Active vs Passive Funds

billy2shots

AsifM068 said:

The eventual plan, after transfer of funds to Vanguard is to have 40% Global All Cap and 30/30% FTSE 250 and Europe Ex UK ETFs. It's a strategy that I am comfortable with👍

With the magic of Trustnet (and some others), you can set up a portfolio with your current holdings. 

You can then create a portfolio of your intended holdings.

In the charting tool you can then select each portfolio and see how they compared over various points in history. 

Don't worry too much about the cash part when creating the portfolio it's more about the % split between your holdings. I use £100k total investment because it's then very easy to put £ values in each holding (20% in Royal London UK would be £20k etc etc). 


Alternatively tell us your % split and the exact funds they are in and some kind soul will chart it for you. 

MK62

jamesd said:

Your plan is viable, but I don't think it's sensible to put all your assets in a place that only allows passives or its own mediocre active funds to be used.

Without really disagreeing with the broader point re: Vanguard, ironically, Trustnet have just highlighted that of all Vanguard's global equity funds, Vanguard Global Equity has been their best performer in that sector ......their actively managed offering.......

Fair enough, it was only launched a little over 5 years ago, so the history is a bit limited, but nevertheless......£100k invested in that 5years ago, would be worth £198k today, while the same invested their top global index fund, Vanguard FTSE Developed World ex-UK Equity Index, lags a little bit with £191.5k......VLS100 lags further, with £169k......

Of course, and as usual, the caveat is that this is no real guide to future returns though.......

AsifM068

billy2shots said:

AsifM068 said:

The eventual plan, after transfer of funds to Vanguard is to have 40% Global All Cap and 30/30% FTSE 250 and Europe Ex UK ETFs. It's a strategy that I am comfortable with👍

With the magic of Trustnet (and some others), you can set up a portfolio with your current holdings. 

You can then create a portfolio of your intended holdings.

In the charting tool you can then select each portfolio and see how they compared over various points in history. 

Don't worry too much about the cash part when creating the portfolio it's more about the % split between your holdings. I use £100k total investment because it's then very easy to put £ values in each holding (20% in Royal London UK would be £20k etc etc). 


Alternatively tell us your % split and the exact funds they are in and some kind soul will chart it for you. 

Much appreciated sir.

I would like to know the relative performance of the following 3 active RL funds, equally weighted, compared to the Vanguard FTSE Global All Cap please for the past 18 months if at all possible please.

RL UK Growth Trust A
RL Sustainable Leaders Trust A
RL European Growth Trust A

Many thanks

Asif

AsifM068

Just looking at some charts and came across these terms; cumulative, discrete and annualized performance. 

What is the difference please and please take it easy as I'm still new to the investing space - thank you team.

Prism

AsifM068 said:

Just looking at some charts and came across these terms; cumulative, discrete and annualized performance. 

What is the difference please and please take it easy as I'm still new to the investing space - thank you team.

Cumulative shows you the total return between two dates - like seeing it on a graph. Discrete shows you returns by the calendar year or month (I mostly ignore this). Annualized shows the average yearly performance over an extended period like 3, 5 or 10 years.

JohnWinder

Arithmetic average, or compound annual growth?

AsifM068

According to the charts, during peak COVID, circa March / April '20, the RL UK Growth Trust A dipped by approx. -35%, compared to Vanguard's GAC index fund which performed 'better' by dipping below just under -25% over that period.

Why am I paying RL an OCF of 1.2% - it makes no sense!!?!!    

ColdIron

Very different offerings. RL fishes in the FTSE All Share pool (UK equities) while the other in 7,000 companies from all over the world with <4% in the UK. If the UK suffers more which fund is going to reflect it more?

Bobziz

AsifM068 said:

According to the charts, during peak COVID, circa March / April '20, the RL UK Growth Trust A dipped by approx. -35%, compared to Vanguard's GAC index fund which performed 'better' by dipping below just under -25% over that period.

Why am I paying RL an OCF of 1.2% - it makes no sense!!?!!    

Because you think that the UK growth trust will do better during the next correction and/or economic cycle ?

AsifM068

Why did the UK fare so poorly relative to the global market at the time?