Master portfolios to beat Hargreaves Lansdown’s

(Back to intro page)

Master portfolio – for child

This section examines master investment portfolios for investors looking for a portfolio for a child.

Investing for kids should typically have a long term outlook; the ‘Adventurous’ portfolios will often be appropriate. That being said, putting money away ‘for university’ is less long term than a 30 year old putting money away ‘for retirement’.

The psychology with children’s portfolios will often be a little different than adults psychology’. Younger generations are typically more globally minded, more likely to value sustainability, and more comfortable with technology. This ‘child’s portfolio’ reflects these assumptions.

This investment portfolio contains 5 ETFs:

ETFWeightingAnnual yield, %Annual expenses, %
VUKE: Vanguard FTSE-100 ETF15%5%0.09%
SUUS: iShares MSCI USA SRI ETF35%2%0.20%
CNDX: iShares NASDAQ-100 ETF15%0%0.33%
VFEM: Vanguard FTSE Emerging Markets Equities ETF15%2.9%0.22%
AGGG: iShares Global Aggregate Bonds ETF20%1.6%0.10%

This portfolio has 80% equities, split 50:15:15 USA: Emerging markets:UK. The USA equities are mostly those in MSCI’s Sustainable index, with the balance in the tech/growth-orientated NASDAQ-100.

The bond portion of this master portfolio is invested globally. The normal guidance of keeping the fixed income exposure in the country you live in feels like limiting a child’s horizons.

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

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s