Does it come as a surprise that I've selected this one ETF? Thank you all so much for taking the time to write such fantastic comments. I've really enjoyed reading them and hearing more about your investments. As always, I wish you all the best with your investments :)
Yes it does a bit, I was discussing income generating investments with a friend yesterday. Our conclusion was that if the investment is in an ISA or SIPP it really doesn't matter a great deal if you generate income as long as your total return is maximised. Even outside a wrapper tortal return is better than income as for the moment at least CGT if payable is lower than income tax. Many income funds sacrifice performance for yield and this is harmful over the longer term. Commissions are now so low or even nil so simply selling some stock is a better outcome if you need a withdrawal. The diversity argument is also one we considered, as 65% of this etf is US and if the US catches a cold the rest of the world gets flu, we weren't sure the lost performance was neccessarily worth it. For a younger investor it definitely isn't. Like the videos and have IITU!
Thanks for taking the time to make the video, I have the vanguard all world on trading 212, I like the fact you can just set it & forget it & not think about buying/selling stocks.
Piling up on FWRG 👍😁 I've recently picked this as core stock for capital accumulation, along with my already established BRK.B position. Still a long way to go, now the allocation is just under 5%.
@@carlyndolphin It is risky, yes. However, I don't expect the stock to crash & burn when Buffett will pass away, tank for a few months certainly yes. De facto Abel and Jain have being running the business for a while now, no surprise for the large institutional investors.
Hi Rachael. One thing I don’t think is spoken about enough is the effect of exchange rates on returns. Let’s take VWRL as an example. I like to use justETF to analyse ETF’s and if you look at the 1 yr, 3 yr and 5 yr performance of VWRL in USD and then in GBP you can see big differences. Over 5 years the return is 57% in GBP and 66% in USD. However, over 3 years the return is 22% in GBP and only 15% in USD. The point I am trying to make is that the exchange rate when you buy your ETF will have a big impact on your long term returns. So anyone who sold USD ETF’s when Liz Truss tanked the rate to £1=$1.07 made a killing but if you bought at the same time a lot of your GBP gains will have disappeared in FX losses now we are up to £1= $1.3. Worth a separate video to discuss this I think?
I am invested in INVESCO FTWG but in this video it refers to INVESCO FWRG. Both are all world etf’s but being new to investing I would like to know the difference.
Hi Steve, Thank you so much for watching and for your comment. The FTWG version is the income generating ETF so any dividends will be paid out to you. However, the FWRG version I refer to in this video is the accumulating version of this ETF which means that any dividends are reinvested. I hope that helps and i wish you all the best on your investing journey.
Although it's not all world, I would recommend LGGG over the ivesco or vanguard all world ETFs based on its significantly higher performance and lower fees.
what is the annual rate of return for these over ten years? Be interesting to mention the ARR of the different investments so we can compare more easily and have an idea how they compare to fixed interest too. Thanks keep up the good work!
Thank you so much for watching David and for your question too. 10 year annualised returns for VWRL are currently sitting at 10.80%. Wishing you all the very best.
Interested to hear why you consider this to be best allocation. Although FTSE has many global companies in it, the S&P and Nasdaq have potential for faster grwoth.
Thank you. I am considering Invesco, too. However, it doesn't have exposure to small-cap. Do you invest in a small-cap ETF separately, for diversification?
Thank you, Rachel. I'm a student and currently investing in the Vanguard FTSE All-World. I don't understand why you prefer the Invesco FTSE All-World. Yes, it only costs 0.15%, but it contains only 2,600 stocks, while the Vanguard ETF includes 3,700. For me, this diversification is much more important than the 0.07% lower fees of the Invesco ETF. What do you think about that? I enjoy watching your videos and improving both my financial knowledge and language skills. Greetings from Germany. :)
I can't buy ETFs in my ISA so to buy outside a tax shield I would pay very high tax. could you advise on Just Funds ( not indexFunds) which ones would be best
Vwrl is too expensive , long overdue for a price drop. Most people will do better in a single global tracker than a diy etf portfolio over long term. Invest engine etc just encourage recreational investing, 600 etfs = 599 ways to lose money. Just take the global index. You can’t pick funds just like I can’t blend whisky !
Thanks so much for watching and for your comment too. Yes, I’m invested in the Invesco FTSE All-World, which is cheaper than VWRL at 0.15% vs. 0.22%. Have a great evening.
Great vid! I’m considering changing from VWRP to FWRG, my concern is the invesco version is based in USD, despite the lower fees, also is there anything to consider with moving big chunk of money from one fund to another, even if they track the same index?
