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Yup, I always tell friends/relatives this.
Just pick up a mix of the below and set it & forget it.
80/90% of funds into these:
10/20% into individual companies you like.
I think it’s helpful to put some money into individual stocks that way you get a feel/understanding of the market. Plus I feel like they will be more invested/interested in learning when it’s a single company vs ETF of 500+ companies.
Could you please add a “Why YSK:”? It’s rule #2. It's also helpful for readability, and informs readers about the importance of the content. Thank you. :)
This. My bank insisted on a meeting to sell me their human financial advisor services, which ended up being an hour of me asking over and over: “but I still don’t understand, why is it better than placing them on mutual funds?”, and of them trying tediously to justify their own existence. I was very unimpressed.
You got a managed fond for 1.25% ? Lucky you. When I noticed the garbage I bought I found one with 3% and another with 2%.
The 3% one actually consistently performed quite well on paper, compared to passive fonds, but not after substracting the fees. The only winner is the Fond management.