Vanguard Life Strategy

JohnRo

takesyourchances wrote: »

Also the fees are low with the tracker and not the larger sum needed like an IT and can be drip feed.

As trackers go, the Blackrock Global Property class A unit charges are far from low. There was a thread a while back discussing this, it's the class D units you want but of course DIY retail investors don't get access to such things.

There's also what looks like a new class X with a juicy 0.08% OCF but how or when access to that by DIY investors is achieved I know not.

Edit: Charles Stanley are listing the Blackrock class D Acc units..

MadMat

chris1 wrote: »

For someone buying Vanguard Life Strategy 20% and the 40% one, one inside an ISA and one outside, which way round would you suggest?

I'd put the one I plan to hold the longest inside the ISA to get the maximum benefit from it's tax free status.

Mat

takesyourchances

JohnRo wrote: »

As trackers go, the Blackrock Global Property class A unit charges are far from low. There was a thread a while back discussing this, it's the class D units you want but of course DIY retail investors don't get access to such things.

There's also what looks like a new class X with a juicy 0.08% OCF but how or when access to that by DIY investors is achieved I know not.

Thanks for clearing that up JohnRo, not as low then as it seems by tracker standards. So the DIY investors don't have access to the lower rates at the moment. It looks an interesting property tracker, but I might like something else before it if I was to take it out.

At the moment I am looking to balance out what I have, the UK Small Cap I mentioned in a previous post recently could be a possible addition for me to balance out my other small cap holdings so I will see over the coming months.

Thanks.

blizeH

Hi guys,

Just wondering if for someone in their twenties with a view to invest for 15+ years, would you recommend the 80% equity or the 100% equity? I already have a bit in the 80% equity so was tempted to top that up, but not sure if I should switch to 100%

Thanks

marathonic

blizeH wrote: »

Hi guys,

Just wondering if for someone in their twenties with a view to invest for 15+ years, would you recommend the 80% equity or the 100% equity? I already have a bit in the 80% equity so was tempted to top that up, but not sure if I should switch to 100%

Thanks

Or half of each bringing you to 90% equity?

JohnRo

I recently invested some of my pot intended to provide a return in a similar time frame in the 100% equity version based on nothing more than the global debt money system being in all sorts of trouble. I have no idea how the government bond money markets will be affected by any deterioration or collapse of the fiat debt money system in the future.
So, with my usual impeccable timing I bought VLS100 right at the very top of the recent price peak, it'll be interesting to see what happens to this fund over the next few years.

My rationale for going 100% is that at least equities are, in general terms, a store of wealth that real people doing real work and aiming for real success can use and can then hopefully reward me with a profitable return. I know it's simplistic but it's where I'm at.

blizeH

marathonic wrote: »

Or half of each bringing you to 90% equity?

That's a good shout, thank you! Isn't there a £2p/m charge from HL for having more than one fund though?

bowlhead99

blizeH wrote: »

That's a good shout, thank you! Isn't there a £2p/m charge from HL for having more than one fund though?

There is, at the moment. Whether the fees in a few years time will be £x per fund, or a capped flat fee regardless of the number of funds, or a percentage of fund value, like some of their rivals, is unknown. If you are with HL then for now yes it costs you another 24 quid a year to add a second Vanguard fund.

If you want 90% equity you might prefer to have 90% of your money in the Vanguard 100%, and 10% of your money in a global strategic bond fund. That would be my preferred option - I'm not with HL so it's not a fees thing, I just prefer not to trust a tracker for my bond exposure. YMMV.

blizeH

Many thanks bowl Great advice, I'll look into the global strategic bond funds.

Gadfium

Ive just put in another £1k drip into mine. I'm hoping to max this year's ISA allowance on this fund this year.