Vanguard Life Strategy

latecomer

Thanks for that - pretty much what I thought. It was just a thought and I doubt it will be available via my work pension provider but worth checking.

takesyourchances

ozzage wrote: »

For the people in this thread I say:

In my view deciding whether now is the best time to buy is not a great idea. The markets could rise 20% next month. Nobody knows.

Invest your money. Invest more money. Wait. Keep investing. Ignore everything else.

It's not complicated. Invest whenever you can. That's important. Don't NOT invest because you think the market will drop, or because you're afraid that it won't rise yet, or for any other reason. Just keep putting your money in when you have it.

It'll all work out nicely in the end if you just keep it simple (assuming you have time on your side).

Many problems come from trying to time the market. People delay buying hoping for better circumstances, or they sell out of fear at exactly the wrong time, expecting things to drop further. They miss a year's worth of dividends waiting for the perfect opportunity to buy, which never comes. Or it does come but they miss it because they're not quite sure yet. You can't predict the markets so don't even try. Just invest.

This is an excellent post of quality advice for all!

The longer the better, the main thing keep investing and stick to the simplicity and long term goals and stay invested.

The fresh "noise" again is Europe, Cyprus and the banks, there will be more noise to come out of Europe as it is far from over and other events will come in time.

In the long term these will only be events like the ones before them and all be part of a timeline.

Excellent posting Ozzage :T

nearlyretired2004

Aologies for hijacking, but my other thread didn't seem to generate much interest, but this one seems to have a lot of followers .....

Has anybody bought VLS (or any other fund....) through Charles Stanley Direct and anyone got any views or experiences with them ..... ?

Thanks for any replies

innovate

nearlyretired2004 wrote: »

Aologies for hijacking, but my other thread didn't seem to generate much interest, but this one seems to have a lot of followers .....

Has anybody bought VLS (or any other fund....) through Charles Stanley Direct and anyone got any views or experiences with them ..... ?

Thanks for any replies

I thought the "VLS through Charles Stanley" had been discussed to death already? Verdict is that if you have low investments (was it less than £10K?) then they are currently the cheapest, by a few quid . For higher investment amounts, you will do best with a platform that charges a flat rate per fund.

What more do you want to know?

vickssinex

I opened an ISA with Charles Stanley yesterday and I'm now waiting for my first order for VLS funds to be processed. It's all been plain sailing so far and all my emails over the past week were answered promptly.

jingleberry

nearlyretired2004 wrote: »

Aologies for hijacking, but my other thread didn't seem to generate much interest, but this one seems to have a lot of followers .....

Has anybody bought VLS (or any other fund....) through Charles Stanley Direct and anyone got any views or experiences with them ..... ?

Thanks for any replies

I have accounts with Charles Stanley and Hargreaves Lansdown - the CS website is a bit clunkly compared to HL but not too bad. CS only offer clean or low cost funds which tend to attract platform fees on Hargreaves Lansdown. They charge 0.25% of fund value pa. For Vanguard LS, HL will charge £24pa regardless of amount invested. The CS charge will rise with amount invested and will exceed £24pa if amount invested exceeds £10K. I have more than £10K invested in Vanguard LS so I chose HL as the platform. For traditional funds with an AMC of 1.5% and which don't attract platform fees, CS are well worth considering. They normally offer a version of the fund that only charges 0.75% AMC, and then load an extra 0.25% platform fee, so total is 1% pa, a lot less than the 1.5% being charged on HL or elsewhere. I'm in the process of selling my traditional funds and repurchasing clean versions using CS for this reason.

esmecullen

ozzage wrote: »

For the people in this thread I say:

In my view deciding whether now is the best time to buy is not a great idea. The markets could rise 20% next month. Nobody knows.

Invest your money. Invest more money. Wait. Keep investing. Ignore everything else.

It's not complicated. Invest whenever you can. That's important. Don't NOT invest because you think the market will drop, or because you're afraid that it won't rise yet, or for any other reason. Just keep putting your money in when you have it.

It'll all work out nicely in the end if you just keep it simple (assuming you have time on your side).

Many problems come from trying to time the market. People delay buying hoping for better circumstances, or they sell out of fear at exactly the wrong time, expecting things to drop further. They miss a year's worth of dividends waiting for the perfect opportunity to buy, which never comes. Or it does come but they miss it because they're not quite sure yet. You can't predict the markets so don't even try. Just invest.

excellent advice which will be taken along with takeyourchances' its taken some of the anxiety from me as to whether I did the right thing:T

Onwards and upwards from now on:)

adewalton

Hi,

Is there somewhere you can looking into the VLS 60 Equity Inc fund to see say just what telecom companies it invests in?
I know there is a 2.87% holding in telecoms but how can I see just what the 1.21% of UK equities is invested in?

Thanks,
Ade

JohnRo

via trustnet, this is VLS60 - parenthesis show up to the end of January this year.

1(1) VANGUARD FTSE DEVELOPED WORLD EX UK EQUITY INDEX ACC 34.20 (33.80)
2(2) VANGUARD FTSE UK EQUITY INDEX ACC 21.30 (20.90)
3(3) VANGUARD UK GOVERNMENT BOND INDEX INC GBP 18.20 (18.70)
4(4) VANGUARD UK INVESTMENT GRADE BOND INDEX INC GBP 12.40 (12.50)
5(5) VANGUARD UK INFLATION LINKED GILT INDEX ACC 9.00 (9.10)
6(6) VANGUARD EMERGING MARKETS STOCK INDEX INC GBP 4.90 (5.00)

use trustnet or vanguard themselves to then look into each of the underlying funds. You won't get a complete list though, just the top 10 holdings in each underlying fund. (afaik)

Perelandra

adewalton wrote: »

Hi,

Is there somewhere you can looking into the VLS 60 Equity Inc fund to see say just what telecom companies it invests in?
I know there is a 2.87% holding in telecoms but how can I see just what the 1.21% of UK equities is invested in?

Thanks,
Ade

All of them.

The VLS 60 invests in the UK all-share index, based on their capital value. The full list is here:

http://uk.finance.yahoo.com/q/cp?s=%5EFTAS