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  • Going round in circles with google. I have a Vanguard sipp and I’m going to change from a target retirement fund (still at 80/20) to VWRL.

    I assume I should actually get the VWRB accumulating version, or is there a downside to this? I keep a small amount of cash to cover fees.

  • VHVG might be worth a look too (developed world equity only) as the fees are 0.12% and 9% better return over last 5years

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