Investengine Lifeplan portfolios

safe_hands2

These look like a decent proposition and alternative to Lifestrategy. What are the thoughts of any knowledgeable investors amongst you?

InvesterJones

safe_hands2 said:

These look like a decent proposition and alternative to Lifestrategy. What are the thoughts of any knowledgeable investors amongst you?

They're more expensive, and don't have the home bias which is serving Vanguard LS well at the moment. If you don't want the home bias then there are other multi-assets like HSBC global strategy that might be worth considering.

dunstonh

safe_hands2 said:

These look like a decent proposition and alternative to Lifestrategy. What are the thoughts of any knowledgeable investors amongst you?

More expensive than alternatives.
0.25% provider charge
0.12% TER
0.08% Spread average costs
0.45% Total.

It has some management decisions in its asset makeup which are different to the others.    So, it may depend on how much you like those management decisions or not.

Ivkoto

The returns are pretty good ( after fees ) I would say for most investors. They are well diversified, with no overweight of single companies or sectors.

boingy

Shame their customer service is so dreadful. 

eskbanker

Ivkoto said:

The returns are pretty good ( after fees ) I would say for most investors. They are well diversified, with no overweight of single companies or sectors.

'Pretty good' by what benchmark though?  Quoting annualised returns over a 20+ year period precludes direct evaluation against many obvious current competitors....

LHW99

Chart based on a "Hypothetical example of how a £10k investment might have grown based on past data of the current ETF's in our Managed Portfolios..."

So not actually a 20 year record for the fund, as presumably that didn't exist 20 years ago.

If it had, there's no guarantee it would have included all / any of the "current ETF's" and consequently it's performance may have been better or worse than the graph.

How do you like what's in it now?

Ivkoto

eskbanker said:

Ivkoto said:

The returns are pretty good ( after fees ) I would say for most investors. They are well diversified, with no overweight of single companies or sectors.

'Pretty good' by what benchmark though?  Quoting annualised returns over a 20+ year period precludes direct evaluation against many obvious current competitors....

Let's say I compared them with equivalents in the same categories:

Vanguard life strategy range
BlackRock consensus range
HSBC global strategies range


I think these funds exists, for people, who are not very experienced investors or completely newbies to make their life easy, instead of studying, researching or paying someone else extra cash for managing.

eskbanker

Ivkoto said:

eskbanker said:

Ivkoto said:

The returns are pretty good ( after fees ) I would say for most investors. They are well diversified, with no overweight of single companies or sectors.

'Pretty good' by what benchmark though?  Quoting annualised returns over a 20+ year period precludes direct evaluation against many obvious current competitors....

Let's say I compared them with equivalents in the same categories:

Vanguard life strategy range
BlackRock consensus range
HSBC global strategies range

I think these funds exists, for people, who are not very experienced investors or completely newbies to make their life easy, instead of studying, researching or paying someone else extra cash for managing.

Yes, I'm highlighting that you haven't compared them with equivalents in the same categories, i.e. standalone charts are largely irrelevant without the context of peers, which are indeed the one-stop-shop 'fire and forget' portfolio-in-a-product multi-asset offerings suited to the inexperienced.

Ivkoto

LHW99 said:

Chart based on a "Hypothetical example of how a £10k investment might have grow


n based on past data of the current ETF's in our Managed Portfolios..."

So not actually a 20 year record for the fund, as presumably that didn't exist 20 years ago.

If it had, there's no guarantee it would have included all / any of the "current ETF's" and consequently it's performance may have been better or worse than the graph.

How do you like what's in it now?

As I said, I like how well diversified the funds are. Each fund contains over 6000 holdings. There is no overweight in the Mag 7 etc.

dunstonh

Ivkoto said:

LHW99 said:

Chart based on a "Hypothetical example of how a £10k investment might have grow


n based on past data of the current ETF's in our Managed Portfolios..."

So not actually a 20 year record for the fund, as presumably that didn't exist 20 years ago.

If it had, there's no guarantee it would have included all / any of the "current ETF's" and consequently it's performance may have been better or worse than the graph.

How do you like what's in it now?

As I said, I like how well diversified the funds are. Each fund contains over 6000 holdings. There is no overweight in the Mag 7 etc.

Its actually underweight in US compared to market cap.