Investing in Global Trackers and other similar investments

older_and_no_wiser

Notepad_Phil said:

And did that 0.65% include platform and fund charges too as per DoneWorking's IFA?

I don't use an IFA myself, but DoneWorking's 1.2% all-in charge didn't sound too bad.

Yeah, good point. Probably not! 

DoneWorking

older_and_no_wiser said:

Notepad_Phil said:

And did that 0.65% include platform and fund charges too as per DoneWorking's IFA?

I don't use an IFA myself, but DoneWorking's 1.2% all-in charge didn't sound too bad.

Yeah, good point. Probably not! 

I thought the IFAs fees were ok

DoneWorking

GeoffTF said:

DoneWorking said:

Umiamz said:

Apologies if this has already been discussed but there is a Vanguard ETF - ESG Global All Cap UCITS ETF (V3AM inc, V3AB acc).

This can be held with no platform fee with Freetrade or InvestEngine. Would this be a suitable alternative to the combination of the two funds held above?

Ah - I see that it has been mentioned earlier in the thread. I've been looking for a suitable bond ETF to go along with this but not sure what is "best" in the current environment.

That fund is only a year old and has no long term track record on performance

A long track record on performance is not at all relevant, as others have said. The possible issue is that V3AM is brand new and has total assets of $91.3 Million, i.e. virtually nothing. These ESG funds do not appear to be at all popular. Vanguard liquidated its factor funds when it found that there was little interest. That could happen with the new ESG funds. The OP does not want to be landed with a CGT bill as a result of a forced liquidation. The Ireland domiciled developed world fund has been around for over ten years and has assets of £1 billion. Vanguard is most unlikely to liquidate that one.

Hi 
I'm currently looking over this fund

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

It's UK based

Thoughts on using this for an investment of £150k

Is it best to go with full sum all in one go

Or drip feed

Can I make use of my £20k ISA allowance using the same fund

If so how

Linton

DoneWorking said:

GeoffTF said:

DoneWorking said:

Umiamz said:

Apologies if this has already been discussed but there is a Vanguard ETF - ESG Global All Cap UCITS ETF (V3AM inc, V3AB acc).

This can be held with no platform fee with Freetrade or InvestEngine. Would this be a suitable alternative to the combination of the two funds held above?

Ah - I see that it has been mentioned earlier in the thread. I've been looking for a suitable bond ETF to go along with this but not sure what is "best" in the current environment.

That fund is only a year old and has no long term track record on performance

A long track record on performance is not at all relevant, as others have said. The possible issue is that V3AM is brand new and has total assets of $91.3 Million, i.e. virtually nothing. These ESG funds do not appear to be at all popular. Vanguard liquidated its factor funds when it found that there was little interest. That could happen with the new ESG funds. The OP does not want to be landed with a CGT bill as a result of a forced liquidation. The Ireland domiciled developed world fund has been around for over ten years and has assets of £1 billion. Vanguard is most unlikely to liquidate that one.

Hi 
I'm currently looking over this fund

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

It's UK based

Thoughts on using this for an investment of £150k

Is it best to go with full sum all in one go

Or drip feed

Can I make use of my £20k ISA allowance using the same fund

If so how

In ny view it's the type of single fund in which one could reasonably invest a significant amount of money.  It may be UK based (as are most oeics/uts available to UK investors) but has only 3.6% UK investments with 68% allocated to the US.

However those %s indicate why I personally would not use it.  Diversification is vital.  68% US is too high in my view. 16% of the fund is invested in Apple, Microsoft, Amazon, Tesla and Google - again too much concentration.  55% in just 3 sectors: technology, finance, and healthcare - same again.

On the same lines, another aspect to consider.  Do you want all your money in equity?  If so you should be thinking of timescale of say >15 years and be prepared for significant volatility in the meantime.

Regarding drip feeding or not: On average you will gain most if you invest all your money as soon as you get it.  The reason being that investments generally increase in value over time (otherwise why buy them?) , so the longer you remain invested the larger the gain.

You can buy the Vanguard fund and most others in an S&S ISA.  SImply set up an S&S ISA, pay in £20K/year and use the online interface to buy the fund.

DoneWorking

Linton said:

DoneWorking said:

GeoffTF said:

DoneWorking said:

Umiamz said:

Apologies if this has already been discussed but there is a Vanguard ETF - ESG Global All Cap UCITS ETF (V3AM inc, V3AB acc).

This can be held with no platform fee with Freetrade or InvestEngine. Would this be a suitable alternative to the combination of the two funds held above?

Ah - I see that it has been mentioned earlier in the thread. I've been looking for a suitable bond ETF to go along with this but not sure what is "best" in the current environment.

