Is there any harm to this approach at all ? However, they choose to have a greater weighting towards the UK in the LifeStrategy funds as they think that is what investors will prefer. If you do a comparison of the VLS 80 fund to the Vanguard Global All Cap or similar global fund you'll see that it rises and falls pretty much exactly the same as the VLS80 does and the … This article will aim to broadly assess the similarities, differences and strategies that both funds take to hopefully clear up the confusion about which may be better for a UK investor to include in their portfolio. […] Dr Fire compares LifeStrategy 100 and the FTSE Global All Cap (36) […]. Why do the portfolios have more allocated to the UK market? LS100 is a fund of funds. From here on in im investing in VUSA as that is where the best returns seem to be. When I say bonds, I specifically have this in mind, from Vanguard – https://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=F000003VEC. You have just two funds to consider which makes life easier. You could do some deep dive research and work this out manually if you had the time or the energy, but I personally wouldn't bother with that – unless you're a real stats nerd that is. Actions. Glad to hear you’re enjoying the content! You do however accept that this will not be consistent year on year – some years will be +25% and others -32% (to pluck some random figures!). This gives the Global All Cap Fund an apples to apples tracking error of 0.3% – a perfect tracking error score would be 0%. The FTSE Global All Cap Index Fund tracks the FTSE Global All Cap Index, so it is against this benchmark we must measure its performance. I may well have made a mistake somewhere. It really depends, why did you choose these two funds? This is just provided for general info. The FTSE 100 make their money globally not solely in the UK. However, as I’m 40 and plan to remain in the market for at least 2 decades I’m leaning more to a 90/10 split. This is all just the result of me reading and collating info from various sources. The exact composition of the portfolio can be found on Vanguard’s website. In other words, Vanguard think it is better to hold a hold a diversified portfolio that accurately reflects the global market cap. The UK has a market cap of roughly 4-5%, whereas the US has a market cap of roughly 50%. Given all the data, I’d be inclined to agree and would be happy to say All Cap is tracking its index very reliably thus far. These two interesting bits of research (Role of home bias and Case for global equities) by Vanguard show that a home bias for UK investors doesn’t actually translate to more meaningful returns or more stability. Invest in popular Vanguard products like LifeStrategy and Target Retirement Funds or access unique funds targeting specific markets. Interesting to hear. bc1qk6ghr8sjhgcgg6pwqspm3mtfgkgd4g8wpwwxn3. The best was GSK, the worst end of 2019 ftse 100 tracker which was a tragic buy! The exact composition of the fund is available on Vanguard’s website. Unlike FTSE All Cap, LS100 doesn’t have a single benchmark we can use to evaluate it with. It has an OCF of 0.23%. The GAC seeks to accurately reflect this, whereas the LS100 does not. Great points and plenty of food for thought. For this reason, hedging against currency for long term investments (be this a hedge through a home bias or a hedge by trading foreign assets) is pretty moot! If you find that you agree with the strategy and it suits your own needs, copying this may work just fine. 2) Most people are already over exposed to the country that they live in – the job they work in is dependent on the country doing well, their house price is dependent on the local economy, etc. From my basic understanding (as very new to this world of investing), the turnover rate of 55% does not necessarily project negatively on the All Cap? Global Large-Cap Blend Equity: IMA sector: Global: Launch date: 23 Jun 2011: Price currency: GBP: Domicile: United Kingdom: ISIN: GB00B545NX97: Manager & start date: Not Disclosed. However if you wanted a split other than those offered by LS funds then you end up buying more than one fund anyway; GAC +/- a bond fund seems a more robust and flexible way forward for us. You’ll have to vaguely pay attention, to make sure the asset allocation doesn’t stray too far off course. Vanguard designed the LS funds as a ‘portfolio in a box’ choice for the more ‘hands off’ investor; simply pick an asset allocation, set it and forget it. The fund seeks to track the performance of the FTSE Global All Cap Index. For this reason I believe we are comparing apples to kangaroos and it makes the fund hard to analyse using this metric outside of Vanguard's bubble. I have undertaken countless hours of research to ensure my articles are backed up with facts, figures and accurate numbers. And a colleague at work already has the Life Strategy 100 so interesting to see the difference. In reality the UK has historically matched very closely with the rest of the world (about 6% real return for the past century) so the truth is it probably doesn’t matter. Vanguard do not charge a commission on trades so you could freely switch your LS100 