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Old 02.11.2010, 09:17
axman axman is offline
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Re: Investment Fund Savings Plan/Income Plan

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-1 for a simple index tracker fund. Obviously if you know what you're doing and you have time to devote then great. Financial planning in general isn't about simple market exposure (which market, for whom, at what stage in life?). Most people will enter the market at the wrong time, need their money while the market is down and all in all be in for an expensive (though low cost) exercise.
I agree with what you are saying. How to invest needs to be a very well considered decision. However, it seems to me that the OP has a 12 year time frame, so timing the market is not that important, the money is not needed within the time frame, and the low cost would help a lot when compounded over the period.

Yes, this might not fit into OP's personal situation (more info would be needed), but the OP would do well to ask CS about index funds because CS will probably try and sell you all sorts of funds, but not low cost funds.
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