Best Vanguard Funds UK

Vanguard has disrupted both UK funds and platforms for the better, forcing competitors to lower their fees or lose customers. But even if you’re not on Vanguard’s platform you can still buy their funds, which begs the question: which are the best Vanguard funds?
In this video, I show you my pick of their funds, what criteria I used to choose them and also share some of my gripes about the Vanguard UK offering.
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Capital at risk. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128)
Timestamps
00:00 Introduction
00:30 What Is “Good”?
01:10 Returns
04:09 LifeStrategy
07:11 Future Return
10:39 Fund Management Cost
12:20 Fund Platform Cost
14:35 Gripes
16:19 Best
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DISCLAIMER
All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results.
#VanguardUK #Investing #PensionCraft

[@Pensioncraft]

💸 InvestEngine is a great way to buy Vanguard ETFs as you save on your Vanguard account fee. See more here - investengine.pxf.io/6b3OvQ If you decide to register for an account using this link then you will get a Welcome Bonus of up to £50 when you invest at least £100 with InvestEngine (Ts&Cs apply) investengine.pxf.io/anQ5QM If you decide to register using this link then we will also receive a small commission. Capital at risk. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128)

[@markmoore7797]

Yes but they don't do the vanguard ftse global all cap Index fund, from what I can see

[@adamstockton67]

I also can’t find the funds you mention in the video on invest engine

[@manojheiyantuduwa7776]

Is the spread the same in InvestEngine and Vanguard?

[@wonderloot]

I didn't become financially independent till I was in my mid 40s after having a major financial setback during the covid, I'm glad i'm on my feet. In addition to buying my second house, I'm also making money on a monthly basis through passive income, and I've also met some of my goals. I really hope this motivates someone to know that it doesn't matter if you don't have any of these things yet; no matter your age, you can start today. Investing can help you change your future!.

[@witneywilliam]

Any investment tip?. I would love to know how you made it this far

[@wonderloot]

The issue is that most people have the 'I want to do it myself mentality' but not equipped enough for a crash, so they get burnt, no offense intended. Generally speaking, investment advisors are ideal reps for investing, and at first-hand encounter since the covid-19 outbreak, my portfolio has yielded over 300%, sunming up nearly 7-figure as of today.

[@wonderloot]

I highly endorse the services of Regina Louise Collaro, a US-based financial advisor and consultant. Partnering with an international organization, she has been instrumental in guiding my financial journey with unwavering support until my goals are met. Selecting the right financial consultant is as crucial as finding the right life partner, as both can significantly impact your life's trajectory. I'm grateful to have found the perfect financial consultant who has helped me achieve my financial objectives, from education to nearing retirement

[@skoopqueen]

I think you can easily find her information by doing a quick search. Feel free to reach out to her directly with any questions you may have.

[@KhadijaJazz]

It's surprising to come across Regina Louise Collaro's name here. I've always been uncertain about hiring an investment advisor. Just to clarify, I began collaborating with Regina in 2019. She oversees around 70% of my investments, leaving me with the remaining 30%. My stance has always been that I prioritize my own finances, but she has convinced me of her extensive knowledge regarding present circumstances and upcoming trend

[@PhillyG100]

Once again, thanks so much for your carefully researched info Ramin. You're really making a difference to people

[@martinclennell3023]

Thanks, I've been looking forward to this one!

[@alexm7310]

Thank you so much! Learning loads. :-)

[@timwood101]

Hi Ramin. That was one of your best yet in my view. Possibly because I’m collecting a favourite list of etf to call on as and when needed but also because it touched on a frustration of no global ex-us etf. They seem like hens teeth. Also appreciated the use of vanguards 10 year projections and comparisons. Thank you. Now I need to focus on my recipe, in a bit more detail 👉🏻👈🏻

[@george6977]

I couldn’t find a global ex US equity ETF when I checked JustETF some months ago. Nobody offers one.

[@NedFlanders39]

@@george6977 Google EAFE funds. pretty sure they're world ex usa and canada!

[@kevinu.k.7042]

Thank you - Another superb and informative video. I have some managed funds with Nutmeg. They are the equivalent of the Life Strategy Funds. The difference is that the Nutmeg funds consistently outperform Vanguards offering my a large margin. But, then there are the fees... Now I know why there is such a difference. Thanks.

