🚀 Get a welcome bonus of up to £50 when you sign up to Invest Engine Here: investengine.com/chrispalmer They are my top ISA & SIPP recommendation and the lowest cost way to buy Vanguard Index Funds. Their SIPP has also now launched which is huge - I'll be moving there shortly. (Terms and service conditions apply)
Just a few days ago signed up to Trading212 through your affiliate. Gonna get on InvestEngine too once a few invoices clear. Any word on how the welcome bonus works with IE?
Hi Chris, I'm tempted to move SIPP and ISA from Vanguard. My only sticking point will be drawdown as I'm 3 years away from accessing the pot. Are there any other downsides to IE SIPP?
@@andrewmatthews2138 Hi Andrew! Yeah it seems that is an issue. I don't think there's any others are far as I can see, but it is in it's early stages. I guess if there's anything in particular you'd need it to do in the short term. "InvestEngine SIPPs are designed for accumulation only at this time, meaning drawdowns cannot be actioned from investors' dashboards. However, we can facilitate this upon request. If you would like to request a drawdown from your SIPP account, please let us know by emailing support@investengine.com and we will assist you further." It may be worth putting the question to them?
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes...
@@ThamaraSchlossarek That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@ThamaraSchlossarek The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
As someone who deeply cares about the environment, ESG funds seem like a joke. The way our financial system is designed, these companies will never truly value sustainability. This is where the government needs to step in with sanctions and other regulatory practices. Divestment on an individual scale will have little to no impact, even if EVERY investor was on board.
I would just go for one ETF. The DEV Market ETF. Much cheaper than the total market global ETF with very similar performance. Avoiding EMs also reduces risk as they always crash the worst in a stock fall. And you also avoid most of the dictatorships that I would rather avoid.
At 16:15 you say the dividend VHYL has outperformed the VUKE. But, you're comparing two different currencies, dollars and pounds. In fact, VUKE at £12,704 (approx. $16,050) has outperformed VHYL at $14,986 (approx. £11,870).
I've got around a dozen Vanguard funds and interestingly the ESG funds (I have the ESG Developed World and all cap income/accumulation/GBP ones), have outperformed all of the others substantially over the past 12 months. They have returned well upwards of 20% sometimes pushing 30% over less than 12 months interestingly so it's a shame the ESG ones only make up 10% of my portfolio!
Yes they have by a significant margin - all the other funds in my Vanguard portfolio have been around 15-20% over the past 12 months (most of it is in non-ESG funds like VUSA and developed world ex-UK)@@chrispalmer24
@@billerator I think comparing the all cap it seems to have done better. Those funds must be quite noticeably different for that difference, although I am noticing ESG did +23% 2023 but -22% in 2022. I'm not sure that's better than +14% by the non-esg and -8% in 2022. You'd be looking at 6% vs 1% with those stats. The developed world one, non-ESG seems to have done better - but I don't think that's comparing like for like, it's like 2,000 vs 4,000 stocks. I think we really need more data on the ESG ones are they are just so new to do a full comparison perhaps.
No problem, do you mean a total portfolio update? I may do a SIPP one, it's quite niche so may perform poorly. I'll likely be doing a specific SIPP comparison soon so may bundle it all in to one.
@chrispalmer24 You do the monthly portfolio update anyway. I mean a video on different asset class allocation like Stocks, Index, Bonds, Gold, REITs, etc. % of portfolio. Like a 2024 refresh video for absolute beginner investors. Maybe it can turn into a series if you get adequate response?
Hi Chris, could you do a video on the sterling money market fund and how it works, as I’ve just added cash and it’s gone down, not sure if it’s because I added at wrong time but vanguard weren’t clear on their explanation and information I’ve researched is limited.
Im just about to invest tomorrow. Putting 5k in tomorrow then 300 a month.. im thinkinf of going for ftse all world, S&p 500, ftse 100, was going at 50%,40% and 10% respectively.. does this seem sensible.. 32 year old looking at long term investing 20 years plus
I’d take a look at my two fund strategy 👍 it’s on my channel, I wouldn’t go for S&P and all world as they overlap and I don’t go in to the UK but it’s up to you off the top of my head some funds have around 4% in
Hey I am a professional trader but now deciding to dip into the world of ETFs. It is difficult mentally to not look at charts. What's your fav Fund that doesn't have any sin stocks?
