Vanguard LifeStrategy vs HSBC Global Strategy Portfolios

You can also negative screen by selecting a number of country etfs and avoid pointless markets like Uk, china/HK A/H, India

Doing it yourself is fun and can get you to retirement quicker. HSBC is I love them HSBC all world , HSBC American index and I love

I find it very interesting looking into these funds

I've noticed that the equity percentage in each of the HSBC funds does not appear to remain static unlike the LSfunds. On the HSBC webpage it shows the Dynamic fund as having 70% equity, however of Fidelity's site it shows it as having 81% equity, that's abig difference, is that right?

I have the Lifestrategy 60 but would also like to have some investments high risk. Is running the S&P 500 ETF alongside the LS 60 worthwhile?

I've started buying some as a result of the video. I didn't know about these. I like life strategy as well though so I have both.

Great vid as usual. Do you have any vids on how use these funds in particular the hsbc when in retirement. The yield is low with the inc funds is the omly way to sell units on top of taking yield .
The royal London gmap funds are worth a look apparently the dealt with the recent bond crash very well .

Hi Ramin, I have a Question!

I started investing in VG LifeStrategy fund (have been doing it for 3 years and my portfolio is 26%+) but have realised that I can get better exposure and performance from other funds you mentioned in your previous video like VHVG.
I'd like to know what's the best approach to switch the funds from one to the other fund?
Should I do it all in one go?

Have you watched Ben Felix’s recent “Home County Bias” video? He discusses a recent paper that presented evidence that may influence your thinking on this. I think the bottom line is that we probably need to factor in currency risk, and potentially the tax and/or local fee implications tied to domestic markets (tax free wrappers, not withstanding). If VG were not now so comparatively expensive in the passive fund market (who would have thought this would come to pass), and included emerging, I would even consider switching from my current global investment. The other point to consider is, in respect of your home made pie “one fund”, is that T212, while they do offer an ISA (I have one with them, for example), do not offer SIPPs.

Hi ramin . Will you be tracking the asset mix portfolios performance wise

Well, thank you for creating and sharing the pies!

Please could you explain the difference between the FTSE and MCSI World indexes ?

Do you ever consider stock lending risk in ETFs especially if you have a concentrated portfolio of ETFs. You may be diversified with stocks but some ETFs can lend up to 30% of their stock. This could mean you have a credit risk to a basket of unquantified collateral provided by some of these potential firms to which stock has been lent. As we saw there can from time to time be major bankruptcies of systemic financial firms. Don’t you think that in a large portfolio, the holdings should be split between several ETFs even if they track the same index?

What platform is the cheapest/best to invest in HSBC Global Strategy funds?

Hi, I already have stocks and share ISA with HSBC and plans to open Trading 212 Invest account.
-can I keep funding both HSBC S&S ISA and Trading 212 ISA account?
-or are we only allowed to open 1 stock and share ISA?
-or can I can open new trading 212 ISA but stop funding the HSBC ISA account?
Thanks

Hi Ramin love the channel. Just saved your Asset Mix 100 pie on T212 - how does the risk / reward profile of this compare to Vanguard & HSBC? Any chance of a comparison chart / follow up? Thanks!

How did you get comfortable with the credit risk of one fund allocation?

Vanguard life strategy is garbage 🗑

Hi Ramin, I was looking at SPXP using a website that i found by listening to your podcast (just etf) and i noticed it was a synthetic ETF.
I done a little research into the difference between synthetic and physical and have a fair idea of the main Differences but would you say there is a higher element in risk in owning a synthetic etf over a physical etf?

Watching from Egypt
Your videos are wonderful always

I hold both LS80 and FTSE world ex UK in a 1-4 ratio, cheaper than just LS and as I’m £ cost averaging I can tweak ratios month by month to alter home bias to one I’m happy with

It’s a shame you can’t search for pies in T212

Ramin -how do trading 212 make their profit? Surely it must be on the spread. This is like "smoke and mirrors" to the unsophisticated investor.🤫

Ramin, have you looked at the columbia threadneedle universal funds? It would be interesting to see a similar video including these funds which offer active management (asset allocation and stock selection) at a passive price.

Thanks for making this video after my super chat request Ramin

I used LifeS 100% but became fed up of home basis, so went for the Vanguard Global.

For non UK investors, note that the Vanguard Life Strategy EUR funds on Trading 212 do not have a UK home bias - they have no home bias.

Multinational corporations like AXA and HSBC, that invest in fossil fuels, are complicit in Israel’s oppression of the Palestinian people. They invest in companies arming Israel, financing its illegal settlements and pillaging Palestinian land and natural resources. I'm never investing with HSBC

Interesting video. I’m in the process of changing my modest pension to Vanguard. A financial advisor recommended for me to put my pot into the LS100 fund and despite the UK bias I’m probably going to take his advice for simplicity. Only time will tell if it will be a big mistake but despite the poor performance of U.K. stocks and a sluggish U.K. economy LS 100 has still produced surprisingly good returns over the past few years so I’ll probably stick to his advice.

Hi Ramin. Interesting video and I'd not heard of the HSBC strategy funds. Regarding your T212 pies, haven't you overweighted Europe in them? Or maybe that was the intention.

Ramin you criticise Vanguard for too much in UK but your 9% in Japan is surely 100% more than its % of World GDP - Why??

I quite like the HSBC Global Strategy Dynamic and I am already invested in it - it is mainly equities with some bonds and property, low fees and doesn’t require any thinking. When held on Fidelity platform it will give me a simple automated monthly income of my choice when I retire. Not the cheapest option but there are much worse options out there.

Many thanks Ramin for this, i was looking for a multi asset fund such as the HSBC range.

HSBC are currently tempting customers with a chance of winning money if they open one of said portfolios with just £50. Is it worth it?

If you go for the self managed T212 pie option, how often should you rebalance? Once a week? Month? Year?

Good video thanks. Very helpful.

Hi Ramon, is the referral code still valid? I looked at the t&c and it says the promo campaign period ends on 14th Feb 2024.

Long time follower here. I have a question re trading 212 in relation yo the 4.2% interest offered on euro cash. Is the capital protected? And if so how nad fie how much? Thanks for your feedback.

Canadian Vanguard Asset Allocation funds as they are called also have a home bias in the 25% range compared to Canada's 3% global weighting. For Canada, reading Vanguards reasoning (lower volatility, lower currency risk, favourable taxes) does seem to make sense probably because Canadian markets are more tightly correlated with the US than UK is with the US.

Ramin I could kiss you! I have wanted something like this, ie without heavy UK weighting, for ages. It will help me simplify my T212 portfolio immensely! Plus with you having created it, I felt extra confident.

Hi Ramin another great informative video...please can you do another video on Vanguard's Target retirement date funds. I am 53 and have the 2045 fund ( 77 23 portfolio balance) in my Vanguard ISA. Also have the Ftse Developed world VHVG in my Vanguard SIPP . Again doing really well at the moment. keep up the good work. I know that you have this one as well....

I prefer the HSBC global strategy due to the lack of UK bias. But I ended up just going with the HSBC FTSE all world as I wasn't interested in bonds or property and is a cheaper fund.

Thanks for another very helpful video. One comment I would make about Vanguard is their customer service, in my experience it’s poor and they need constant chasing to respond to secure messaging and it’s very off putting. It would be helpful to know your thoughts on customer service from various companies.

Thanks

Very good video. Thanks. I have HSBC funds and was considering Vanguard LS. As you say just investing yourself could achieve the same. A very relevant video.

Im on 212 could you please make a video about the leveraged ETFs on there? Thanks. 😊