[@Pensioncraft]

Thanks for sharing @Kevin U.K.

[@costelloj70]

Hi Ramin, very informative as usual, many thanks. Could you do a similar equivalent review for Ishares?

[@JohninRosc]

Really useful video as always Ramin. Many thanks.

[@Pensioncraft]

My pleasure @JohninRosc

[@chinadolltj]

Hi Ramin, could you please do a video about the Interactive Investor platform and its comparison with Vanguard? Many thanks!

[@knowledgeseeker5499]

Absolutely love this video ❤👌

[@JonnyWanders]

There is an Accumulating version of VWRL... it's VWRP (GBP) or VWRA (USD)

[@adamhopkinson7299]

Cracking video, I'm vanguard user and that missing funds section at 16:00 you highlighted really frustrated me in them not having these type of products available as opportunities to increase diversification. Instead they will just churn out another ESG fund of some kind.

[@dphillips9641]

I agree. Every new fund over the last few years seems to be just an ESG version of an existing fund.

[@adamhopkinson7299]

@@dphillips9641 and charge you a little more for taking those few stocks out.

[@whtwht]

Good observation on ESG but I feel that will change in the near future

[@akosiamarillo]

Still on LS100 and been thinking about switching to Dev World ex UK.....

[@yaseral-saffar7695]

I really wish there was a UCITS ex-US developed equity ETF

[@mixerman8]

I've left a wealth management firm due to insane fees but learn't a fair bit along the way. Transferred my ISA to Vanguard purely for index trackers and low fees. Also it takes the temptation away from buying single stocks. My one gripe is there needs to be a gold etf as I'd hedge my portfolio 10% with, but never mind. Last year after seeing the crazy over valuations of the market I decided it would be hazardous territory to go into indexing. I've gone with the Wellington managed Sustainability 80-90 fund annual cost .48% and its proved its worth. Doesn't sound like a lot but since transferring across in May 2022 just before the June crash im up still just shy of 5% while rest of the market was decimated in 2022. Theres a possibility with this debt ceiling crisis the sp500 could poss blow well below last October lows but no one truly knows. Only at that point if it does crash down the sp500 whilst the fund holds up much stronger due to its vast pickings of undervalued stocks will I be rotating around 60% out into the SP500 index for the run back up before diversifying back into the fund. Cheap doesn't always pay off, esp in this environment of uncertainties.

[@abusufian7966]

Hi great video- you mentioned the HSBC fund? Which one is it?

[@uniyalgaurav]

Excellent content as usual by Pension Craft. I have to start my pound cost averaging using stocks and shares ISA, and I wanted to stick to Vanguard for peace of mind. For per month GBP 100 OR 200, shall I go with your recommendation (i.e., FTSE Developed World ex-UK Equity Index Fund - Accumulation) (is this better than VWRL?) . Thanks very much.

[@RobCLynch]

The equivalent Fidelity world fund is cheaper at 0.12% and the Fidelity US fund is 0.06% annual fees. The only Vanguard fund which I do hold is Global Small Cap, for diversification. It has averaged just over 9% per annum over the last 10 years.

[@daveselvester]

Great video as always. I tend to go 75% Lifestrategy 60 with an additional 25% FTSE Developed Ex-Uk. This provides a 70/30 Equity/Bond split I’m after but offsets the UK element more in favour of rest of developed world

[@petethomas7164]

Hi, great idea....I think.(!) How's it worked out? Any updates?

[@yanetdevis2876]

Hi! Can you do a video similar but for all the best UK funds in general. And what about a strategy to start a JISA? Which funds do you suggest? Thanks

[@Dr.JubairsFinance]

Great and useful video as always

[@Pensioncraft]

Thanks again Jubair's Financ

[@stephen1189]

Great video Ramin! Is there such a thing as a global fund excl the US for U.K. investors with any other provider?

[@The_Last_Post]

Ramin, can you do a video about switching funds. Not just the process but more about the potential costs 'loss/gain' aspects between the switch taking place. 5-7days is quoted as normal, questions like when would it be best to switch between funds? When prices are high (e.g. in profit) or doesn't it matter? Do you hold the money in cash then buy back in at a better time? Thanks for another good video

[@MadderPrinciple]

Great Video, as always! Take your point about Life Strategy and overweight to UK equity, what do you think about sustainable life and their flexible allocation of bond to equity?

