Alternatives to Vanguard LifeStrategy

roxy28 · 17 May 2017 at 12:05PM

eskbanker · 17 May 2017 at 12:16PM

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.

ColdIron · 17 May 2017 at 12:30PM

You don't need to differentiate between the Acc and Inc classes as regards risk, they are the same underlying fund

roxy28 · 17 May 2017 at 2:21PM

Ok thanks for the replies,

L&G 5 Acc looks good.

principa · 17 May 2017 at 3:06PM

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?

roxy28 · 18 May 2017 at 1:55PM

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?

Linton · 18 May 2017 at 2:39PM

roxy28 wrote: »

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.

Sally57 · 18 May 2017 at 2:47PM

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.

roxy28 · 18 May 2017 at 4:22PM

Sally57 wrote: »

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.

Linton wrote: »

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

Audaxer · 18 May 2017 at 9:31PM

Sally57 wrote: »

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.

I like the look of the HSBC Global Strategy Balanced Portfolio:
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.

Alternatives to Vanguard LifeStrategy

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