Advantages: Cheap products, easy to invest in, good dividend yield, unlike shares in a company will never go bust Disadvantages: Index concentrated in 10 companies meaning more risk, not for ethical investors, sensitive to oil prices
PLC-A SHARES - Oil - 5.08%
6 - ROYAL BANK OF SCOTLAND - Banking - 3.75%
7 - ROYAL DUTCH SHELL PLC-B SHARES - Oil - 3.67%
8 - ASTRAZENECA - Pharmaceuticals - 3.2%
9 - BARCLAYS - Banking - 2.68%
10 - HBOS - Banking - 2.47%
(Taken from FTSE100 on 21/10/05)
The total percentage of the FTSE100 index made up of these 10 companies is 51.46%; the other 90 make up 48.54%. When you invest in the FTSE100 index you have to be prepared to accept that the share prices of these 10 companies have a great deal of influence on the value of your investment. It doesn't bother me, but 51.46% might be too concentrated for some people. With the companies BP and Shell making up almost 19% of the index at the moment, it is very sensitive to oil prices. Recently the FTSE100 index reached a 3-year high; this was partly caused by the increase in ...
gorvifal3 22.10.2005
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Ciao members have rated this review on average: very helpful Review of FTSE 100
Advantages: tracks ftse uk index,low charges, spread risk , can be ISA'd Disadvantages: covers all sectors, can miss out on sector over performance
where to look? Well Fidelity Moneybuilder Index Fund fits the bill for me. It is available from Fidelity's Funds Network which is a supermarket of investment funds with over 950 different funds from 55 fund managers.
Fidelity Moneybuilder UK index
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Aims to track the FTSE all share index which means it invests in the Large FTSE100 companies down to smaller companies in the main market, but not AIM market stocks.
Performance
On the fidelity website you have a very useful feature that gives you an overview of each fund.
Over five years the fund has returned 4.9% now remember that the market fell 28% from 2001-2002
over three years the fund returned 23.6% and over a year 27%
Charges
Now this is where Fidelity score over the competition.
There is no initial charge on ISA and ISA ...
Advantages: Great package for possibly cheaper than what you now pay. Disadvantages: Strict eligibility criteria
Mobile phone insurance
Gadget insurance - PDA, Games, sat nav, laptop etc
Extended warranties on all electrical goods over £25
Will writing service
Membership of Priority Pass including 6 free VIP lounge visits per year, extras at reduced rate.
24 hour legal service
Cardholder protection insurance
Accidental death cover (£7500...)
Domestic emergency cover
Lifestyle manager to book tickets, events, electrician etc - "anything, try us"
all at no additional cost after the monthly fee of £17.50 per month if meet criteria, £25 per month if you dont.
PREMIER LIFE ELIGIBILITY CRITERIA TO JOIN:
* UK resident
* Earn £100,000+, OR
* Have £50,000 to invest through Barclays
OK, so this isn't for everyone but I have to say that when I added up my travel insurance, breakdown cover etc it comes out a lot more than the £17.50 per month and so was ...
zoetna 20.03.2008 (31.03.2009)
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Ciao members have rated this review on average: very helpful Review of Barclays Bank
