A few invesment funds?

A

Autotroph

Guest
Hi all, I have been recommended to invest in a few conservative /low risk funds as follows;
BOI evergreen fund
Eagle star balanced managed fund
Irish life protected consensus fund
Caledonian with profit bond
Eagle star protected balanced fund
The cost ranges from 0.5% (Caledonian) to 1.5% for most of the rest. Has anyone had experience with these funds and how do the prices seem compared to other products of equal merit?
Thanks A
 
1.5% is not too high if the fund manager is adding some feature(value) to the product that offers some guarantee or protection to the investor.
 
Does the protection come at the cost of capped returns as well as a higher management charge? Or do these funds charge extra but offer the potential for unlimited returns?
 
Both BOI and AIB 'financial advisors' hence curious to know if my best interests are served...
 
I see 1% floating about but not sure if the funds are similar or not. Who would you recommend for 1% management fee? There are no further charges except on the protected funds where the 54321% rule applies.
 
Principal is guaranteed on the protected funds however I guess the other 3 are managed to try to decrease risks but nothing guaranteed.
 
The capital gauranteed funds. Both of the managed funds are spread over equities, securities and property also which may spread the risk. Would you expect more gaurantees for those kinds of fees?
 
F. Kruger said:
Which of the QL funds would you consider "consevative/low risk funds"?
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The more conservative/lower risk of the QL Equity funds would be the Euro Freeway IMO.

This is an Equity fund so by nature it's not low risk though.
 
Autotroph said:
I have been recommended to invest in a few conservative /low risk funds
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This is only a good idea if you are approaching retirement or are extremely risk averse.

I don't know your age but if you are young than you should invest in more aggressive index funds.
 
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