Vanguard Life Strategy

bigadaj

guitarman001 wrote: »

Glad I never put everything into LifeStrat 100% as I'm only 0.65% up now - money's done better in the bank!

Taking the long term view then?

dunstonh

guitarman001 wrote: »

Glad I never put everything into LifeStrat 100% as I'm only 0.65% up now - money's done better in the bank!

It launched on 23rd of June 2011. So, had 2 years 5 months. In that time, it has grown 26.37%. How did your savings grow in that 2 years 5 months?

However, that is also too short term. You don't measure the quality or return of an investment in 2 months or 2 years. You average out the ups and downs over an economic cycle. An economic cycle is typically closer to 8-10 years.

The global investment sector average returned 102.51% over 10 years (upto 2nd Dec 2013). Doubled your money. How did your savings do in that period?

block10

guitarman001 wrote: »

Glad I never put everything into LifeStrat 100% as I'm only 0.65% up now - money's done better in the bank!

Savings in a bank are not comparable to a long-term investment in a fund.

The major equity indexes have fallen over the last few days and will obviously impact most equity related funds.

pip895

MinMoz wrote: »

On the cusp of being a 40% tax payer so worth using the S&S ISA.

Have you also looked at a SIPP - could keep you out of 40% for a while longer - gains are tax free in there too.

ds1980

Am i right in thinking that if i open a junior isa with Halfax. I can buy VLS 100% and the only charge would be £12.50 per year?

If so this looks like the cheapest way to buy this? Is it? Have halifax released their new charging structure yet? Plan is to invest moderately in this monthly for the next 16 years for the little guy. Theres a 6% cash isa if i open a cash isa with £1 so that will also get a little each month also

What other types of things may be good over time to put into the account? i hate fees so am mostly interested in etf's and trackers but not sure about where to go EM perhaps? Im quite heavily invetsed in UK myself so want to look further afield.

ta

ds1980

scrub that you can only invest in a scottish widows tracker! Their site is v confusing as are most of these platforms. I thought these things were meant to be transparent and clear!!! have lodged complaint with FCA

black_taxi_2

dunstonh

8--10 year economic cycles

where are we now?

thx

Freecall

black_taxi wrote: »

dunstonh

8--10 year economic cycles

where are we now?

thx

Presumably, by definition, if you invest today you are at year zero.

The point is that if you take a view over the full period you will tend to eliminate market fluctuations and just be left with the underlying real growth which is a function of the on-going economic improvement generated by us all as human beings.

black_taxi_2

yeah I confused it with,bear,bull cycle--doh

A_Flock_Of_Sheep

The markets seems to have run out of steam at the moment. All I seem to see is "markets fall ahead of key important data". How much sodding data needs to keep coming to ruin it. The moment you get any "good news" like Unemployment is down the markets fall when really they should rise.

It seems not a week goes by where key data and mining problems aren't causing a problem. When are we going to have a run of decent news to lift the markets. New investors need it.

So all the while you have "markets fall ahead of key data" and then "unemployment down markets fall" the whole thing will just head south. I have a feeling its all down hill for a while.

It seems the only news that will make it rise up is "continuation of QE to carry on for 25 years". So basically it is just QE keeping it going so once withdrawn we are all in the doo doo.

So instead of just murmurs of tapering QE which cause a right royal wobble on the markets quite frankly I wish the would just say "All QE to end on 31 December 2013" and then just get the inevitable market crash over with so we can all just dust ourselves down and know that's another thing not propping up the share prices.