Thanks for that - I suppose it would save a lot in fees and I'll have spare time to read up on companies. After all, I'm only buying what fund managers buy anyway. The only downside that I could see was the lack of monthly income but if I'm buying, say, a spread of 100 companies and bonds the dividends would be pretty much spread out through the year anyway.
Fair enough, I'm in two minds whether to use a fund with monthly income to reduce risk or buy a wide selection of dividend paying stock to avoid fees. I've no problem selecting shares myself but always good to hear others opinion. No problem though - I fully appreciate your position.
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