Vanguard Lifestrategy dividends?

Newbie2saving

I know it is a well over used phrase, but you only live once. Whatever option you choose, you are earning good money. Now what about the experiences on offer? Have you ever fancied working away for a year or two? It may present further opportunities and life experiences which you cannot buy.

I know you are worried about the shares, but shares are for the long term, so don't see it as a loss unless you need to cash them in(???). Dividends and any future growth will hopefully ease the pain.

Your 'emergency fund' is well covered with your savings, your attitude to risk though has been highlighted, and don't think Vanguard won't have ups and downs, although maybe less volatile then those you have experienced of late (I'm not much older than you and I am going for the 80% VG LS I think).

Only you can decide what option is right for you, wishing you every bit of luck whatever you decide.

black_taxi_2

isnt aim shares SIPP only--longterm

black_taxi_2

get rich slowly my friend

gadgetmind

guitarman001 wrote: »

How do you pay the £2 per month, cash sitting in the ISA account? What if there is none?

From their site - "Once a month, we sweep your account for outstanding fees. By default we will attempt to collect this money from income on this account and if there is insufficient income we shall collect the fee from other cash you hold in the capital account, then loyalty bonus and finally from your Fund & Share Account."

If all of those fail, the fees remain outstanding and can be paid by debit card.

You can send a message to HL to ask them to change the default given above.

Thrugelmir

simonfitba wrote: »

So about 2% yield or am I reading that wrong?

That's the underlying return on the investments held.

lvader

black_taxi wrote: »

isnt aim shares SIPP only--longterm

A lot of aim shares don't last that long. Seriously I trade Aim shares knowing that I'm happy to hold long term if they don't perform as I'd hoped, but in most cases I'm looking for a 6 months turn around. I also start small so if a share drops 50% it's not such a big deal to double down if I feel it warrants it.

ps Aim shares only account for about 3-4% of my investments.

guitarman001

gadgetmind wrote: »

From their site - "Once a month, we sweep your account for outstanding fees. By default we will attempt to collect this money from income on this account and if there is insufficient income we shall collect the fee from other cash you hold in the capital account, then loyalty bonus and finally from your Fund & Share Account."

If all of those fail, the fees remain outstanding and can be paid by debit card.

You can send a message to HL to ask them to change the default given above.

So they take it initially from the fund gains themselves (how do they do that if accumulation)? I've -mailed them, thanks again

Regarding what I should do... undecided! I've almost got what I've wanted for a while... well-paying job that's not too stressful that I enjoy.. long-term girlfriend.. property expensive but not outrageous if I am willing to drive 40mins each way (detached house for £160k). I could settle down, get the house.. sorted. At the same time there may always be what-ifs... I DO feel I should work abroad even if only to satisfy any urges. It's less 'I'm dying to do it' and more out of some sense of 'I SHOULD do it' - plus, like you say, who knows what other opportunities there are. Unfortunately this would take me further from my girlfriend and my savings would decrease (but income would increase - and I have to move out of home some time). A lot of money would be 'wasted' on rent, especially in expensive cities like Munich. Plus I do NOT want to burn bridges at work - it's a great place and I do enjoy it. I'm quite indecisive when it comes to this.....