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@resjudicata Why would you prefer silver over gold, in that case? If you buy gold britannias or sovereigns they're exempt from VAT and capital gains tax. The famous prepper Ferfal, who lived through the Argentine financial crisis, recommends junk gold - like cheap chunky gold chains and shit...

@evietheturtle Why on earth would you think that? Can I remind you that you're expected to be respectful in this sub, and not act like others are idiots?

@resjudicata Your S&S ISA is part of your pension for these purposes - it's still retirement savings. Do not pay off your mortgage early if you're worried about your pension - that's giving your retirement savings less time in which to compound. If you have an outstanding mortgage of £100,000...

@jb21 This would be shown as "tracking error" on the page for each fund, I guess?

@evietheturtle Now tell me something I don't know.

@kcnalp A commission fee of 1.5% is €7.50 on every monthly investment of €500. In absolute terms, that seems pretty reasonable - I'm with a couple of fixed-fee brokers, and they charge me about £5 or €7 on each transaction. I typically make transactions £5000 - £20,000, and I wouldn't like to...

@loverintruth As per another comment I made, also consider S&S LISA for a 25% Brucey Bonus.

@kandikisses So basically the preceding three paragraphs or so were just an irrelevant rant? You were ranting about semantics? If you post asking about investments then people are going to tell you to disregard your savings. Ranting that "semantically my savings are investments" doesn't...

@kcnalp Most index trackers have TER below 0.5%, but index trackers are very cheap. I pay a TER of 0.95% on most of my money because I believe that an actively managed fund is worth it. I don't have to beat the index for it to be worth it, I just need to reduce downside risk. The questions...

@loverintruth Depends on when you want to retire. Also consider increasing your contributions to your S&S ISA. Neither answer is right, just one is right for you. Read the LISA vs SIPP vs ISA page on the wiki.

@smurf50 The reason it's "more expensive per unit" is that both versions of the fund started out at the same price - might typically be £1, £10 or £100 per share, whatever the fund manager decides when they set up the fund. When Vanguard are setting up a fund they probably lend the fund...

@kandikisses I mean, you posted asking for recommendations of an app that tracks the value of your investments when you meant that you want an app that tracks your net worth. You clearly think you're financially sophisticated, yet you're unable to see the wood for the trees. You don't see...

@kcnalp Sorry, what's wrong with them? A TER of 0.55% is not expensive.

@kandikisses Yet, for some reason, you insist on engaging with them. This subreddit does not belong to you, and it does not exist solely for your benefit. You seem to feel at liberty to spunk your questions all over this subreddit (we might have to limit that) and then bitch about the...

@janjan Most of investing is about choosing a suitable allocation of stocks and bonds - probably most of the funds that L&G offer you, or the main ones at least, are just different allocations of these main two asset classes. Gilts are UK government bonds, REITs are property but they have...

@kcnalp Either of these are more or less standard passive allocations. I prefer the latter - 20% emerging markets is a tilt, hopefully a small "returns booster".

@freeinchrist87 Is there a reason the grandparents want to use a JISA instead of a bare trust?

@kcnalp This is not a conventional asset allocation, but I would favour the Vanguard World Minimum Volatility over the Lyxor. STOXX is a subset of world, so World + STOXX means you're doubled up on STOXX. I think you should have have quite a good reason for this.

@kandikisses If you don't know the answer to this, then you should slow down with all your questions to the finance subreddits and take some time to read more. The only difference between FTSE's developed world and MSCI's developed world, last time I heard, was South Korea, which is...

@christian2018 Clearly I don't understand the language being used here, because I don't understand how this translates to 0.1%: