United Forum
Go Back   United Forum > Everything else > Money
Reply
 
Unread 20-02-2020, 12:05 AM
Switching Off
 
Default

Quote:
Originally Posted by tatty
As I understand it the Vanguard fee's are 0.15% capped at 375 regardless of accounts you hold with them (SIPP, ISA).

Their range is limited to their own funds/ETF's but for the vast majority this will suffice especially if you were to use their Lifestrategy offerings.

Isn't for me because of the lack of IT's and REIT's which would leave me with a less diversified portfolio than i'd be happy with.
Just bolt on the properties in an existing sipp
 
Unread 20-02-2020, 12:05 AM
Cream
 
Default

Quote:
Originally Posted by est.1878
Iike it. Just another three to push. Just a rough 3000 year recorded history
Frank Lloyd Wright famously experienced an Indian summer.

And just look at Roy Hodgson.
 
Unread 20-02-2020, 12:16 AM
tatty
 
Default

Quote:
Originally Posted by Switching Off
Just bolt on the properties in an existing sipp
I have access to all Vanguards funds through my current SIPP which works out cheaper in any case.
 
Unread 20-02-2020, 12:25 AM
red in cumbria
 
Default

Quote:
Originally Posted by Cream
Frank Lloyd Wright famously experienced an Indian summer.
Aged about 85 he reportedly watched an attractive young bird walking down his street. Said "if only I was 70 again"
 
Unread 20-02-2020, 08:18 AM
Switching Off
 
Default

Quote:
Originally Posted by tatty
I have access to all Vanguards funds through my current SIPP which works out cheaper in any case.
Fair enough. Who you with?
 
Unread 20-02-2020, 08:25 AM
est.1878
 
Default

Are you an ifa switchers?
 
Unread 20-02-2020, 02:27 PM
tatty
 
Default

Quote:
Originally Posted by Switching Off
Fair enough. Who you with?
II.

When I left my DFM/IFA I moved to Alliance Trust which was then taken over by II.

The platform is intuitive and i've yet to find an OEIC/IT/ETF they don't list.
 
Unread 20-02-2020, 04:56 PM
Switching Off
 
Default

Quote:
Originally Posted by est.1878
Are you an ifa switchers?
No. Can't stand those c***s

Quote:
Originally Posted by tatty
II.

When I left my DFM/IFA I moved to Alliance Trust which was then taken over by II.

The platform is intuitive and i've yet to find an OEIC/IT/ETF they don't list.
Had one dealing with them. They wouldn't take two Invesco funds
 
Unread 20-02-2020, 05:53 PM
est.1878
 
Thumbs up

Quote:
Originally Posted by Switching Off
No. Can't stand those c***s

:
Me and you both...

However if you are clued up to explain Total expense ratio vs amc for me go for it... Reppable activity...
 
Unread 20-02-2020, 06:01 PM
Switching Off
 
Default

Quote:
Originally Posted by est.1878
Me and you both...

However if you are clued up to explain Total expense ratio vs amc for me go for it... Reppable activity...
In basic terms....

You've bought the Fred Tissue UK Equity Income Fund run by Armchair. Within that fund are a number of stocks: BP, Royal Dutch Shell etc etc. But the fund manager might also want to buy some funds as well as individual company shares. Those funds have their own underlying charges.

So your AMC is Armchair's fee for running the fund.

TER (sometimes shown as OGC on the factsheet) is Armchair's fee, plus all the fees of the other funds within the fund, plus all the dealing charges. Basically the total cost to you, of running the fund.

I think 1% TER is high since you can get etfs for less than 0.2% but 1% is the absolute max you should be paying. Any higher than that and steer clear. And really, 1 is too high.
 
Unread 20-02-2020, 06:04 PM
est.1878
 
Thumbs up

Quote:
Originally Posted by Switching Off
In basic terms....

You've bought the Fred Tissue UK Equity Income Fund run by Armchair. Within that fund are a number of stocks: BP, Royal Dutch Shell etc etc. But the fund manager might also want to buy some funds as well as individual company shares. Those funds have their own underlying charges.

So your AMC is Armchair's fee for running the fund.

TER (sometimes shown as OGC on the factsheet) is Armchair's fee, plus all the fees of the other funds within the fund, plus all the dealing charges. Basically the total cost to you, of running the fund.

I think 1% TER is high since you can get etfs for less than 0.2% but 1% is the absolute max you should be paying. Any higher than that and steer clear. And really, 1 is too high.
Repped.

So ter can never be lower than amc?
 
Unread 20-02-2020, 06:09 PM
Switching Off
 
Default

Quote:
Originally Posted by est.1878
Repped.

So ter can never be lower than amc?
Shouldn't be, no. They could be the same in theory.
Reply
Thread Tools
Similar Threads for: Vanguard launch personal pension
Thread Thread Starter Forum Replies Last Post
Pension question TravellingRed Money 18 04-09-2012 03:42 PM
If we pension soreknee or f*** KFC Off Topic 19 14-03-2010 12:48 AM
State Pension HarkNowHear Money 21 26-06-2008 07:45 PM
Anyone on a final salary pension? elephantstone Money 19 27-06-2007 10:10 PM
All times are GMT +1. The time now is 04:03 PM.

Copyright 2006 - 2022 utdforum.com. This site is in no way affiliated to Manchester United Football Club.