@@willadye737 FWRG trades in gbp, you want to avoid the FWRA version which is usd. I wouldn’t move out Vwrp to FWRG unless you have a big sums , that 0.07% pa just isn’t worth it. I just wouldn’t buy it if I was starting now. Same index , same performance. Moving would incur fund manager sell and buy transaction fees so do your maths before. I moved 5-6 figure sums no problem. I prefer a single developed world and keep EM etc separate. I’m 95% VHVG. Even if EM massively outperform, so small to be relevant.
FWRG is on the London stock exchange and its shares are priced in pence instead of pounds. If you have already invested in a global fund, I would personally leave it and start investing in FWRG going forward.
Thanks for your comment Philip. The video focuses on a FTSE All-World ETF, which I do have a position in. As explained in the video I chose to invest in the Invesco FTSE all world ETF over the Vanguard ETF as the fees are cheaper. I’ve given the information for both. However, the Invesco ETF has only been established for just over a year so I’ve included information from the Vanguard All-World alternative which has been established since 2012. I’m definitely not recommending you invest in either ETF, I’m simply sharing information. Have a lovely evening and all the best with your investments.
Does it come as a surprise that I've selected this one ETF?
Thank you all so much for taking the time to write such fantastic comments. I've really enjoyed reading them and hearing more about your investments. As always, I wish you all the best with your investments :)
Yes it does a bit, I was discussing income generating investments with a friend yesterday. Our conclusion was that if the investment is in an ISA or SIPP it really doesn't matter a great deal if you generate income as long as your total return is maximised. Even outside a wrapper tortal return is better than income as for the moment at least CGT if payable is lower than income tax. Many income funds sacrifice performance for yield and this is harmful over the longer term. Commissions are now so low or even nil so simply selling some stock is a better outcome if you need a withdrawal. The diversity argument is also one we considered, as 65% of this etf is US and if the US catches a cold the rest of the world gets flu, we weren't sure the lost performance was neccessarily worth it. For a younger investor it definitely isn't.
Like the videos and have IITU!
@@creatingbalancefinance no I’ve always held this etf on vanguard and it’s always preformed very well
This is the best channel for your future investment, that’s the best and easy way to explain , Best wishes
Thanks for taking the time to make the video, I have the vanguard all world on trading 212, I like the fact you can just set it & forget it & not think about buying/selling stocks.
Yes exactly!! Trading 212 is great too. Thank you so much for your kind comment and for taking the time to watch 👍
Clear and user friendly info! Great video
Thank you so much!!!
Really helpful. Thankyou.
Thank you so much! I'm pleased you found the video helpful. Wishing you all the very best with your investments.
Great video. Simple and well explained for someone like me. 🙌
I'm so pleased you enjoyed the video and I really appreciate your kind comment. I wish you all the very best with your investments.
This is a really great channel, I should have discovered it sooner.
That’s so kind of you to say. Thanks Steve!
Piling up on FWRG 👍😁 I've recently picked this as core stock for capital accumulation, along with my already established BRK.B position. Still a long way to go, now the allocation is just under 5%.
Thank you so much for sharing. It sounds like it’s going well. Wishing you all the very best with your investments into the future 😊👍
Too risky now that Warren is 90.
@@carlyndolphin It is risky, yes. However, I don't expect the stock to crash & burn when Buffett will pass away, tank for a few months certainly yes. De facto Abel and Jain have being running the business for a while now, no surprise for the large institutional investors.
Hi Rachael. One thing I don’t think is spoken about enough is the effect of exchange rates on returns. Let’s take VWRL as an example. I like to use justETF to analyse ETF’s and if you look at the 1 yr, 3 yr and 5 yr performance of VWRL in USD and then in GBP you can see big differences. Over 5 years the return is 57% in GBP and 66% in USD. However, over 3 years the return is 22% in GBP and only 15% in USD. The point I am trying to make is that the exchange rate when you buy your ETF will have a big impact on your long term returns. So anyone who sold USD ETF’s when Liz Truss tanked the rate to £1=$1.07 made a killing but if you bought at the same time a lot of your GBP gains will have disappeared in FX losses now we are up to £1= $1.3. Worth a separate video to discuss this I think?
Definitely worth a separate video and a brilliant point. Much appreciated Peter 😊👍
I am invested in INVESCO FTWG but in this video it refers to INVESCO FWRG. Both are all world etf’s but being new to investing I would like to know the difference.
Hi Steve, Thank you so much for watching and for your comment. The FTWG version is the income generating ETF so any dividends will be paid out to you. However, the FWRG version I refer to in this video is the accumulating version of this ETF which means that any dividends are reinvested.
I hope that helps and i wish you all the best on your investing journey.
Although it's not all world, I would recommend LGGG over the ivesco or vanguard all world ETFs based on its significantly higher performance and lower fees.
