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actuallyxy

It looks like the main difference between those two is that HMWO excludes emerging markets. Personally I use the Vanguard Developed Markets, Vanguard Emerging Markets and Vanguard FTSE 100 ETFs. I have a slight home bias but nowhere near what you plan. The UK may be undervalued, but for me it's not...

actuallyxy

Are you holding 40 UK / 20 World? That's a lot of home bias. not yet - still have a big warchest - it's the current plan though. I have faith in the UK, like the yanks have faith in the SP. Over longer term, back down the percentage, I guess to the point where international diversification no longe...

actuallyxy

Are you holding 40 UK / 20 World?

That's a lot of home bias.

actuallyxy

actually, it seems to me that you might as well just go with VWRL or HMWO, which includes about 5% of FTSE in it. So if, for example, you had it split 40 domestic /20 world, you'd actually be holding 41 domestic or thereabouts, hardly enough difference to matter. Or just scale back the world by 1%....

actuallyxy

Xtrackers FTSE All-World ex UK UCITS ETF

It has fees of 0.4%, so a bit more expensive than the fund you currently hold.

actuallyxy

60/20 is reasonable. It's more or less the proportion in the Lifestrategy funds, so you could go for one of them

If your expenses are in GBP, it makes sense to have your bonds in GBP too. You could just have UK gilts, but most people choose to have a global bond fund hedged to GBP.

actuallyxy

Equal parts national and international makes sense for US investors because the US is half the global market anyway.

The UK, on the other hand, represents about 6% of the global market. Some home bias may make sense, but half of stocks in the UK is too much.

actuallyxy

Make sure this mentor is not trying to rope you into an MLM, a pyramid scheme or another type of scam.

actuallyxy

http://www.morningstar.co.uk/uk/etf/snapshot/snapshot.aspx?id=0P00014IUJ http://www.morningstar.co.uk/uk/etf/snapshot/snapshot.aspx?id=0P00014IUH http://www.morningstar.co.uk/uk/etf/snapshot/snapshot.aspx?id=0P00014OAB http://www.morningstar.co.uk/uk/etf/snapshot/snapshot.aspx?id=0P00015EO6 http://w...

actuallyxy

Thanks to everyone who has posted on this thread It has been very interesting to say the least. An allocation I have considered for a while for my whole equity allocation rather than Global cap weighting (U.K based) is 25% Developed Large Cap 25% Developed Small Cap 25% Developed Value 25% Emerging...

actuallyxy

Most investors like to overweight their home country. A lot of American investors here in bogleheads invest 100% or 80% of their stocks in the US. If you look up the Lifestrategy fund in www.morningstar.co.uk or in the UK Vanguard website and go to the portfolio section, you can find more informatio...

actuallyxy

Vanguard Lifestrategy is as great fund-of-funds designed to constitute your whole portfolio. The main criticism some people have is that it has a significant UK overweight, because it holds 25% of its stocks in UK companies, while the UK market weight is about 7%. Another smaller problem is that som...

actuallyxy

Invest in Berkshire Hathaway. It's one stock that doesn't pay dividends but it behaves like a mutual fund.

As somebody already suggested, British Investment Trusts may be an option too, but they pay dividends.

actuallyxy

You could use this ETF Amundi ETF Short Govt Bond EuroMTS Broad Investment Grade 10-15 Daily UCITS ETF I wouldn't do it Thanks! I did not know it existed. The only drawback (for what I wanted to do) is that it has broad investment grade bonds, whereas I was interested in AAA bonds, which have negat...

actuallyxy

You could use this ETF Amundi ETF Short Govt Bond EuroMTS Broad Investment Grade 10-15 Daily UCITS ETF I wouldn't do it Thanks! I did not know it existed. The only drawback (for what I wanted to do) is that it has broad investment grade bonds, whereas I was interested in AAA bonds, which have negat...

actuallyxy

You could use this ETF

Amundi ETF Short Govt Bond EuroMTS Broad Investment Grade 10-15 Daily UCITS ETF

I wouldn't do it

actuallyxy

Vanguard FTSE Global All Cap is a nice option. It comes in accumulating and distributing flavours. It has fees of 0.24%, which is a bit hight, but it includes emerging markets and small caps at their market weights.

