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Tim Hale Global Tilted Portfolio 60 & 80
Mr Spock
Posted: 29 November 2024 09:18:59(UTC)
#44

Joined: 19/07/2019(UTC)
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Peanuts
Posted: 29 November 2024 10:28:55(UTC)
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Aminatidi;327184 wrote:


Still interesting though how nobody seems to do a straight stock/bond mix with a few bps for managing it.



I have thought that and I guess it’s something to do with the weighting of the funds that make up the portfolio. Wasn’t there something about 20% or so is the maximum allowed for stuff like LifeStrategy etc?
1 user thanked Peanuts for this post.
Aminatidi on 29/11/2024(UTC)
Jed Mires
Posted: 29 November 2024 14:20:06(UTC)
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Joined: 04/04/2023(UTC)
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Aminatidi;327184 wrote:
Peanuts;327181 wrote:
I think the same can be said for LifeStrategy. Unnecessarily complicated although to be fair the price is cheap @ O.23% for someone who needs a one-stop portfolio that rebalances etc. It just pisses you off that Vanguard don’t do a service like pick 2 funds (VWRP and VAGS for example) and for 0.05% or whatever we will rebalance for you.


You could say the same of any multi-asset I guess?

I think it's easy to forget just how cheap 20bps actually is too - fees matter but I don't think 20bps is what the people writing the articles had in mind on fees.

Still interesting though how nobody seems to do a straight stock/bond mix with a few bps for managing it.



InvestEngine and Interactive Brokers have an account where you set up a portfolio to suit what you want and at the click of a button it gets rebalanced back to your original weightings. Rebalance as often as you like.
4 users thanked Jed Mires for this post.
Guest on 29/11/2024(UTC), Cm258 on 29/11/2024(UTC), Aminatidi on 30/11/2024(UTC), Peanuts on 30/11/2024(UTC)
ben ski
Posted: 29 November 2024 23:35:17(UTC)
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Peanuts;327181 wrote:
ben ski;327174 wrote:
It looks like one of these cases where they could use 2 ETFs, but use 14 just to justify their 0.25% fee.

The stocks are a mishmash of two S&P500 ETFs, a bunch of diluted factor exposures, FTSE100, Europe, EM... I've never found a good reason for doing that, above using a world index. There's no diversification benefit I'm aware of.



I think the same can be said for LifeStrategy. Unnecessarily complicated although to be fair the price is cheap @ O.23% for someone who needs a one-stop portfolio that rebalances etc. It just pisses you off that Vanguard don’t do a service like pick 2 funds (VWRP and VAGS for example) and for 0.05% or whatever we will rebalance for you.


Absolutely. And the problem is their fiddling has been a net negative – it's probably added at least another 0.25-0.5% onto the effective cost (vs a more efficient portfolio). It may well be down to unit trust rules on maximum position sizing.

I would say the two best platforms I've used for simple, passive portfolios (that would've beaten almost everything since the GFC) are Vanguard and InvestEngine.

Vanguard's actually really slow and dated, and sometimes irritatingly bureaucratic. But it does encourage you to leave everything alone. You really do treat it like a savings account ... InvestEngine is almost too easy to use, and does probably offer too much choice. I think it's also cheaper than Vanguard. One-click rebalancing. You get gold ETFs. It's quick. And it just seems to encourage good behaviour. It will have you investing like an institution – thinking about allocations and risk exposures, rather than being reactive to markets.
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Peanuts on 30/11/2024(UTC), Jed Mires on 30/11/2024(UTC), Tim D on 01/12/2024(UTC)
Cm258
Posted: 01 December 2024 15:27:17(UTC)
#45

Joined: 30/07/2022(UTC)
Posts: 458

I read https://monevator.com/ho...unitize-your-portfolio/ recently, which led me to https://www.bogleheads.o...lating_personal_returns

I've now created a version of the latter for my ISA (Tim Hale Global Tilt 60) and backfilled this for the last 6 months (contributions and month end portfolio balance). I'll be using this going forwards rather than the Trustnet portfolio (which I have not kept well maintained tbh). So the comparison will be apples vs apples going forwards :)

Figures are to 30/11/2024.

Tim Hale Global Tilt 60 Vs Vanguard LS60 cumulative performance
1 month - 3.5% Vs 2.6%
3 month - 4.4% Vs 3.8%
6 month - 8.1% Vs 7.1%
Cm258
Posted: 03 January 2025 11:22:29(UTC)
#46

Joined: 30/07/2022(UTC)
Posts: 458

Figures are to 31/12/2024. My portfolio performance is the TWRR taken from my spreadsheet, and VG LS60 is taken from TrustNet. Not quite able to compare to 1 year as I only started this portfolio in August 2024.