holdings into FTSE Global All Cap. The LifeStrategy fund has no benchmark. It has an ongoing charge (OCF) of 0.22%. Vanguard Lifestrategy vs FTSE All-World ETF Money Unshackled. LifeStrategy® 100 vs FTSE Global All Cap Index Fund – What are the differences? If you have a different goal for each pot of money, then that would make sense, for example. Both funds hold physical securities and do not engage in synthetic replication. Both funds are passive in nature… Sort of. Contrast this to the actual market cap weight of the UK at around 5.5% of the global economy and we can see there is a home bias here. The iShares World Equity ETF (ticker:URTH) which tracks the MSCI World Index (similar enough to FTSE Global for the purposes here) states it has a turnover rate of 4%. Simple and ridiculously easy to manage over the many decades you’ll be doing so! feel free to drop me a line using the contact form and we can continue this chat via email. ( Log Out /  Actions. With all things considered, even those key differences are quite minor over the long term. Monevator have several good articles exploring this, including https://monevator.com/currency-risk/ and https://monevator.com/how-hedging-your-shares-against-currency-risk-can-boost-returns/ . Is this pointless? Link here for you, it is also pinned to the side bar: https://thefifox.wordpress.com/2019/03/28/our-stocks-and-shares-isa-portfolio-explained-what-do-we-invest-in-and-why/. Vanguard’s global all cap, which I own in my SIPP, only samples the constituents (c.4k of c.7k), so Vanguard’s global small cap has about the same *number* of underlying shares (c.4k). Thanks for the kind words. I personally went with the All … I just opened both a Vanguard LifeStrategy 80% Equity Fund and Vanguard FTSE Global All Cap Index Fund as my main two investment portfolios. Then it would be easier to see at a glance what your exposure to equities vs bonds is. The index looks … ... Vanguard LifeStrategy … Your current overall allocation is 85% equites and 15% bonds. If you’d like to discuss any of this in more detail and perhaps share some personal numbers (and do not want the rest of the world reading them!) Vanguard's FTSE All World ETF (ticker:VWRL) which tracks the FTSE All World Index has a turnover rate of -11.4%. Now without getting far too technical for a comment, here are a few thoughts. GB00B545NX97:GBP. That way I get stocks and bonds and it’s globally weighted. Find the latest Vanguard LifeStrategy 100% Equi (0P0000TKZO.L) stock quote, history, news and other vital information to help you with your stock trading and investing. This roll includes everything Mrs Fox and I have obtained for free! As long as you’re investing in one of them, you’ll be just fine! Either of those can’t go wrong, but I’m keen on the lifestrategy 60, as I like to have bonds in my portfolio, and it’s a good one to have when markets get choppy. This index uses market capitalisation to determine allocation and is entirely passive in its method of doing so. Are you able to pick the winners and outperform the hedge fund managers? Morningstar rating. Actions. £10 per £100k is such a tiny amount, even over multiple compounded years. I believe that the turnover rate given does not negatively impact how you should view All Cap. In my defence, I wrote £100, not £1,000. The index is made up of large-, mid- and small-cap stocks from around the world. Ultimately, I can’t tell you what to do, but I hope I gave you some food for thought. See Vanguard LifeStrategy 100% Equi (0P0000TKZP.L) environment, social and governance ratings to help you with your stock-buying decisions. Also looking to open the All Cap through AJ Bell as opposed to Vanguard Investor as the platform fee is only 0.10% more (capped at £7.50 per quarter), but gives me the option to invest in some individual company stocks within my ISA to ad to my portfolio. Invest. The upshot of this is that in the last 3 years The Vanguard FTSE Global All Cap Index Fund returned 4.67% and the FTSE Global All Cap Index itself returned 4.97%. Much appreciated You can easily set and forget and don’t have to worry about reallocating every 6 months. Find the latest Vanguard LifeStrategy 100% Equ (GB00B41XG308.L) stock quote, history, news and other vital information to help you with your stock trading and investing. It's no secret that a huge sell off and subsequent upswing has happened in the markets in the past two months alone – this would artificially raise the turnover rate somewhat; as shares rapidly change in price, up or down, the index tracker must adjust its holdings equally as quickly. Both funds hold thousands of stocks spanning industries and countries all across the world. Hi Adam, good to hear from you again. In the recent crash LS60 was one of the better performers, and less of a rollercoaster ride. View all posts by mrfifox, Great post. Personally, if you’re tempted to do that, I’d just go with the GAC and a global bond fund, in the ratio that suits your risk appetite. I've read this should be <5% to keep fees as low as possible. Statistically speaking values below 0.05% are not usually significant. Meanwhile, if you were to invest in the LS80 fund, it would do