JamesFrance
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Post by JamesFrance on Feb 11, 2019 14:40:13 GMT
I have recently returned to UK residence and liquidated my French tax efficient investments, so am thinking of investing a fair amount in ETFs so that I no longer pay a few thousand per year in fees, management charges and other financial rip-offs. Can anyone suggest any good funds to consider please?
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registerme
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Post by registerme on Feb 11, 2019 14:55:32 GMT
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macq
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Post by macq on Feb 11, 2019 15:47:54 GMT
probably depends on how much your trying to get but there is the SPDR range of dividend Aristocrats ETF's or maybe look at some infrastructure funds (l have the L & G infrastructure index in a pension while not an ETF is pretty cheap) Could be worth looking at investment trusts as well as some are quite cheap and like ETF's can be held for a fixed fee on many platforms
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Post by dan1 on Feb 11, 2019 16:24:18 GMT
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JamesFrance
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Post by JamesFrance on Feb 11, 2019 17:26:17 GMT
Thankyou all for your suggestions, I have been handling my own investing since 1994 without the help of 'advisors' apart from while resident in France. I mainly bought investment trusts, but had to reinvest the peps and isas when we moved to France and ditched individual shares a long time ago. I am now looking at iWeb and have already planned to choose from the SPDR® S&P range and some of Vanguards, but am interested to look at other suggestions to diversify more. My risk apetite does not require bonds, so quite high.
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Post by Deleted on Feb 11, 2019 19:26:02 GMT
www.trustnet.com/ also has a good filter but it is hidden in Performance down the bottomm
I'd also look at Trusts, SRE, SSON, FGT, HVPE, TRIG are all looking good.
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j1
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Post by j1 on Feb 20, 2019 21:40:43 GMT
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JamesFrance
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Post by JamesFrance on Feb 21, 2019 16:36:46 GMT
In case it is of any interest to anyone here is what I chose, having finally managed to get accounts activated by iWeb which took 2 weeks, after returning to the UK. (they rejected copies of passports stamped by a well known financial advisor which were accepted elsewhere and French driving licenses because they don't show an expiry date, which is correct as they only have to be exchange for expiring ones in 2033, of course the markets rose during this time so this cost me a few thousand, thanks to politicians and a manager making things unnecessarily difficult)
I have now bought the following in roughly equal amounts:
Vanguard FTSE Developed Europe ex UK ETF (VERX) Vanguard FTSE 100 ETF (VUKE) Vanguard FTSE 250 ETF (VMID)
Vanguard FTSE All-World High Div Yld ETF (VHYL)
Vanguard FTSE All-World ETF (VWRL)
SPDR® S&P Global Div Aristocrats ETF (GBDV) SPDR® S&P Euro Dividend Aristocrats ETF (EUDV)
SPDR® S&P Emerging Markets Dividend ETF (EMDV) SPDR® S&P Pan Asia Div Aristocrats ETF (PADV) SPDR® S&P US Dividend Aristocrats ETF (USDV)
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JamesFrance
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Post by JamesFrance on Feb 21, 2019 17:54:43 GMT
I have now bought the following in roughly equal amounts:
Vanguard FTSE Developed Europe ex UK ETF (VERX) Vanguard FTSE 100 ETF (VUKE) Vanguard FTSE 250 ETF (VMID)
Vanguard FTSE All-World High Div Yld ETF (VHYL)
Vanguard FTSE All-World ETF (VWRL)
SPDR® S&P Global Div Aristocrats ETF (GBDV) SPDR® S&P Euro Dividend Aristocrats ETF (EUDV)
SPDR® S&P Emerging Markets Dividend ETF (EMDV) SPDR® S&P Pan Asia Div Aristocrats ETF (PADV) SPDR® S&P US Dividend Aristocrats ETF (USDV)
You probably won't want to hear this but the first thing that comes to my mind when I see that list is the word "overlap".
I haven't checked, just literally saying the first thing that came to my mind....
Quite happy to listen thanks. There is not full information easily available but certainly the largest 20 investments in the obviously similar funds are quite different and the global ones have very different country allocations. Looking for income there is bound to be overlap but I chose some similar type funds to compare their difference in performance and can easily change some at any time without much cost involved. They all seem to follow a large number of shares anyway.
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registerme
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Post by registerme on Feb 21, 2019 18:38:44 GMT
Thanks for the discussion chaps, I'm finding it interesting. And yep, the first thing that sprang to mind when I saw James' list was "Venn diagram time".
