Broad index tracking portfolio of world equities

Type_45

redpete said:

Type_45 said:

stephenadarglas said:

Type_45 said:

aroominyork said:

Type_45 said:

 But VLS wasn't quite a good over the last 5 years as the other two, with HSBC a clear winner. 

That's because VLS is overweight to the UK which over the last 5+ years has performed worst of the six main regions (UK, Europe, US, Japan, EM, AP). You will find people on this forum talking about recently upping their UK allocation. Who knows what the future holds.

What we know of the UK's future, at least until 2029 and almost certainly longer, is that it will have this Conservative government in charge.  A government which has crashed the economy with lockdowns and will continue to do so. This will hollow out British businesses and increase the advantages and profits of multinational organisations such as Amazon etc.

Absolute nonsense and scaremongering.

Every word of it is true. 

I suggest any prediction ("This will hollow out British businesses...") cannot be described as 'true'.

It's already true.

Thrugelmir

Type_45 said:

redpete said:

Type_45 said:

stephenadarglas said:

Type_45 said:

aroominyork said:

Type_45 said:

 But VLS wasn't quite a good over the last 5 years as the other two, with HSBC a clear winner. 

That's because VLS is overweight to the UK which over the last 5+ years has performed worst of the six main regions (UK, Europe, US, Japan, EM, AP). You will find people on this forum talking about recently upping their UK allocation. Who knows what the future holds.

What we know of the UK's future, at least until 2029 and almost certainly longer, is that it will have this Conservative government in charge.  A government which has crashed the economy with lockdowns and will continue to do so. This will hollow out British businesses and increase the advantages and profits of multinational organisations such as Amazon etc.

Absolute nonsense and scaremongering.

Every word of it is true. 

I suggest any prediction ("This will hollow out British businesses...") cannot be described as 'true'.

It's already true.

I've never had a problem finding great UK companies to invest in. 

Type_45

Thrugelmir said:

Type_45 said:

redpete said:

Type_45 said:

stephenadarglas said:

Type_45 said:

aroominyork said:

Type_45 said:

 But VLS wasn't quite a good over the last 5 years as the other two, with HSBC a clear winner. 

That's because VLS is overweight to the UK which over the last 5+ years has performed worst of the six main regions (UK, Europe, US, Japan, EM, AP). You will find people on this forum talking about recently upping their UK allocation. Who knows what the future holds.

What we know of the UK's future, at least until 2029 and almost certainly longer, is that it will have this Conservative government in charge.  A government which has crashed the economy with lockdowns and will continue to do so. This will hollow out British businesses and increase the advantages and profits of multinational organisations such as Amazon etc.

Absolute nonsense and scaremongering.

Every word of it is true. 

I suggest any prediction ("This will hollow out British businesses...") cannot be described as 'true'.

It's already true.

I've never had a problem finding great UK companies to invest in. 

What's your local high street looking like? 

kimwp

Could an admin close this thread please, I don't think the comments being added are adding much!

Thrugelmir

Type_45 said:

Thrugelmir said:

Type_45 said:

redpete said:

Type_45 said:

stephenadarglas said:

Type_45 said:

aroominyork said:

Type_45 said:

 But VLS wasn't quite a good over the last 5 years as the other two, with HSBC a clear winner. 

That's because VLS is overweight to the UK which over the last 5+ years has performed worst of the six main regions (UK, Europe, US, Japan, EM, AP). You will find people on this forum talking about recently upping their UK allocation. Who knows what the future holds.

What we know of the UK's future, at least until 2029 and almost certainly longer, is that it will have this Conservative government in charge.  A government which has crashed the economy with lockdowns and will continue to do so. This will hollow out British businesses and increase the advantages and profits of multinational organisations such as Amazon etc.

Absolute nonsense and scaremongering.

Every word of it is true. 

I suggest any prediction ("This will hollow out British businesses...") cannot be described as 'true'.

It's already true.

I've never had a problem finding great UK companies to invest in. 

What's your local high street looking like? 

Perfectly adequate selection of shops. Fewer chains is no great loss. Only the British have an obsession with shopping. 

aroominyork

kimwp said:

aroominyork said:

Type_45 said:

 But VLS wasn't quite a good over the last 5 years as the other two, with HSBC a clear winner. 

That's because VLS is overweight to the UK which over the last 5+ years has performed worst of the six main regions (UK, Europe, US, Japan, EM, AP). You will find people on this forum talking about recently upping their UK allocation. Who knows what the future holds.

What does it mean to up their allocation please? If the UK does badly, would it not be better to have less of it? (Temporarily ignoring not trying to time the market)

If the UK does badly it would indeed be better to have less of it. However a region which does badly on one cycle may do well in the next cycle so, given the UK's poor performance over recent years, some people are more bullish about its prospects for the coming years.

kimwp

aroominyork said:

kimwp said:

aroominyork said:

Type_45 said:

 But VLS wasn't quite a good over the last 5 years as the other two, with HSBC a clear winner. 

That's because VLS is overweight to the UK which over the last 5+ years has performed worst of the six main regions (UK, Europe, US, Japan, EM, AP). You will find people on this forum talking about recently upping their UK allocation. Who knows what the future holds.

What does it mean to up their allocation please? If the UK does badly, would it not be better to have less of it? (Temporarily ignoring not trying to time the market)

If the UK does badly it would indeed be better to have less of it. However a region which does badly on one cycle may do well in the next cycle so, given the UK's poor performance over recent years, some people are more bullish about its prospects for the coming years.

Oh, I see, thank you! 

kimwp

Any views on the OneFamily LISA options? The annual charge is appealing at 0.11% with (apparently) no other fees, but it's not as diversified as the HSBC All-World (with AJ Bell)

MX5huggy

kimwp said:

Any views on the OneFamily LISA options? The annual charge is appealing at 0.11% with (apparently) no other fees, but it's not as diversified as the HSBC All-World (with AJ Bell)

0.11 is just the transaction costs there’s also 1.06% management cost - starting to look expensive. It’s a friendly society running it they are slightly strange organisations. I haven’t quickly be able to see what they invest in except “green” companies, I’d like to see the top 10 holdings at least, and how many companies they include.

If ethical investment is your thing do some more research. Vanguard ESG is one option but that’s more removing bad stuff than choosing good stuff. But that holds without checking 4000 world stock I think.

kimwp

MX5huggy said:

kimwp said:

Any views on the OneFamily LISA options? The annual charge is appealing at 0.11% with (apparently) no other fees, but it's not as diversified as the HSBC All-World (with AJ Bell)

0.11 is just the transaction costs there’s also 1.06% management cost - starting to look expensive. It’s a friendly society running it they are slightly strange organisations. I haven’t quickly be able to see what they invest in except “green” companies, I’d like to see the top 10 holdings at least, and how many companies they include.

If ethical investment is your thing do some more research. Vanguard ESG is one option but that’s more removing bad stuff than choosing good stuff. But that holds without checking 4000 world stock I think.

Thanks @MX5huggy I got it wrong anyway - it's 1.1% annual fee , not 0.11%, oops! At this point I'm just trying to understand the basics and target a global diverse fund at the lowest cost as it's a relatively simple aim to learn with and I'll be looking to go more ethical once I'm a bit more comfortable with the terminology and all the information available.

The help on this thread has been great, thank you everyone. I'm going to go with the HSBC all-world as suggested through AJ bell, (though I'll keep an eye out for switching to the investments that attract the capped fees once I reach that threshold!)