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89. Are These The Best Funds And ETFs For UK Investors In 2025?

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January 29, 2025

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In this episode of the podcast, hosts Andrea and Jamie discuss key investment options for UK investors in 2025, focusing on popular ETFs and managed funds. They highlight the importance of starting investments with diversified options and provide insights into selecting the best funds for one's financial goals.

Overview of ETFs and Managed Funds

  • ETFs (Exchange-Traded Funds): These are baskets of investments, including stocks and bonds, that are traded on the stock market. They typically track an index and are passively managed, resulting in lower fees compared to actively managed funds.
  • Managed Funds: These funds employ fund managers and analysts to seek higher returns by selecting specific investments, usually charging higher fees.

Top 5 ETFs for UK Investors

  1. Vanguard S&P 500 (VUSA)

    • Description: Tracks the performance of 500 leading US companies, including giants like Apple and Amazon.
    • Returns: 13.8% annual return over the past five years.
    • Expense Ratio: 0.07%.
  2. Vanguard S&P 500 Accumulating (VUAG)

    • Difference: Automatically reinvests dividends, resulting in a higher return of 15.4% per year.
  3. iShares Core S&P 500 (SXR8)

    • Description: Similar to Vanguard but managed by iShares.
    • Expense Ratio: 0.07%.
  4. Vanguard FTSE All-World (VWRP)

    • Description: Tracks over 4,000 companies globally, providing diversification beyond the US market.
    • Returns: 11.4% annual return, but with a higher expense ratio of 0.22%.
  5. iShares S&P 500 Information Technology (IITU)

    • Focus: Specifically targets technology companies within the S&P 500.
    • Returns: 24% per year over the last five years, albeit with less diversification.
  6. iShares Physical Gold (SGLN)

    • Description: Tracks the price of gold and is backed by physical gold holdings.
    • Returns: 11.2% annual return over five years.
    • Expense Ratio: 0.12%.
  7. iShares Global Clean Energy ETF (ICLN)

    • Description: Invests in companies in the clean energy sector.
    • Performance: -1.7% annual return over five years, reflecting volatility in the sector.
    • Expense Ratio: 0.65%.

Managed Funds to Consider

  1. Jupiter India Fund

    • Objective: Outperforms the MSCI India Index through strategic stock selection in India.
    • Returns: 17.3% annual return versus the benchmark's 12.6%.
  2. Rathbone Global Opportunities Fund

    • Focus: Invests globally with a concentrated portfolio of around 50-60 companies.
    • Returns: 11.4% annual return against a 9% benchmark.
    • Expense Ratio: 0.51%.
  3. Artemis Global Income Fund

    • Focus: Global income generation through dividends.
    • Returns: 11.5% with an expense ratio of 0.87%, noting it slightly outperformed its benchmark.
  4. Fidelity Global Dividend Fund

    • Return: 8.42%, higher than its benchmark with a fee of 0.91%.
  5. JP Morgan US Equity Income Fund

    • Returns: 9.6%, lagged behind the S&P 500 despite its dividend focus.
    • Expense Ratio: 0.64%.

Conclusion

This episode provided valuable insights for UK investors looking to diversify their portfolios in 2025. Major themes included:

  • Diversification is Key: Opting for ETFs can reduce risk while familiarizing oneself with the investing landscape.
  • Evaluate Performance and Fees: Consider both historical returns and the costs of funds when making investment decisions.
  • Knowledge is Power: Understanding the different types of funds available is crucial for making informed choices.

Tune in for more financial education and insights in future episodes!

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