Thank you so much! I’m looking into it. Have a great day 😊👍
Great job on this video 😊
Thank you so much Paul I really do appreciate your comment 👍😊
what is the annual rate of return for these over ten years? Be interesting to mention the ARR of the different investments so we can compare more easily and have an idea how they compare to fixed interest too. Thanks keep up the good work!
Thank you so much for watching David and for your question too. 10 year annualised returns for VWRL are currently sitting at 10.80%.
Wishing you all the very best.
Thank you for another great video.
Thank you so much! I appreciate it!
Best asset allocation is
80% FTSE All World
15% gold
5% cash
Thank you so much for your comment 👍 do you invest in a gold ETF? Wishing you all the best with your investments 😊
@@creatingbalancefinance I invest in Invesco SGLP.
@@creatingbalancefinance I’m invested in Invesco SGLP.
Interested to hear why you consider this to be best allocation. Although FTSE has many global companies in it, the S&P and Nasdaq have potential for faster grwoth.
Thanks so much for sharing
Thank you. I am considering Invesco, too. However, it doesn't have exposure to small-cap. Do you invest in a small-cap ETF separately, for diversification?
Great one!
Thank you so much!
the TER is better on Invesco but the spread is usually a bit higher, is it still better?
Thanks Rachel. 👍
Thank you so much for your comment 👍 have a great evening 😊
Did you see the vanguard project returns for 10 year annalized nominal return volatility forecast? You should do a video.
Thank you so much. What a brilliant idea. Have a great day 👍
What are the expectations of the VWCE returns and its liquidity in a decade or two ?
Brilliant Thankyou
Thank you so much Chris! I appreciate your comment 😊
How much shares do you have in the invesco?
Thanks.
Thank you so much!
Thoughts on the HSBC FTSE All World Index Fund? OCF is 0.12%
Thank you, Rachel. I'm a student and currently investing in the Vanguard FTSE All-World. I don't understand why you prefer the Invesco FTSE All-World. Yes, it only costs 0.15%, but it contains only 2,600 stocks, while the Vanguard ETF includes 3,700. For me, this diversification is much more important than the 0.07% lower fees of the Invesco ETF. What do you think about that?
I enjoy watching your videos and improving both my financial knowledge and language skills. Greetings from Germany. :)
Invesco FTSE All-World UCITS ETF contains over 4000 stocks
Thanks
Thank you so much!
Well done
Thank you so much Stephen 👍😊
Brilliant
Thank you so much!
Priw for the win with a 0.05pc charge.
I can't buy ETFs in my ISA so to buy outside a tax shield I would pay very high tax. could you advise on Just Funds ( not indexFunds) which ones would be best
Thank you so much for your comment. Are only actively managed funds available to you on your platform?
Vwrl is too expensive , long overdue for a price drop. Most people will do better in a single global tracker than a diy etf portfolio over long term. Invest engine etc just encourage recreational investing, 600 etfs = 599 ways to lose money. Just take the global index. You can’t pick funds just like I can’t blend whisky !
Thanks so much for watching and for your comment too. Yes, I’m invested in the Invesco FTSE All-World, which is cheaper than VWRL at 0.15% vs. 0.22%.
Have a great evening.
Great vid! I’m considering changing from VWRP to FWRG, my concern is the invesco version is based in USD, despite the lower fees, also is there anything to consider with moving big chunk of money from one fund to another, even if they track the same index?
@@willadye737 FWRG trades in gbp, you want to avoid the FWRA version which is usd. I wouldn’t move out Vwrp to FWRG unless you have a big sums , that 0.07% pa just isn’t worth it. I just wouldn’t buy it if I was starting now. Same index , same performance. Moving would incur fund manager sell and buy transaction fees so do your maths before. I moved 5-6 figure sums no problem. I prefer a single developed world and keep EM etc separate. I’m 95% VHVG. Even if EM massively outperform, so small to be relevant.
FWRG is on the London stock exchange and its shares are priced in pence instead of pounds.
If you have already invested in a global fund, I would personally leave it and start investing in FWRG going forward.
You’re recommend we invest in an ETF that you don’t have a position on. Yeah, no.
Thanks for your comment Philip. The video focuses on a FTSE All-World ETF, which I do have a position in. As explained in the video I chose to invest in the Invesco FTSE all world ETF over the Vanguard ETF as the fees are cheaper. I’ve given the information for both. However, the Invesco ETF has only been established for just over a year so I’ve included information from the Vanguard All-World alternative which has been established since 2012. I’m definitely not recommending you invest in either ETF, I’m simply sharing information.
Have a lovely evening and all the best with your investments.