2 vanguard plan, which is better?

what7

I still have £10, 000 ss IsA allowance. I want to invest in vanguard product. Not a big fan of VLS 100 as it is too UK focused. Want to build my own. 

Plan A 
85% developed world ex UK 
5% UK all share
10% emerging market etf
Ocf 0.144%

Plan B
90% Developed world
10% emerging market etf
Ocf 0.13%

I guess both are very similar, just wonder if one is standout than the other. Happy to listen to other recommendations. 

Also - why is VLS 100 picking stock index fund over etf???? 
The etf is 0.01% cheaper on emerging market, Asia, Japan. 
What make index fund better than etf?  The only thing I know is accumulation 

Thrugelmir

Vanguard VLS as such isn't a single index fund. The managers weight various indexes to achieve a certain of volatility dampening.  The weighting between indexes can be flexed as events dictate. With an ETF you are well and truly on your own. Services provided have to be paid for. 

eskbanker

Have you considered https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-global-all-cap-index-fund-gbp-acc/portfolio-data, tracking the Global All Cap index, or to put it another way, what would be your rationale for favouring a split other than cap weighting when your weightings are already close to this?

what7

I did consider the global all cap but the Ocf is 0.23%.

sheslookinhot

Any one have any thought on the suitability of the Vanguard Global Equity Fund for inclusion in my SIPP, alongside VLS 60 ? 

virenque

I think it's a fine fund, especially if you want an active element to your portfolio. I like the barbell approach of it too.

Thrugelmir

sheslookinhot said:

Any one have any thought on the suitability of the Vanguard Global Equity Fund for inclusion in my SIPP, alongside VLS 60 ? 

What's the rationale? Other than the one year performance figures. 

sheslookinhot

Thrugelmir said:

sheslookinhot said:

Any one have any thought on the suitability of the Vanguard Global Equity Fund for inclusion in my SIPP, alongside VLS 60 ? 

What's the rationale? Other than the one year performance figures. 

The rationale being to have some global equities in a SIPP with the VLS 60, which is mainly uk based.

eskbanker

sheslookinhot said:

Thrugelmir said:

sheslookinhot said:

Any one have any thought on the suitability of the Vanguard Global Equity Fund for inclusion in my SIPP, alongside VLS 60 ? 

What's the rationale? Other than the one year performance figures. 

The rationale being to have some global equities in a SIPP with the VLS 60, which is mainly uk based.

VLS 60 is not 'mainly UK based'!  The VLS range have a higher proportion of UK-listed equities than most of their peers but it's still very much a minority....

Linton

what7 said:

I did consider the global all cap but the Ocf is 0.23%.

The charge is one of the least important factors when choosing a fund especially at the 0.1% level of difference where it represents £10 in a year of your £10K investment.  Far more important is to choose the fund that invests  appropriately for your needs.  The performance difference between the funds you are considering could easily be 10 times the charge you quote.  The 0.01% difference you noticed in the ETF version of a fund is totally immaterial.

The published charge values represent the actual costs in the previous time period, they aren't a prediction for the future.  They can and will vary over time.

dunstonh

The rationale being to have some global equities in a SIPP with the VLS 60, which is mainly uk based.

If VLS60 doesnt fit your objectives (and its not mainly UK based BTW) then dont invest in it.  Invest in a multi-asset fund that meets your investment objectives.  There are plenty of options available that do not begin with the letter V.