Master portfolios to beat Hargreaves Lansdown’s

(Back to Conservative / UK&USA)

Conservative / UK & USA / ESG

This master portfolio is for conservative 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%
Cash10%0%0%

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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