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Dumping IFA portfolio to go DIY
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thunderroad88 said:JG1A said:There is a Vanguard fund called FTSE Global All Cap Index Fund and it includes global small caps. Its charges are 0.23 ocf and Trans. costs about 0.04. Performance since Nov 2016 (inception date) is up over 100% similar performance to your IFA portfolio.0
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thunderroad88 said:JG1A said:There is a Vanguard fund called FTSE Global All Cap Index Fund and it includes global small caps. Its charges are 0.23 ocf and Trans. costs about 0.04. Performance since Nov 2016 (inception date) is up over 100% similar performance to your IFA portfolio.
Thanks everyone, I think I’m starting to go round in circles here….and the more I read here and on various forums and sites like monevator the more fund suggestions I end up looking at and my notes get longer. Back to basics…my original objective was to replace my high cost ifa managed pf with a low cost simplified diy pf which could offer similar returns at a similar, but not higher, level of risk. I’m not knowledgable enough about global markets and economics, nor do I have the inclination, to take on responsibility for managing allocations across a number of funds. Therefore I’m concluding that 100% in an all world tracker fund, either HSBC All World or Vanguard Global All Cap, or possibly 90% in one of those plus 10% in L&G Global100 might work best for me.2 -
boingy said:thunderroad88 said:JG1A said:There is a Vanguard fund called FTSE Global All Cap Index Fund and it includes global small caps. Its charges are 0.23 ocf and Trans. costs about 0.04. Performance since Nov 2016 (inception date) is up over 100% similar performance to your IFA portfolio.
Thanks everyone, I think I’m starting to go round in circles here….and the more I read here and on various forums and sites like monevator the more fund suggestions I end up looking at and my notes get longer. Back to basics…my original objective was to replace my high cost ifa managed pf with a low cost simplified diy pf which could offer similar returns at a similar, but not higher, level of risk. I’m not knowledgable enough about global markets and economics, nor do I have the inclination, to take on responsibility for managing allocations across a number of funds. Therefore I’m concluding that 100% in an all world tracker fund, either HSBC All World or Vanguard Global All Cap, or possibly 90% in one of those plus 10% in L&G Global100 might work best for me.0 -
Hoenir said:thunderroad88 said:JG1A said:There is a Vanguard fund called FTSE Global All Cap Index Fund and it includes global small caps. Its charges are 0.23 ocf and Trans. costs about 0.04. Performance since Nov 2016 (inception date) is up over 100% similar performance to your IFA portfolio.0
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When you find this PF. Let us all know. As you'll discover when everybody adopts the same idea. Any tangible benefit eventually disappears. As the momentum drives future returns downwards. The smart money has already moved on.
Sure .. "past performance is no guarantee.." but that cuts both ways, the IFA portfolio could tank next year.0 -
We've already seen that a couple of off the shelf retail funds did in fact return at least the same as the IFA crafted portfolio over the period chosen to illustrate the failings of the Vanguard LS series.The period was set to the start of data. Which, in this case, was the launch date of the youngest fund. The VLS funds were used in direct response to a poster that suggested the op use VLS60 or VLS80. Not to highlight failings in VLS but to highlight failings by the poster recommending them to the OP.Sure .. "past performance is no guarantee.." but that cuts both ways, the IFA portfolio could tank next year.Given it it mostly tracker with a tilt, if it does, then the alternatives would as well.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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aroominyork said:Hoenir said:thunderroad88 said:JG1A said:There is a Vanguard fund called FTSE Global All Cap Index Fund and it includes global small caps. Its charges are 0.23 ocf and Trans. costs about 0.04. Performance since Nov 2016 (inception date) is up over 100% similar performance to your IFA portfolio.
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Qyburn said:When you find this PF. Let us all know. As you'll discover when everybody adopts the same idea. Any tangible benefit eventually disappears. As the momentum drives future returns downwards. The smart money has already moved on.
Sure .. "past performance is no guarantee.." but that cuts both ways, the IFA portfolio could tank next year.
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Hoenir said:aroominyork said:Hoenir said:thunderroad88 said:JG1A said:There is a Vanguard fund called FTSE Global All Cap Index Fund and it includes global small caps. Its charges are 0.23 ocf and Trans. costs about 0.04. Performance since Nov 2016 (inception date) is up over 100% similar performance to your IFA portfolio.
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aroominyork said:Hoenir said:aroominyork said:Hoenir said:thunderroad88 said:JG1A said:There is a Vanguard fund called FTSE Global All Cap Index Fund and it includes global small caps. Its charges are 0.23 ocf and Trans. costs about 0.04. Performance since Nov 2016 (inception date) is up over 100% similar performance to your IFA portfolio.
By global index fund I assume you are referring to a multi asset fund. Well yes. That has a portfolio within it.
This is simply derailing the OP's thread now and the approach being investigated. Totally off tangent. Let's just park it here.
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