Ok sorry I guess the trackers are means of indirectly investing in stocks?
Would these trackers be safer than directly investing in stocks, considering I have no experience. I thought these costs seem quite low, just the CGT to pay on top?
There is an awful lot of over lap in those funds: FTSE All Shares includes the FTSE 100 and no doubt the Global Shares will also include some or all of the FTSE 100...
And even though you live in Euroland you have almost totally ignored it...
Buy ten stocks of companies in different industry sectors at €10k each, you will be very well diversified then. Any of the above funds will give you diversification anyway however there are tax issues with selling funds that don't apply to shares/stocks. ETF's don't seem to be a very good idea if you are tax resident in Ireland however shares will only attract capital gains tax when sold. DYOR.Any suggestions then for greater diversification.
How about adding/replacing some of the above with....
European trackers
Those people looking for a fund that tracks the European indexes could consider the http://ad.doubleclick.net/clk;268771374;94869120;x (Fidelity Index Europe excluding UK) which costs 0.12%, but you can cut that to 0.1% if you buy via Cavendish Online or http://ad.doubleclick.net/clk;268771374;94869120;x (Fidelity). It tracks the MSCI Europe excluding UK Index.
and
US trackers
The cheapest US tracker fund is the http://ad.doubleclick.net/clk;268771374;94869120;x (Fidelity Index US), which has ongoing charges of 0.1%, although you can reduce that to 0.08% if you buy the fund through http://ad.doubleclick.net/clk;268771374;94869120;x (Fidelity) or Cavendish Online.
I assume the 100k isn't borrowed money
...and interest-only mortgages at that.
Investing in equities while in that position is essentially doubling down on what is already a highly risky speculative bet on asset prices. A sharp interest rate increase could bring down the whole house of cards.
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