First step into self investment

funkey_monkey

Hello,

I've invested most of my savings via an IFA and I now want to take control of a smaller amount of my money. I intend to place it into a multi asset passive fund - similar to the Vanguard LifeStrategy offerings.

I'm considering the following funds:

Baillie Gifford Managed B Acc (0.35% OCF)

Royal London Sustainable World Trust C Acc (0.77% OCF)

Vanguard LifeStrategy 80% (0.22% OCF)

Blackrock Consensus 85 (0.09% OCF)


Baillie Gifford, Royal London and LS80 are consistent first quartile performers according to Trustnet.

The LifeStrategy 80 and 100 outperform their Blackrock equivalents (85 and 100), however the Blackrock funds have a lower OCF by a margin of 0.13% (0.09% versus 0.22%).

As I'm based in the UK, I could use the Hargreaves Lansdown platform which has 0.45% platform fee.

I'll be investing between £5k and £10k for a period of 10+ years (unless an emergency arises). I'll have sufficient near cash available that I can access if needed. No debts either. There might be some regular small deposits as well into this.

Any advice on which passive to opt for. My understanding is that the LS funds have done well as they were heavier in the US markets than others and that predicting the future is just a matter of looking at past performance.

I'm considering opting for a fund which is less focused in the UK and also low OCF. Am I thinking correctly here?

Any advice appreciated.

funkey_monkey

Apologies - I should have placed this in the Beginning to Invest thread.