ISA Transfers in....Vanguard....
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I notice from TheOtherForum that Vanguard are 'massively' increasing their costs for people with <£32K from later in January. Our offspring will fall into that trap
They already have pensions with Cobens
Not sure what they will do - we will discuss over mince pies when they are bored of Christmas 🤪How easy/fast is the process for transferring in like these days, in case they fancy transferring it in here?
I see the fact sheets are at https://www.intelligentmoney.com/portfolios#comp-livoayd53
Don't suppose there is a single summary of the options available to compare?
(#LazyMe) -
I notice from TheOtherForum that Vanguard are 'massively' increasing their costs for people with <£32K from later in January. Our offspring will fall into that trap
They already have pensions with Cobens
Not sure what they will do - we will discuss over mince pies when they are bored of Christmas 🤪How easy/fast is the process for transferring in like these days, in case they fancy transferring it in here?
I see the fact sheets are at https://www.intelligentmoney.com/portfolios#comp-livoayd53
Don't suppose there is a single summary of the options available to compare?
(#LazyMe)Hi Mike
Vanguard can be a little tricky, but now they use Origo it will be an electronic transfer in so shouldn't take too long.
I will mail you over a performance summary for the portfolios
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Hi Mike
Vanguard can be a little tricky, but now they use Origo it will be an electronic transfer in so shouldn't take too long.
I will mail you over a performance summary for the portfolios
@Nik-Burrows said in ISA Transfers in....Vanguard....:
I will mail you over a performance summary for the portfolios
That Performance Summary for all portfolios sounds like an interesting thing to have a peep at. I'm an idle hound and like to avoid work whenever possible .... any chance of publishing it on the website (or perhaps just putting a copy up on here)?
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We will publish something at the year end, given we are so close now. The file Nik refers to is model performance which will vary from actual portfolio performance because it is calculated month to month based on the model weights whereas in reality the daily real performance uses actual moving weights.. In a rising market it will understate the growth by 1-3%. Performance from the top is Tech, Lifestyle Growth, IM 100, Equity.
The same applies to FX, month to month is not the same as daily because again, the compounding effect can either amplify or offset the overall monthly growth rate depending on the direction and magnitude on a daily basis. You also have what is called the 'Base Effect' where daily fx moves are relative to the prior day whilst monthly moves compare longer periods.
When I state returns, they are actual portfolio returns. The Fact sheets use a point to point monthly performance. Hope that makes sense
. The fact sheets(to November) are here near the bottom of the page https://www.cobensdirect.co.uk/literature-library