80/20 multi-asset funds

slapPCM

I wonder what the other 80/20 multi-asset fund options I have apart from VLS and HSBC?

I am particularly looking for 80/20 -ish split (as I know HSBC split float from time to time). The other big house names do have strong multi-asset options but not particular in 80/20 split. They are mostly in more conservative categories, e.g. 60/40, or even heavier bond.

I am looking for long term 15+ years, hence the question. I just wanna know I haven't missed anything here? Thanks.

csgohan4

have you considered Target retirement funds from Vanguard as an option as well?

Or you could make up the funds through your own choosing entirely, 80% global index tracker and 20% low risk glit of your choice for example

Sailtheworld

csgohan4 said:

Or you could make up the funds through your own choosing entirely, 80% global index tracker and 20% low risk glit of your choice for example

There's a fee advantage in going this route. VLS80 0.22% vs VWRL 0.22% and VGOV 0.07%. Not exactly like for like but maybe close enough.

ColdIron

These might be worth reviewing, they both stray around 80% as they are risk targeted

BlackRock Consensus 85
Legal & General Multi Index 5

csgohan4

Sailtheworld said:

csgohan4 said:

Or you could make up the funds through your own choosing entirely, 80% global index tracker and 20% low risk glit of your choice for example

There's a fee advantage in going this route. VLS80 0.22% vs VWRL 0.22% and VGOV 0.07%. Not exactly like for like but maybe close enough.

Don't forget the fund advantage as well. Not everything is also about the OCF.  VLS has a large UK equities exposure, some may not be comfortable with this. 

I also hold active small caps,EM fund and tech fund which I chose myself rather than leave it to someone else. Plus you get to take advantage of each fund managers specialist area rather than rely on a general one.  

Invariably this will improve diversification and hopefully outcome

eskbanker

https://monevator.com/passive-fund-of-funds-the-rivals/ summarises the market, albeit it doesn't address the 80/20 requirement specifically.

Albermarle

eskbanker said:

https://monevator.com/passive-fund-of-funds-the-rivals/ summarises the market, albeit it doesn't address the 80/20 requirement specifically.

It is just missing a newer one - Blackrock mymap series 

xylophone

https://monevator.com/blackrock-mymap-fund-of-funds/ may be of interest.

IvanOpinion

This list may be a reasonable starting point for finding others
https://citywire.co.uk/funds-insider/sector/aggressive-gbp-funds/i2698/?periodMonths=60&page=1&expandedList=true

dunstonh

I am particularly looking for 80/20 -ish split (as I know HSBC split float from time to time). The other big house names do have strong multi-asset options but not particular in 80/20 split. They are mostly in more conservative categories, e.g. 60/40, or even heavier bond.

Most of the multi-asset funds are risk targetted and this makes them better than a fixed equity split.  So, you shouldn't be focused on equity split but risk level.  Nearly all the similar funds have versions to cover the main risk profiles.

slapPCM

I appreciate your replies guys.

@IvanOpinion When the time comes, I will pick my satellite from the list. At the moment, I only consider passive fund of funds. 

@Albermarle @xylophone I am willing to dip my toes into mymap 6, even it appears to be somewhat "dodgy" in terms of market timing....

@ColdIron the two you mentioned are in my watchlist, but they are somewhat lower in growth (equity%), atm 66% and 48%, blackrock consensus 85 has a high uk weight of 35.63%. I'd be still comfortable with VLS's UK weighting. So I won't be considering at this time.

@csgohan4 @Sailtheworld Won't consider target retirement, as not much different from VLS but a higher fee, I will change to 60/40 when the time comes. Not really considering any form of diy atm (not even two funds lol), still learning, plus main job not earning THAT much but demanding however fulfilling... and, i do like having different funds from major providers...

have to say though I have been tempting simple diying like 2 or 3 funds, but then can't really see the advantage over just have a multi-asset fund (apart from the VGOV's 0.07% fee)? enlighten me please...

so for this round I will keep buying HSBC and/or VLS, plus test water with mymap6 unless anyone has any tips to share...