[@nickbuckle646]

Vanguard do seem to be very slow at getting funds onto the platform VWRP is is available elsewhere for example

[@martynas9019]

What do you think about govermments trying to control more and more what kind of funds investors invest in? I see more and more ESG funds, forcing to sell Russian equity since the war begin. I don't feel it's safe to invest in emerging markets Vanguard funds , because of China risk and western govermments. Any thoughts?

[@pistopit7142]

I think Vanguard's best one stop fund for equity is FTSE Global All Cap Index Fund. Yes fees are a bit high 0.23% but you basically buying entire stock market. It will simplify portfolio of most investors asuming one does not want a tilt in any direction. Keeping it simple, helps greatly to stay the course.

[@barnstar2077]

I agree, this is my chosen fund too!

[@giuliotani243]

I moved away from Vanguard and now I buy this "HSBC FTSE All-World Index Fund Accumulation C" (GB00BMJJJF91). It is the same concepts but lower fees.

[@barnstar2077]

@@giuliotani243 - I agree the HSBC fund is good too, but I use the Vanguard platform for the 0.15% platform charge. I know there are cheaper ways of doing it, but it is cheap enough for me. I'm not going to worry about 0.10% when some people are paying well over 2% combined because they don't want to DIY.

[@NedFlanders39]

I thought this too but with transaction costs as high as 0.08% it makes the fund 0.46% per year. fidelity + the HSBC fund Ramin talks about would be cheaper than vanguard unless you've got to the £375 cap

[@raymondsiu4174]

​@@NedFlanders39 😅

[@midnightgaming9849]

when you invest in a mutual fund, do you have ownership of specific stocks? if so do you have to pay tax on stocks that are overseas e.g paying tax in US if you own shares in the US?

[@Paul_Mason]

diversification is the DNA of Vanguard... if you want to stock pick, pay more for the ability on other platforms

Great video. Please compare and contrast the transaction times (In working days) for Vanguard and other leading platforms.

[@caevv]

Can you tell the which Vanguard funds are on those list that are available on Freetrade or other SIPP? Or even other ETFs Global Ex-US funds?

[@67eamonn]

Just found out tonight by email from Vanguard that they are pulling their Personal Financial Advice service. Just like that! Ends in May, management fees will be refunded. They saw we can move to other funds or move provider.

[@carrie20074]

Would FTSE Global all Cap be high on the funds list as far as returns are concerned

[@antoniokehtar9870]

Hi Ramin I believe you have missed the 0.22% Fund management fee and £7.50 ETF cost and 0.02-0.46 additional ETF cost by Vanguard. If one invest £30k then the annual cost will be £122. Thanks for the informative video

[@albertboulderwardthe3rd590]

Hi Ramin, would you consider the Vanguard FTSE all world ex UK Equity Index Fund, and the Vanguard All world high dividend yield ucit ETF a good complimentary fit.

[@josuetorresaraque756]

Hello, thanks for all the advice regarding investing. I wonder if you have opinions or criteria regarding ESG investments with Vanguard?. Thanks in advance.

[@denisdrury5010]

VEVE is my favoured Vanguard fund. Agree that it’d nice to have more GBP hedged options. I’ve been using NS&I Premium Bonds to hedge my USD equity exposure.

[@alyoshaivanovv]

Would it be safe to get in now? Considering the recent global economic crisis?

[@GTOUranus]

Started investing straight after university, picked the FTSE Global All Cap Index Fund Accumulation after watching a lot of these videos, will hope to let it run for the next 15-25 years.

[@pistopit7142]

Perfect choice!

[@dunk8157]

I wish I had done the same, took me years to find out about ETFs. A global tracker has got everything in it, it seems boring but actually returns and simplicity wise its very good.

[@simplydividends]

You've missed out the best one stop shop fund by Vanguard, the FTSE Global All Cap Acc. This is the ultimate global diversification which weights to the global markets and includes emerging markets too.

[@BezJones]

What's the fee for that one?

[@stevie3452]

It’s just a more expensive version of buying the large cap and small cap separately?

[@ianmanning8684]

I can’t find the top rated vanguard fund VVUSEI can anyone advise what the the ticker is for this ?

