Master portfolios to beat Hargreaves Lansdown’s

(Back to Conservative / UK&USA)

Conservative / UK & USA / ESG model portfolio

This master portfolio is for conservative UK investors (those who want to minimise the risk of falls in value, and who are prepared to forego higher returns as a consequence), wanting to invest in a diversified portfolio across the UK & USA markets, who want to invest in ESG investments only.

This investment master portfolio contains 4 ETFs, and a healthy cash buffer:

ETFWeightingAnnual yield, %Annual expenses, %
UKSR: UBS MSCI UK IMI Socially Responsible Equities ETF15%5%0.28%
SUUS: iShares MSCI USA SRI ETF15%4%0.20%
VUTY: Vanguard US Treasury bonds ETF30%2%0.07%
IGLT: iShares UK Gilts ETF30%1%0.07%

This portfolio has only 30% equities, split 1:1 USA: UK. This represents significant ‘home bias’ towards the UK’s FTSE, compared to the global average. These ‘socially responsible’ ETFs track the biggest companies in the index – which constitute over 80% of the total stock market.

The bond portion of this master portfolio is invested 50:50 into US Government bonds and UK Government bonds.

3 thoughts on “Master portfolios to beat Hargreaves Lansdown’s”

      1. Neat tool! My broker is quite expensive for fx which is a pity for SUWS / SUSW when so many other things are chewing away at returns.

        Liked by 1 person

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