The Lazy 投資家s' guide: We 明らかにする／漏らす six ways to get richer with an Isa the hassle-解放する／自由な way
- Instead of 在庫／株 選ぶing there are cheap 索引 基金s that 跡をつける entire markets
- There are 基金s designed to have everything you need for a balanced 大臣の地位
- We 明らかにする／漏らす the 最小限 needed to get started and to keep 投資s on 跡をつける?
In most walks of life, the more 成果／努力 you put into something, the better the 結果. 投資するing isn't one of them.
Of course, it's 必須の to do some 研究; you need to understand what you're doing with your cash.
But there is no 証拠 that spending endless hours watching 在庫／株s and tweaking a 大臣の地位 gets you any richer than a more 手渡すs-off approach ― a quick check-up on how things are 進歩ing once a year, or when your circumstances change.
On the contrary, constant 干渉 with your 投資s can lead to worse results than taking the lazier approach. たびたび（訪れる） buying and selling 背負い込むs 料金s, which eat into your 利益（をあげる）s.
Sit 支援する and relax: Constant 干渉 with your 投資s can lead to worse results than taking the lazier approach
試みる／企てるing to time markets is a fool's game ― and often leads to you buying before markets 落ちる and selling ahead of them rising. Even the 専門家s struggle to （警官の）巡回区域，受持ち区域 the 示す t most of the time.
So, if you fancy the returns 申し込む／申し出d by 投資するing, but don't have the time or inclination to take it on as a new 事業／計画（する） or hobby, this guide is for you.
Even if you spend time getting to know your 投資s in depth, many of the 原則s 申し込む／申し出d here still 持つ／拘留する true.
Not all 大臣の地位s will be ふさわしい to a light-touch approach ― if you have a 複雑にするd 範囲 of holdings more 正規の／正選手 scrutiny may be necessary.?We go through the 最小限 you need to do to get started ― and to keep your 投資s on 跡をつける.
1. Don't 選ぶ: buy everything
You could spend countless hours trying to find the very best 投資s ― trawling company 報告（する）／憶測s, 基金 sheets and 経済的な 予測（する）s. Or you could just buy the lot!
There are now a growing number of cheap, いわゆる 索引 基金s 利用できる to ordinary 投資家s. They 許す you to buy a sliver of hundreds, thousands or even tens of thousands of companies in one 基金.
They do this by buying 株 in every company within a 株式市場 索引.
For example, a FTSE 100 tracker 基金 would 含む／封じ込める 株 of each of the 100 biggest companies 名簿（に載せる）／表（にあげる）d on the London 在庫／株 交流.
An MSCI World 索引 基金 would 持つ／拘留する 株 in all the biggest companies around the world.
Simple steps:?試みる／企てるing to time markets is a fool's game ― and often leads to you buying before markets 落ちる and selling ahead of them rising
The disadvantage of these 基金s is that, by their nature, they cannot （警官の）巡回区域，受持ち区域 the market. They 許す you to buy the whole market, which means you will do no better or worse than the 普通の／平均（する）.
However, the advantage is that you save yourself the bother of trying to work out which 投資s are likely to make you more money than the 残り／休憩（する）.
加える, over the long 称する，呼ぶ／期間／用語, a simple, 井戸／弁護士席- diversified 大臣の地位 of 株 from around the world tends to rise in value and 申し込む／申し出 better returns than 利益／興味 earned in a cash 貯金 account.
The second advantage is that they are often very cheap.
For example, Fidelity's 索引 UK 基金 gives you an 投資 in the companies 名簿（に載せる）／表（にあげる）d on the London 在庫／株 交流 ― with an 現在進行中の 告発（する），告訴（する）／料金 of 0.06 per cent.?
To put that into 視野, 活発に managed 基金s, where a 大臣の地位 of companies is 手渡す-選ぶd by an 専門家 基金 経営者／支配人, can easily 徴収する 年次の 告発（する），告訴（する）／料金s of more than 1 per cent.
2. Or just buy one 選び出す／独身 基金
If you're feeling 最高の lazy, you could start by buying a 選び出す／独身 基金 that is designed to 含む／封じ込める everything you need for a balanced 大臣の地位.
For example, if you are saving for 退職, 資産 経営者／支配人 先導 申し込む／申し出s a 範囲 of 的 退職 基金s that 簡単に 要求する you to 明言する／公表する when you hope to stop working to 決定する which one is 権利 for you.
