Alternatives to Vanguard LifeStrategy
Comments
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Which Legal & General multi index class is around the same risk/level as the VLS60.
Legal & General Multi Index 3 (Class I) (Acc)
Legal & General Multi Index 3 (Class I) (Inc)
Legal & General Multi Index 4 (Class I) (Inc)
Legal & General Multi Index 4 (Class I) (Acc)
Legal & General Multi Index 5 (Class I) (Inc)
Legal & General Multi Index 5 (Class I) (Acc)
Legal & General Multi Index 6 (Class I) (Acc)
Legal & General Multi Index 6 (Class I) (Inc)
Legal & General Multi Index 7 (Class I) (Acc)
Legal & General Multi Index 7 (Class I) (Inc):T0 -
Depends who's measuring the risk and how, but, for example, the view from Trustnet is that VLS60 is a 57 on their scale, with L&G 5 at 54 and L&G 6 at 67.0
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You don't need to differentiate between the Acc and Inc classes as regards risk, they are the same underlying fund0
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Ok thanks for the replies,
L&G 5 Acc looks good.:T0 -
Vanguard have a retirement funds now that derisks as you age - so you start off at 80/20 and end up 20/80- could be an option?0
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The L&G Multi index 5 has a higher ongoing charge of 0.31% against 0.22% with the VLS60, so the L&G 5 will have to do better over time to compensate?:T0
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The L&G Multi index 5 has a higher ongoing charge of 0.31% against 0.22% with the VLS60, so the L&G 5 will have to do better over time to compensate?
Note that published performance always includes the effect of fund charges.
Differences in what the funds invest in will have a much larger effect than 0.09% in charges. In each of the past 3 years the returns were:
VLS 60: 20.2%,1.0%,11.4%
L&G 5: 17.4%, -0.7%, 11.7%
The figures dont tell you one fund is better than another - for example it could well be that the L&G fund is a bit more cautious or has a different geographic allocation.0 -
Another good alternative to VLS and L&G is the HSBC Global Strategy range of funds. They are cheap and performed well in comparison to the other two. It has less holdings in the UK which with Brexit some people believe is good? It's just another option for research.0
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Another good alternative to VLS and L&G is the HSBC Global Strategy range of funds. They are cheap and performed well in comparison to the other two. It has less holdings in the UK which with Brexit some people believe is good? It's just another option for research.Note that published performance always includes the effect of fund charges.
Differences in what the funds invest in will have a much larger effect than 0.09% in charges. In each of the past 3 years the returns were:
VLS 60: 20.2%,1.0%,11.4%
L&G 5: 17.4%, -0.7%, 11.7%
The figures dont tell you one fund is better than another - for example it could well be that the L&G fund is a bit more cautious or has a different geographic allocation.
Ok thanks,i will also look at the HSBC option if i can gauge the same risk level as the other 2:T0 -
Another good alternative to VLS and L&G is the HSBC Global Strategy range of funds. They are cheap and performed well in comparison to the other two. It has less holdings in the UK which with Brexit some people believe is good? It's just another option for research.
https://www.trustnet.com/Factsheets/Factsheet.aspx?fundCode=0GF7N&univ=O
To me it looks like a good option to have in addition to VLS so as not to have all my eggs in the VLS basket. It also seems to have less exposure to UK Equity than VLS and also includes property.
I'd be interested to see what others think of this fund.0
This discussion has been closed.
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