Adding new funds

Albermarle

The cheapest option is to pay for £19 for 1 month's usage.  However I think this is wildly OTT for the OPs needs. Unless you are an asset allocation geek just buying 1 month occasionally may be worthwhile for large portfolios.

You can also join free for 14 days , so in theory you can use that time to make full use of the site .

However I understand that you have to sign up properly first, and they make it very difficult to cancel before the 14 days are up.

Linton

Albermarle said:

The cheapest option is to pay for £19 for 1 month's usage.  However I think this is wildly OTT for the OPs needs. Unless you are an asset allocation geek just buying 1 month occasionally may be worthwhile for large portfolios.

You can also join free for 14 days , so in theory you can use that time to make full use of the site .

However I understand that you have to sign up properly first, and they make it very difficult to cancel before the 14 days are up.

Yes, though the 14 days is intended as the time to reconsider your purchase rather than an explicit period of free usage.  I do not think you could use this more than once.

On cancelling, there are a lot of complaints about this but there is actually a not very well publicised help line which from my experience can sort out all subscription problems efficiently.

Yanling

AnotherJoe said:

Yanling said:

Hi i have invested vls 80 and vls 100 with vanguard for ISA, i am going to invest a few funds as well, these funds are: ESG Developed World All Cap Equity Index Fund (UK), Global Small-Cap Index Fund, FTSE All-World UCITS ETF, FTSE North America UCITS ETF, FTSE Emerging Markets UCITS ETF. any ideas and opinion? thank you all

A venn diagram of your current and proposed purchases  would achieve sentience to ask why you had so many pointlessly and massively overlapping investments. 
What is your thinking here ? It's like going into Tesco, picking up a Mars bar  and a Milky Way, and then thinking, well perhaps I shouldn't have too much chocolate so I'm going to get a Crunchie, ,  oh and those Kit Kat's look interesting,  but all chocolate could be a bit filling so let's get some maltesers. 

There's only one that really doesn't have much overlap, the small cap, and most people, me included, woudl point out that for small cap, active funds tend to do better than indexes.
Pick ONE global fund (I suggest the one with the lowest charges or an ESG because there's a rationale behind either choice ) and a small cap (but an active one, not your choice)  and an emerging markets as well if that floats your boat. 

If you  use the  charting function in HL to compare the investments you chose youd see how most track each other - because they are pretty much the same underlying investments and because it's a global economy. 

Hi, I would like to pick 1) FTSE All-World UCITS ETF Or VLS 100 for 60% of investment 
2) FTSE Emerging Markets UCITS ETF for 15 %
3) Global Small-Cap Index Fund for 25%
Any ideas? Many thanks !

Thrugelmir

Yanling said:

AnotherJoe said:

Yanling said:

Hi i have invested vls 80 and vls 100 with vanguard for ISA, i am going to invest a few funds as well, these funds are: ESG Developed World All Cap Equity Index Fund (UK), Global Small-Cap Index Fund, FTSE All-World UCITS ETF, FTSE North America UCITS ETF, FTSE Emerging Markets UCITS ETF. any ideas and opinion? thank you all

A venn diagram of your current and proposed purchases  would achieve sentience to ask why you had so many pointlessly and massively overlapping investments. 
What is your thinking here ? It's like going into Tesco, picking up a Mars bar  and a Milky Way, and then thinking, well perhaps I shouldn't have too much chocolate so I'm going to get a Crunchie, ,  oh and those Kit Kat's look interesting,  but all chocolate could be a bit filling so let's get some maltesers. 

There's only one that really doesn't have much overlap, the small cap, and most people, me included, woudl point out that for small cap, active funds tend to do better than indexes.
Pick ONE global fund (I suggest the one with the lowest charges or an ESG because there's a rationale behind either choice ) and a small cap (but an active one, not your choice)  and an emerging markets as well if that floats your boat. 

If you  use the  charting function in HL to compare the investments you chose youd see how most track each other - because they are pretty much the same underlying investments and because it's a global economy. 

3) Global Small-Cap Index Fund for 25%

When the largest holding has a market valuation of  $10 billion hardly small.  In fact it would rank about 70th in the FTSE100. 

Albermarle

Thrugelmir said:

Yanling said:

AnotherJoe said:

Yanling said:

Hi i have invested vls 80 and vls 100 with vanguard for ISA, i am going to invest a few funds as well, these funds are: ESG Developed World All Cap Equity Index Fund (UK), Global Small-Cap Index Fund, FTSE All-World UCITS ETF, FTSE North America UCITS ETF, FTSE Emerging Markets UCITS ETF. any ideas and opinion? thank you all

A venn diagram of your current and proposed purchases  would achieve sentience to ask why you had so many pointlessly and massively overlapping investments. 
What is your thinking here ? It's like going into Tesco, picking up a Mars bar  and a Milky Way, and then thinking, well perhaps I shouldn't have too much chocolate so I'm going to get a Crunchie, ,  oh and those Kit Kat's look interesting,  but all chocolate could be a bit filling so let's get some maltesers. 