Hi Chris, thanks as always. Would you do a video on individual factors/ multifactor (size, value, quality, momentum) etfs? As there are few RUclipsrs I follow that are starting talking about this as a way to potentially outperform our bog(le) standard market cap weight global/s&p 500.
@@chrispalmer24 long term Chris, want to reach fiscal freedom 😉 Invesco FWRG is also on fire. Those 2 together have given me 7% growth/£800 in 3 months!
I'm with you in relation to VHVG, but the all time highs for many developed world funds make me consider holding off any major purchases until things settle down a little. What are your thoughts?
I guess it comes down to trying to time the market. Sometimes works in your favour for sure. I think if the plans to consistently keep investing, just keep going each month and don’t look. I’ll keep buying and buy through all the dips. I sort of see it like if it falls it’s a good chance to buy more for the future. I think you also need to be careful of not missing the best days of the market
There is always a slightly negative view on ESG funds in the wider investing market. I hold both an ESG S&P 500 and Emerging Markets fund in my ISA and both have out performed the equivalent Vanguard fund. I feel that over the next few years more and more people will start to switch to these ESG funds which I like to think means a more positive impact on the planet.
Hi Chris! Thank you so much for this video. I am investing in the VUAG / S&P 500 accum and when I check my account there is available cash on the vanguard platform… is this okay? Why is it there? Have I done something wrong setting it up? Any help would be appreciated :)
Hi Chris, great video! Could you offer some advice on how you actually manage your own ISA? Eg. how many funds is good to start with and when do you need to rebalance your portfolio?
Is it easy to change the phone number on your vanguard account over the phone? I’ve had to get a new number no way of retrieving the old one but since it sends a text code to get in your account I’ll need to change my number over the phone 😬 hoping it is easy to do
Honestly I wouldn’t. Go to a really broad fund for the safest bet. That’s what I do. You can either go developed world or something like all world or all cap which is even broader. All they’ll do is make you something similar and charge you a fee for doing so. Most of the time they under perform it too
@@chrispalmer24thanks Chris, that’s great advice -> do you have any videos for beginners like myself? I want to invest £300 - £500 per month & have it patiently grow over the long term -> be great to know what safe investments to make, how to allocate the budget, etc
great video, what's your POV on Tech ETF funds, for example Vanguard Information Technology ETF (VGT) performs very well.... would be for investing for 5-10 years approx. thx
They are good but think it's putting all of your eggs in one basket. My top holding is 60% US and 25% in tech - My top stocks are all the big seven anyway. I think tech could be due for a drop in the next 5-10 personally, but we'll see! It's super high right now
Super high right now looking backwards, looking back in ten years from now it could be just the start of the upward curve though. With artificial intelligence and other technological breakthroughs who knows.
Genuine question, these EFT and recommendations, how do they compare to say Aus where I am now, Reason to say, the same you tube content but with Aus VAS/VEGS stock are being recommended. Being dual nationality with the ability to purchase either etf, what makes the FTSE version better than the ASX version regarding Vanguard offerings?
Hey Matt, they are pretty much denominated in different currencies. But each country will have very similar funds. So you would just need to pick up the Aus version, it’s hard for me when I first started I listed all but it’s so much work I’ve ended up just listing the UK ones
Why risk buying into the Market, when only a few shares are moving. Cash is 5%, the first £1000,00 is tax free, plus Isa's. Wait for the next crash and buy in the fall. As the election is reportedly to be October 24, it could be another flat year for investors.
