Vanguard Life Strategy

elantan

Carpi09 wrote: »

Another £1150 added to VLS 80. Maxed out ISA Allowance now.

Question is, do i open another account outside the tax bracket or carry on putting it into a savings acount...

Silly q I Spose, but would it be a good idea to maybe put it into a sipp? Say with H&L ?

May not be but just wondered

Zerforax

Finally paid into a SAS ISA with the Vanguard 100% equity fund. Just waiting for the trade to go through (actioned it yesterday but I don't seem to have been told the price/if it's been purchased yet).

I'm guessing I'll be a little disappointed since i was hoping the trade would go through when the FTSE was around 6200 but it seems to be rebounding back towards 6300 already.

Ah well.. I just have to remind myself that it's a long term investment

Eponym

ruperts wrote: »

Hi all

Apologies if this has been discussed before (it almost certainly has), this thread has grown rather large but my question pobably doesn't warrant another thread.

What are peoples thoughts around 'tilting' a portfolio which uses Lifestrategy as a base.

I'm thinking of putting 60% into Lifestrategy 80% equity, then 10% into developed Europe, emerging markets, value and smaller companies.

Extra developed Europe is to balance out what i perceive to be quite a heavy UK/US bias in the lifestrategy funds. I feel instinctively that further geographic diversity is a cheap way to reduce risk, but I am willing to be convinced otherwise, and in any case just assigning 10% to this feels a little too 'unmathematic'.

Extra emerging markets is again for similar reasons, to provide geographic diversity on top of the 5% already in the fund, but also to capture the EM premium. I'm happy to go with managed funds here, probably 5% each in Aberdeen and First State.

Aberdeen Emerging Markets (if that's the fund you mean) has soft-closed and now charges a hefty initial fee to discourage investment. I think I heard the First State Emerging Market Leaders may follow suit soon as well. You may prefer to look elsewhere!

Carpi09

elantan wrote: »

Silly q I Spose, but would it be a good idea to maybe put it into a sipp? Say with H&L ?

May not be but just wondered

I have asked this question before and a SIPP is not suitable for me at this time.

1. My contributions would not be high enough.
2. I am not a high rate tax payer at the moment so there are other options.
3. Saving for a house deposit (5 years or thereabouts)

I asked this before because I was maxing out the ISA Allowance within 4 months, also utilising regular savers and still had cash remaining. So it looks like I will be just using a bog standard savings account.

elantan

great though that you have looked at it, pensions are deff a bonus for higher tax payers, like you i am a lower tax payer and my employer doesnt make great contributions ( finally started making 1% into a NEST pension) so pensions are a bit iffy for me as well, but i have to admit i am thinking of putting my vanguard into a sipp as having that wee bit extra going into the account would be handy, would only be putting £50 a month into it though so not sure if thats the best thing to do or not

Carpi09

elantan wrote: »

great though that you have looked at it, pensions are deff a bonus for higher tax payers, like you i am a lower tax payer and my employer doesnt make great contributions ( finally started making 1% into a NEST pension) so pensions are a bit iffy for me as well, but i have to admit i am thinking of putting my vanguard into a sipp as having that wee bit extra going into the account would be handy, would only be putting £50 a month into it though so not sure if thats the best thing to do or not

From what I have been told that is too low for a contribution for a SIPP as there are better options with lower fees.

Your £50 monthly contribution with VLS would be regarded as very high fees. 4% with the £2pm alone so you would be better off going for a Stakeholder Pension or equivalent to reduce fee costs.

Zerforax

How long does an order with Charles Stanley take to go through? I put half of the SAS ISA allowance into the account and placed an order for a Vanguard fund on 3 July but it's still pending

mf78

Don't worry it just seems to work like that. I did my first investment with them recently into a Vanguard fund and it took a few days (with a weekend in between) to update. I think they trade the day following when the order was placed (if after 12pm) and it may just take a few days to update in your account.

Yorkie1

I put funds in over a weekend, placed the order late on the Monday, and got confirmation of purchase on the Thursday (I think).

Zerforax

Thanks guy. The order has finally gone through.
The price (for Vanguard Life Strategy Equity 100%) was 122.558 so we'll have to see what it does in the long term.