[@kevingarforth5135]

Exactly my first thought. Ramin did mention any fund with TER above 22bps was too expensive ( for him ) so maybe it was screened out for comparison?

[@JonnyWanders]

VWRP

[@edburton8167]

Great video, really well explained, thank you. I'm looking to start investing through Vanguard, I plan to use the dollar-cost averaging strategy with a monthly transaction, and keeping within the annual ISA allowance. I see that Vanguard launched the Vanguard Managed ISA in Dec 2022. As I'm starting out the total 0.60% fee will be quite minimal as a total amount, is this a product I should be looking at? Either instead of or along side the FTSE Developed world ex-UK Fund?

[@dunk8157]

I would avoid the managed options personally, as there is more room for human error when someone is picking the funds. You could maybe add VWRL ETF as well as that gives some exposure to UK and non-developed markets.

[@riaanmaritz3770]

Could you make a video regarding cheapest/best global funds on trading 212 ?

[@ugandharpitta3318]

Super explanation

[@Pensioncraft]

Thank you 🙂 @Ugandhar Pitta

[@rgrtnyjjc]

Hopefully someone at Vanguard is listening, perhaps Ramin’s video could influence them to maybe reducing the LS UK bias and take on some of the other gripes.

[@scut92]

Great video as always. In the past you've said FTSE global all cap was your fund of choice is there a reason you've moved away from it? Do you not need/want the small cap coverage?

[@Pensioncraft]

Hi @scut92 the fee is a lot lower for developed ex-UK. Thanks, Ramin

[@DR00002008]

@@Pensioncraft 0.09 a lot lower? The small cap + EM inclusion into the global all cap may give you greater returns, much more than the 0.09 difference! If you're scrimping on fees, why do you not use invest engine or 212? You can then get a purer global equity tracker with VWRP without a platform fee, which will be cheaper than your developed ex-uk on Vanguard Platform!

[@NedFlanders39]

​@PensionCraft do you think having a low fee would give you a higher return than paying 0.9% more for an EM mixed global fund like All Cap?

[@liam.4454]

Can i do a dividend stock portfolio with vanguard and will they choose the stocks for me? I don't feel I have the knowledge to choose my own

[@nigelaustin9672]

I'm not sure I agree with the hedging back to £. My approach is if the fund is more than 50% US then hold it in $. If it was Developed Europe hold it in Euro. The reason is there are papers written showing that over the long term currencies are net neutral, so why pay the extra to hedge. Also if u have a fund that is mainly dollars hedged to £ then you are going to pay for hedging fees in the fund cost as someone has to pay for it.

[@theo3599]

Great content as usual Ramin. You mentioned that you are invested in two funds, global world equities and global bonds. Do you mind sharing the percentage of those two funds and the reason for that percentage? Thank you

[@II-IJT-II]

£7.50 is charged for live price, just choose next available price and you skip this fee completely.

[@Lightning_Lemon]

You say at the end of the video that vanguard has no global equity acc fund. What about FTSE global all cap?

[@rezwhap]

He’s using a cutoff of 0.20% for cheap, just missing the Global All-cap’s 0.23%.

[@NedFlanders39]

Surely for 0.9% higher fee you'd just opt for the global all cap. You're putting EM on the table otherwise, unless you buy an EM fund.

[@cooper8t]

I actually like LifeStrategy 100 because it's an "anti US" equity tilt (as the UK tech sector is 0%) and I (strangely) find it more diversifying than a Global Tracker. And in 2020-2023 my theory did prove me right. UK lagged post pandemic, but held its own in 2022-present, whilst the US surged post pandemic and crashed in 2022. Why I personally like it. However, I can see why others don't like that tilt.

[@troydyall6624]

Im on pensionbee with a fee of 0.7 which i think is very high. would it be better to transfer to the vanguard sipp?

[@NZAnimeManga]

Vanguard could dominate UK ETF market if they slashed VWRL/VEVE to ~0.10/0.08%, undercutting HSBC & Fidelity funds. Frustrating how slow they've been to drop their fees (especially when it can be cheaper to hold some of their offerings on other platforms)... Still not going to get over them dropping their factor ETFs... miss my VVAL...

