Vanguard Life Strategy

Reue

Ive been in since August, currently down 1%.. But im staying in for the long run

gadgetmind

guitarman001 wrote: »

TBH I see a big fall in the FTSE, but not immediately

It's going to rain, but perhaps not today.

Blimey, this predicting the future lark's a doddle, innit!

dunstonh

guitarman001 wrote: »

I was in about > 1 year ago, had to sell, put the money back in about 3ish months ago or more. TBH I see a big fall in the FTSE, but not immediately

We all know that there will be a big fall at some point. We just dont know when. There will also be a big gain and a period of nothing happening. This is why you average all these periods out over the long term and largely ignore the short term.

mark55man

gadgetmind wrote: »

It's going to rain, but perhaps not today.

Blimey, this predicting the future lark's a doddle, innit!

I find predictions about the future to be the most difficult, but predicting how the past is going to turn out is also quite hard

foofi22

I don't know if this has been mentioned, but the VLS fund may be available on Interactive Investor now.

I seem to remember it was 'available' some time ago but was just a test. I haven't actually bought any units or had confirmation/denial from them that it is now available mind!

black_taxi_2

waiting to see HL new fee structure first

takesyourchances

Still plugging away with the VLS and side funds, once the new tax year starts I can up my monthly payment again as nearing the limit, so it is set for £150 per month until April.

One of my side funds Cazenove UK Smaller Companies I opened only a few months ago is closing to new money next month. I only have £1000 in it and would of been happy to have kept this fund, but with it closing to more investment I think I am better off transferring out as I want to carry on drip feeding etc and I don't have a lot invested so far in it.

I was looking at the Marlborough Multi Cap fund as a replacement, I was thinking this gives a range of micro cap, small cap and medium cap with some large which is covered in the VLS, but mainly this idea is for mirco, small, medium coverage within the UK. The dividend so far is pretty good as well.

http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/m/marlborough-multi-cap-income-accumulation

I was thinking to transfer the Cazenove UK Smaller Companies to this as a replacement and carry on my drip feed that way.

Any opinions, maybe others are in a similar position?

Thanks.

takesyourchances

Happy New Year to everyone. Hope you are all looking forward to another year ahead

I am now one year into my investing into my stocks and shares ISA and looking forward to investing through this year. While novice I feel I have learnt a fair bit from this time last year and a lot of thanks is mainly to this great site.

With my S&S ISA I only have £450 left on my limit to be able to pay in to bring me to the new tax year so drip feeding £150 per month now to March then will increase it. £100 to the VLS and £50 to a side fund at the moment.

I have only made one fund change this year and it was changing the Cazenove UK Smaller Companies fund as I was only invested a few months and the fund is closing to new money and I wanted a fund I could keep drip feeding into and only had £1000 invested. However in the short period of time I was invested it went up 8% and I transferred it after a lot of consideration to Marlborough Multi Cap which will give a range of micro, small and medium as well as some large companies and I like this broad range, mainly for the micro, small and medium mix and there is a reasonable dividend to reinvest. So that is the only change in my side funds made for that reason.

So I plan to keep all of these as they are now and carry on the drip feeds and increase those in the new tax year in April. This is how everything stands now in the S&S ISA.

VLS 60% - Core holding
Standard Life Global Smaller Companies
Marlborough Multi Cap - This was newly changed over in December
First State Asia Pacific Leaders
First State Global Emerging Markets
Aberdeen Global Asian Smaller Companies
Aberdeen Japanese Smaller Companies

I plan to keep these the same and carry on through, only reason I changed to Marlborough was the closing of new money to the Cazenove UK Smaller Companies fund.

The side funds has proven to be interesting and good learning and behavior etc. At the moment out of them the Standard Life Global Smaller Companies is sitting at 13% now which is the highest percentage.

The fund that is in the red the most now is the Aberdeen Asian Smaller Companies, this was my first niche pick and I plan to stick with it and I am not freaked out in any way and will be buying through it and still like this niche. I want to hold for the long term. So this I think has been an interesting learning fund for volatility as in just under the year I have held it, it increased to 13/14% and at the moment is now at -9%. I still believe Asia is long term and growth potential is in smaller companies.

The other two that are down which I have seen many refer to on the site is the First State Asian Pacific Leaders, for me is -4% at the moment and First State Emerging Markets -7% for me at the moment. Will continue with these as these are long term views and Emerging Markets especially I feel.

The rest of the funds are all doing their thing and are up at the moment including the VLS so overall the portfolio is up and I will carry on as normal with this approach. The Marlborough Multi Cap is up 3.8% at the moment after the transfer a few weeks ago.

This is how things are a year later and looking forward to the year ahead.

Any thoughts or comments are welcomed.

Happy New Year.

SnowMan

Vanguard to lower charges on lifestrategy funds

https://www.vanguard.co.uk/documents/portal/press_releases/vanguard-to-lower-charges-on-lifestrategy-funds.pdf

hyposmurf

SnowMan wrote: »

Vanguard to lower charges on lifestrategy funds

https://www.vanguard.co.uk/documents/portal/press_releases/vanguard-to-lower-charges-on-lifestrategy-funds.pdf

That is good news,looking to invest in that at some point.It might also spur others on to lower charges.