This 90% Dev Market and 10% EM Market split into two funds makes sense and lowers fees. But if the EM market share increases you will then have to change the % market split and keep doing it so this might become a nuisance although maybe it won’t change too much on an annual basis. The advantage of a global ETF is that there is no need to worry about this as the allocation is automated, albeit with higher fees. Or just drop the EM share and just buy the DEV Market ETF. Another, perhaps infrequent problem is the content of the two ETFs in terms of countries. So if an EM Country becomes developed then you would have to change your allocation. So the two ETF model works well but isn’t entirely free of having to adjust it. And you also mention rebalancing which makes sense between Equities and Bonds to achieve a fixed bond % for risk control. But why balance between DEV and EM markets ? If one grows faster than the other then shouldn’t you accept that as the correct allocation ? Because if EM markets was 40 % of the total right now you would argue , I assume, for a 60/40 split ? Personally I would go for one of the global ETFs and swallow the extra charges to stop myself from constantly tampering with the allocations
It’s worth having a few etfs in your portfolio. I hold S&P 500, ftse all world, and the ftse100. My S&P pot is biggest. I’m very happy with the returns
Hi Chris, thank you for the very informative video. I have ETF's that I invest in monthly automatically, my question is how do you manage the surplus cash you have left over each month? I leave a certain amount to cover fees etc, but I always feel like it's inefficient and that perhaps there's a better way of managing this? If I had mutual funds this wouldn't be a problem, but the funds I prefer are all ETF's!
@@chrispalmer24 Hi Chris. Thanks for responding. Am 54yrs, just having 1st child, planning on retiring in 5yrs. Already have x Fixed Rate Isa's as well as the Life Strategy. Paying into a pension plus have emergency fund.
I want to invest in Global Equities ex Uk (unhedged). Which fund is that on Vanguard or elsewhere? Or say a 70/30 split 70:global equities ex uk and 30 aggregate bonds. Any ideas
I have a friend who lives in Dubai and wants to invest in SMP500, but Vanguard (and a few other platforms I use) do not operate there. Any suggestions?
Just because Vanguard is so popular and people want to know the best funds. I may do one on alternatives to be honest that's on my list. I own HSBC All World actually in my Lifetime ISA - I'm having to sell it isn't an ETF and the platform fee is too expensive for it 😔 it's up 16% too which is annoying
Hi Chris, great video. I have two vanguard funds both are high equity global funds. Can you tell me, if they "track" the top 500 companies in America, does this mean the fund manager realocates funds to the new companies entering the top 500, as the companies in the top 500 list changes ?
Hi mate - it's because of the maths behind it. Have a look at 12:52. You only pay 0.22% fee on 10% of the total, the other 90% is 0.12%, the 10% that's charged at 0.22% makes the average for both combined to around 13% (bumps it up slightly)
🚀 Get a welcome bonus of up to £50 when you sign up to Invest Engine Here: investengine.com/chrispalmer They are my top ISA & SIPP recommendation and the lowest cost way to buy Vanguard Index Funds. Their SIPP has also now launched which is huge - I'll be moving there shortly. (Terms and service conditions apply)
Just a few days ago signed up to Trading212 through your affiliate. Gonna get on InvestEngine too once a few invoices clear. Any word on how the welcome bonus works with IE?
Hi Chris, I'm tempted to move SIPP and ISA from Vanguard. My only sticking point will be drawdown as I'm 3 years away from accessing the pot. Are there any other downsides to IE SIPP?
@@andrewmatthews2138 Hi Andrew! Yeah it seems that is an issue. I don't think there's any others are far as I can see, but it is in it's early stages. I guess if there's anything in particular you'd need it to do in the short term.
"InvestEngine SIPPs are designed for accumulation only at this time, meaning drawdowns cannot be actioned from investors' dashboards. However, we can facilitate this upon request.
If you would like to request a drawdown from your SIPP account, please let us know by emailing support@investengine.com and we will assist you further."
It may be worth putting the question to them?
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes...
@@ThamaraSchlossarek That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@AlilatTiamiyu My advisor is *MARGARET MOLLI ALVEY*
@@AlilatTiamiyu You can look her up online
@@ThamaraSchlossarek The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
Really interesting video, especially the consideration about dividends - thanks!
Loved the video. Can you make a video with more detail on the emerging markets? That would be awesome :D.
Great idea thanks!
As someone who deeply cares about the environment, ESG funds seem like a joke. The way our financial system is designed, these companies will never truly value sustainability. This is where the government needs to step in with sanctions and other regulatory practices. Divestment on an individual scale will have little to no impact, even if EVERY investor was on board.
Really loved this video, thanks Chris!