There's only one that really doesn't have much overlap, the small cap, and most people, me included, woudl point out that for small cap, active funds tend to do better than indexes.
Pick ONE global fund (I suggest the one with the lowest charges or an ESG because there's a rationale behind either choice ) and a small cap (but an active one, not your choice)  and an emerging markets as well if that floats your boat. 

If you  use the  charting function in HL to compare the investments you chose youd see how most track each other - because they are pretty much the same underlying investments and because it's a global economy. 

3) Global Small-Cap Index Fund for 25%

When the largest holding has a market valuation of  $10 billion hardly small.  In fact it would rank about 70th in the FTSE100. 

Which is why I mentioned earlier , I was struggling to see how a global small cap fund could operate in practice.
There is a mid cap index as well which is I think where you might more likely see this size of company.

Thrugelmir

Albermarle said:

Thrugelmir said:

Yanling said:

AnotherJoe said:

Yanling said:

Hi i have invested vls 80 and vls 100 with vanguard for ISA, i am going to invest a few funds as well, these funds are: ESG Developed World All Cap Equity Index Fund (UK), Global Small-Cap Index Fund, FTSE All-World UCITS ETF, FTSE North America UCITS ETF, FTSE Emerging Markets UCITS ETF. any ideas and opinion? thank you all

A venn diagram of your current and proposed purchases  would achieve sentience to ask why you had so many pointlessly and massively overlapping investments. 
What is your thinking here ? It's like going into Tesco, picking up a Mars bar  and a Milky Way, and then thinking, well perhaps I shouldn't have too much chocolate so I'm going to get a Crunchie, ,  oh and those Kit Kat's look interesting,  but all chocolate could be a bit filling so let's get some maltesers. 

There's only one that really doesn't have much overlap, the small cap, and most people, me included, woudl point out that for small cap, active funds tend to do better than indexes.
Pick ONE global fund (I suggest the one with the lowest charges or an ESG because there's a rationale behind either choice ) and a small cap (but an active one, not your choice)  and an emerging markets as well if that floats your boat. 

If you  use the  charting function in HL to compare the investments you chose youd see how most track each other - because they are pretty much the same underlying investments and because it's a global economy. 

3) Global Small-Cap Index Fund for 25%

When the largest holding has a market valuation of  $10 billion hardly small.  In fact it would rank about 70th in the FTSE100. 

Which is why I mentioned earlier , I was struggling to see how a global small cap fund could operate in practice.
There is a mid cap index as well which is I think where you might more likely see this size of company.

I'm sure many people see the word small and don't realise that even the smallest in many indexes is around $1.5 billion. Which would place it at the top of FTSE250. These small global companies are highly correlated to their larger brethren as often form part of the supply chain. 

Passives face challenges with lower valued capitalisation stocks. As to acquire sufficient stock would result in them in controlling too much of a company's free float. The larger the fund becomes the greater the problem. 

barnstar2077

The VLS funds are meant to be one stop shops.  I know how you feel though.  You pick a fund and invest every month, but you feel like you should be doing something more.

Resisting the urge to meddle is tough, remember why you chose the VLS fund in the first place and have faith in your original strategy.

What sort of return do you need to meet your objective for this money?  If a modest return would still allow you to achieve your goals, then why take the risk of trying to second guess Vanguards composition of the VLS100 fund?

Yanling

in the last 5 yrs performance based on a £10000 lump sum investment are:

VLS is  £17975,  FTSE All-World UCITS ETF is £18823,  FTSE Emerging Markets UCITS ETF  is 19496,  Global Small-Cap Index Fund is £19412.
So the new funds are all better performance than VLS 100. I do not know what to do

grumiofoundation

Past performance is no guarantee of future performance....

Underperformance of VLS (assume 100 or is not a like for like comparison) is due to UK bias - will this continue to drag on performance or will UK outperform in next few years? 

You seem to be misunderstanding what multiple commenters are saying that having a combination of 
e.g.
VLS 100
All-world ETF
emerging markets ETF
Contains a lot of overlap and does not really diversify your portfolio but simply adjusting the weighting’s of various countries.

Why did you choose VLS range in the first place? What has changed? 

barnstar2077

Yanling said:

in the last 5 yrs performance based on a £10000 lump sum investment are:

VLS is  £17975,  FTSE All-World UCITS ETF is £18823,  FTSE Emerging Markets UCITS ETF  is 19496,  Global Small-Cap Index Fund is £19412.
So the new funds are all better performance than VLS 100. I do not know what to do

So because emerging markets and small caps have done better in the last five years they will continue to do so?

You are comparing a globally diverse multi asset fund against niche funds, which is not a fair comparison.

VLS100 has been held back by it's UK weighting over the last five years.  Will emerging markets do better than the UK over the next few years, who knows?  Will covid affect emerging markets for longer than more developed countries? 

The point I made before still stands, you are chasing returns when you should be taking the least amount of risk necessary to achieve your objective.