Tim Hale Global Tilt 60 Vs Vanguard LS60 cumulative performance

1 month: -2.2%% Vs -1.9%
3 month: 1.4% Vs 1.4%
6 month: 2.8% Vs 3.7%

Reminder of what this is composed of:

Return Engine
36% VWRP - Developed & emerging global equities
9% UBS FTSE RAFI Developed 1000 Index fund - Developed value
9% WDLS - Developed small cap
6% HPRO - Global commercial property

Defense Mix
13% IGLT - Intermediate UK government bonds
17% IGLH - Intermediate developed government bonds
10% Royal London Short Duration Index Linked fund - Global Inflation-Linked bonds
4 users thanked Cm258 for this post.
Sheerman on 03/01/2025(UTC), Wave Action on 03/01/2025(UTC), Guest on 07/01/2025(UTC), Micawber on 02/02/2025(UTC)
Cm258
Posted: 01 February 2025 08:41:43(UTC)
#47

Joined: 30/07/2022(UTC)
Posts: 458

Figures to 31/01/2025.

Tim Hale Global Tilt 60 Vs Vanguard LS60 cumulative performance
1 month - 3.6% Vs 2.9%
3 month - 4.9% Vs 4.7%
6 month - 6.0% Vs 5.4%
4 users thanked Cm258 for this post.
Jay P on 01/02/2025(UTC), L.P. on 02/02/2025(UTC), Micawber on 02/02/2025(UTC), malc1111 on 01/03/2025(UTC)
Cm258
Posted: 01 March 2025 07:03:35(UTC)
#48

Joined: 30/07/2022(UTC)
Posts: 458

Figures to 28/02/2025.

Tim Hale Global Tilt 60 Vs Vanguard LS60 cumulative performance
1 month: -1.4% Vs -0.5%
3 month: -0.2% Vs 0.9%
6 month: 4.2%% Vs 4.5%

Hmmm not the best, with the gap widening to VLS60!
2 users thanked Cm258 for this post.
Aminatidi on 01/03/2025(UTC), malc1111 on 01/03/2025(UTC)
Aminatidi
Posted: 01 March 2025 08:28:40(UTC)
#49

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Not sure if if this is a life changing sum but are you going to just let it run or are you feeling tempted to tinker around the edges yet?
1 user thanked Aminatidi for this post.
Cm258 on 01/03/2025(UTC)
Anthony French
Posted: 01 March 2025 08:59:00(UTC)
#53

Joined: 09/09/2018(UTC)
Posts: 9,124



Warren Buffett makes stunning move by selling S&P 500 funds he told everyone to buy
Story by Tilly Armstrong Deputy Consumer Editor For Dailymail.Com



Warren Buffett's Berkshire Hathaway has sold its holdings in funds tracking the S&P 500, in his latest retreat from the stock market.

The conglomerate dissolved its shares in two exchange-traded funds, or ETFs, from major investment companies Vanguard and State Street Global Advisors.


ETFs are a collection of stocks or bonds in a single fund which track an index like the S&P 500, Nasdaq or Dow Jones. The S&P 500 is an index of the 500 largest companies in the US.

Each of Berkshire's ETF holdings was valued at roughly $22 million, according to the Financial Times, and were liquidated in the fourth quarter of 2024.

It leaves 94-year-old Buffett with no ETF holdings, despite the investor speaking highly of the funds in the past, and encouraging others to buy into them.

In Berkshire's annual shareholder letter in 2016, Buffett said he recommended 'low-cost index funds', and preferred them to hedge funds.

'When trillions of dollars are managed by Wall Streeters charging high fees, it will usually be the managers who reap outsized profits, not the clients,' he said at the time.

In the same letter, Buffett also hailed Vanguard founder Jack Bogle as 'the person who has done the most for American investors.'


The sale of the ETFs underscores a larger trend at Berkshire which has seen the company sell off stocks and hoard cash.

At the end of last year, the company held its largest cash position on record - at $334.2 billion.

Some investors are concerned that Buffett's cash holdings indicate that he is retreating from the stock market as he sees it as overvalued - or if he knows something they don't about an impending crash.


US stocks have faltered in recent weeks, amid concerns around Donald Trump's tariff plans, sticky inflation and a potentially slowing economy.

Some investors fear the S&P 500 is too reliant on a handful of expensive technology stocks.

In his annual letter released earlier this month, the so-called Oracle of Omaha sought to brush off this speculation.

'Despite what some commentators currently view as an extraordinary cash position at Berkshire, the great majority of your money remains in equities,' he said.

'That preference won't change.'

While Berkshire may have dumped ETFs tracking the S&P 500, he still owns plenty of the individual stocks.

Despite selling off some holdings in Bank of America and Apple last year, for example, he still holds billions of dollars-worth of stocks in the companies.
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