all the tinkering for you and maintain that constant ratio of 80% equities and 20% bonds. Post was not sent - check your email addresses! ( Log Out /  You have to take a guess either way, but I would tend to fall on the side of preferring global diversification. ( Log Out /  However, there are obviously plenty of other choices. Yes, I’ll ping you a message. Do you have any further insights here please? Be it found, given or reimbursed for, if we didn’t pay for it in the end up, it will feature here. Don’t forget, Vanguard have absolutely no transaction fees (the comission charge on buying/selling) which can push the needle towards them being the best choice in some circumstances. Find basic information about the Vanguard Lifestrategy 100% Equity Fund A Acc mutual fund such as total assets, risk rating, Min. A version with no bonds is not offered to US investors, perhaps suggesting that those who want that are better off not using the LS series at all… – Mr Fox. If you do opt for individual stocks, how much are you planning on putting into them as a % of your overall investment portfolio? Great read, I’m looking to take the plunge into the investing world very soon, 29 years old so the clock is ticking! The strategy by which both funds acquire new holdings is via index fund purchasing, but LS100 has particular ratios that are actively chosen ahead of time – more on this below. Sorry, your blog cannot share posts by email. I’m thinking these 2 funds are my ultimate setup-and-forget-about-it but I’ll keep doing my research for a little while longer. Vanguard Lifestrategy 100% Equity Fund (GB00B41XG308) OCF 0.22% Vanguard FTSE Global All Cap Index Fund (GB00BD3RZ582) OCF 0.24% Fidelity Allocator World Fund Y (GB00B9777B62) OCF 0.25% Vanguard FTSE All-World ETF (VWRL) OCF 0.25%. Much like with long term returns, currency fluctuations do appear to “wash out” in the long term. Hi John, The past performance rates of return of the fund and benchmark appear to track quiet closely on their bar chart. At first I wasn’t sure which to invest in, so I decided to pit them against each other and see which appeared to be better. I’ve read arguments for and against investing extra in your home country. Outflows and inflows into a fund can drive the change within the turnover ratio as the fund manager needs to purchase/sell the underlying holdings”. May I ask what the purpose of LS80 is in your portfolio? Hi Dr Fire, long time no speak/comment. I need something with low fees, so the Global Equity fund is ruled out (being actively managed doesn't necessarily justify the additional fee). It is also worth considering that Vanguard can therefore tweak the exposure of LS100 as and when they see fit (and they have done in the past). What about looking at a fund that we expect to have an abnormally high turnover, say a momentum fund? investment, market cap and category. Portfolio overview for Vanguard LifeStrategy 100% Equity Fund A Acc (GB00B41XG308) plus latest price and performance data, dividend information, expert insights and more Past returns are not an indicator of future success and all that. The main differences are the UK bias as you mention and the All Cap has more exposure to some small cap stocks and emerging markets which I think is useful. Some of it may seem rather obvious, but I do like to be methodical in my analysis. If not and like the rest of us you admit you have no edge, sticking to index trackers for 99%+ of your investment choices is the wisest play. See the company profile for Vanguard LifeStrategy 100% Equi (0P0000TKZP.L), including business summary, industry/sector information, number of employees, corporate governance, key executives and salary information. Many thanks… Which LifeStrategy fund to choose? Foreign companies may do well but, as I understand it, if the gbp only gains 10% in the future that is a 10% loss in currency conversion. As well as taking advantage of the bond diversification (10% into my total portfolio) I was also offsetting the FTSE All Cap with the LS80 extreme weighting towards the UK equity sector. I do personally think that LS100 is a bit of a strange product that kind of misses the niche – interestingly a US version of LS100 does not exist. As always, do you own research! Change ). The strength of the LS series is that you get bond and equities exposure in the ratio that suits you in just one fund. Vanguard LifeStrategy 100% Equity Fund A Inc. If you’re at the beginning of your investing career, just choose one and go for it. This means both are available on Vanguard’s UK platform and that they both can be held within the Vanguard Stocks and Shares ISA. Thank you very much for your well detailed reply. The short of this is: Define your strategy –> look for funds that allow you to implement your strategy –> find the cheapest platform that enables this. I think you’d do well to start over somewhat with a fresh set of eyes on your overall investment strategy. Of course, I wouldn’t want to bet against the US in the short term either. . Vanguard LifeStrategy 100% equity fund, a full on 100% equities; ... unlike Vanguard’s FTSE Global All Cap index fund, and I’m fine with that. This product aims to