Vanguard Life Strategy

takesyourchances

guitarman001 wrote: »

It's good to share ideas etc, but don't spend too much time on this! Leave them be and go live your life lol!!

My funds are up ~2.8% since putting money in just a couple weeks ago! OK, might dip.. but still... better than the bank so far!

I chucked £1k at my student loan yesterday. Used to be £15kish. Now £5.3k. I know, I shouldn't... but I'd like to see it paid off.

Yes for sure it is good to share ideas and agree, leave them be and live life as well :beer: to be honest there is not much fiddling I can do anyway asides adjusting drip feeds for a while :rotfl:

Yes my funds have risen well in recent weeks and if they froze now for a year they would beat the bank so far! the potential is there so it is a matter of the long term and leaving.

Well, it is always good to beat down a loan / debt and at the same time be nice to finally see your student loan paid off so worth while putting £1K off it

Really for me it is the drip feeding each month so there will be a good lot of leaving alone and just changing amounts and a busy summer is ahead which is great :T

This type of investing suits me as that is really as hands on as I would want to be and can lazily leave them to do their do

After I add maybe the First State Asian Pacific fund later this year, that would be 5 side funds so wouldn't think there would be to much more for a while after that

MadMat

Slow and steady wins the race for me! I'm just going to leave the 100 a month DD running for a few months. I'm not entirely happy with my rainy day cash fund, so will be putting most of my spare cash each week into my cash isa. Once I'm sitting on 3 months income plus enough replace my car (currently 8 years old) I might increase the s&s isa allocation and reduce the cash.

takesyourchances

The main thing is to be started and into the mindset of it Mat so that is great I am still balancing with cash as well but have enough for any emergency's and my car will need replaced at some point as well, but I will get a bit more out of it hopefully and my mileage is not massive.

Quick question anyone, as I opened my previous funds and trackers with lump sums of £500 and above this year, would I be right in saying I can take on a new fund / tracker exposure by a min £50 monthly drip feed?

For example in April with my drip feeds on the 7th could I allocate on my HL account say £100 to the First State Asian Pacific Leaders and would that open the exposure?

If I could do this I might open it on a drip feed amount to start the exposure and can drip feed with the view of bumping up the amount in October with a lump sum to more were I would like it.

Is this possible?

Thanks.

MadMat

I don't see any reason why not. I started my vls 80 with 100 on direct debit, no lump sum needed.

I'd play around in the regular investing section of the hl site and see if it will let you set up what you want to do.

Mat

Totton

Should be fine at HL, we opened a fund with a simple £50 a month direct debit, we can change the fund being bought at any time although if too late for that months purchase the change takes effect the month following.

HTH,
Mickey

takesyourchances

Thanks Mat and Totton, that sounds good to me to get the First State Asian Pacific Leaders opened and at least get something into it and some drip feeds every few months rather than wait to October for a lump sum to open, £100 would suit me fine to start it off with and then I can alternate between the funds until I can put a bit of a lump sum in. This is one of the main funds I would like to hold on the side.

I will have a play on HL's site as I could set that up now and then it would be ready in good time for April 7th's direct debit and would open it for me in the new tax year.

I also had the BlackRock Global Property Tracker in mind on a low holding at some point to diverse a little from equities and bonds etc and that is a possibility on a £50 drip opening as I was thinking about this BlackRock tracker sometime at a lower holding than the rest I have.

Thanks for the info there good to know this is possible and will have a look on HL and change the feeds around

takesyourchances

I went onto my HL account and set £100 for April 7th to start off the First State Asian Pacific Leaders Acc so that will be a first opening of that fund which I would like to have.

Once that would be added I would have the following opened and this is what I will be drip feeding for next month although it wouldn't be as high as this month to month it will change and the side funds will change for drips etc.

VLS 60% - Drip feeding £250
Standard Life Global Small Cap
Aberdeen Global Asian Smaller Companies - Drip Feeding £50
First State EM - Drip Feeding £50
Aberdeen Japanese Small Cap
First State Asian Pacific Leaders -NEW Opening: Drip Feed set for £100 to open this holding with a view to add more drips and lump later in the year.

This is what I will have above and the drip feeds for April which will change around. Thinking the VLS core at 65% to 70% eventually with the side openings giving them 30% to 35% between them.

I am trying to decide is it worth a £50 drip opening of the BlackRock Global Property Tracker to have a low holding in a diversifying asset and a different beast so to speak than equities and bonds. Idea could be just open on a £50 drip and drip £50 every few months as a low diverse holding much lower than the rest. Any thoughts on this anyone?

At the moment the above is the main openings that have gathered my interests to be investing in so far and adding the First State Asian Pacific leaders is another adding of an area of interest. Maybe some Mid Cap exposure could be good later, but there does not seem to be a Global Fund on HL, but not essential.

Hopefully my set up so far is covering a reasonable range, any thoughts is appreciated.

Looking way ahead as I am 33 now, down the line maybe a Global Mix of bonds could be looked at if and when I should be looking at raising the bond to equity gap as I will have decreased the 40% bonds in the portfolio that the VLS 60% would of given with the additional equity exposures added.

This is the latest plans at the moment

Thanks.

Cobertizo

Apologies if this has already been answered somewhere (can't find it though): is there somewhere I can easily view (and ideally download) historic daily prices for the Vanguard Lifestrategy funds (particularly the 80% Acc)? All I can find so far are charts (which are hard to read for a specific historic price) or the latest prices...

esmecullen

I've opened a VLS 60% via HL at the end of last week with £500, will drip feed £50 p.m into this and perhaps another limp of £500 later, seems like a good fund to get into, but wondering if I should add something else, ie stocks or another low cost fund?

Any suggestions or leave as is?

ozzage

Cobertizo wrote: »

Apologies if this has already been answered somewhere (can't find it though): is there somewhere I can easily view (and ideally download) historic daily prices for the Vanguard Lifestrategy funds (particularly the 80% Acc)? All I can find so far are charts (which are hard to read for a specific historic price) or the latest prices...

Google Finance, search for the fund name, click on Historical Prices

https://www.google.co.uk/finance/historical?q=MUTF_GB%3AVANG_LIFE_80_1MOSZN3&ei=oNJGUdjTIKf4wAOD3wE