Vanguard Life Strategy

tris39

I dropped 5760 into Vanguard 80 last Wednesday\Thursday and it showed up in the account this morning; so there is a little delay...

After must deliberating I am happy with my purchase :j Thankyou everyone for your adivce.

Does anyone know how often the prices are updated? I am sure the novelty will soon wear off of checking it all the time.

Carpi09

tris39 wrote: »

I dropped 5760 into Vanguard 80 last Wednesday\Thursday and it showed up in the account this morning; so there is a little delay...

After must deliberating I am happy with my purchase :j Thankyou everyone for your adivce.

Does anyone know how often the prices are updated? I am sure the novelty will soon wear off of checking it all the time.

Normally around 8am GMT every morning.

dan_cup

Well after reading this thread for the last week I've plunged £2k into the 100% VLS.

Got anger £1.3k to play with and then the drip feed

Let the journey begin.....

takesyourchances

dan_cup wrote: »

Well after reading this thread for the last week I've plunged £2k into the 100% VLS.

Got anger £1.3k to play with and then the drip feed

Let the journey begin.....

Well done and good luck

I am drip feeding away now after a lump sum the start of this year, are you keeping solely to the VLS 100%?

Thanks

takesyourchances

Carpi09 wrote: »

Normally around 8am GMT every morning.

Hi Carpi, how you get on in the new tax year have you decided on any side funds or staying with the VLS80?

I am sticking to my drip feeds at the moment and balancing out, happy with this at the moment

Thanks

Lois_and_CK

I already have a Vanguard LS 80 in a s&s ISA as part of my retirement 'pot', and CK also has a Vanguard LS 80 in his SIPP (he doesn't have a work pension). These are our 'long term' investments.

We have something else we want to save for, but it's fairly short term, 8 years. I was thinking of opening another s&s ISA with the Vanguard LS 40, then drop it to the LS 20 after a few years.

Am I getting a bit Vanguard-tastic though? I'm comfortable with passive investing and the LS funds, but is having three of them too many eggs in one basket? (We have cash ISAs and a work pension in Aviva, so we do have some diversification.)

bigadaj

Lois_and_CK wrote: »

I already have a Vanguard LS 80 in a s&s ISA as part of my retirement 'pot', and CK also has a Vanguard LS 80 in his SIPP (he doesn't have a work pension). These are our 'long term' investments.

We have something else we want to save for, but it's fairly short term, 8 years. I was thinking of opening another s&s ISA with the Vanguard LS 40, then drop it to the LS 20 after a few years.

Am I getting a bit Vanguard-tastic though? I'm comfortable with passive investing and the LS funds, but is having three of them too many eggs in one basket? (We have cash ISAs and a work pension in Aviva, so we do have some diversification.)

Yes I think you. Ay be a bit vanguard centric. I would check the make up of the lower risk vanguard finds if I were you and make an assessment of the investments. It's obviously been pointed out previously that you are buyin an average world market, with no investment in property, smaller companies, tech, commodities etc.

In your case I'd be concerned that the low risk funds would have a large weighting of bonds, and many bonds are overpriced now due to interste rates being so low, with the potential for a capital loss when they are redeemed. Eight years isn't that long in investing terms but I'd be tempted for a bit of diversification. I'm veering towards the vanguard uk equity income for half ny funds this year, investing through a different broker as my current one doesn't offer vanguard.

dan_cup

takesyourchances wrote: »

Well done and good luck

I am drip feeding away now after a lump sum the start of this year, are you keeping solely to the VLS 100%?

Thanks

I will just hold the one VG if that's what you mean? I'm 28 so plenty of time for ups and downs. The other £1300 I'm thinking of going into the Asian emerging and Latin emerging areas for some added spice.

takesyourchances

dan_cup wrote: »

I will just hold the one VG if that's what you mean? I'm 28 so plenty of time for ups and downs. The other £1300 I'm thinking of going into the Asian emerging and Latin emerging areas for some added spice.

Sounds good, sorry I meant other funds etc as well as your VLS 100%, so see your adding some Asian and Latin emerging markets for some spice. Similar to what I have done with my VLS 60% I have a few Asian funds and an Emerging Markets which covers some in Latin America.

I am 33 myself so want to invest over a lot of years.

Sounds good, I am looking at some point this year adding maybe a UK smaller companies fund as I have 3 other small companies funds, one global, one Asian and one Japanese. That might be my next plan.

Thanks.

dan_cup

takesyourchances wrote: »

Sounds good, sorry I meant other funds etc as well as your VLS 100%, so see your adding some Asian and Latin emerging markets for some spice. Similar to what I have done with my VLS 60% I have a few Asian funds and an Emerging Markets which covers some in Latin America.

I am 33 myself so want to invest over a lot of years.

Sounds good, I am looking at some point this year adding maybe a UK smaller companies fund as I have 3 other small companies funds, one global, one Asian and one Japanese. That might be my next plan.

Thanks.

Nice one, I was trying to find out what the optimum number of funds are. I know it depends on your investment pot.

So for me personally it's £3500 at mo but probably rising to £6000+ over the year so don't know whether to have that in say 3-4 funds or have it spread even thinner ie 6-7