel about some of the ftse 100 holdings though

I use the stock and share ISA managed portfolios, and the active saving platform. That is as adventurous as I have got so far but following with interest!

I need to pay attention!!!

The fewer funds the better, I only have two global funds because one includes emerging markets and one doesn’t. Otherwise I would just have one.
DH has Fundsmith in his Sipp and I’ve just increased it to 15% of his portfolio, that’s only because it won’t be touched for at least 10-15 years. Fundsmith is high risk but has done very well.

I take the 3 bucket approach to investing - short term up to 5 years : currently in Fixed rate savings/ ISAs plus Short term money market fund paying 5% in our Sipps.
Med Term up to 10 years, 2 med risk funds ; HSBC Global strategy, managed volatility funds ( balanced + dynamic) plus Vanguard LS 80 ( slightly higher risk). Feeding income into cash to build up a buffer for early retirement.

Full 100% equities for long term / retirement but feeding dividend income into cash which I put in the STMM while rates are high ( it tracks banks’ SONIA rate).
Having the cash buffer from dividends should mean never having to sell funds when markets are down.

@BorgQueen
Out of interest please what's returns are you getting on the global tracker.

Op I use vanguard mainly

@BorgQueen dirty also which one has the emerging markets and if you chose one which one ie one with or without emerging thank you

4.7% this year on Fidelity IW (non emerging markets)

5.36% on FTSE All World.

https://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=F00000TX59

https://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=F00000TXY9

You can currently get 5.8% interest on a 12 month fix. What is the benefit of investing when you can currently get a good short term return with savings accounts and no risk?

@BorgQueen thank you so much I've been oolong for something global and got wood for trees with them.

Investing over 20 years will always outperform savings. The average investment rate long term is 8% historically.
Don’t forget savings at 5.7% are being eroded while inflation is high.
Summer - the % of growth for me takes in the losses of early 2022, the actual growth had you bought exactly 12 months ago are more like 10% .
If you drip feed, you don’t have to worry about drops as you get more for your money for better growth when things pick up.
I’ve modelled a ‘real’ growth rate of 5% for the next 10-15 years for our investments, which are mainly in Sipps. More than that will be a bonus. Less than that won’t affect our plans too much.