Such a useful video, thank you
I would not entertain a ESG fund.
Where are VAFTGAG, VDWXEIA available ? Can't see them on either IE, Freetrade or T212 ?
I would just go for one ETF. The DEV Market ETF. Much cheaper than the total market global ETF with very similar performance. Avoiding EMs also reduces risk as they always crash the worst in a stock fall. And you also avoid most of the dictatorships that I would rather avoid.
At 16:15 you say the dividend VHYL has outperformed the VUKE. But, you're comparing two different currencies, dollars and pounds. In fact, VUKE at £12,704 (approx. $16,050) has outperformed VHYL at $14,986 (approx. £11,870).
Talking about percentage increase n decrease not in terms of fiat gains
Informative video Chris. Thanks.
Thanks John
I've got around a dozen Vanguard funds and interestingly the ESG funds (I have the ESG Developed World and all cap income/accumulation/GBP ones), have outperformed all of the others substantially over the past 12 months. They have returned well upwards of 20% sometimes pushing 30% over less than 12 months interestingly so it's a shame the ESG ones only make up 10% of my portfolio!
That's really interesting. Have your ESG versions out performed the non-ESG counterparts?
Yes they have by a significant margin - all the other funds in my Vanguard portfolio have been around 15-20% over the past 12 months (most of it is in non-ESG funds like VUSA and developed world ex-UK)@@chrispalmer24
Yes noticeably so
@@billerator I think comparing the all cap it seems to have done better. Those funds must be quite noticeably different for that difference, although I am noticing ESG did +23% 2023 but -22% in 2022. I'm not sure that's better than +14% by the non-esg and -8% in 2022. You'd be looking at 6% vs 1% with those stats.
The developed world one, non-ESG seems to have done better - but I don't think that's comparing like for like, it's like 2,000 vs 4,000 stocks.
I think we really need more data on the ESG ones are they are just so new to do a full comparison perhaps.
Are ESG fees high ?
I would not invest in China on principle.
Good 4 u
China is actually run continuously on a loss and continuing to devalue
Thanks for the video!
Can you please make a video for various asset allotment - (your personal opinion)?
Also, awaiting Investengine SIPP Video.
No problem, do you mean a total portfolio update? I may do a SIPP one, it's quite niche so may perform poorly. I'll likely be doing a specific SIPP comparison soon so may bundle it all in to one.
@chrispalmer24 You do the monthly portfolio update anyway.
I mean a video on different asset class allocation like Stocks, Index, Bonds, Gold, REITs, etc. % of portfolio.
Like a 2024 refresh video for absolute beginner investors. Maybe it can turn into a series if you get adequate response?
Hi Chris, could you do a video on the sterling money market fund and how it works, as I’ve just added cash and it’s gone down, not sure if it’s because I added at wrong time but vanguard weren’t clear on their explanation and information I’ve researched is limited.
Im just about to invest tomorrow. Putting 5k in tomorrow then 300 a month.. im thinkinf of going for ftse all world, S&p 500, ftse 100, was going at 50%,40% and 10% respectively.. does this seem sensible.. 32 year old looking at long term investing 20 years plus
I’d take a look at my two fund strategy 👍 it’s on my channel, I wouldn’t go for S&P and all world as they overlap and I don’t go in to the UK but it’s up to you off the top of my head some funds have around 4% in
Hey I am a professional trader but now deciding to dip into the world of ETFs. It is difficult mentally to not look at charts. What's your fav Fund that doesn't have any sin stocks?
How about investment trusts? I am after income due to imminent retirement
Hi Chris, thanks as always. Would you do a video on individual factors/ multifactor (size, value, quality, momentum) etfs? As there are few RUclipsrs I follow that are starting talking about this as a way to potentially outperform our bog(le) standard market cap weight global/s&p 500.
Don't do them, you'll regret it
Chris, the VUAG S&P 500 is on 🔥 atm. Gained 1% today alone, 8%+ in last 2 months 🙂
It sure is! Are you thinking of keeping it long term, or taking some of the profit?
@@chrispalmer24 long term Chris, want to reach fiscal freedom 😉 Invesco FWRG is also on fire. Those 2 together have given me 7% growth/£800 in 3 months!
