Vanguard Life Strategy

ColdIron

WendellG wrote: »

What is the charge if you switch between VLS funds, eg from the 60% to 80%, is it the same as switching to any other fund?

Mine are with HL.

You would have to pay the 0.24% dilution levy for the funds you buy. HL won't charge you anything at the moment unless you don't switch all the funds, then you would have to pay twice the platform fee

grey_gym_sock

if you switch funds, you will be out of the market for 1 day, as your provider will wait to see exactly how much cash you get from selling the first fund before placing a buy order for the second fund.

when switching,i would try to avoid selling on a friday (or on the day immediately before any trading holiday), to avoid also being out of the market over the weekend.

if you're switching on HL, you could arrange to sell on the last day of a calendar month, and buy back on the first day of the following month, which would save a £2 platform fee (if you're switching the entire holding). but don't do that just to save the £2 - i.e. only if you want to switch anyway - as going out of the market for a day increases risk (it could easily lose you more than £2).

takesyourchances

In some of my previous posts I have referred to my Halifax Stakeholder pension I have with around 15K in it. I am still unsure what to do with this so at the moment I still have it and I am still paying it as normal, so no change other than thinking.

Do any of you have a Vanguard Lifestrategy in a SIPP, also anyone got a VLS in an ISA and SIPP?

My S&S ISA has the VLS 60% as the core with the aim of 65% to 70% of the portfolio along with 5 other funds so far which I have mentioned on here and I aim to fill my ISA allowance each year between cash and S&S.

I am still paying into the Halifax Stakeholder pension, as it is not big amounts per month and being undecided what to do I am still running with it.

At the same time I would like to put a bit more into a pension as well, so I was thinking of a very simple SIPP as well as I am not sure if it is a good idea putting more into the Halifax Stakeholder pension than I am putting in when there is maybe other options like the SIPP and a VLS to keep it simple.

As my S&S ISA has the VLS 60% along with Emerging Markets, Global Small Caps, Asian and Japanese Small Caps and Asia Pacific funds, I was thinking of a very simple SIPP with either a sole VLS 80% or a VLS 100% and maybe Old Mutual Global Bonds which could be increased in percentage as I get older.

Tended to lean towards the VLS 80% as single simple holding with more separate bonds in later years, as I have a bit more spice in my S&S ISA and I would not be putting as much into a possible SIPP at the moment, idea would be say starting at £75 per month with the view to raising it higher after I get some projects I am doing out of the way that is taking some money up at the moment.

Other option is maybe a VLS 100% again starting at £75 start per month and in time add bonds and increase the equity to bond cap as I get older between the two and the amounts invested.

Any thoughts on this anyone and i am a basic rate tax payer?

I could continue to pay lowish into the Halifax Stakeholder, which is mainly the FTSE All Share and Gilts etc etc and start off a simple SIPP as well with maybe the option of either transferring the Halifax Stakeholder in at some point, or leave it along side a simple SIPP and put into both.

Interested to hear any thoughts and if I have explained this right as I have a VLS 60% in my S&S ISA and other funds.

I would have a min of 22 years to 55 or longer and I kind of want to think about increasing my pension a bit more so was thinking of the SIPP very simple like this and low cost and it is locked for min 22 years.

Many thanks.

dan_cup

Can anybody help me out, I've bought into the vanguard 100 fund and wondering how long it takes to actually have the investment confirmed? I bought on fri through TD and its still pending, my other investments done at the same time are confirmed and running.

Thanks

JohnRo

It's irritating (imo) and only affects Vanguard in my limited experience so far, there seems to be a 3 or 4 day lead time when ordering then the T+3 trade delay when the trade goes through. In all it seems to take a week or so.

bertpalmer

Took me 2-3 working days with the 100%

colinjd

I bought some Vanguard 80% fund first thing yesterday morning through HL and it was confirmed and in my portfolio by 9.30am this morning.

innovate

oddstocktrader wrote: »

Copy and Paste this to your browser ->>> 4lo.li/j9jc

Whatever you do - -- don't.

Gadfium

I've dripped another £2K into the 80% Acc fund. I wish that I could max out this years ISA allowance in one go, but unfortunately I have other things to pay for

I hope that this turns out to be a sensible decision! My investment horizon is 10 years.

tashalove

Guys,

I am getting really worried, I still don't see the VL 80 fund showing up on my account?

Does this show up when the first direct debit is taken?

I paid in a lump sum as well but it is appearing under the cash section and not the stock section of my account.

Please help.
Thanks!