Which other fund

london21
london21 Posts: 2,089
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edited 28 January at 7:53PM in Savings & investments
Hi All, 

I have about £56k in Vanguard ftse global all cap index.

I have a 1 year barclays cash ISA which matured yesterday which i am having transfered to my IWeb account. It is about £11.6k

Is it better to keep this 1 fund or look for another. It is up 9.4% currently.

I will be adding 20k in April. 

Thanks. 
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  • ColdIron
    ColdIron Posts: 8,653
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    The All Cap is a well diversified index. Adding another all cap tracker would achieve nothing. Adding a similar global tracker with almost complete duplication wouldn't achieve much either
    Are you comfortable with the volatility of 100% equities? Do you plan to keep it for a decade or more?
  • El_Torro
    El_Torro Posts: 1,424
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    I agree that you're already as diversified as you need to be.

    One option would be to add some to say Vanguard Global Small-Cap Index. This will give you exposure to smaller companies than the fund you already have. The Small-Cap fund has performed worse over the last 5 years than the All-Cap. Whether that is also true in the next 5 years remains to be seen. 

    I have a Small Cap fund myself, though it is managed, not indexed. The advice used to be when going Small Cap to go with a managed fund (I'm not sure if this advice is up to date) rather than a tracker. I assume you are using the Vanguard platform though so a managed fund is not an option for you in that platform.
  • eskbanker
    eskbanker Posts: 29,834
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    El_Torro said:
    I assume you are using the Vanguard platform though so a managed fund is not an option for you in that platform.
    OP is using IWeb, which does beg the question of why they're looking specifically for another Vanguard fund:
    london21 said:
    I have a 1 year barclays cash ISA which matured yesterday which i am having transfered to my IWeb account. 
  • ColdIron
    ColdIron Posts: 8,653
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    The OP's fund tracks the All Cap index which already has exposure to mid and small caps
  • london21
    london21 Posts: 2,089
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    ColdIron said:
    The All Cap is a well diversified index. Adding another all cap tracker would achieve nothing. Adding a similar global tracker with almost complete duplication wouldn't achieve much either
    Are you comfortable with the volatility of 100% equities? Do you plan to keep it for a decade or more?
    I do plan to keep for a long time no immediate need currently. I am in my 30s currently single but do plan to have a family in the future so hard to predict fully. In the future will be be having extension works done etc.

    I have stopped investing in shares lost a lot of money in 2016 put money in rubbish shares without much research etc was more like a gamble now valued pennies. 

    I have 7,705 units of Marks and Spencer shares from sharesave scheme. Although not really at a loss think was purchased at £2.09 or so went high to £5+ but just left them they are now 2.56 but at some point went below £1.

    For now will stick to funds because i tend to put so much in 1 company, really affected me 2016/2017.

    Now with funds won't get high increase quickly or high decrease more peace of mind

  • london21
    london21 Posts: 2,089
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    eskbanker said:
    El_Torro said:
    I assume you are using the Vanguard platform though so a managed fund is not an option for you in that platform.
    OP is using IWeb, which does beg the question of why they're looking specifically for another Vanguard fund:
    london21 said:
    I have a 1 year barclays cash ISA which matured yesterday which i am having transfered to my IWeb account. 
    Thanks good point doesn't have to be Vanguard. 

    As far as the fees are low. 
  • london21
    london21 Posts: 2,089
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    ColdIron said:
    The OP's fund tracks the All Cap index which already has exposure to mid and small caps
    Thanks maybe will just invest in the same fund. 
  • ColdIron
    ColdIron Posts: 8,653
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    london21 said:
    ColdIron said:
    The All Cap is a well diversified index. Adding another all cap tracker would achieve nothing. Adding a similar global tracker with almost complete duplication wouldn't achieve much either
    Are you comfortable with the volatility of 100% equities? Do you plan to keep it for a decade or more?
    I do plan to keep for a long time no immediate need currently. I am in my 30s currently single but do plan to have a family in the future so hard to predict fully. In the future will be be having extension works done etc.
    In your 30s is good, it means time is on your side. However having extension works done sounds like a much shorter term need. With 100% equities I would prepare myself to delay any building work, perhaps for several years, should the need arise
  • eskbanker
    eskbanker Posts: 29,834
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    london21 said:
    eskbanker said:
    El_Torro said:
    I assume you are using the Vanguard platform though so a managed fund is not an option for you in that platform.
    OP is using IWeb, which does beg the question of why they're looking specifically for another Vanguard fund:
    london21 said:
    I have a 1 year barclays cash ISA which matured yesterday which i am having transfered to my IWeb account. 
    Thanks good point doesn't have to be Vanguard. 

    As far as the fees are low. 
    Fees should be fairly well down the list of evaluation criteria for funds, so it'll be more important to select something contributing to strategy, objectives, etc, while also meeting allocation preferences and so on.
  • london21
    london21 Posts: 2,089
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    My ISA cash transfer completed today. Is it better to stick with the FTSE global all cap index or move the new money into UBS S&P 500 index acc, slightly higher risk a 6. 

    I have the current funds in Vanguard FTSE global all cap index

    Is it worth moving to HSBC FTSE all world index due to slightly cheaper fees. 
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