[@lucamarinelli364]

I really like your video! What do you think about S&P500 offered from a Vanguard as well? If you can make a video be great! Bye

[@stuarth9359]

Don’t understand how Dev world ex UK has substantial out performed VEVE during the last year, while the FTSE reaches all time high, why wouldn’t the inclusion of UK in VEVE have a positive effect? Other than ex UK both track FTSE world index?

[@DheerajPalagiri]

why not FTSE Global all cap which covers emerging markets?

[@RJ-hi5pw]

If you have £80,000, and you use a DCA approach of investing monthly e.g. £100, with Interactive Investor, would that suddenly make it much more expensive than doing the same with Vanguard due to the trade fees?

[@NedFlanders39]

Hey Ramin - do you look at transaction fees when assessing when a fund is expensive or not? Vanguard funds soon shoot up to .30 - .46% quite quickly when looking at the fees overall, perhaps more expensive than Fidelity etc when your balance doesnt reach the £375 cap.

[@TheNimbleNomad]

One fund missing in your list was the VHYL - based on your recent video on high dividend yield equity this would have been interesting. I think its only been around for 5 years which is maybe why it wasn’t included? Thanks for the awesome video as always

[@TheNimbleNomad]

Lol sorry! Just got to the end and realized that’s the equity fund you recommend!!! Thank you!

[@Pensioncraft]

8-)

[@boombustinvest]

I prefer VHYL global high yield fund. The other global funds are just too heavy on US equities. VHYL is also probably more defensive (Dividend stocks). The current yield is way above the standard global funds.

[@paul_k_7351]

Don't forget GGRP...

[@nigelaustin9672]

​@@paul_k_7351 my understanding this is a mix of momentum and dividends. To capture the best of both worlds. The only thing is this covers developed markets only

[@stevetop5970]

Hi Ramin, wgat about VUAG?

[@JJ-gp3bo]

Is this the HSBC fund Ramin referring to? HSBC FTSE All-World Index C Acc BMJJJF91? Thanks

[@coderider3022]

LS funds, even with US lower Projects, still think it’s to be avoided based on too much UK?

[@russdavey1919]

Very interesting. On the Lifestrategy UK bias, if you're not super keen on trying to emulate the fund yourself (and dialing down the UK overweight), could you not just go with the Vanguard Global All Cap, and then add in a global bond fund of some kind and achieve a similar result? That would keep the portfolio relatively simple, which is what appeals to people who have the Lifestrategy funds. It's truly baffling why Vanguard insist on the UK home bias.

[@george6977]

Vanguard believes most UK investors want a home bias so that is what they supply.

[@NedFlanders39]

i have the same bias in my default pension allocation with Aviva. kinda annoying if you dont want it!

[@gringadoor5385]

When does your 100% drip feed reach its end?

[@Richard-kf7ul]

Great video and many thanks. A world ex US is attractive but I don’t see any providers offering one. Anyone know of an ex US fund/etf available to UK investors?

[@NedFlanders39]

ishares EAFE

[@freedomworks3976]

Always Vanguard your money 💰

[@jamesorr8297]

hi can you do a video on short term money market funds as a safe way to hold cash in a sipp in the short term?

[@Pensioncraft]

Hi @James Orr here is my video about money market funds kzbin.info/www/bejne/p363nKWbi5d2iLc

[@paul7233]

Vànguard should lower their maximum platform fee to match Interactive Investor.

[@george6977]

Zero?

[@george6977]

Vanguard will need to lower their ETF purchase and platform fees to zero to compete with Invest Engine.

[@aronreynolds953]

I have vuke and vhyl as i couldnt find an etf that automatically reinvested dividends? Anyone know if there are any?!

[@simony2801]

Pity they can’t fix the uk overweighting issue.

[@adamwrigh8805]

Hi Ramin ✋ What is the HSBC fund with .12 fee you mention please and why not invest in either (HSBC or Vanguard) say via trading 212 that have no account fee?

[@NedFlanders39]

HSBC FTSE All-World Index Fund Accumulation is the fund. Ramin's already set up in vanguard so i'd assume he'd want to keep all his money in one place. if i had over 80k in my ISA id prefer to put it in a multi trillion dollar AUM company than a trading212 app. but thats just my theory

[@MARTINA-gc3tq]

Are there any Vanguard funds which are best to have in a recession? Vanguard are currently paying 3.70% on cash.