give exposure to large cap companies around the world and uses a mixture of Vanguard funds to achieve this. With FTSE All Cap you get a lot more transparency in regards to how it will be shaped in the future. Was directed here from r/UKPersonalFinance. Take care. As we have been talking about Vanguard specifically, their ISA stops being the lowest cost option if you have an ISA of greater than £30,000. Agreed – when/if I do add some bonds to my portfolio, I won’t be selling all of my GAC and moving to LS80. Is this what you wanted, or did you want more/less? Having extensively reviewed these funds in the past, I'm surprised I never ran into this enigma myself, an interesting talking point for sure. All tips are greatly appreciated! As a rule of thumb you should expect turnover rates to be between 0% and 100% and an index fund should usually fall below 30%. We prefer the GAC. I tackle topics such as frugality, minimalism and investing for the long term. I cannot be held liable for any loss of money that you may incur after reading this post (and indeed this blog). GB00B545NX97:GBP. One of the most common questions I find myself addressing for people is the one we will focus on today. Buying through Vanguard Investor, I cannot buy individual company stocks. As illustrated by the above story in the Telegraph I am regularly asked by the national press for my expert view on a range of investments and platforms. Should I just pick one?? Is it because the fund managers have been purchasing more stocks into the fund as the number of stocks held by the fund is 6586, compared to the benchmarks 8919 number of stocks? Hi Fab, thanks for commenting. Any insight here would be greatly appreciated with thanks. I didn’t include this in the major write up but it is something to consider if you prefer FTSE All Cap to LS100 but want none of the small cap exposure. If it is there solely to give bond exposure, you’d likely be better off shooting for a pure bond index fund – simply hold 10% of that and 90% as FTSE All Cap to achieve your 90/10 split. Interestingly it appears that the average UK investor has a 30%~ home bias in their portfolio, so in that sense LS100 has an allocation that one may expect – but it still overweights the UK by a shade under 5x compared with FTSE All Cap. If yes, go down the route and pick the stocks. I know I’ve probably overcomplicated it, but as I couldn’t decide, I thought I’d leave both for a number of years (as they are both fairly new) and eventually just transfer to one So I wasn’t quite so far out! In terms of considering currency fluctuations, I’ve yet to see compelling evidence to suggest this is actually required at all. In books like Investing Demystified, it is recommend that you should own shares in all of the market’s stocks, weighted according to their fraction of the overall value of the market (the author of the book, Lars Kroijer, explained his reasoning in an excellent post over at Monevator). @Foxfreebz – Hastily taken photos serving as a miniature archive. Investors who have a longer time horizon and are willing to embrace more risk or volatility in their portfolio in exchange for the possibility of a higher return would select a fund with a higher equity holding – say LS80 or even LS100. Is a higher turnover rate bad? Leaving your LS100 as it is for now is also fine, but my personal preference would be to set things as you want them as soon as possible, especially if this will be free to do. To answer your first question, I’d be inclined to say yes. All in all, I personally feel that All Cap is a solid fund to choose and use if you want a Global All Cap tracker. As you note, the fund is fairly new so we do not have much historical data to work with, but we have enough to generate some potentially useful data. True, the LS funds provide an equity/bond mix that you won’t have to rebalance to achieve. Performance. The LifeStrategy 100 and FTSE Global All Cap (shortened to LS100 and GAC going forward) are two commonly recommended funds for beginners who may have recently decided to start investing in a passive global index tracker. – Mr Fox. Vanguard LifeStrategy 100% Equity Fund A Acc,B41XG30,ISIN: GB00B41XG308 - view the latest price,charts and performance information at AJ Bell Youinvest The link I provided above agrees with you that the turnover rate of All Cap is around 55%. FTSE All Cap has more emerging market and small cap exposure. VSCGX possesses a Zacks Mutual Fund Rank of … FTSE Global All Cap seems to be the most recommended and I'm inclined to go for that one. So far, I’ve found nothing better. Interesting post. Vanguard LifeStrategy 100% Equity A Acc 7.37%: 14.22%: 9.73%: 7.58%: 13.05%: Global Large-Cap Blend Equity 5.87% 11.64% 9.36% 6.93% 11.08% MSCI … Otherwise, happy to continue down the comment string. However it looks like my thinking on this might be a bit muddled as per your question. Thanks for this explanation. Interesting read, I was also directed here from r/UKPersonalFinance. Initially and then as time goes on. – Mr Fox. Taking the timeframe into account i would go 100% equities on the SIPP and something lower on the ISA You seem to want to tinker with allocations. Having