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@sashieng I don't have time to track single stocks over the next 18 years and I want to minimize the risk of their investment, I like the Bogle head and DCA strategy. Keep buying the Haystack and hopefully an average of 9/10% over the next 18 years will do me nicely

@shadow2 Thank you sir, I was 90% sure this was the correct answer I just wanted to hear someone else say it lol

I have a fund in my isa for my child, should I go All World or S&P etf, either VUAG or FWRG Im pretty sure the answer is all world, its just hard to ignore the returns of S&P in the last decade