Investing in Global Trackers and other similar investments

GeoffTF

DoneWorking said:

That sounds interesting

So 45% on the
Developed Countries ESG VG 
5% on the Emerging Markets ESG VG 

Geoff suggested only going with one so as not to confuse matters

Using those two funds is perfectly reasonable. Together they are equivalent to one ESG all world tracker. You do not NEED to add the emerging markets, but I do that myself. It makes things a little more complicated, but not much.

DoneWorking

GeoffTF said:

DoneWorking said:

That sounds interesting

So 45% on the
Developed Countries ESG VG 
5% on the Emerging Markets ESG VG 

Geoff suggested only going with one so as not to confuse matters

Using those two funds is perfectly reasonable. Together they are equivalent to one ESG all world tracker. You do not NEED to add the emerging markets, but I do that myself. It makes things a little more complicated, but not much.

Thanks Geoff

I've started reading up on Vanguard and beginning to understand the bare bones

Need to increase my knowledge more over the coming weeks months and years

I know I've asked this before but here it is one more time

Invest £125 k all in one go on one or both ESG VGs

Or drip feed buying say £2k per month 

How do I buy the VGs in such a way that I can have £20k s worth in an ISA and the rest outside the ISA

GeoffTF

DoneWorking said:

GeoffTF said:

DoneWorking said:

That sounds interesting

So 45% on the
Developed Countries ESG VG 
5% on the Emerging Markets ESG VG 

Geoff suggested only going with one so as not to confuse matters

Using those two funds is perfectly reasonable. Together they are equivalent to one ESG all world tracker. You do not NEED to add the emerging markets, but I do that myself. It makes things a little more complicated, but not much.

Thanks Geoff

I've started reading up on Vanguard and beginning to understand the bare bones

Need to increase my knowledge more over the coming weeks months and years

I know I've asked this before but here it is one more time

Invest £125 k all in one go on one or both ESG VGs

Or drip feed buying say £2k per month 

How do I buy the VGs in such a way that I can have £20k s worth in an ISA and the rest outside the ISA

Assuming that you have another £125K in savings accounts, it is best to buy in one go. If you want to fill your ISA allowance:

(1). Open a general (or it might be called dealing)  account and a stocks and shares ISA.
(2). Pay £105K into the general account, and £20K into the ISA.
(3). Buy the funds.

If you are using Vanguard's own platform, you can credit money and buy units in a fund as one transaction. iWeb will be cheaper though.

DoneWorking

GeoffTF said:

DoneWorking said:

GeoffTF said:

DoneWorking said:

That sounds interesting

So 45% on the
Developed Countries ESG VG 
5% on the Emerging Markets ESG VG 

Geoff suggested only going with one so as not to confuse matters

Using those two funds is perfectly reasonable. Together they are equivalent to one ESG all world tracker. You do not NEED to add the emerging markets, but I do that myself. It makes things a little more complicated, but not much.

Thanks Geoff

I've started reading up on Vanguard and beginning to understand the bare bones

Need to increase my knowledge more over the coming weeks months and years

I know I've asked this before but here it is one more time

Invest £125 k all in one go on one or both ESG VGs

Or drip feed buying say £2k per month 

How do I buy the VGs in such a way that I can have £20k s worth in an ISA and the rest outside the ISA

Assuming that you have another £125K in savings accounts, it is best to buy in one go. If you want to fill your ISA allowance:

(1). Open a general (or it might be called dealing)  account and a stocks and shares ISA.
(2). Pay £105K into the general account, and £20K into the ISA.
(3). Buy the funds.

If you are using Vanguard's own platform, you can credit money and buy units in a fund as one transaction. iWeb will be cheaper though.

Thanks

If I go for the two VGs do I just split into the proposed ratio

What would you recommend

VG or iWeb

VG sounds easier

What's the cost difference approx

GeoffTF

DoneWorking said:

GeoffTF said:

DoneWorking said:

GeoffTF said:

DoneWorking said:

That sounds interesting

So 45% on the
Developed Countries ESG VG 
5% on the Emerging Markets ESG VG 

Geoff suggested only going with one so as not to confuse matters

Using those two funds is perfectly reasonable. Together they are equivalent to one ESG all world tracker. You do not NEED to add the emerging markets, but I do that myself. It makes things a little more complicated, but not much.

Thanks Geoff

I've started reading up on Vanguard and beginning to understand the bare bones

Need to increase my knowledge more over the coming weeks months and years

I know I've asked this before but here it is one more time

Invest £125 k all in one go on one or both ESG VGs

Or drip feed buying say £2k per month 

How do I buy the VGs in such a way that I can have £20k s worth in an ISA and the rest outside the ISA

Assuming that you have another £125K in savings accounts, it is best to buy in one go. If you want to fill your ISA allowance:

(1). Open a general (or it might be called dealing)  account and a stocks and shares ISA.
(2). Pay £105K into the general account, and £20K into the ISA.
(3). Buy the funds.

If you are using Vanguard's own platform, you can credit money and buy units in a fund as one transaction. iWeb will be cheaper though.

Thanks

If I go for the two VGs do I just split into the proposed ratio

What would you recommend

VG or iWeb

VG sounds easier

What's the cost difference approx

About £150 per year after the first year, but more if your investment grows.

