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Everyone says go for boring trackers but which boring trackers?
Cheap boring trackers.
The more diverse / generic, the cheaper they tend to be - FTSE all share is cheaper than FTSE250, is cheaper than FTSE100 etc...
Over the course of 25+ years, the more diversified indices will likely track higher for the funds that you or I might buy (as in, we're not putting money in funds that charge 2 & 20 or 3 & 30, and make alpha returns of 20% per year)
NotThamesWater
If it all comes out in the wash over time, how do you choose funds? I've got pension contributions I want to allocate to something. Everyone says go for boring trackers but which boring trackers? Anything else?