Vanguard Life Strategy

takesyourchances

Thank you for the replies today

I thought I could not see the other VG fund mentioned on the HL web site and could not see anything as an alternative.

As I said I wouldn't want to unbalance the risk of the Vanguard Life Strat by adding a side fund that would not be right for the circumstances and the Vanguard Life Strat seems to be well balanced out without tapering needed so maybe this is telling me to leave this as it is, keep adding funds to the Vanguard 60% and increasing the investment and learn more as things move along as this is very early days for me

So maybe it is simpler to leave things are they are and look to increase the investment and maybe put that £500 I was talking about as a side fund start into the Vanguard 60%.

Thanks again for all the inputs and any more to follow.

Best regards.

JohnRo

If you're just looking for global small cap exposure there are several alternatives, aberdeen asian small cap, .. emerging small cap, etc

I don't think anyone does the ftse/msci small cap index tracking fund though, like vanguard, but you can mong a solution from more than one fund elsewhere.

innovate

JohnRo wrote: »

I don't think anyone does the ftse/msci small cap index tracking fund though

ETFs??...................................................

Newbie2saving

Yes the only tracker / passive I hold is the VG LS 80%. I have a mixture of active funds alongside it as that is the way I started out. I am aiming to run the VG at about 60% of the total pot. I would just like to add that I am a newbie to this as well, so don't think that anything I am doing is knowledge or advice, purely my take on things.

takesyourchances

Thanks for the replies, I will have a look on the HL site at the alternative small caps see if I can find any to read them, global like suggested would be good to look at, I would want to be comfortable knowing why I would add a second side fund as well and how much to allocate and maybe raise the VG balance up much higher before doing so and keeping this as the core of the S&S ISA.

From a purely novice perspective, down the line after building more invesetment up in the main fund, a small holding of Asian funds could be a long term investment on the side, maybe in the long term there is room for growth with the manufacturing and production happening in Asia and some of the Asian super powers on the rise like Singapore and so on for growth. This is purely a novice perspective and certainly wouldn't enter this as a core now or too quick at the moment

Interesting replies thanks.

Best regards.

takesyourchances

Newbie2saving wrote: »

Yes the only tracker / passive I hold is the VG LS 80%. I have a mixture of active funds alongside it as that is the way I started out. I am aiming to run the VG at about 60% of the total pot. I would just like to add that I am a newbie to this as well, so don't think that anything I am doing is knowledge or advice, purely my take on things.

Thank you, yes understand your a newbie to this as well, although active a good bit longer it is something I guess that is always a learning process.

Interesting that your Vanguard is around 60% of the total pot, that was the type of thing I was interested in how anyone would split their pot up percentage wise along with a Vanguard fund, I guess a drip feed can be split into a percentage of even 75% to Vanguard 25% to a side fund.

Thanks

guitarman001

Looking at the performance of the 60,80,100% etc Lifestyle Vanguard options... they perform poorly compared to the ex-UK equity Vanguard fund. I think I'd go for that...........!!

takesyourchances

guitarman001 wrote: »

Looking at the performance of the 60,80,100% etc Lifestyle Vanguard options... they perform poorly compared to the ex-UK equity Vanguard fund. I think I'd go for that...........!!

Something like this type of fund would that be correct?

http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/v/vanguard-ftse-developed-world-ex-uk-equity-index-accumulation

Best regards.

guitarman001

Exactly.
No initial charge, still 'only' 0.3% admin... keeps out of the dodgy UK right now, previous gains look good. If I could choose that for my pension fund I would. However I've only got my precious savings... thinking about it. Surely this beats the pants of the lifestyle funds!?

guitarman001

The only problem with it is that it's still developed world and 50% in the US alone....!