Advice on tracker portfolio

[pauper79]

Hello, newbie here. I recently moved an old workplace pension to a SIPP. I would like to invest into low cost equity tracker funds. Not keen on a global tracker due to high US exposure. I also prefer well-established UK domiciled funds and physical replication where possible (although I have made some exceptions).

I've identified seven funds to invest into. They all seem to be available through Halifax, which is my SIPP provider. I would welcome a sanity check from people here in case I am missing anything obvious. I am happy with the investment split but not sure if I have chosen the best funds. In particular, there seem to be several share classes available for the L&G funds, but the only ones available on Halifax are the "I" class. I thought they were for institutional investors only. Totally confused.

25% - Vanguard US Equity Index Fund, GB00B5B71Q71
25% - Vanguard FTSE UK All Share Index Unit Trust, GB00B3X7QG63
5% - Vanguard Global Small-Cap Index Fund, IE00B3X1NT05
25% - Legal & General European Index, GB00B0CNGR59
8% - Legal & General Japan Index, GB00B0CNGW03
7% - Legal & General Pacific Index, GB00B0CNGY27
5% - iShares Emerging Markets Equity Index Fund, GB00B84DY642

Thanks!

[Spet0789]

Often platforms will negotiate access to the institutional share classes for their customers. They have lower fees.

Bear in mind that the institutional share class may have a 1 million minimum investment but across Halifax’splatform they may have multiples of that. The fund provider will just see the holder as “Halifax as nominee” or similar holding £100,010,000 of their fund (or whatever). They don’t know that the £10k is you and the rest is all the other investors.

[pauper79]

Ah that makes sense thank you

[SPURLEY]

Hello Pauper 69 , a question , are you selling your workplace pension positions and re investing the money into what you mention , or are these new investments .

[pauper79]

I moved to the SIPP and bought some funds without doing much research. Now I have done some research so am looking to change funds within my SIPP. I will not be adding to the account so it will just sit there.

[Adamski]

Hi pauper79, my top 2 investments are VWRL Vanguard Global ETF - 57% US equities, and Vanguard lifestrategy 60% Equity A Acc - 29% US equities. IMO long term can't really go wrong with these, as you're investing in the entire market. Cheers, Adam