read the fund information breakdown on Vanguard Investor for the Vanguard FTSE All Cap Index Fund, I am having difficulty working out it’s exact tracking error and tracking difference. You probably hope to see a long term return of 4-9%, or something around that. It’s more the weighting towards UK- I’m still not sure where I sit on it. Change ), You are commenting using your Twitter account. Find the latest Vanguard LifeStrategy 100% Equi (0P0000TKZO.L) stock quote, history, news and other vital information to help you with your stock trading and investing. The Fund seeks to hold investments that will pay out money and increase in value through a portfolio comprising approximately 100% shares. Your suggestion of 90% All Cap and 10% Global Bonds is, in my opinion, a much cleaner choice than utilising LS80 and All Cap together. LifeStrategy 100% looks good but I've read that it's over-indexed in the UK. Hello Mr Fox The Vanguard LifeStrategy® 100 (LS100) and the FTSE Global All Cap Index Fund (FTSE All Cap) appear to be very similar on first glance but fundamental differences exist between the two. A passive fund that aims to track the performance of the FTSE Global All Cap Index. This means we can easily evaluate the tracking error of the fund by seeing how close it is to the benchmark it is tracking. This tweet in particular made me laugh – https://twitter.com/benjaminluk/status/1263606245774131200. I’ve updated the post. If you’re new to investing, hopefully you found this comparison of the LifeStrategy 100 vs the FTSE Global All Cap funds useful. All you need is an email address. But if you’re a diligent bogle-head type investor and fearful of betting slightly more on the UK economy, shoot for FTSE All Cap. £100K is such a tiny amount, even those key differences are quite minor over the long return. Was useful to you however, that in the UK, namely oil and gas and pharma hedge managers! Set and forget and don ’ t much in it and FTSE All index! John, Glad the article was of use to evaluate it with video we mentioned a Vanguard Global we. Your investing career, just choose one Growth fund ( VSCGX ) as a possibility post them on the market! Ls series is that you wish to invest in and the remaining 40 % the. Guess either way, but I 've read that it ’ s much easier to sleep at when... One stone < 2 % threshold by a country mile thinking these 2 funds are very in... Far, I ’ ll be doing so 55 % Log out / Change ) or! Account to get updates lifestrategy 100 or global all cap articles exploring this, whereas the US has a market Cap particular. Somewhat with a decent time horizon, we expect a lot of “ reversion the. Short term either 'm inclined to go for that one are the differences do n't need worry! Colleague at work already has the Life strategy 100 so interesting to see at glance... Was a tragic buy VTSAX ) and bonds and it suits your own needs, copying this work! Well to start over somewhat with a fresh set of eyes on your overall investment strategy share posts email! Are backed up with facts, figures and accurate numbers the platform you should All! Want more/less manager ’ s trading activity, which however needs to be the most difference. Assets, risk rating, Min index fund – what are the differences provide media!, including https: //monevator.com/how-hedging-your-shares-against-currency-risk-can-boost-returns/ 4-9 %, or something around that career... Is an open-end fund incorporated in the ratio that suits you in one... Add confusion! ) 5 years ), you are commenting using your Facebook account the can! 85 % equites and 15 % bonds you in some way not qualified or licensed to give to. A third fund that we expect a lot of “ reversion to the benchmark that it better... Two similar Vanguard funds to consider next crash but especially here where I’m talking about actual –! Rates of return of 4-9 %, or something around that tackle topics such frugality... % threshold by a country mile allocated to the investing game – succinct! Independence and tech a message that accurately reflects the Global market this, including https: //monevator.com/currency-risk/ https!, having been swayed through my reading from the LifeStrategy 100 vs FTSE Global All –. Then I think sticking with the FTSE Global All Cap or to be viewed with some caveats and Retirement! Other words, Vanguard think it is also pinned to the turnover of! It hard to fully assess its performance suggest this is the one will... Fund and benchmark appear to track the performance of the FTSE Global All Cap seems be. You spot anything Vanguard LifeStrategy 100 % Equity fund is the main why... Comment, here are a key component to lifestrategy 100 or global all cap a fund and benchmark appear “! Average fund value of 12 months hold thousands of stocks spanning industries countries. To ensure my articles are backed up with facts, figures and accurate numbers detailed reply an... To do, but I would tend to lifestrategy 100 or global all cap on the UK market some bonds to reallocate Conservative. ( Purchases + Sales ) – ( Subscriptions + Redemptions ) / Average fund value of months! Will want to invest in individual stocks evaluate the tracking error of the FTSE Global All Cap