HSBC FTSE All-World vs Vanguard FTSE All-World (Dist)
HSBC FTSE All-World and Vanguard FTSE All-World (Dist) both track FTSE All-World. Before fees, they should perform almost identically — so the annual fee (TER) is the single biggest factor separating what you'll actually end up with.
Comparison
| HSBC FTSE All-World | Vanguard FTSE All-World (Dist) | |
|---|---|---|
| TER | 0.13% | 0.22% |
| Hist. return* | ~8% | ~8% |
| ISIN | GB00BMJJJF91 | IE00B3RBWM25 |
| Replication | Physical | Physical |
| Distribution | Accumulating | Distributing |
| Domicile | Reino Unido | Irlanda |
The real cost: TER compounded
Contributing €300/month over the same years to both funds, here's the final wealth:
| Horizon | HSBC FTSE All-World | Vanguard FTSE All-World (Dist) | Difference |
|---|---|---|---|
| 10 years | €54,845 | €54,567 | €278 |
| 20 years | €175,019 | €173,067 | €1,952 |
| 30 years | €438,339 | €430,408 | €7,930 |
HSBC FTSE All-World ends up with more wealth at all three horizons, purely thanks to its lower fee.
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Create free accountFrequently asked questions
What's the real difference between HSBC FTSE All-World and Vanguard FTSE All-World (Dist)?+
Both track FTSE All-World, so the expected gross return is the same. The difference is the fee: 0.13% for HSBC FTSE All-World vs 0.22% for Vanguard FTSE All-World (Dist).
Which one is cheaper over the long run?+
With €300/month over 20 years, HSBC FTSE All-World would end up with roughly €1,952 more, purely from the lower fee compounding over time.
Can I have both at the same time?+
Yes, nothing stops you — but since they track the same index, holding both mostly adds complexity (two lines to rebalance) without real diversification.
Does a lower TER always mean it's the better choice?+
Usually yes for two funds tracking the identical index, but also check replication method, distribution policy (accumulating vs distributing) and where you can actually buy it before deciding.
Other comparisons
* Indicative long-term annualized historical return of the benchmark index, not the fund. Always check the up-to-date TER, risk and data in the official factsheet linked. Past returns do not guarantee future returns.