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Bobby 101
Posted: 11 March 2025 22:42:52(UTC)
#1

Joined: 07/02/2022(UTC)
Posts: 23
With the effect Trump is having on the US stock market, would you put £20K on this tracker Hsbc All world index C ACC as a buy and hold for a long term on Iweb?
https://markets.ft.com/d...ical?s=GB00B80QFX11:GBX

Or is there a better tracker or a multi-fund tracker eg Hsbc Global dynamic/adventurous?
https://www.fidelity.co....io-c-acc/key-statistics
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Dunno
Posted: 12 March 2025 13:22:31(UTC)
#2

Joined: 09/04/2024(UTC)
Posts: 68

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I would, and I have….12 times that amount actually at only 7% less than today’s price. It’s one of my core trackers and I intend to hold long term. But I’m not you and only you can decide how exposed to the US you’re comfortable being
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Bobby 101 on 12/03/2025(UTC)
Mick H
Posted: 12 March 2025 14:08:06(UTC)
#3

Joined: 21/01/2025(UTC)
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According to the link you shared, the first fund is 90% invested in UK stocks and the second one is global (65% US), so they are very different.

The only advice I can offer is make sure you understand what the fund is invested in, and that it meets your investment intentions (I usually look at countries and sectors, and select a fund based on whatever theme/trend I feel offers value). Also make sure you understand what the fund costs to buy and hold in your investment platform.
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Bobby 101 on 12/03/2025(UTC)
Bobby 101
Posted: 12 March 2025 16:06:47(UTC)
#4

Joined: 07/02/2022(UTC)
Posts: 23
Mick H;337343 wrote:
According to the link you shared, the first fund is 90% invested in UK stocks and the second one is global (65% US), so they are very different.

The only advice I can offer is make sure you understand what the fund is invested in, and that it meets your investment intentions (I usually look at countries and sectors, and select a fund based on whatever theme/trend I feel offers value). Also make sure you understand what the fund costs to buy and hold in your investment platform.


Hi Mick, thanks for pointing out that the wrong link was attached.
It should be this -

a HSBC all world index fund @ 0.13% ongoing charge
https://markets.ft.com/d...ance?s=GB00BMJJJF91:GBP

a HSBC global dynamic multi-fund @ 0.22% ongoing charge
https://markets.ft.com/d...arts?s=GB00B849DT80:GBP

I need to choose between one of them. The Index is on my selection list because it has a cheap ongoing charge. Not sure if this is true, trackers often perform better than multi funds?

The Hsbc Global strategy multi- fund because it has lots of indices and I don't have the knowledge to rebalance it although it is more expensive. Is there a better product out there?

This forum did not allow me to copy The Trustnet charting showing both products along with their respective index. The chart showed The Hsbc all world index fund coincided with the All world index. But the HSBC dynamic fund was way above the IA volatility managed index
Dumb question spoiler! - Why then is the index fund's 10 year performance better than the multi-fund, even though the multi fund's graph line is higher that its index?

Finance is not my field. Apologies for such a basic question - but its really bothering me.




.



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smg8
Posted: 12 March 2025 16:29:36(UTC)
#5

Joined: 26/04/2020(UTC)
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These are two different products.

The HSBC All World Index Fund is a global equity tracker, meaning it passively follows the performance of a broad global stock market index.

The HSBC Global Strategy Dynamic Fund is a multi-asset fund with a mix of equities and other asset classes, with a different geographical and asset allocation strategy.

The Global Strategy Dynamic Fund has only 71% in equities for example, with 47% US equity exposure compared to the HSBC All World which will be 100% equities and 65% US equity exposure.

In theory, the multi-asset fund should be lower risk due to its diversification across different asset classes. In practice, while it has been less volatile, it actually fell more than the equity tracker during stock market downturns like 2018 and 2022.

Over the long term, the global equity index tracker would typically be expected to deliver higher returns, but with greater volatility and deeper drawdowns. Over shorter periods, the multi-asset fund may perform better depending on what bonds and property do.

There's no such thing as a stupid question - the reason the index fund has a stronger 10-year performance, despite the multi-asset fund’s graph appearing to show stronger relative gains, likely comes down to absolute versus relative performance.

The index fund is generating higher absolute returns, while the multi-asset fund is outperforming its peer group by a larger margin. This makes the multi-asset fund look strong in comparison to similar funds, but in absolute terms, the global equity tracker has still delivered better long-term growth.
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6 users thanked smg8 for this post.
Zach F on 12/03/2025(UTC), Strauss on 12/03/2025(UTC), Bobby 101 on 12/03/2025(UTC), Aminatidi on 12/03/2025(UTC), Mick H on 12/03/2025(UTC), Guest on 13/03/2025(UTC)
Bobby 101
Posted: 12 March 2025 17:58:50(UTC)
#6

Joined: 07/02/2022(UTC)
Posts: 23
Smg8, thank you for your detailed, and patient explanation. Very educational, I now understand.

The posters on Citywire are very kind and helpful!

From the Monevator, have since found SPDR MSCI ACWI ETF (ACWI) TCO 0.12% (OCF 0.12%, Transaction 0%), which is a tad cheaper than HSBC all world index fund but is an ETF. Any thoughts on the SPDR MSCI ACWI ETF (ACWI)?
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Tug Boat
Posted: 12 March 2025 18:14:12(UTC)
#7

Joined: 16/12/2014(UTC)
Posts: 2,034

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I struggle to see the rationale of investing in a tracker in a falling market, cos you have a good idea where things are going.

If the market turns up, then get in, all is well and grand, you can dip your bread and toast whatever god gave you the good fortune.
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Bobby 101 on 12/03/2025(UTC)
ben ski
Posted: 12 March 2025 19:03:30(UTC)
#8

Joined: 15/01/2016(UTC)
Posts: 1,392
Tug Boat;337377 wrote:
I struggle to see the rationale of investing in a tracker in a falling market


Coming from someone who probably vomited several times then yelled menacingly through his letterbox after writing that, I'm not surprised at all.

10% down and this place is falling apart.
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Rob B
Posted: 12 March 2025 19:48:26(UTC)
#11

Joined: 07/10/2018(UTC)
Posts: 1,710
ben ski;337382 wrote:
10% down and this place is falling apart.

Nonsense, ben. Many have done absolutely nothing other than watch with amusement at the on-going comedy sketch that is Don d'Orange.
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ben ski
Posted: 12 March 2025 20:19:28(UTC)
#12

Joined: 15/01/2016(UTC)
Posts: 1,392
Rob B;337389 wrote:
ben ski;337382 wrote:
10% down and this place is falling apart.

Nonsense, ben. Many have done absolutely nothing other than watch with amusement at the on-going comedy sketch that is Don d'Orange.


I think the fact you find a president keeping campaign promises – ending wars rather than conspiring to start them, deporting illegals rather than bussing them in, cutting money laundering rather than laundering money – so funny says a lot about the state of things outside the US at the moment.
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1 user thanked ben ski for this post.
Guest on 13/03/2025(UTC)
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