[@timetraveller3063]

HSBC Ftse All world- includes 8% emerging markets Fidelity World P- only developed world Legal and General Global 100- follows S&P 100 index. All 3 are great global Index funds and covers you as they do slightly different things.

[@giuliotani243]

Do you mean this one GB00BMJJJF91 ?

[@timetraveller3063]

@@giuliotani243 no

[@Marenqo]

What are your thoughts on amundi global tracker? Saw it on invest engine with very low cost

[@tiagoferreira536]

Good video, but... Why have you ignored VEVE (Vanguard Developed World ETF)? 0.12 Fee, includes UK, which I believe is preferable to the Ex UK fund you choose, and a bit cheaper too for more diversification (and a bit less US)Can't really be that difficult just to log in every 3 months and re invest the dividends.

[@Pensioncraft]

Hi Tiago, I wanted accumulating funds and VEVE is an income fund. Thanks, Ramin

[@tiagoferreira536]

@@Pensioncraft Thank you for the reply, and thank you also for the brilliant channel. Other than the need to re-invest the dividends paid, any other reason why you consider Acc only?

[@jamesevans6438]

Wouldn’t there be a tax implication if the dividend was paid, assuming you have used up your ISA allowance

[@tiagoferreira536]

@@jamesevans6438 It's harder to calculate how much you owe, but you still have to pay tax on Dividends earned on Acc. Funds. So no difference there.

[@nicolahull2632]

@@Pensioncraft Is the VHVG the same as this. It's on trading 121 and is accumulating?

[@dominicmcnamara]

VUAG accumulates and offers a decent enough risk

[@g1ld]

I would like to start investing on an index fund that only covers BRICS countries, but there isn't any. All the speculative bubble of vanguard and the rest relies on pumping up the U.S. dollar. No thanks.

[@its1me1cal]

Trading 212 fee for holding a fund is free in their ISA. Why not mention that one as it’s now, one of the most popular ones in the UK.

[@MrG.42]

Brilliant video as usual. Would it be safe to invest the example stated £250,000 in any one platform? As the protected amount is only £85,000 per person.

[@trickyrat483]

These are investment funds, not cash or fixed-interest. Totally different set of rules - the assets are ring-fenced from the platform provider.

[@loutol2952]

@@trickyrat483 thanks for your explanation. I have been struggling with the question. So if I understand you clearly, the assets as in the etf/fund is protected regardless of the value whilst cash is protected up to £85K. Apologies if I have stated the obvious.

[@george6977]

If a platform were to be hacked and collapsed as happens with crypto exchanges, I suspect ring fencing would offer no protection when assets vanish. My understanding is you would receive a maximum of £85,000 compensation eventually, if anything is left, maybe years later, after the administrators have taken their high fees.

[@danutc9043]

Most of platforms if not all of them operates thru bank accounts so if in GFC 2008 banks have beneficiating a baliout sistem by the goverment since 2014 if im not mistaken there is a new sistem called bail-in and clients funds are hold back to be used in leveraged banks positions and so. Coin bureau have a video explaining better the thing, go check that out

[@paul_k_7351]

Cash aside, I think there might be a difference between active funds and passive funds (such as ETFs). But no idea in all honesty! Banks are a different kettle of fish and we’re gambling your money away during the GFC so that’s why they didn’t have it ready to pay out.

[@dunk8157]

Worth noting that HL actually works out cheaper than Vanguard and ii to hold Vanguard ETFs. HL have a £45 cap per year on their ISA for ETFs. As soon as you hit £10,000 with HL you start saving money. You have to factor in the £11 trading cost but if you put a lump sum in a few times a year it still works out to be very good value.

[@eunicef1]

Which? disagree as you must have a large portfolio in order to avoid their expensive fees. Halifax are the cheapest according to Which? I recently moved my portfolio from HL.

[@malcolmbirkett1347]

If you buy it using HL monthly savings scheme its free to buy.😊

[@johnscrivens674]

Based on Ramin's presentation, less experienced investors may actually think that Vanguard can predict currency movements and returns years ahead in the future. This is untrue, and if you check published information from successful fund managers such as Terry Smith, they will confirm that even experts can't predict the future in the way Ramin is implying. Having said this, I guess beginners may find some of the information useful but I would recommend that they also check what the approaches used by expert fund managers in order to get a more balanced view.

