I cant seem to find VT on Vanguard when I search for it under "invest now"...
Trading the stockmarket (NO Referrals)
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HL fees vs AJ Bell
AJ Bell vs Hargreaves Lansdown
AJ Bell vs Hargreaves Lansdown: Compare fees, features and services to find the best UK investment platform for your ISA, SIPP, LISA or JISA based on your financial goals.
www.boringmoney.co.uk
Trading 212 vs Hargreaves Lansdown 2025
uk.stockbrokers.com
HL Fees vs Ineractive Brokers
Interactive Brokers vs Hargreaves Lansdown 2025
uk.stockbrokers.com
HL are pretty much the most expensive broker, you can google HL fees compared to x fees for a break down
What HL do, is give you newsletters and their own company break downs, which is their opinion and you can get other companies opinion often for free.
The cheapest is not always the best, just make sure you know what you're paying for and if you really need it or not.
Say you make 12 trades per year, which is typical of dollar costing in to a company
12 trades per year - Trading 212 would cost £0 per year, while Hargreaves Lansdown would cost £143.40 / £188.40 if in ISA. per year.
There is no way you can make that 143 pounds back that you paid HL.
Soldato
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VT is American, look it up and see what's included in it, then look up the UK equivalent.
From memory I think it's VAFTGAG (fund), but you may also want to look up VWRP (etf), VHVG (etf), or VUAG (etf).
Learn the differences in indexes, fees, etc.
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Very best case is world gets back to normal and these highly valued stocks tick up a bit.
Worst case I don't even want to think about.
This is the first time I've ever actually pulled out due to world events. I've basically just bought before this.
Many thanks, fully understood.HL fees vs AJ Bell
AJ Bell vs Hargreaves Lansdown
AJ Bell vs Hargreaves Lansdown: Compare fees, features and services to find the best UK investment platform for your ISA, SIPP, LISA or JISA based on your financial goals.
Trading 212 vs Hargreaves Lansdown 2025
HL Fees vs Ineractive Brokers
Interactive Brokers vs Hargreaves Lansdown 2025
HL are pretty much the most expensive broker, you can google HL fees compared to x fees for a break down
What HL do, is give you newsletters and their own company break downs, which is their opinion and you can get other companies opinion often for free.
The cheapest is not always the best, just make sure you know what you're paying for and if you really need it or not.
Say you make 12 trades per year, which is typical of dollar costing in to a company
12 trades per year - Trading 212 would cost £0 per year, while Hargreaves Lansdown would cost £143.40 / £188.40 if in ISA. per year.
There is no way you can make that 143 pounds back that you paid HL.
So I would say HL is probably better for long term trades, whereas T212 is better for more regular trading?
Would this be a fair thing to say?
Soldato
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HL fees vs AJ Bell
AJ Bell vs Hargreaves Lansdown
AJ Bell vs Hargreaves Lansdown: Compare fees, features and services to find the best UK investment platform for your ISA, SIPP, LISA or JISA based on your financial goals.
Trading 212 vs Hargreaves Lansdown 2025
HL Fees vs Ineractive Brokers
Interactive Brokers vs Hargreaves Lansdown 2025
HL are pretty much the most expensive broker, you can google HL fees compared to x fees for a break down
What HL do, is give you newsletters and their own company break downs, which is their opinion and you can get other companies opinion often for free.
The cheapest is not always the best, just make sure you know what you're paying for and if you really need it or not.
Say you make 12 trades per year, which is typical of dollar costing in to a company
12 trades per year - Trading 212 would cost £0 per year, while Hargreaves Lansdown would cost £143.40 / £188.40 if in ISA. per year.
There is no way you can make that 143 pounds back that you paid HL.
I'm totally out of touch - is it possible for someone who's not eligible for SIPP anymore to move away from HL?
I use IB too but they don't support SIPP
Thank you, you saved me a lot of research time here. Fully understood.
The market is high... but you can look at any time frame pretty much and say the market is highest it's ever been but the issue is that it keeps getting higher.
ftse 100's : https://curvo.eu/backtest/en/market-index/ftse-100?currency=gbp
s&P 500's : https://curvo.eu/backtest/en/market-index/sp-500?currency=gbp
ftse 100's : https://curvo.eu/backtest/en/market-index/ftse-100?currency=gbp
s&P 500's : https://curvo.eu/backtest/en/market-index/sp-500?currency=gbp
Soldato
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The fee structure kinda encourages that to be the case yes.
This is one of the reasons I use ii - I don't like my investment decisions being influenced by a fee structure.
You will need to find another broker that supports SIPPs, not many of the free brokers do.. but when it comes to SIPPs, I personally would use a more established broker.