Vanguard ESG Developed World All Cap Index Fund is domiciled in Ireland and has a long track record, Vanguard ESG Developed World All Cap Index Fund (UK), which is domiciled in the UK and is relatively new. The Vanguard ESG Emerging Markets All Cap Equity Index Fund is domiciled in Ireland and relatively new. There is no UK domiciled version.

The OEICs domiciled in Ireland should not be not a problem. You should always check that the funds that you want to buy are available on a platform before opening an account. The taxation of Ireland domiciled OEICs is a little more complicated than for UK domiciled funds, but you will need to hire an accountant anyway, given your level of knowledge.

GeoffTF

Your easiest option is to just use Vanguard ESG Developed World All Cap Index Fund (UK), and not worry about the emerging markets. Here are videos on how to use iWeb and Vanguard:

https://www.youtube.com/watch?v=jbL0qDI868w

https://www.youtube.com/watch?v=PCL8L2_ktCM

With iWeb there is a £100 account opening fee, and if you pay in and buy in lumps of about £20K, that is another £55 in the first year. iWeb should be very cheap after that.

DoneWorking

GeoffTF said:

Your easiest option is to just use Vanguard ESG All-World Index Fund (UK), and not worry about the emerging markets. Here are videos on how to use iWeb and Vanguard:

https://www.youtube.com/watch?v=jbL0qDI868w

https://www.youtube.com/watch?v=PCL8L2_ktCM

With iWeb there is a £100 account opening fee, and if you pay in and buy in lumps of about £20K, that is another £55 in the first year. iWeb should be very cheap after that.

Thanks Geoff

That fund is quite new and has no track record

Does that matter

Is it just an update for the ESG Vanguard for Developed Countries

GeoffTF

DoneWorking said:

GeoffTF said:

Your easiest option is to just use VVanguard ESG Developed World All Cap Index Fund (UK), and not worry about the emerging markets. Here are videos on how to use iWeb and Vanguard:

https://www.youtube.com/watch?v=jbL0qDI868w

https://www.youtube.com/watch?v=PCL8L2_ktCM

With iWeb there is a £100 account opening fee, and if you pay in and buy in lumps of about £20K, that is another £55 in the first year. iWeb should be very cheap after that.

Thanks Geoff

That fund is quite new and has no track record

Does that matter

Is it just an update for the ESG Vanguard for Developed Countries

I have fixed some typos. The suggested fund is Vanguard ESG Developed World All Cap Index Fund (UK). It has been around for a year and has a market cap of £1.0 billion. Vanguard is not going to scrap it. iWeb lists that fund.

DoneWorking

GeoffTF said:

DoneWorking said:

GeoffTF said:

Your easiest option is to just use VVanguard ESG Developed World All Cap Index Fund (UK), and not worry about the emerging markets. Here are videos on how to use iWeb and Vanguard:

https://www.youtube.com/watch?v=jbL0qDI868w

https://www.youtube.com/watch?v=PCL8L2_ktCM

With iWeb there is a £100 account opening fee, and if you pay in and buy in lumps of about £20K, that is another £55 in the first year. iWeb should be very cheap after that.

Thanks Geoff

That fund is quite new and has no track record

Does that matter

Is it just an update for the ESG Vanguard for Developed Countries

I have fixed some typos. The suggested fund is Vanguard ESG Developed World All Cap Index Fund (UK). It has been around for a year and has a market cap of £1.0 billion. Vanguard is not going to scrap it. iWeb lists that fund.

Is it this one
Developed World ESG based Vanguard Fund

https://www.vanguardinvestor.co.uk/investments/vanguard-esg-developed-world-all-cap-equity-index-fund-gbp-acc/overview

It's been running since 2011

GeoffTF

DoneWorking said:

GeoffTF said:

DoneWorking said:

GeoffTF said:

Your easiest option is to just use VVanguard ESG Developed World All Cap Index Fund (UK), and not worry about the emerging markets. Here are videos on how to use iWeb and Vanguard:

https://www.youtube.com/watch?v=jbL0qDI868w

https://www.youtube.com/watch?v=PCL8L2_ktCM

With iWeb there is a £100 account opening fee, and if you pay in and buy in lumps of about £20K, that is another £55 in the first year. iWeb should be very cheap after that.

Thanks Geoff

That fund is quite new and has no track record

Does that matter

Is it just an update for the ESG Vanguard for Developed Countries

I have fixed some typos. The suggested fund is Vanguard ESG Developed World All Cap Index Fund (UK). It has been around for a year and has a market cap of £1.0 billion. Vanguard is not going to scrap it. iWeb lists that fund.

Is it this one
Developed World ESG based Vanguard Fund

https://www.vanguardinvestor.co.uk/investments/vanguard-esg-developed-world-all-cap-equity-index-fund-gbp-acc/overview

It's been running since 2011

That is the Ireland domiciled version. I am getting confused too. That is the one with £1.0 billion assets. This is the UK domiciled version:

https://www.vanguardinvestor.co.uk/investments/vanguard-esg-developed-world-all-cap-equity-index-fund-uk-gbp-acc/overview

Much smaller market cap. I expect that iWeb has both, but I have only checked the UK version, which is the one that does not readily come up in Google. You can go with either. Slightly more complicated tax for the Irish version, but the Irish version is longer established and bigger. I have held an Ireland domiciled OEIC with iWeb with no problems.