I invested for the first time in my life last November (regret to be so late in the game but better now than never!)
I wasn’t happy at all with my previous broker so I’ve decided to change to 212 now!
I’m currently aiming on creating a diversified portfolio of ETFs for my “Stocks” pie. My preference would be a Distributed ETF instead of ACC.
I’m between the following:
- Vanguard FTSE All World (Already diversified and including Emerging Markets)
- A mix of:
MSCI Core World
MSCI World Small Cap
MSCI Emerging Markets
I was also thinking about moving instead to FTSE All World High Dividend… the Yield is great but I’m not super sure.
If you want small caps, you may be better off going the MSCI route. I think I’m right in saying small-caps are not included in VWRL.
I’d avoid VHYL as income tends to underperform in the long term.
That sounds good,
What do you think about doing FTSE All-World + MSCI World Small Cap
Check the spread on ETFs as well. If your looking for long term then VWRL probably trumps VWRP right now on fees.
Personally I think HMWO is better.
I’m really just looking from a GBP perspective, and from a buy/forget approach for long term / higher risk(as 100% equity) investing.
If your happy investing in EUR, then there are some vanguard lifestrategy ETFs as well.
That works. I think @Dougal1984’s shout of just going with a developed markets tracker like HMWO is a good one. I prefer an active approach to small caps and emerging markets.
Thanks @Dougal1984 it’s beginning to make more sense to me, I’ll probably shoot for HMWO