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Low charges tracker?

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Comments

  • spexs
    spexs Posts: 340 Forumite
    Part of the Furniture Combo Breaker
    Perelandra wrote: »
    If you want a single Vanguard LifeStrategy tracker, then HL will work out the cheapest for most. If you want Vanguard, but want more than a couple of different funds, then it gets more complicated. HL also have their unique SWIP Index tracker, which is unbeatable for a UK index (but does come with the HL platform fee, so even with the exceptionally low AMC, it may not work out cheapest for low-value investors).

    For most other trackers, I find Cavendish to be cheapest (as has been said above), but you will be limited here to "dirty" funds and no shares, so might not be best for mix 'n match investors.

    What are "dirty" funds?
  • innovate
    innovate Posts: 16,217 Forumite
    10,000 Posts Combo Breaker
    spexs wrote: »
    What are "dirty" funds?

    The opposite of clean funds - - which are funds that don't have any hidden commission, and for which you can tell exactly what the charges are and who gets them when.
  • guitarman001
    guitarman001 Posts: 1,052 Forumite
    Vanguard only REALLY pays off when you have more than £10k invested. The £2 a month really eats into costs.. UNTIL you have lots sitting on it.
  • bigfreddiel
    bigfreddiel Posts: 4,263 Forumite
    donniej wrote: »
    This document shows which sectors the LifeStrategy funds are invested in: https://www.vanguard.co.uk/documents/adv/literature/target-allocation-appproach.pdf - so you could buy tracker funds to replicate this allocation, and get similar results to the Vanguard funds.
    you can do the same replication with etf's - no clean or dirty worries, just trade them like shares with the bonus of no stamp duty - checkout VUSA, VGOV, VFEM and VWRL for a few from vanguard, others from iShares and other providers

    see ya!

    fj
  • grey_gym_sock
    grey_gym_sock Posts: 4,508 Forumite
    those ETFs can be very useful. the thing to watch for smaller investments is the dealing commission.

    on the plus side, there are many providers with no charges for just holding shares (including ETFs). unlike for funds.

    if you don't have enough cash to buy several ETFs, then VWRL gives you world equities in a single ETF, with 0.25% TER. (though that just covers equities - you may also want bonds, or even other asset classes.)
  • Froggitt
    Froggitt Posts: 5,904 Forumite
    Went for the BlackRock Emerging Markets Equity Tracker Fund A thru Cavendish. Thanks all for opinions etc.
    illegitimi non carborundum
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