Vanguard Life Strategy

Crag30

guitarman001 wrote: »

Yep, down from peak ~155 to 140, 2% drop yesterday alone.
Wondering whether to wait then add... or sell and wait and then add...

Sorry everybody, you can blame me. :embarasse
It seems to have gone downhill since I started my investment journey a few weeks ago :doh:

SpeedSouth

Crag30 wrote: »

Sorry everybody, you can blame me. :embarasse
It seems to have gone downhill since I started my investment journey a few weeks ago :doh:

Me too.. Been posting all sorts over last few months, regarding S&S, MTG OP pensions, how to invest Got it all organised last week and it's fallen already..
:doh:

BLB53

My current investment plan is a very simple one to invest all in the VLS 80 Acc via Cavendish Online in a single lump sum and add (as above) monthly contributions to reach the max ISA allowance. I have chosen VLS 80 as it suits my risk profile and I don't plan on touching the money for >15 years.

This looks like a good plan to me - obviously the regular monthly contributions should help to even out the ups and downs of the markets over the longer period of 15+ yrs.

Interesting post on monevator today regarding VLS - http://monevator.com/using-vanguard-lifestrategy-funds-life/

As you say, the missing element of property could be added at some stage but for me the VLS range provide a good core holding.

Gadfium

Crag30 wrote: »

Sorry everybody, you can blame me. :embarasse
It seems to have gone downhill since I started my investment journey a few weeks ago :doh:

Over the life of the investment, small movements are to be expected. Ten years from now you won't remember this movement, and hopefully, you'll be sitting on a much bigger pot of money!

I've dropped £10K into my 80% today....I was pondering holding on, but then I'm into trying to time the markets. Better off to whack it in, and let it do it's stuff.

takesyourchances

Thought I would check in on this thread as it has been a while. I am still keeping to the my VLS investments as well and buying through these market conditions at the moment as normal.

I had been meaning to transfer my Halifax stakeholder pension into my SIPP to the VLS 80% for a while now and I have finally set the transfer up so I will merge this across to my SIPP for the VLS 80%.

I am 36 years old, so will plug on for the long term and stick to the plan.

Interested how others have been doing with their VLS across this topic.

Thanks.

Kendall80

I switched both my boys JISAs to this fund in April. Not being happy with 2.7% interest in their cash CTF. We all know whats happened to the stock markets since then Not a reflection on the fund just terrible timing on my part.

takesyourchances

Kendall80 wrote: »

I switched both my boys JISAs to this fund in April. Not being happy with 2.7% interest in their cash CTF. We all know whats happened to the stock markets since then Not a reflection on the fund just terrible timing on my part.

In the long term this should hopefully pay off for your boys and good luck with that and hopefully you are buying through getting some cheaper prices as well.

My Stakeholder pension transfer is in process to my VLS 80% in my SIPP and my employers contribution as well so this should all be in place for next month.

Thanks

Cactus_Jack

Hi all. I've decided to read every page of this thread, currently up to page 43! I have opened a small investment in LS 80 acc.

The thread seems to have tailed off a bit. How are you all getting on with LifeStrategy?

Gadfium

Cactus_Jack wrote: »

Hi all. I've decided to read every page of this thread, currently up to page 43! I have opened a small investment in LS 80 acc.

The thread seems to have tailed off a bit. How are you all getting on with LifeStrategy?

The investments that I made in 2013 are now worth 17% more than the purchase price.
2014's lot are worth 17.1% more.
2015's drip feeds are only up 1.9%
2016's are up 3%.
<Edit> All are VLS80% ACC.


I have another small holding in VLS80% INC which was purchased in Sep 2015. That's currently +7.5%.

Most of these are held in i-WEB ISAs so the running costs are very low.

bowlhead99

The VLS100 ACC that I bought in mid-August 2012 cost £103.63. On Friday it was £148.297. So that's about 43%. However at the time of buying it there was also a £13 dilution levy on buying about £6,000 worth, which is about 0.2%, and I use a platform which charges 0.2% a year to hold. So it's probably more like a 42% return instead of a 43% return over the ~3.5 years.

It has 'done what it said on the tin' at the outset, though I'm happy they reduced the UK weighting after a while, which has worked out better than if they didn't.