2 pots to invest into ETF's

Moe_The_Bartender

ESPO is priced in $. ESGB is the U.K. equivalent. It's been a great play on COVID (I hold it) but possibly running out of steam. I would still continue holding as it has some excellent stocks.

Also look at WCLD which has also been a COVID beneficiary.

wolves1976

Alexland said:

wolves1976 said:

POT2:
S&S ISA = IWeb - 100% Stocks ETF  - world tracking + Emerging Market (if the world tracking one doesn't capture)

I still don't understand what you don't like about the HSBC All World Acc fund at 0.13% for your iWeb ISA? Bowlhead mentioned it above, I mentioned it twice last time and it gives the equities exposure you want in a single fund. So much cheaper than the Vanguard All World and All Cap options and includes EM unlike the similar priced World options.

i think it is how i wrote the line, coupled with the fact i was looking at the wrong HSBC tracker. suppose i am used to looking at factsheets/funds within Vanguard so can see what i am looking for.
line should read.   
S&S ISA = iweb - 100% equities such as a Global tracker that includes EM or one that global (but with no EM) and a second that has missing EM's

Alexland

I just don't think there is a better answer for that requirement on iWeb than the HSBC fund. 2 funds (World+EM) is not ideal as it would increase the £5 trade fees to buy, regularly rebalance and sell. It might be worth it if the 2 funds had a weighted cheaper running cost but the HSBC fund is already very good value. We have held it for a while and are very happy customers and even more pleased since the charge dropped to 0.13%.

[Deleted User]

VWRP (or the HSBC one mentioned earlier) and VAGP, cheap and cheerful, mix to your hearts content

quirkydeptless

Deleted_User said:

VWRP (or the HSBC one mentioned earlier) and VAGP, cheap and cheerful, mix to your hearts content

VWRP is accumulating, VAGP is distributing. Is there an accumulating equivalent of the latter, either from Vanguard or another provider?

[Deleted User]

quirkydeptless said:

Deleted_User said:

VWRP (or the HSBC one mentioned earlier) and VAGP, cheap and cheerful, mix to your hearts content

VWRP is accumulating, VAGP is distributing. Is there an accumulating equivalent of the latter, either from Vanguard or another provider?

VAGS

Another_Saver

Deleted_User said:

quirkydeptless said:

Deleted_User said:

VWRP (or the HSBC one mentioned earlier) and VAGP, cheap and cheerful, mix to your hearts content

VWRP is accumulating, VAGP is distributing. Is there an accumulating equivalent of the latter, either from Vanguard or another provider?

VAGS

You could also buy vanguard global bond index fund - accumulation which is essentially identical.

wolves1976

HSBC FTSE All-World Index Fund Accumulation C.  
Q1:  Fidelity show charge as  0.18%, will this drop to 0.13% like the factsheet (on trustnet) reads or can they keep at higher charge rate

DireEmblem

wolves1976 said:

HSBC FTSE All-World Index Fund Accumulation C.  
Q1:  Fidelity show charge as  0.18%, will this drop to 0.13% like the factsheet (on trustnet) reads or can they keep at higher charge rate

It looks like Fidelity's record is out of date - see page 166 of the Annual accounts.

https://www.fundslibrary.co.uk/FundsLibrary.DataRetrieval/Documents.aspx/?type=packet_fund_doc_reports_and_accounts&id=9b00aec8-4508-4396-83f6-fa012ec6195d&user=cw4xulzc1I4Db6tpP1pNEQLyx62JIxaU/4Is2h1h38OfBTmhcmCWyhx+85rrH9pj&r=1

0.13% is the estimate as registrar fees are no longer paid by the share class.  Its a little strange for a fund not to be charged registrar fees, but that's what they are quoting.

bowlhead99

wolves1976 said:

HSBC FTSE All-World Index Fund Accumulation C.  
Q1:  Fidelity show charge as  0.18%, will this drop to 0.13% like the factsheet (on trustnet) reads or can they keep at higher charge rate

The figure is an estimate but yes the figure has dropped from previous year as per the prospectus. Some sources will report based on last year's actuals rather than current estimates. But they won't arbitrarily charge you a higher percentage than everyone else in the same share class just because you're accessing it through Fidelity. 

I explained that the 0.13% was the figure to expect, in your other thread last week:
https://forums.moneysavingexpert.com/discussion/comment/77694667#Comment_77694667

bowlhead99 said:

wolves1976 said:

Alexland said:

If you have over £100k in an ISA wrapper and want 100% equities (although it might not be suitable for your risk tolerance if you are going to get upset when markets are low, make behavioural mistakes of selling low, etc) then consider the HSBC FTSE All World accumulation fund (OCF of only 0.13% and includes some EM exposure) which unlike an ETF would have FSCS protection up to £85k (obviously not for normal investment ups and downs) and for platform consider iWeb for £25 setup and £5 per trade (or maybe Halifax Share Delaing could be cheaper if making regular scheduled purchases).

Vanguard Investor's platform charges are better suited for smaller accounts and their All World/Cap products are not cheap so with enough money you are better going to a fixed fee platform and having more choice to find better value products.

@Alexland - can you advise on this fund, name, factsheet location pls.  HSBC FTSE All World accumulation fund - can seem to find this one @ 0.13%

The fund is HSBC FTSE All World Index, the share class "Class C Accumulation" which most UK retail investors would have access to, has an estimate of 0.13% OCF - see factsheet:
link

Certain factsheets show this class at 0.18% OCF, if they are taking the cost estimate from the fund's last financial year ended mid-November 2019. 

But HSBC's own current prospectus now puts that class of the fund as having an AMC of 0.10% within an OCF of 0.13%, and foototes it with:
  * The OCF is estimated following the change to charges on 1 April 2020. 

The actual reported OCF won't universally update until the next annual report comes out, so it is a similar story with a number of other HSBC products which had reductions on their Class C units this year - e.g. their FTSE 250 index tracker shows as 0.18% on some factsheets but the prospectus shows 0.12% for both Inc C and Acc C as the charges you'd be exposed to going forward if you bought today.