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  • yeah I completely get what you're saying.
    it's not my recommendation to get an adviser, just what OP asked.
    I don't know what would stop one using a Vanguard Tracker Fund to be honest. the whole point is to pick something with as low a fee as possible.

  • If markets are stable something with a low fee is smart. Fees aren't everything though. During volatile market conditions actively managed funds (often with higher fees) will very often outperform indexed funds.

  • During volatile market conditions actively managed funds (often with higher fees) will very often outperform indexed funds.

    Apart from the ones which don't.

    Edit: yes, long only funds will suffer as a group in downward cycles but I've yet to see compelling evidence that active funds are better in the long run.

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