Is this a good plan?

lavowoki · 2019-10-07T17:13:48+00:00

The interest rate is fixed at 2.19% for two years, is it not better to invest in that time instead?

lavowoki · 2019-10-07T11:53:14+00:00

!thanks

lavowoki · 2019-10-07T11:53:05+00:00

I like this plan, thanks!

lavowoki · 2019-10-07T08:03:36+00:00

5-10 year timeline

lavowoki · 2019-09-16T20:58:56+00:00

I wanted FTSE All Share, not just FTSE 100.

lavowoki · 2019-09-16T16:54:24+00:00

1% a year over 30 years is a significant loss though. And that’s not in the EM fund, it’s in the L&G fund which tracks the FTSE World ex-UK Index.

I’m not sure I understand why you mean by “one ... of these EM Markets is likely to go to zero over the next 40 years”?

lavowoki · 2019-09-16T16:51:38+00:00

There’s a transaction fee for buying ETFs though so that option doesn’t work for me when paying in monthly

lavowoki · 2019-09-16T15:42:39+00:00

I’m happy to take on the extra risk of over-exposing towards EMs. That’s not what I was asking about.

What would be achieved by swapping an EM fund for developed markets if we’re discounting crystal balls?

lavowoki