Ray Dalio
All-Weather Portfolio
Which
Platform?
Platform | Interactive Investor | AJ Bell | Hargreaves Lansdown |
ISA availability | Yes | Yes | Yes |
Range of investments | Broad | Broad | Broad |
Hold funds and/or ETFs | Both | Both | Both |
Fund invest costs | £7.99 (1 free / month) | £1.50 | Free |
ETF invest costs | £7.99 (1 free / month) | £9.95 | £11.95 |
Regular fund costs | Free | £1.50 | Free |
Regular ETF costs | Free | £1.50 | £1.50 |
Platform fees | £9.99 / month | FUNDS: First £250,000 0.25%�SHARES: 0.25% (max £7.50/qtr) | FUNDS: First £250,000 0.45%�SHARES: 0.45% (max £45/yr) |
Transfer in/out/as-is | Free | £25 / trade as-is | £25 / trade as-is £25 / cash out £30 closure fee |
Re-invest income | £0.99 | As-above | 1% (£1-10) |
Funding Platforms Compared
Platform | Interactive Investor | AJ Bell | Hargreaves Lansdown |
£12,000 invested, monthly regular investor, rebalanced yearly | |||
ETF invest costs | £0 | £50 £10 x 5 trades / year | £60 £12 x 5 trades / year |
Regular ETF costs | £0 | £90 £1.50 x 5 x 12 | £90 £1.50 x 5 x 12 |
Platform fees | £120 £10 x 12 | £30 £7.50 x 4 | £45 |
Transfer in/out/as-is | £120 | £170 £50 + £90 + £30 | £195 £60 + £90 + £45 |
£100,000 invested, no regular investing, rebalanced yearly | |||
ETF invest costs | £0 | £50 £10 x 5 trades / year | £60 £12 x 5 trades / year |
Regular ETF costs | £0 | £0 | £0 |
Platform fees | £120 £10 x 12 | £30 £7.50 x 4 | £45 |
Transfer in/out/as-is | £120 | £80 £50 + £30 | £105 £60 + £45 |
Two Example Situations
Platform | Interactive Investor | AJ Bell | Hargreaves Lansdown |
£12,000 invested, monthly regular investor, rebalanced yearly | |||
ETF invest costs | £0 | £50 £10 x 5 trades / year | £60 £12 x 5 trades / year |
Regular ETF costs | £0 | £90 £1.50 x 5 x 12 | £90 £1.50 x 5 x 12 |
Platform fees | £120 £10 x 12 | £30 £7.50 x 4 | £45 |
Transfer in/out/as-is | £120 | £170 £50 + £90 + £30 | £195 £60 + £90 + £45 |
£100,000 invested, no regular investing, rebalanced yearly | |||
ETF invest costs | £0 | £50 £10 x 5 trades / year | £60 £12 x 5 trades / year |
Regular ETF costs | £0 | £0 | £0 |
Platform fees | £120 £10 x 12 | £30 £7.50 x 4 | £45 |
Transfer in/out/as-is | £120 | £80 £50 + £30 | £105 £60 + £45 |
Two Example Situations