The 基金s 含む／封じ込める both 株 and 社債s in a combination appropriate for someone of your life 行う／開催する／段階. As you age, 先導 転換s the mix of 株 and 社債s so that the 基金 changes with you ― rather than you having to switch 基金s as you grow older. They cost just 0.24 per cent in 現在進行中の 告発（する），告訴（する）／料金s.
Its LifeStrategy 範囲 申し込む／申し出s a 類似の level of 簡単. These are five 基金s, 含む／封じ込めるing a mix of 株 and 社債s, and you answer questions to 決定する how much 危険 you are happy to take.
In general, the greater the 危険, the better the likely returns. 先導 then 示唆するs the appropriate 基金. These cost 0.22 per cent per year.
資産 経営者／支配人 BlackRock has a 類似の 範囲 called MyMap, which 申し込む／申し出s eight 基金s of 変化させるing levels of 危険.
Some are also designed for people who wish to draw an income from their 投資s and for those who wish to 投資する only in 資産s that have been 審査するd for their 環境の, Social and Governance 跡をつける 記録，記録的な／記録する. These have 各々の 現在進行中の 告発（する），告訴（する）／料金s of 0.17 per cent ― or 0.28 per cent for the income 見解／翻訳／版.
Unlike the 先導 基金s, these have more built-in 柔軟性 to change the composition of the 大臣の地位 によれば market 条件s. But, again, you don't need to worry as it is all done for you.
The BMO 維持できる 全世界の／万国共通の MAP 範囲 is a 始める，決める of five 基金s ― each with a different 危険 profile.
These are designed with sustainability in mind and are overseen by a team of 経営者／支配人s. They have an 現在進行中の 告発（する），告訴（する）／料金 of 0.35 per cent.
High Street banks and 投資 壇・綱領・公約s also often 申し込む／申し出 類似の 基金 範囲s that 要求する little or no 専門的知識 from 投資家s to 持つ／拘留する them.
However, if you're going to 選ぶ for one of these, it is 価値（がある） doing a quick check of the 料金s ― and comparing the 業績／成果 to other 類似の 基金s.
3. Decide where to buy your 基金
Most 投資家s don't 持つ／拘留する 基金s 直接／まっすぐに. Instead, they open an account on an 投資 壇・綱領・公約 and use it to buy 基金s .
選ぶing a 壇・綱領・公約 is straightforward. The main things you'll want to consider are 料金s, what 肉親，親類d of service it 申し込む／申し出s and the 投資s it 許すs you to buy.
You can read an excellent, in-depth guide from our sister website This is Money.
An Isa is a 広大な／多数の／重要な place to start if you are 投資するing for the first time. However, you could also consider a 年金 and decide which one is 権利 for you.
壇・綱領・公約s also 申し込む／申し出 general 投資 accounts, but these don't 供給する the 税金 利益s of 年金s or Isas, so should only be used once these 税金-friendly allowances have been exhausted.
4. Check every now and then
If you're 投資するing for the long-称する，呼ぶ／期間／用語 and you have a 大臣の地位 that you are happy with, you may not have to check up on it more than once a year.
The main thing you need to keep an 注目する，もくろむ on is the level of 投資 危険 you are taking.
If you are checking your 大臣の地位 with trepidation 定期的に and the thought of it is keeping you up at night, that can be a good 指示，表示する物 that you've taken on too much 危険.
危険 寛容 is not static ― it can change as your circumstances do ― for example if you are reaching 退職 or rethinking your 投資 goals. So, you will need to check in from time to time.
5. Get more 伴う／関わるd later
You may find that you love 投資するing and would like to get a bit more 手渡すs-on. In that 事例／患者, a いわゆる 衛星 投資 approach can work 井戸／弁護士席.
You buy a small number of low-cost 索引 基金s that （不足などを）補う the 本体，大部分／ばら積みの of your 投資s and give you a nice solid, diversified grounding.
Then you 追加する '衛星s' ― smaller holdings in more niche 基金s that 投資する in 明確な／細部 地域s, 部門s, or 主題s.
That way, you get to 実験（する） your 有罪の判決s, but without 危険ing your whole 投資 大臣の地位 on them.
6. Don't take your 注目する，もくろむs off the 料金s
One thing you cannot do is forget about the 料金s.?
Don't overpay ― for your 投資 壇・綱領・公約, 基金s, or any other 料金s. They eat into your returns and erode your wealth.
