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Results: Are you currently invested with Vanguard Life Strategy


47.47% • 300 votes


16.30% • 103 votes

No, but I would like to at some point

30.38% • 192 votes

There are better options than Vanguard

5.85% • 37 votes

You may not vote on this poll

632 votes in total.

    • Carpi09
    • By Carpi09 15th Jan 13, 6:37 PM
    • 293Posts
    • 262Thanks
    Vanguard Life Strategy
    • #1
    • 15th Jan 13, 6:37 PM
    Vanguard Life Strategy 15th Jan 13 at 6:37 PM
    Hello all,

    This thread was created to talk about the Vanguard Life Strategy fund which includes the 20/40/60/80 & 100. Please tell us what you think about the VLS and how you believe it would act as a core within a portfolio.

    Please be aware that investments can go up as well as down so unless you are planning to invest for several years, I don't recommend investing with S&S. From what I know and have researched the ideal time scales each of the LS funds are as follows:

    20: 3-5 years +
    40: 5 years +
    60: 5 years +
    80: 5-8 years +
    100: 10 years +

    These may well not be accurate and are a rough guide. Please be aware, if you are close to retirement or thinking about closing a fund, think about your risk attitude and what you can do in order to lessen the chance of a great fall.

    You can also suggest other funds outside Vanguard that would work well with the VLS in order to evaluate the balance of the portfolio.

    About me, Im 23 and planning early for my future. I intend to hold this fund for 20 years plus so fluctuations are bound to happen. Heavy drops will not effect me because i know values fall aswell as rise. I dont want to fall in to the trap that most people do which is to buy high and sell low because they panic.

    Currently I hold the Vanguard Life Strategy 80% with Hargreaves Lansdown and plan to put 50% of the ISA allowance into it each year. The other 50% will be put into a Cash ISA because I am saving up for a house deposit. Come April, I will be looking at adding other funds because I want more than just a passive approach and while I am still young, I would like to take the risk for greater gains.

    From all the research I have done, the VLS fund is perfect for a beginner because it does everything for you. Depending how the market is doing, it does the rebalancing for you. Having researched for around a month now and taking opinions from people on this board, I believe I have developed knowledge allowing me to move on a little and look for other funds to support the VLS fund. I still believe I am a beginner and will not rush into anything without researching and planning first.

    Please comment, suggest, discuss this fund and what experience you have had this far. Hopefully this thread will give confidence to people who were in the position I was, brand new to S&S and not a clue what anything meant. Taking the time to do a little research will not only improve confidence but improve knowledge too!

    I am sure there are plenty of books to read but one I have read recently is by Tim Hale called Smarter Investing. It is a great read and gives you all the information you need to start investing.

    Good luck!

    This opening post has been edited to give a tad more information and why this thread was created. All replies from other members from the start has been fantastic so thank you.

    MSE Insert:

    If you're new to saving for retirement read our Pension need-to-knows
    Last edited by MSE Andrea; 26-01-2016 at 9:40 AM. Reason: Improve opening post.
Page 80
    • Alexland
    • By Alexland 4th Oct 17, 9:46 PM
    • 438 Posts
    • 260 Thanks
    @ElizabethJane having seem your other thread where you are considering switching from Fundsmith to VLS the most comparible fund is VLS100 and the performance data can be seen at:

    VLS is much more diversified than Fundsmith which is highly concentrated and choosing your fund going forwards is more than simply comparing historic performance.
    Last edited by Alexland; 04-10-2017 at 9:52 PM.
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