Here’s mine
I realise vwrl overlaps other etfs.
New to investing but trying to start with a base this time.
I took the idea from a managed portfolio I also have elsewhere. Global etf with additional regional etfs.
Every seasoned investors was new once before, I’ve linked this a few times but with the help of some knowledgeable members I’ve build a VWRL global tracker out of smaller funds. All the vanguard ones saved me money and the others allowed be to target better. Long term I can also balance as I see fit.
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I’m toying with the idea of replacing VWRL with VNRT, VEUR, VFEM, VJPN and VAPX. The ongoing cost would fall from 0.22% to under 0.12%. How much of a hassle is it in terms of rebalancing? And how do you handle new/regular contributions without fractional shares? 
Is it really worth the hassle to save 0.1% / year? On a healthy £50k portfolio that’s £50.
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My view is that Developed + EM is the sweet spot - that’s only 2 funds to manage and it gets you most of the saving - that’s what my wife has.
Over time even those £50 adds up and as your investment grows the fees become more material.
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100% correct. However if I was concerned enough about a 0.1% hit to spend time trying to replicate VRWL across numerous ETFs then I might reconsider if it’s an investment that matches my appetite for risk.
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I don’t see how there’s a relationship with risk appetite, I think it’s purely whether the extra cost is worth the effort.
Probably the simplest analogy to consider is if you call up/switch utility provider each year to save £x.
In my view 2 funds is way less effort than dealing with that and potentially saves more money. I get than many people are perfectly happy to pay a bit more to save the hassle though.
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I never knew Tuppleware is a Public Company
If we plug the same 0.1% into this analogy on an annual £1500 bill that is a saving of 0.4p a day.
I can absolutely see the benefit of trying to maximise returns, however using 5, 6 or more ETFs to save 13p a day on a £50k investment that would have dropped £1000 today so far ?
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Really interesting to see how varied everyone’s choices are. I’m more than 50% cash overall at the moment, trying to work out if we are in a proper correction and when the Fed is going to capitulate and send US shares up again. Ask me in a few years if this was a good idea (the inverse S&P holding here probably won’t outlast next week, it’s a short term thing which may go horribly wrong).
The choices are all ugly at the moment IMO - sit in cash and lose to inflation, or choose bonds and lose to the falling price and zero returns, or choose risky assets and watch them plummet if the Fed doesn’t capitulate and/or war in Ukraine happens.
One of my accounts:
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88 Energy 91.2%
Zephyr Energy 6.9%
Argo Blockchain 1.9%
Berkshire Hathaway
Build a Bear Workshop
Tesla
SoFi
Also small %s in Unity and cash below.
Seems like a lot of holdings but I like creating my own buckets of stocks rather than picking individuals, e.g. the four tobacco stocks would ideally just be under one bucket (can’t wait for this feature!) and equally weighted, £BATS thrown it off recently but not complaining!
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This me so far. Investing since December. Trying to avoid having tooo much tech just now as they are getting nailed.
Edit
Had to add two photos as fluence and nexgen were hanging off the bottom.
Atlantic lithium is queued for Monday morning as is Keras Reaources
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I’m 80% Aviva. Hoping for big special dividend news on the 2nd March so I can diversify out a bit.
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I’m very much looking forward to seeing what happens too. Special dividend and long term growth I think. Average just below £4 so I’m happy. If it dips that price again il be buying as much as I can.
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Anyone else’s not working still?
I had to update it