Good video
I'm with you in relation to VHVG, but the all time highs for many developed world funds make me consider holding off any major purchases until things settle down a little. What are your thoughts?
I guess it comes down to trying to time the market. Sometimes works in your favour for sure. I think if the plans to consistently keep investing, just keep going each month and don’t look. I’ll keep buying and buy through all the dips. I sort of see it like if it falls it’s a good chance to buy more for the future. I think you also need to be careful of not missing the best days of the market
Trying to time the market is a fools game.
The market constantly hits record highs and will always continue to do so over time.
UCITS is pronounced You-sits 😊
I daren’t look back at how many different ways I’ve said it in this 😂
There is always a slightly negative view on ESG funds in the wider investing market. I hold both an ESG S&P 500 and Emerging Markets fund in my ISA and both have out performed the equivalent Vanguard fund. I feel that over the next few years more and more people will start to switch to these ESG funds which I like to think means a more positive impact on the planet.
Just starting out and this video was extremely informative and helpful, thank you. Looking forward to viewing your previous and future content.
Well done Chris, very clear and to the point!
Thanks Russ
Hi Chris! Thank you so much for this video. I am investing in the VUAG / S&P 500 accum and when I check my account there is available cash on the vanguard platform… is this okay? Why is it there? Have I done something wrong setting it up? Any help would be appreciated :)
Hmm is it tax relief maybe? Or interest on cash you had? Or perhaps left over from now it’s been invested? They would be my best guesses 🙂
Helpful. Thanks
Hi Chris, great video! Could you offer some advice on how you actually manage your own ISA? Eg. how many funds is good to start with and when do you need to rebalance your portfolio?
Is it easy to change the phone number on your vanguard account over the phone? I’ve had to get a new number no way of retrieving the old one but since it sends a text code to get in your account I’ll need to change my number over the phone 😬 hoping it is easy to do
Please what's the difference between Vanguard VUAG and VUSA
Chris, would you recommend a vanguard managed account? I honestly just want to put in the cash & not stress about where to allocate it
Honestly I wouldn’t. Go to a really broad fund for the safest bet. That’s what I do. You can either go developed world or something like all world or all cap which is even broader. All they’ll do is make you something similar and charge you a fee for doing so. Most of the time they under perform it too
@@chrispalmer24makes sense, thanks Chris!
@@chrispalmer24thanks Chris, that’s great advice -> do you have any videos for beginners like myself? I want to invest £300 - £500 per month & have it patiently grow over the long term -> be great to know what safe investments to make, how to allocate the budget, etc
Yes, I think he's right, but it's not advice, he's not qualified to give advice, it's just his personal opinion.
hi chris is there any difference between the FTSE Developed World ex-U.K. Equity Index Fund and the FTSE Developed World UCITS ETF
Hey Billy it’s just the “ex-UK” meaning excluded UK the other should have about 4% UK in it 👍
@ so the one including the UK is probably better to go with as you get the best of both worlds
@ also question number 2 sorry.Why haven’t you invested in the S&P….is that because the developed world has better expedited returns?
great video, what's your POV on Tech ETF funds, for example Vanguard Information Technology ETF (VGT) performs very well.... would be for investing for 5-10 years approx. thx
They are good but think it's putting all of your eggs in one basket. My top holding is 60% US and 25% in tech - My top stocks are all the big seven anyway. I think tech could be due for a drop in the next 5-10 personally, but we'll see! It's super high right now
Super high right now looking backwards, looking back in ten years from now it could be just the start of the upward curve though. With artificial intelligence and other technological breakthroughs who knows.
Genuine question, these EFT and recommendations, how do they compare to say Aus where I am now, Reason to say, the same you tube content but with Aus VAS/VEGS stock are being recommended. Being dual nationality with the ability to purchase either etf, what makes the FTSE version better than the ASX version regarding Vanguard offerings?
Hey Matt, they are pretty much denominated in different currencies. But each country will have very similar funds. So you would just need to pick up the Aus version, it’s hard for me when I first started I listed all but it’s so much work I’ve ended up just listing the UK ones
Why risk buying into the Market, when only a few shares are moving. Cash is 5%, the first £1000,00 is tax free, plus Isa's. Wait for the next crash and buy in the fall. As the election is reportedly to be October 24, it could be another flat year for investors.
