What's your portfolio?

ChilliBob

Indeed, that 33k pot for me would be all in Fidelity World P of that bunch, by miles. I'd guess you're paying some fees on top of that to the IFA. 

aroominyork

ChilliBob said:

Indeed, that 33k pot for me would be all in Fidelity World P of that bunch, by miles. I'd guess you're paying some fees on top of that to the IFA. 

Sure, nothing wrong with that. But presumably Niv wants some emerging market equities, overweight UK and some bonds.

ChilliBob

aroominyork said:

ChilliBob said:

Indeed, that 33k pot for me would be all in Fidelity World P of that bunch, by miles. I'd guess you're paying some fees on top of that to the IFA. 

Sure, nothing wrong with that. But presumably Niv wants some emerging market equities, overweight UK and some bonds.

Pwrhaps, yes, although I suspect perhaps not!

Even if so, it could be achieved d cheaper and cleaner. If desired. 

aroominyork

ChilliBob said:

aroominyork said:

ChilliBob said:

Indeed, that 33k pot for me would be all in Fidelity World P of that bunch, by miles. I'd guess you're paying some fees on top of that to the IFA. 

Sure, nothing wrong with that. But presumably Niv wants some emerging market equities, overweight UK and some bonds.

Pwrhaps, yes, although I suspect perhaps not!

Even if so, it could be achieved d cheaper and cleaner. If desired. 

Yes, you can do it cheaper. Instead of VLS100 I would use a global fund and a UK fund, but including bonds would mean three funds and rebalancing. The extra cost of VLS80 can be justified.

Niv

I want to keep is easy to manage - I don't want to have to do rebalancing - I have a relatively high risk tolerance for these funds so 80 - 100% S&S is fine by me as VLS80 or 100 is balanced 'for me' . I accept I can probably make more if I do more tinkering such as a VLS100 and then separately manging bonds but I don't really feel I have the knowledge for that and I  am liable to forget about them and not rebalance. Hence I went with a IFA that did the rebalancing for me but agree with others that 9 funds for ~30k seems a bit excessive. 

aroominyork

VLS80 can justify the 0.22% charge for the bonds rebalancing, but I'm less convinced by 0.22% for VLS100. If all you want is equities and to overweight the UK (VLS is about 22% UK vs. 3-4% in a globally weighted fund) you can combine HSBC FTSE All-World Index with a UK FTSE100 or All Share index for about 0.12%. Up to you whether the saving of 0.1% is worth it. On £30k that's £30 pa, enough for a trip to the pub on a 2 for 1 burger night.

kempiejon

So I use etfs, one can make a fair copy of a LS80 with global developed etf, a sprinkle of emerging markets, gilts and a UK bias using 4 ETFs and dropping the charges a bit. The OP who can't be bothered to rebalance - a 20 minute job once a year with a spreadsheet for me - then a Vanguard lifestyle product can suit but know what you're paying for.

Linton

And now for something completely different...

Equity Growth Portfolio:

Note: Fund % allocations are set to achieve desired overall portfolio allocations across country, sector, large/medium/small, value/growth

Fidelity European W Acc
Fidelity UK Smaller Companies W Acc
iShares MSCI World Minimum Volatility ETF(MINV)
Janus Henderson European Small Companies I Acc
**Kraneshares MSCI China Clean Tech ETF
M&G Global Emerging Marketa I Acc
M&G Japan Smaller Companies Sterling I Acc
Matthews Asia Small Coms I Acc
T Rowe Price US Smaller Companies C Acc
Vanguard S&P 500 UCITS ETF Inc

** Minimal holdings, bought for fun  and as an experiment, as it significantly invests in Chinese EVs, esp BYD. 

aroominyork

Linton said:

Note: Fund % allocations are set to achieve desired overall portfolio allocations across country, sector, large/medium/small, value/growth

It's no fun unless you divulge those allocations.

Linton

aroominyork said:

Linton said:

Note: Fund % allocations are set to achieve desired overall portfolio allocations across country, sector, large/medium/small, value/growth

It's no fun unless you divulge those allocations.

Have fun
                         

Fidelity European W Acc                                           15

Fidelity UK Smaller Companies W Acc                       5

iShares MSCI World Minimum Volatility ETF(MINV) 20

Janus Henderson European Small Companies I Acc 6

(Kraneshares MSCI China Clean Tech ETF               1)

M&G Global Emerging Markets I Acc                       12

M&G Japan Smaller Companies Sterling I Acc          5

Matthews Asia Small Coms I Acc                               7

T Rowe Price US Smaller Companies C Acc           11

Vanguard S&P 500 UCITS ETF Inc                         18