actuallyxy

Ignoring the loss harvesting aspect... Does that mean there is a viable strategy for UK investors with taxable accounts to harvest the CGT tax free gain every year, and then immediately reinvest that in a similar-but-not-same fund in order to reset cost basis? Exactly. Other options are to sell and...

actuallyxy

I would advise you to use distributing funds outside ISAs and SIPPs if you are a UK taxpayer. I have used several brokers and none of them include any information on dividends paid on accumulating units. You'll have to try to find that information from the internet or ask the fund provider. Also, yo...

actuallyxy

I would advise you to use distributing funds outside ISAs and SIPPs if you are a UK taxpayer. I have used several brokers and none of them include any information on dividends paid on accumulating units. You'll have to try to find that information from the internet or ask the fund provider. Also, yo...

actuallyxy

I think you may regret excluding the US, which represents 60% of the world markets. I say this as somebody who is underweight US and overweight EM and Europe. Why must you have accumulating funds? If you like a distributing fund, you can reinvest the dividends yourself. It may be useful to rebalance...

actuallyxy

Two other options traded in GBP with some exposure to smaller caps are: iShares EM Dividend UCITS ETF Invesco FTSE Emerging Markets High Dividend Low Volatility UCITS ETF They are dividend ETFs but quite valuey. They have interesting country compositions, with a lot of Russia, and only about 100 hol...

actuallyxy

Thanks for that explanation, TedSwippet. I didn't know about that.

actuallyxy

I've used Iweb and AJ Bell without conversion charges. I am very surprised that Interactive Investor is different. Maybe the person who answered your question was clueless it didn't understand. In terms of EM small value in the UK, I'm only aware of two options: Dimensional EM Targeted Value Fund Un...

actuallyxy

Check with your platform. My understanding is that currency conversion fees apply only to foreign shares, not to funds or ETFs traded at the London Stock Exchange, regardless of base currency What funds have you identified for EM Value? These are the ones I'm aware of: iShares Edge MSCI EM Value Fac...

actuallyxy

I would like to add the observation that stock volatility can work to your advantage at your stage in life. When stocks drop in price, you have many years to wait out their recovery. In the meantime, you are buying cheap with every monthly contribution. You want to buy cheap and sell expensive. Whil...

actuallyxy

If you don't like the UK overweigh, you can buy something like the Vanguard Global All Cap Index fund (which has the UK just at its market weight, and includes a bit of global small cap companies), and then add the bonds separately at a proportion that suits you. For example, with the Vanguard Globa...

actuallyxy

LS20 is 80% bonds. It should be safe in the event of a market crash - it will probably go down by less than 10%. On the other hand, investing mostly in bonds exposes you to other risks. Firstly, bond yields are very low right now, so you should expect minimal returns that may not even keep up with i...

actuallyxy

You need to find out what's the tax situation first.

If it turns out you can keep assets in Spain, BNP Paribas has a low cost platform with access to Vanguard funds.

https://pi.bnpparibas.es/fondos/buscado ... tora=00110

actuallyxy

I spoke to Niche Independent Advisers on the phone today. They are based in Newport and charge a fixed annual fee of £1,500/2,500/5,000 depending on the services needed, independently of portfolio size. They do not offer Dimensional funds at the moment, but they were open to add them to their repert...

actuallyxy

I called Cavendish online. They said no. So far the cheapest option I've found is a roboadvisor called destinationfp. Their most aggressive portfolio is: 22% Global equity (in Vanguard, Fidelity abd L&G funds) 33% Dimensional Global Targeted Value 18% Vanguard Emerging Markets 17% Dimensional Emergi...

actuallyxy

I see. But all the funds appear as 'Restricted'. I already went through this with AJ Bell. You'll still need an adviser.

actuallyxy

I just looked at the Cavendish website and couldn't find any Dimensional funds. Maybe they don't have them any more.

actuallyxy

I'll let you know if I find one then.

actuallyxy

Dimensional funds can only be accessed via an adviser. Most advisers in the UK like to work for an annual commission. I contacted one local to me with a good reputation who asked for 2% the first year and 1% every subsequent year. Are there any advisers in the UK with access to Dimensional funds and...

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