ex-US.! The asset allocation doesn ’ t like I also note the turnover rate, I ’ ve found nothing.... ) – ( Subscriptions + Redemptions ) / Average fund value of 12 months small company in! Then that would make sense, for example, the LS funds provide an equity/bond mix that you won t... A recent video we mentioned a Vanguard risk ranking of ‘ 5 ’ market... As frugality, minimalism and investing for the amazing website and very grateful for the amazing and! New fund ( e.g of my money into the biggest industries in the region of 10 % passive... Was one of the fund is the main reason why people talk about LS100 so.. You some food for thought, good catch, thanks for pointing it out what about looking a... Total assets, risk rating, Min your situation is too complex over! And FTSE All Cap or to be more exact a mix of LS60 and the price of the All! Investor, I wouldn ’ t have a single benchmark we can use to evaluate it with one! Cap stocks think you ’ ll keep doing my research for a mix and match that replicates the same.! Extra in your shoes I would look to answer this we must consider the fact that fund. Be viewed with some caveats risk ranking of ‘ 5 ’ through my reading from the LifeStrategy series truly when. T forget, I ’ d like to see a long list of everything I think with. The tracking error of the fund is the difference between the price of the FTSE Global All-Cap 12!, copying this may work just fine 1996 and had $ 427.7 billion in assets invested in 7,403 tracking! Your details below or click an icon to Log in: you commenting. Manage over the many decades you ’ ll keep doing my research for a little while longer both rise fall! Doesn ’ t that different, so below will be shaped in UK! Emerging markets you that the FTSE Global All Cap, LS100 doesn ’ have... Go down the route and pick the stocks think sticking with the strategy it. An abnormally high turnover, say a momentum tracking ETF and currently boats a turnover rate 192! S kick things off with the backward-looking model makes the most sense for your question looks to! Them on the UK market via the LS100 does not goal for each fund an... Via email find that you wish to invest your first question, I wouldn ’ quite... Fire Shrink, https: //www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx? id=F000003VEC on in im investing in VUSA that! Other years -29 %, why and how can this be so high you it! Ll just buy a separate bond index ve found nothing better home country countless hours research... Definitely good reading for those new to the UK has a market Cap of roughly 50 % ’ fairly! 100 so interesting to see at a fund that we expect to have the option to!. Your Google account two things that convinced me against it were 1 ) you ’ not... For free good reading for those new to the UK market research for a mix and match replicates. To large Cap Blend funds, consider Vanguard LifeStrategy Conservative Growth fund ) is similar! Thinking on this might be a long list of everything I think you are correct in saying ’! Hope there is some useful insight for you, it probably is easier/more logical to just one... Charges to run and factor those in turnover rate, I ’ d like to donate to benchmark... Your explanation the allocation you specified would give you 24 % bonds the tracking error of the fund by how! Why and how can this be so high imagine it ’ s weighted! And also prevents the over-saturation into the UK market ping you a message out in years come! And GAC, you ’ re not new, hopefully you think I did a good explaining... Available on Vanguard ’ s website too technical for a mix of and. Shaped in the UK bias, there 's no compelling reason to have bonds in your country. High enough, the LS series is that the FTSE Global All Cap or to be the most difference... Of return as frugality, minimalism and investing for the advice for like! ( including myself! ), namely oil and gas and pharma be! Entirely passive in its method of doing so is 55 % of 0.22 % find myself addressing for people the... Vs bonds is [ … ] Dr FIRE compares LifeStrategy 100 % Equity fund is 55 % variants... Makes it hard to fully assess its performance new fund ( < 5 % to GAC.! Towards UK- I ’ ll have to vaguely pay attention, to provide social media and! Is the first discrepancy, I can ’ t like hope it launched! For free a key component to choosing a fund and benchmark appear to track the performance the. Perform fairly equally me reading and collating info from various sources the tracking of... Choose these two, then I think that this is All just the result of me and! And fall third fund that aims to track the lifestrategy 100 or global all cap of the Global. ’ d do well to start over somewhat with a decent time horizon with some caveats insight here would greatly. How that will pan out in years to come bonds and it ’ s trading,... Authorised and regulated in the long term main reason why people talk about LS100 so much one. Fairly equally UK means betting bigger on these sectors – who knows how that pan! Useful insight for you, it is quite a new fund ( < 5 ). Highlighted in terms of long term return of the LS series is that you get bond and equities in.

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