Problem is how much would you have missed out on the last 3 months when the market had done incredible waiting for the right time
Should I pay tax to USA government after I pass away?
This 90% Dev Market and 10% EM Market split into two funds makes sense and lowers fees. But if the EM market share increases you will then have to change the % market split and keep doing it so this might become a nuisance although maybe it won’t change too much on an annual basis.
The advantage of a global ETF is that there is no need to worry about this as the allocation is automated, albeit with higher fees. Or just drop the EM share and just buy the DEV Market ETF.
Another, perhaps infrequent problem is the content of the two ETFs in terms of countries. So if an EM Country becomes developed then you would have to change your allocation.
So the two ETF model works well but isn’t entirely free of having to adjust it. And you also mention rebalancing which makes sense between Equities and Bonds to achieve a fixed bond % for risk control. But why balance between DEV and EM markets ? If one grows faster than the other then shouldn’t you accept that as the correct allocation ? Because if EM markets was 40 % of the total right now you would argue , I assume, for a 60/40 split ?
Personally I would go for one of the global ETFs and swallow the extra charges to stop myself from constantly tampering with the allocations
Which would be better to focus on investing, s and p 500 or ftse all world or do i do both and if so what do i invest more in
It’s worth having a few etfs in your portfolio. I hold S&P 500, ftse all world, and the ftse100. My S&P pot is biggest. I’m very happy with the returns
Hi Chris, thank you for the very informative video. I have ETF's that I invest in monthly automatically, my question is how do you manage the surplus cash you have left over each month? I leave a certain amount to cover fees etc, but I always feel like it's inefficient and that perhaps there's a better way of managing this? If I had mutual funds this wouldn't be a problem, but the funds I prefer are all ETF's!
Hi. Is VWRP worth having alongside Vanguard Life Strategy 60 ? Thanks
Hi David are you close to retirement? Depends on your goals for accumulation I prefer VWRP
@@chrispalmer24 Hi Chris. Thanks for responding. Am 54yrs, just having 1st child, planning on retiring in 5yrs. Already have x Fixed Rate Isa's as well as the Life Strategy. Paying into a pension plus have emergency fund.
Guys using platform like 212,Plus500 & invest engin or Etoro are safe for trading?
ty
I want to invest in Global Equities ex Uk (unhedged). Which fund is that on Vanguard or elsewhere? Or say a 70/30 split 70:global equities ex uk and 30 aggregate bonds. Any ideas
Chris what phone are you rocking mate?
Only a iPhone 14 Pro - my last update was the 10 before it I try to hold them as long as I can and buy them outright to save money
I have a friend who lives in Dubai and wants to invest in SMP500, but Vanguard (and a few other platforms I use) do not operate there. Any suggestions?
How come you’ve focused on Vanguard rather than HSBC All World with a fee of 0.13% for example? Just curious
Just because Vanguard is so popular and people want to know the best funds. I may do one on alternatives to be honest that's on my list. I own HSBC All World actually in my Lifetime ISA - I'm having to sell it isn't an ETF and the platform fee is too expensive for it 😔 it's up 16% too which is annoying
@@chrispalmer24 thanks for the reply. 16% is crazy.
Wait HSBC has a 16% fee. Can’t be right.
Think he means returns
@@chrispalmer24 which platform do you use for HSBC ALL World?
Hi Chris, great video. I have two vanguard funds both are high equity global funds.
Can you tell me, if they "track" the top 500 companies in America, does this mean the fund manager realocates funds to the new companies entering the top 500, as the companies in the top 500 list changes ?
Can someone ELI5 how investing in those two funds with a total fee of 34% will come to around 13% in fees if split 90-10?
Hi mate - it's because of the maths behind it. Have a look at 12:52. You only pay 0.22% fee on 10% of the total, the other 90% is 0.12%, the 10% that's charged at 0.22% makes the average for both combined to around 13% (bumps it up slightly)
Hey what website do you use to compare multiple ETFs on the same graph?