[@dunk8157]

True, also long term (since WW2) the Pound has been going down against the dollar, I'm not sure what will happen but it does bring in the possibility of human error relying on a forecast.

[@user-rj8ib1my3y]

Hello, I am a little confused, sorry, I have invested in”FTSE Global All Cap Index Fund Accumulation”, this wasn’t on your list but seems to offer what you said you would like to see? Great video BTW, thanks

[@stecli]

Fund management cost is 0.23 % which exceeds his 0.2 % limit ?

[@NedFlanders39]

@@stecli seems a bit silly though, surely excluding UK & emerging markets to save 0.3% is a weird trade off

[@stecli]

​@Ned Flanders Agreed

[@mmherrebrugh]

Great video Ramin. Can you explain why the returns for FTSE All World UCITS ETF are indicated to be so much lower than FTSE Developed world ex UK? Is this just due to the difference in one being a dividend paying fund and the other accumulating? Their returns shouldn't be that far apart should they?

[@sijfish]

Worth noting FTSE All World index tracks both developed and emerging markets so they’re not apples to apples

[@mmherrebrugh]

@@sijfish appreciate that. But don't understand how the expected return for VWRL is so much lower. Emerging markets is only 10 pct and UK 4pct. How come that return is about half then. That can't be right, can it?

[@NedFlanders39]

@@mmherrebrugh VWRL is distributing so it doesnt re-invest dividends- that's probably why

[@chrisf1600]

The total return of any investment is the sum of the capital gains plus any income it generates (assuming that the income is immediately reinvested). I think you might just be looking at capital gains, which is only half of the picture.

[@mmherrebrugh]

@@chrisf1600 thanks

[@arijitnath9626]

I have my SIPP with vanguard, I am thinking of opening ISA, is it worth doing it with AJ Bell or a company that's not vanguard so that I can cover more Holdings and diversify better than sticking to vanguard

[@user-pb4hc9wr2s]

they do sipps?

[@arijitnath9626]

@@user-pb4hc9wr2s yup

[@cantbendknee]

What percentage allocation do you have for these two?

[@coderider3022]

He missed this yes. Comes down to your time scales and risk doesn’t it.

[@brochrock007]

I have a question. If the dollar goes down the US market should go up & if you are in a hedged fund would you not be protected against the devaluation of the dollar?

[@paul_k_7351]

If the dollar goes down you would be able to buy more US equities with your GBP, unless you are in a hedged fund which would decrease in value. This is separate to whether US equities go up or down. I think overall it could be bad news for the US as their imports would get more expensive and they have a trade deficit so more imports than exports.

[@giulitosto]

Hi and thanks for the incredibly informative content. I started investing thanks to your videos when I was 29 (now 31). Just a clarification if I may ask, you say in this video you have a two funds global portfolio. Is the second one the global bonds fund you mention here? If so how about coverage of emerging markets which you would not have with the FTSE developed world ex uk? Is that a conscious choice? Lastly how much weight should the bond fund have on the overal portfolio? I am 31 and plan to invest for the next 10 years at least so for now I have a 100% stock portfolio but would like to understand whether it is sensible to introduce bonds element to it. Thanks again and keep up the great content 🙏

[@PAZPERDEE]

I’d like to see a fund dedicated to India only

[@bmwofboganville456]

Very disappointed that Vanguard shuttered their factor funds, right at the peak of megacap / capweight out-performance in early 2021. Very little choice for UK investors who want to exposure to value / small value.

[@roger4880]

Exactly. UBS has the RAFI 1000 fund and it is essentially a value fund at a reasonable fee. Outperformed in 2022 vs a straight developed world fund.

[@xandermeier3682]

Is there a global equity fund ex US that we can buy in the UK?

[@stuarth9359]

It’s not just Vanguard, just etf doesn’t show a single EAFE etf available to UK investors 😢

[@petermorris3665]

Believe it or not, some Vanguard Funds in the UK are not available direct from Vanguard and are only available via other platforms. For example, I've got VUAG through Hargreaves Lansdown and I can't see this on Vanguard. Also, most, if not all, the Vanguard Funds available to UK investors are domiciled in Ireland not in the UK - May be important to some people for tax or other reasons.

