Retirement Investment

General
1

Just started my investment journey looking at retirement in 20 years.

Im now age (43)

I’ve gone

FTWG 30%

VHYL 30

VFEG 30

SGLN 10%

Any feedback would be very much appreciated.

1 Like
2

@Bap

Morning :grinning: :wave: ,

What’s your thinking behind these ETF’s/allocations? What are you trying to achieve?

3

You dont fancy investing in Starmer’s Britain then!?

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4

FTWG and VHVG have almost identical allocations, with the former investing a small percentage in EM. Personally I don’t see the advantage in having both.

Also, I’d use accumulation ETFs so you don’t need to bother reinvesting dividends

5

Agree with a previous poster, use accumation versions of etfs (eg FWRG). Also, if you want to manage emerging markets separately from a global etf, I’d use the MSCI global index instead of FTSE, as MSCI doesn’t include the etfs directly. You could use a single etf such as ACWI (MSCI + Emerging), but if you want your own weighting just do the two MSCI’s (e. g. SWLD and SEMA), or if you are set on Vanguard, just use FWRG.