Vanguard Life Strategy

Carpi09

Thank you, really appreciate your advice.

Think it's settled. Open a VLS 80% and ride with it for a good 10+ years.

innovate

VLS 80% sounds a good decision to me. Well-informed, meeting the requirements you set out at the start, and with reasonable prospects for a good return. Goferit! :cool:

takesyourchances

Having been looking for a new investment, I have been reading this forum and in another topic I pulled two AXA bonus cashbuilder policies after reading this forum and deciding to get out of them.

I am 33 years old, I have been saving into cash ISA's and changing around to the best rates etc, only ever had share related bonds were the capital has been protected for terms of 3 and 5 years. I am by far no expert on shares but I am looking to dipping my toe into this direction as I am getting disillusioned with interest rates on savings and eroding inflation like us all and feel I need to divert some money etc into other directions as I have enough cash access in my cash isa I feel I need to try something new and I have a pension as well in place, which I will look to up as well soon.

I am getting £9471 back from these AXA polices I have just got out of, after reading what Capri09 has been looking for and various replies from you all, I felt this was the type of investment I am after with a long term view of it. As I am no expert or know enough to totally build a portfolio, I felt this suited me like how Capri09 described he was after and that I contribute to it and leave it a lone and let the time pass.

I have decided to go with it, I opened a S&S ISA with H&L and decided to go with the Vanguard Life Strategy 60% equity accumulator fund with £2000 to get started which I will replace into an account when my AXA policy money clears. The cancelled £60 a month payments I was making to AXA, I have now changed to go into the S&S ISA each month to drip feed into the Vanguard Life Strategy 60% fund.

I think I will also up the monthly payment to at least £100 a month going in within a month or two with a view of making some additional payments through each S&S ISA year.

Given my age 33, with a long term view of this and getting out of those AXA bonus cash builders early and freeing this money up I hope that this is a good long term direction to redirect monthly payments into instead and £2000 to start with from those AXA polices I have cancelled.

The rest I will put into my cash ISA before April and after April as I am looking towards a house deposit and may need to access savings from my cash ISA in the near to medium term.

I have also freed up extra money per month recently which will allow me to add some extra lump sums to the Vanguard Life Strategy 60% fund as well.

I hope this sounds like a sensible move, I feel I needed to change some direction up this year as a lot of my money is cash ISA and this is part of a new direction.

Best regards and thanks to all in this topic

Eponym

Sounds very sensible to me.

takesyourchances

Eponym wrote: »

Sounds very sensible to me.

Thank you Eponym, I am happy with my decision and looking forward to the fund going live and learning.

Many thanks

InsertWittyName

takesyourchances wrote: »

Having been looking for a new investment, I have been reading this forum and in another topic I pulled two AXA bonus cashbuilder policies after reading this forum and deciding to get out of them.

I am 33 years old, I have been saving into cash ISA's and changing around to the best rates etc, only ever had share related bonds were the capital has been protected for terms of 3 and 5 years. I am by far no expert on shares but I am looking to dipping my toe into this direction as I am getting disillusioned with interest rates on savings and eroding inflation like us all and feel I need to divert some money etc into other directions as I have enough cash access in my cash isa I feel I need to try something new and I have a pension as well in place, which I will look to up as well soon.

I am getting £9471 back from these AXA polices I have just got out of, after reading what Capri09 has been looking for and various replies from you all, I felt this was the type of investment I am after with a long term view of it. As I am no expert or know enough to totally build a portfolio, I felt this suited me like how Capri09 described he was after and that I contribute to it and leave it a lone and let the time pass.

I have decided to go with it, I opened a S&S ISA with H&L and decided to go with the Vanguard Life Strategy 60% equity accumulator fund with £2000 to get started which I will replace into an account when my AXA policy money clears. The cancelled £60 a month payments I was making to AXA, I have now changed to go into the S&S ISA each month to drip feed into the Vanguard Life Strategy 60% fund.

I think I will also up the monthly payment to at least £100 a month going in within a month or two with a view of making some additional payments through each S&S ISA year.

Given my age 33, with a long term view of this and getting out of those AXA bonus cash builders early and freeing this money up I hope that this is a good long term direction to redirect monthly payments into instead and £2000 to start with from those AXA polices I have cancelled.

The rest I will put into my cash ISA before April and after April as I am looking towards a house deposit and may need to access savings from my cash ISA in the near to medium term.

I have also freed up extra money per month recently which will allow me to add some extra lump sums to the Vanguard Life Strategy 60% fund as well.

I hope this sounds like a sensible move, I feel I needed to change some direction up this year as a lot of my money is cash ISA and this is part of a new direction.

Best regards and thanks to all in this topic

You have the same fund as me, on the same platform as me and are the same age as me...

I have to say you made a great decision

takesyourchances

[STRIKE][/STRIKE]

InsertWittyName wrote: »

You have the same fund as me, on the same platform as me and are the same age as me...

I have to say you made a great decision

That is great to hear same age and same fund and same platform, excellent! :T

I am going to up to £100 now rather than £60 per month while I think more directions out.

Thanks and I feel like this is a great new direction.

Best regards

Carpi09

Finally opened my S&S ISA.

Went with HL in the end with a £2000 deposit and a £200 monthly contribution. :cool:

Also just opening First Direct account and will open the 8% Regular Saver.

Sorted!

Newbie2saving

Carpi09 wrote: »

Finally opened my S&S ISA.

Went with HL in the end with a £2000 deposit and a £200 monthly contribution. :cool:

Also just opening First Direct account and will open the 8% Regular Saver.

Sorted!

Good plan! I always feel so much better once decisions are made.

I am in my mid 30's and have the 80% VG acc. I wanted to take a little more risk and liked the breakdown of products within the fund. Pleased with my choice to date. I'm also with HL.

All the best (& for the move to Cyprus!)

takesyourchances

Carpi09 wrote: »

Finally opened my S&S ISA.

Went with HL in the end with a £2000 deposit and a £200 monthly contribution. :cool:

Also just opening First Direct account and will open the 8% Regular Saver.

Sorted!

Excellent news Carpi09 and best of luck also with it all, when opening mine last week I found the process very simple with HL and nice site to use and also their smartphone app is very good also.

I also opened with £2000 and I have changed my monthly now to £150 and in a few months will look at £200 and maybe another bit of a lump sum.

Great with your regular saver as well. After going with this fund last week I feel very happy with this decision for an investment.

Good luck with it all :beer:

Best regards.