100K ISA Strategy -10yr horizon ?

👑 £100k ISA Strategy (10-Year): Best Global Tracker & Lump Sum vs Drip-Feed?

Hi everyone,

I’m about to invest £100,000 into a S&S ISA with a 10-year growth horizon. I want a simple, global, set-and-forget approach that’s as low-cost as possible. I’d really appreciate views on three things:

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1. Fund Choice – is cheaper actually better here?

I’ve narrowed it down to FTSE All-World accumulating trackers:

• HSBC FTSE All-World – OCF 0.13%
• Vanguard FTSE All-World (VWRP) – OCF 0.22%

On paper, HSBC looks like the obvious winner over 10 years purely on cost. But a lot of people still default to Vanguard.

• Is the concern about HSBC’s tracking error genuinely strong enough to justify the extra 0.09% OCF for Vanguard?
• Has anyone run actual return comparisons between the two?

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2. Is there a better global setup I’m missing?

Are these really the best options for simple global diversification, or is there a smarter route? For example:

• MSCI World + Emerging Markets combo
• Any other lower-cost global alternative that’s worth considering

I’m open to other options if there’s data or a clear rationale behind them.

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3. Deployment strategy & platform costs

a) Lump sum vs drip-feed

With £100k, is it still sensible to ignore nerves and invest it all at once, or would you:

• Spread it over 3–6 months to reduce bad-timing risk?
• Or even longer?

b) Cheapest UK platform at this level

For a £100k+ ISA in one of these funds, which UK platforms work out cheapest once you factor in both:

• Platform fees, and
• The fund’s OCF?

I’m assuming a fixed-fee broker will be better at this size, but would be great to hear which ones people are actually using for this kind of setup.

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Thanks in advance for any input.