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Best Option for Cash Lump Sum
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Thanks for the replies, youve given me much food for though there! The Motley fool site looks to be a very good learning resource for a beginner too GeoffTF! A global tracker from other platforms dunstonh? From Vanguard i'm looking at VEVE and FTSE World ex-UK as 2 of the cheapest global funds but i dont want to necessarily exclude the UK. (just found out what the ex in ex.UK actually means!)
Theres always potential to put some more cash in a general fund, as well as S&S isas, in the next 12 months too to potntially move them into an isa later! IS that the bed and isa? Thanks!0 -
VLS 100 is a reasonable choice. Nonetheless, VEVE plus a market weight of VFEM (about 10%: the precise value will be the Emerging Markets allocation for VWRL) is cheaper. There is an HSBC All-World OEIC at the same price, but it may not be as good. You would have to study the small print. ETFs are often cheaper to hold than OEICs
https://monevator.com/compare-uk-cheapest-online-brokers/
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I'm now considering Vanguard's Developed world ex-UK equity fund.0
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Collyflower1 said:I'm now considering Vanguard's Developed world ex-UK equity fund.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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dunstonh said:Collyflower1 said:I'm now considering Vanguard's Developed world ex-UK equity fund.0
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11% VFEM emerging markets fund + 89% Developed world ex-Uk. would give overall charge of 0.15% but i'd then need to keep an eye on it and rebalance it. Its all if, buts and maybes though!0
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Collyflower1 said:dunstonh said:Collyflower1 said:I'm now considering Vanguard's Developed world ex-UK equity fund.
But the myths about the US being "higher growth" than other marksrs are just that, myths (stock buybacks, secular upwards rerating since the 80s secular growth of corporate America vs the rest of US GDP since the 80s also, no long-term evidence).
That is one specific risk, albeit a significant one, about one specific market, albeit half of the global market cap. There are plenty others.
I'm not aware of anything on Vanguard's website or the fund's KIID, prospectus or annual reports about it being intended to be held as part of a portfolio rather than sufficing as a standalone, although I clearly agree with no exposure to the home market, developing markets or bonds it isn't really suitable as a standalone.
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Collyflower1 said:11% VFEM emerging markets fund + 89% Developed world ex-Uk. would give overall charge of 0.15% but i'd then need to keep an eye on it and rebalance it. Its all if, buts and maybes though!0
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Thrugelmir said:Collyflower1 said:11% VFEM emerging markets fund + 89% Developed world ex-Uk. would give overall charge of 0.15% but i'd then need to keep an eye on it and rebalance it. Its all if, buts and maybes though!0
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Collyflower1 said:11% VFEM emerging markets fund + 89% Developed world ex-Uk. would give overall charge of 0.15% but i'd then need to keep an eye on it and rebalance it. Its all if, buts and maybes though!0
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