That fund is only a year old and has no long term track record on performance

A long track record on performance is not at all relevant, as others have said. The possible issue is that V3AM is brand new and has total assets of $91.3 Million, i.e. virtually nothing. These ESG funds do not appear to be at all popular. Vanguard liquidated its factor funds when it found that there was little interest. That could happen with the new ESG funds. The OP does not want to be landed with a CGT bill as a result of a forced liquidation. The Ireland domiciled developed world fund has been around for over ten years and has assets of £1 billion. Vanguard is most unlikely to liquidate that one.

Hi 
I'm currently looking over this fund

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

It's UK based

Thoughts on using this for an investment of £150k

Is it best to go with full sum all in one go

Or drip feed

Can I make use of my £20k ISA allowance using the same fund

If so how

In ny view it's the type of single fund in which one could reasonably invest a significant amount of money.  It may be UK based (as are most oeics/uts available to UK investors) but has only 3.6% UK investments with 68% allocated to the US.

However those %s indicate why I personally would not use it.  Diversification is vital.  68% US is too high in my view. 16% of the fund is invested in Apple, Microsoft, Amazon, Tesla and Google - again too much concentration.  55% in just 3 sectors: technology, finance, and healthcare - same again.

On the same lines, another aspect to consider.  Do you want all your money in equity?  If so you should be thinking of timescale of say >15 years and be prepared for significant volatility in the meantime.

Regarding drip feeding or not: On average you will gain most if you invest all your money as soon as you get it.  The reason being that investments generally increase in value over time (otherwise why buy them?) , so the longer you remain invested the larger the gain.

You can buy the Vanguard fund and most others in an S&S ISA.  SImply set up an S&S ISA, pay in £20K/year and use the online interface to buy the fund.

Thanks Linton

How much should I be concerned at the amount of US bias and the general diversification

Do you know of any similar ESG fund with better diversification 

Would this one be better

ESG Emerging Markets All Cap Equity Index Fund

The sum I propose to invest is 50 % of my total funds

I will be placing the other 50% in cash savings accounts

coyrls

DoneWorking said:

Linton said:

DoneWorking said:

GeoffTF said:

DoneWorking said:

Umiamz said:

Apologies if this has already been discussed but there is a Vanguard ETF - ESG Global All Cap UCITS ETF (V3AM inc, V3AB acc).

This can be held with no platform fee with Freetrade or InvestEngine. Would this be a suitable alternative to the combination of the two funds held above?

Ah - I see that it has been mentioned earlier in the thread. I've been looking for a suitable bond ETF to go along with this but not sure what is "best" in the current environment.

That fund is only a year old and has no long term track record on performance

A long track record on performance is not at all relevant, as others have said. The possible issue is that V3AM is brand new and has total assets of $91.3 Million, i.e. virtually nothing. These ESG funds do not appear to be at all popular. Vanguard liquidated its factor funds when it found that there was little interest. That could happen with the new ESG funds. The OP does not want to be landed with a CGT bill as a result of a forced liquidation. The Ireland domiciled developed world fund has been around for over ten years and has assets of £1 billion. Vanguard is most unlikely to liquidate that one.

Hi 
I'm currently looking over this fund

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

It's UK based

Thoughts on using this for an investment of £150k

Is it best to go with full sum all in one go

Or drip feed

Can I make use of my £20k ISA allowance using the same fund

If so how

In ny view it's the type of single fund in which one could reasonably invest a significant amount of money.  It may be UK based (as are most oeics/uts available to UK investors) but has only 3.6% UK investments with 68% allocated to the US.

However those %s indicate why I personally would not use it.  Diversification is vital.  68% US is too high in my view. 16% of the fund is invested in Apple, Microsoft, Amazon, Tesla and Google - again too much concentration.  55% in just 3 sectors: technology, finance, and healthcare - same again.

On the same lines, another aspect to consider.  Do you want all your money in equity?  If so you should be thinking of timescale of say >15 years and be prepared for significant volatility in the meantime.

Regarding drip feeding or not: On average you will gain most if you invest all your money as soon as you get it.  The reason being that investments generally increase in value over time (otherwise why buy them?) , so the longer you remain invested the larger the gain.

You can buy the Vanguard fund and most others in an S&S ISA.  SImply set up an S&S ISA, pay in £20K/year and use the online interface to buy the fund.

Thanks Linton

How much should I be concerned at the amount of US bias and the general diversification

Do you know of any similar ESG fund with better diversification 

Would this one be better

ESG Emerging Markets All Cap Equity Index Fund

The sum I propose to invest is 50 % of my total funds

I will be placing the other 50% in cash savings accounts

No, it would be less diversified, as it is Emerging Markets only, the clue is in the name.