Sorry for another dumb question. I just saw that VWRL is available on HL and other platforms, whats the advantage to buy these through Vanguard directly? (I already created an account with them).
Soldato
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The advantage is the cost of trade, buying on vanguard is free, and you pay 0.15% account fee.
If you buy the same ETF on H&L you pay £11.95 per trade, and 0% account fee.
If you buy the fund version on H&L, you get the trades free + 0.45% account fee.
Vanguard has a minimum fee now so H&L is cheaper if you buy via fund, not ETF, for lower amounts.
As your portfolio/deposits increase, vanguard is cheaper
Then H&L is cheaper after you increase further
Soldato
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We know due to regulation and taxation.
USA with trump means the cutting of regulations and taxes, meanwhile in the UK and EU they are increasing taxes, but most importantly regulation.
Search -- > Executive Order 14192
"Sec. 3 . Regulatory Cap for Fiscal Year 2025. (a) Unless prohibited by law, whenever an executive department or agency (agency) publicly proposes for notice and comment or otherwise promulgates a new regulation, it shall identify at least 10 existing regulations to be repealed."
People complain for example about amazon destroying the high street and so forth, but how many regulations and costs are there to running a small business that amazon can much easier deal with with specialised teams because they are at scale.
They will never remove those regulations because it means you have government staff that are now doing nothing, so they need to be made redundant, but they will never do that.
US will outperform EU/UK, if we copy US example, we might keep the status quo as it is, if we do not, then the UK and EU will suffer negative returns, in all asset classes.
Im almost certain US stocks will have a tax applied soon enough
Thanks. This makes sense.
Then couldn't I just transfer my and my families HL Isas to a platform that has no recurring fees like t212? Wouldn't that make more sense? (If allowed)
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VT-Vanguard Total World Stock ETF | Vanguard
Although recently i started with FWRA because it is accumlating.
Invesco FTSE All-World UCITS ETF Acc
www.invesco.com
These trackers should have a lot less volatility but obviously will still have risk so the usual caveats about time in market are important .
These kinds of all world trackers are considered the de facto single ETF portfolio for passive income .
This is compete speculation on your part, and in fact is not supported by any evidence.
For example, every time there has been a tax increase in the US, the S&P 500 had greater than average return https://www.definedplanning.com/blog-01/will-higher-taxes-sink-stocks
Then given the fact the orange dictator is seems determined to inflict economic sanctions on the US in the form of tarrifs
Tracking the Economic Impact of the Trump Tariffs
The Trump administration imposed nearly $80 billion worth of new taxes on Americans by levying tariffs on thousands of products in 2018 and 2019, amounting to one of the largest tax increases in decades. The Biden administration has kept most of the Trump administration tariffs in place
taxfoundation.org
Now, I am not saying the rest of the world will outperform the US , but your reasoning for US outperformance is completely misguided. The simple facts are:
* Trump is adding significant uncertainty which the markets hate
* Trump is threatening to add significant tariffs which are widely know to have negative impact on the economy . His tarrif's the last time cost Americans billions and made hundreds of thousands unemployed, as well as severely impact US car industry
* Trump's isolationist policies will lead to lower foreign investment .
* US stock market growth in recent years was driven by a relatively few number of tech companies, all of which have extremely high P/E ratios . E.g. Apple is about 7% of the weight oof the S&P 500. So a S&P500 tracker is a heavy bet on US tech companies . Now there is know way to know if this is a good or bad thing in itself, you have to be careful at the lack of diversity which increases volatility and risk.
* Currency and FX impacts - by definition a S&P 500 tracker will have a USD currency risk, but an all world tracker has currency diversification. Trump seems to be trying his best to weaken USD . In the last year there has been a 10% change in USD2GBP, compared to a 13.5% growth of FTSE100. The worst thing is if there is a crash in US markets the USD will also weaken and you are doubling exposed.
* At the end of the day, an all world tracker is still heavily weighted to US market. It isn't a bet against the uS market, and in fact many investors will state something like VT is still too heavily weighted to the US and you should further explicitly diversify by adding something VEU which is a FTSE All-World without any US holdings.
thats based on a world eventy nothing to do with any signs of the USA markets at all...
TRump wants to pull the defence budget back,. which means Europeans need to start spending more of their own money.
it wasn't even unexpected hes been talking about it for ages now, it's likely absolute bluiff to make EU step up
whilst america keeps spending likely as much as it has been doing.
no doubt trump will want to modernise the armyt which means more drones and other tech and less big things like tanks
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I'm mostly out of the S&P for now, made great returns on it over the last few years so no hardship to jump out while all the stupid is going on. I'll sit it out in a money market fund at 4-5% with that money for a while and see how things go.
I'm still in a world ex UK fund though so still have some exposure.
I'm still in a world ex UK fund though so still have some exposure.
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