Investment Bug

A_Flock_Of_Sheep

Well as a few might know I am new to investing and have now finally got my portfolio up and running. It has taken since the new financial year and I am still waiting for transfers in of cash ISAs

My portfolio is now made up from:

Invesco Perpetual High Income (acc)
Invesco Perpetual Japan (acc)
Newton Asian Income (inc)
Unicorn UK income (inc)
Marlborough Multi Cap (acc)
HSBC GIF Turkey Fund

socrates

I am by no means an expert BUT the general advice here and on every other forum I have looked at suggests at least one Vanguard product - and try to tie it in to when you retire

A_Flock_Of_Sheep

socrates wrote: »

I am by no means an expert BUT the general advice here and on every other forum I have looked at suggests at least one Vanguard product - and try to tie it in to when you retire

I have just searched for Vanguard on H&L ad the products just seem much of a muchness against other providers like Invesco, Newton, Schroder etc.????

The search throws up a mix of Emerging Markets, Strategic Bonds and Equities.

Anyone else shed some more "experienced" light on why Vanguard is so special?

socrates

A_Flock_Of_Sheep wrote: »

I have just searched for Vanguard on H&L ad the products just seem much of a muchness against other providers like Invesco, Newton, Schroder etc.????

The search throws up a mix of Emerging Markets, Strategic Bonds and Equities.

Anyone else shed some more "experienced" light on why Vanguard is so special?

One word "costs"

A_Flock_Of_Sheep

socrates wrote: »

One word "costs"

So I see. Some have entry charges and platform fees. Not really interested in that so much then plus the price per unit seems quite excessive.

I know you shouldn't look at past performance but other non Vanguard products have performed just as well if not better over the past.

socrates

A_Flock_Of_Sheep wrote: »

So I see. Some have entry charges and platform fees. Not really interested in that so much then plus the price per unit seems quite excessive.

I know you shouldn't look at past performance but other non Vanguard products have performed just as well if not better over the past.

Others will be along to clarify

A_Flock_Of_Sheep

socrates wrote: »

Others will be along to clarify

I am interested. Over the last 5 years the Unicorn UK Income fund has performed better that the
Vanguard FTSE UK Equity Income Index Accumulation Shares



But the Vanguard better than IP-HI.

jem16

A_Flock_Of_Sheep wrote: »

So I see. Some have entry charges and platform fees.

All funds have platform charges but some are hidden from view and included in the annual management charge. With the platform review that is all going to change over the coming months and all charges will have to be explicit.

As to the entry charge, the Vanguard funds have a dilution levy which is different from an entry charge although obviously chargeable.

Not really interested in that so much then plus the price per unit seems quite excessive.

With regards to what exactly? It doesn't matter what the price per unit is, you still have the same value regardless of fund chosen.

I know you shouldn't look at past performance but other non Vanguard products have performed just as well if not better over the past.

Yes they probably have. However you have to choose your funds based on how you want to invest and where you want to invest. Then choose the fund most suitable for the job.

The Vanguard Lifestrategy funds are being suggested because they are portfolio funds. Whether these will suit your objectives depends on how active you want to be with your portfolio.

dunstonh

But the Vanguard better than IP-HI.

They are not comparable funds as they have different objectives and you would expect different performance at different times. They are also have different volatility levels. Not significantly but enough for you to consider the impact on the overall portfolio.

Any

If you are with H&L as I am then for smaller amounts Vanguard is excessively expensive as they have monthly platform charge of I think £2. So if you have say £500 in it that is charge of 5% a year. Plus annual management charge. If you have £50k we are in different ball game completely as the annual charges are much lower then active funds.
Vanguard is good, but if you are active investor you can replicate the holdings and it is definitely not given that to be good investor you must hold one Vanguard.

I like your funds. Why Turkey? Just asking if you have some backing behind it.. no point of buying something if you don't really believe it..so I guess I am asking is this your personal choice?

A_Flock_Of_Sheep

Any wrote: »

If you are with H&L as I am then for smaller amounts Vanguard is excessively expensive as they have monthly platform charge of I think £2. So if you have say £500 in it that is charge of 5% a year. Plus annual management charge. If you have £50k we are in different ball game completely as the annual charges are much lower then active funds.
Vanguard is good, but if you are active investor you can replicate the holdings and it is definitely not given that to be good investor you must hold one Vanguard.

I like your funds. Why Turkey? Just asking if you have some backing behind it.. no point of buying something if you don't really believe it..so I guess I am asking is this your personal choice?

The Turkey fund has a small entry fee but since holding it I have far away covered the cost. I have my reasons and thoughts for Turkey. Have a look at the fund on HL as that is who I use. And yes vanguard does seem expensive for smaller investors like me.