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regular saving low/cost index isa?

the vanguard us equity index(tracks total S&P 500)

.20% + platform fee £2 a month

this would be porfolio

is it best to save fees---to just invest in this fund or diverse into other funds europe/pacific ect but would add much higher fees
£48515 interest £181 (2009)debt/mortgage-MFIT/T2/T3
debt/mortgage free 28/11/14
vanguard shares index isa £1000
credit union £400
emergency fund£500
#81 save 2018£4200

Comments

  • gadgetmind
    gadgetmind Posts: 11,130 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Would this be your only holding? Have you looked at the Vanguard Lifestrategy funds - the fees are slightly higher, but you get global exposure with rebalancing.
    I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.

    Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.
  • black_taxi_2
    black_taxi_2 Posts: 1,816 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    yeah thx---vanguard life strategy

    its .56% + platform

    global exposure with re-balancing ---would save alot of costs

    looks good
    £48515 interest £181 (2009)debt/mortgage-MFIT/T2/T3
    debt/mortgage free 28/11/14
    vanguard shares index isa £1000
    credit union £400
    emergency fund£500
    #81 save 2018£4200
  • gadgetmind
    gadgetmind Posts: 11,130 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    For what it's worth, my wife's SIPP is invested 80% in Vanguard LS 100% equities and 20% into some active bond funds. Fixed interest scares me more than equities right now, but I'll probably switch to passive for this too in the medium to long term.
    I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.

    Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.
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