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L&G (N) Tracker Trust

theGrinch
Posts: 3,133 Forumite


Does any one have any opinion or performance data (vs other trackers) on the L&G (N) Tracker Trust? There is a 1% annual management charge on the value of your holdings, which is deducted from the fund. There is no upfront charge.
The alternative is to sign up to HL Vantage, but as the tax year is approaching I am running out of time to use my ISA allowance. The L&G route would be quickest and route of least hassle for me.
The alternative is to sign up to HL Vantage, but as the tax year is approaching I am running out of time to use my ISA allowance. The L&G route would be quickest and route of least hassle for me.
"enough is a feast"...old Buddist proverb
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Comments
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Are you sure L&G trackers are 1%? The ones available to IFAs are 0.5%
10 year cumulative returns. The UK all companies sector had 131 funds with 10 years of history. Source: financial express
131 is worst fund, 1 is best so list is in reverse order with worst at the top and best at the bottom. I have shown the 100, all share and 250 trackers in order (which was easy as they are all in their own clusters and I have pulled out the managed funds to leave just the trackers and the sector average).
FTSE100 trackers
L&G 122 out of 131 with -15.97%
Scot Wid 121/131 with -14.38
Gartmore 114/131 with -8.89%
HSBC 110/131 with -7.32
RBOS 109/131 with -7.06
M&S 105/131 with -6.76
F&C 104/131 with -6.38
Liontrust 87/131 with -0.69
FTSE all share
Threadneedle 85/131 with 0.02%
Virgin 83/131 with 1.05%
Aviva 78/131 with 2.96%
Fidelity 75/131 with 4.06%
HSBC 70/131 with 5.47%
SECTOR AVERAGE would be 69 at 5.80% (thats your mid table benchmark where you find most passive managed funds)
L&G 62/131 with 8.14%
M&G 61/131 with 8.41%
F&C 58/131 with 9.03%
FTSE 250
HSBC 19/131 with 43.70%
The figures take into account the annual management charges and normal retail price. I was surprised to see only three all share tracker funds beat the sector average. No surprise to see the FTSE100 trackers bottom of the table as we knew that and no surprise to see the FTSE250 tracker near the top as that period suited them.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
The retail version the L&G tracker costs less with a 0.53% TER. Not sure what the (N) variety is?
Fidelity's FTSE All-share tracker has a TER of 0.27% and can be bought directly (not sure why either Fidelity or L&G would be quicker than buying through HL?). The difference in cost between L&G (N) Tracker Trust and Fidelity's Money Builder UK Index will be £75.45 over a 10 year period for every £1,000 invested (assuming an identical tracking error and the 0.73% difference in charges remains unchanged)."The state is the great fiction by which everybody seeks to live at the expense of everybody else." -- Frederic Bastiat, 1848.0 -
Does any one have any opinion or performance data (vs other trackers) on the L&G (N) Tracker Trust? There is a 1% annual management charge on the value of your holdings, which is deducted from the fund. There is no upfront charge.
The alternative is to sign up to HL Vantage, but as the tax year is approaching I am running out of time to use my ISA allowance. The L&G route would be quickest and route of least hassle for me.
Still, you'd be better going with H-L. It's not difficult to sign up.
You can dump your cash in and decide later where you want it invested. A FTSE tracker isn't probably the best place at the moment, with more dips expected.0 -
thanks one and all. yup its via Nationwide. I have the H-L paperwork here. I promise I will sit down and face it"enough is a feast"...old Buddist proverb0
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