[@george6977]

No ETFs are domiciled in the UK. I don’t know why.

[@petermorris3665]

@@george6977 To avoid the higher rates of UK corporation tax. It's no surprise that Vanguard, Google, Microsoft, Macdonald's, Aldi UK, Lidl UK etc are all domiciled in Ireland. My daughter works in the NHS and for this reason, and others, I always try to support UK companies that pay their taxes in the UK. FCIT is a FSTE 100 UK-domiciled company that has beaten Vanguard VWRL over 1, 3, 5 and 10 years and so that is where my money goes for global investments.

[@george6977]

@@petermorris3665 Thanks. Regarding FCIT, I expect that’s due to gearing, possibly luck or maybe skill. Let’s hope they don’t regress to the mean. I used to believe some fund managers could outperform but S&P data convinced me that 85% of them can’t over a 20 year period so I now invest in low cost index funds.

[@log874]

Forecasts are pointless. Nobody knows, not even Vanguard (as previous Vanguard inflation predictions demonstrate!). If a fund has thousands of stocks from throughout the world regardless of the weightings, and the fund is cheap, that'll do. So I'd consider Lifestrategy 100, or Vanguard FTSE Global All Cap as 'good' Vanguard Funds. I wouldn't opt for anything that tracks FTSE Developed World Index or MSCI World Index without bolting on an EM fund and maybe a small cap/income/value fund because they are developed world only and on their own they are too S&P 500 heavy. If there is mean reversion, that won't offer a particularly good risk adjusted return.

[@trickyrat483]

FTSE World (not Developed World) has EM. Unfortunately VG don't offer such a fund. :( I have an L&G one with very low costs.

[@sijfish]

@@trickyrat483 what about Vanguard All World Accumulating (VWRA)? That tracks the FTSE All World with both developed and EM

[@dunk8157]

VWRL has EM, it's one of the biggest ETFs.

[@jonathantaylor3750]

Anyone any experience of flipping their isa provider? I’m with HL, joined with little research but now I they are the worst value. Thinking of switching to Vanguard after listening to this vid

[@simonrlewis]

Yes, I requested to transfer my entire isa but my Ex Neil Woodford fund could not be sold off, so now I have to reapply for a partial transfer! FYI any Vanguard holdings on HL don’t need to be sold off but others do. All a bit messy.

[@dunk8157]

Actually holding Vanguard ETFs works out cheaper with HL as they have a £45 cap per year on their ISA for ETFs. As soon as you hit £10,000 with HL you start saving money. You have to factor in the £11 trading cost but if you put a lump sum in a few times a year it still works out to be very good value. Not sure why this isn't mentioned in the video. You can also hold ETFs that don't appear on the Vanguard site. I think its a good idea to have more than one ISA though with different providers, it feels safer.

[@phil1edinburgh]

But you didn’t count sipp in interactive so your comparison is actually completely wrong as ii charge for sipps separately but vanguard don’t.

[@Flandria55]

Ramon, thank you for this excellent information. Vanguard Funds may offer another advantage to European investors. I am from Belgium , with my residence in Panama. My brokerage account with CS only lets me buy US domiciled finds which are subject. to US Estate Tax. UK Vanguard funds for US securities which are domiciled in the UK are not subject to US Estate Tax.🤫

[@JonnyWanders]

You need UCITS ETF - domiciled in Ireland

[@somshridhar]

Clear images please. Can't see

[@Marenqo]

Invest engine do vwrl

[@Paul_Mason]

no cost to buy and sell on Vanguard platform

[@roger4880]

Would love to see a global or US small cap value as an etf or fund, can't find any in the UK. Best performing factor as you know Ramin.

[@NedFlanders39]

They have it on vanguard UK

[@NZAnimeManga]

@@NedFlanders39 no, they don't. They removed their factor offerings, and there's no "small cap value" combination factor funds.

[@fredatlas4396]

​ VHYL, ftse all world high dividend yield etf offers exposure to global value

[@pistopit7142]

@@fredatlas4396 it must be blend of these two. The companies that are small cap AND the same companies are value. Combination of these two gives proper exposure and higher expected return as also higher risk.

[@Paulie44]

Vanguard UK has a Global small cap index fund.

[@TD-ok4fy]

Whg no S & P 500?