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macq
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Post by macq on Feb 21, 2019 19:43:17 GMT
In case it is of any interest to anyone here is what I chose, having finally managed to get accounts activated by iWeb which took 2 weeks, after returning to the UK. (they rejected copies of passports stamped by a well known financial advisor which were accepted elsewhere and French driving licenses because they don't show an expiry date, which is correct as they only have to be exchange for expiring ones in 2033, of course the markets rose during this time so this cost me a few thousand, thanks to politicians and a manager making things unnecessarily difficult)
I have now bought the following in roughly equal amounts:
Vanguard FTSE Developed Europe ex UK ETF (VERX) Vanguard FTSE 100 ETF (VUKE) Vanguard FTSE 250 ETF (VMID)
Vanguard FTSE All-World High Div Yld ETF (VHYL)
Vanguard FTSE All-World ETF (VWRL)
SPDR® S&P Global Div Aristocrats ETF (GBDV) SPDR® S&P Euro Dividend Aristocrats ETF (EUDV)
SPDR® S&P Emerging Markets Dividend ETF (EMDV) SPDR® S&P Pan Asia Div Aristocrats ETF (PADV) SPDR® S&P US Dividend Aristocrats ETF (USDV)
thanks for the update good to know the answer to the question - just out of interest did you consider an infrastructure ETF or even property to maybe soften the overlap?
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james100
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Post by james100 on Feb 21, 2019 20:08:02 GMT
Morningstar X-Ray as mentioned above is excellent and as well as analysing the heck out of your holdings for overlaps, geog, sectoral balance etc, allows you to backtest portfolio performance relative to a benchmark of your choosing over your pre-determined time period prior to spending any $. As well as standalone through MS, it's also comes with some brokerage platforms. A side comment JamesFrance would be that, just looking at your Vangaurd funds alone, the dividends are paid out in Euros (VERX) and USD (VWRL) as well as GBP. I seem to remember iweb only offers a GBP account and had fairly punitive forex charges, which will be applied every time they pay out a dividend (converted before being given to you in GBP).
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Post by dan1 on Feb 21, 2019 23:53:58 GMT
If memory serves, there used to be a tool called Morningstar X-Ray that was freely/cheaply available. You might want to think about it (or at least do a free trial), if it does what I think it did, then it might be a useful tool for you.
Not sure if it's what you were thinking of but I have used the free portfolio manager on Morningstar... www.morningstar.co.uk/uk/portfoliomanager/startYou'll need to create an account and input all of your investments. It's a little painful to input all of your investments etc but it does provide trailing performance (matches pretty well with my own records), and includes an X-Ray tab although at the time of writing it was giving me a page error. JamesFrance - I'm not too familiar with SPDR (more precisely S&P) but for Vanguard you can find the geographic breakdown of the indices in the factsheets available from... www.ftse.com/analytics/factsheets/Home/Search...and constituents & weights from.... www.ftse.com/analytics/factsheets/Home/ConstituentsWeightsThey're updated regularly which makes keeping track somewhat time consuming but on the plus side the time spent faffing with spreadsheets is time not spent churning your investments (and thereby reducing your returns!).
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JamesFrance
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Post by JamesFrance on Feb 22, 2019 8:14:45 GMT
thanks for the update good to know the answer to the question - just out of interest did you consider an infrastructure ETF or even property to maybe soften the overlap? There seemed to be little available in infrastructure ETFs using iWeb and I have the impression (maybe wrongly) that infrastructure will be well represented in high yielding funds already, utilities for example.
Property I decided against for now. In about 2000 I did very well by having my small private pension fund invested in property which held up well during the market decline then, when I took the pension in 2003 I chose units linked to the all share index which was then at the bottom so worked out well as the payments have risen of course. However my Luxembourg Assurance Vie contained a Global property securities fund which crashed during the crisis but never recovered so lost badly. I suspect that property could be due for another setback so am avoiding the area for now.
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JamesFrance
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Post by JamesFrance on Feb 22, 2019 8:31:06 GMT
If memory serves, there used to be a tool called Morningstar X-Ray that was freely/cheaply available. You might want to think about it (or at least do a free trial), if it does what I think it did, then it might be a useful tool for you.
Not sure if it's what you were thinking of but I have used the free portfolio manager on Morningstar... www.morningstar.co.uk/uk/portfoliomanager/startYou'll need to create an account and input all of your investments. It's a little painful to input all of your investments etc but it does provide trailing performance (matches pretty well with my own records), and includes an X-Ray tab although at the time of writing it was giving me a page error. JamesFrance - I'm not too familiar with SPDR (more precisely S&P) but for Vanguard you can find the geographic breakdown of the indices in the factsheets available from... www.ftse.com/analytics/factsheets/Home/Search...and constituents & weights from.... www.ftse.com/analytics/factsheets/Home/ConstituentsWeightsThey're updated regularly which makes keeping track somewhat time consuming but on the plus side the time spent faffing with spreadsheets is time not spent churning your investments (and thereby reducing your returns!). Thanks to all who posted analytical links which I will certainly explore. Quite good details of country and top 20 investments together with Morningstar ratings and details of past performance are available through iWeb for each ETF, so I have been making comparisons using those so far. I already have some good Investment Trusts which I bought in 1995 and have been providing steadily increasing dividends since then.
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