Vanguard Life Strategy

I<3Moneysaving

I have been dripping in a thousand a month on the same date in to a 80% for my ISA.

I am sure a lot of people do similar and the time to do this is payday, which for the vast majority of salaried people in the UK is the last week of the month. Would this monthly surge in deposits have a small effect on the price of the stock?

I am guessing that either,

1/ The volume of transactions would be too small to make a difference
2/ This is already built into the price so doesn't make a difference


It is just something I am pondering.

I am now considering changing my £1000/monthly to a random day each month, to make the drip feed a bit more free from systematic patterns in prices.

JohnRo

Different brokers have different automated monthly investment dates, some have more than one set day each month. I very much doubt there is any discernible pattern over and above the market noise, to the monthly unit pricing that you can take advantage of. That said I haven't studied it so could be wrong, wouldn't be the first time, or the last.

takesyourchances

After adding the £700 lump sum my core level of my VLS is now at 65.3% as of today. so it is now around the levels I would like. I will do a bit more of a lump sum end of the month early September and maybe will raise my core towards 70%.

I see things have been dipping the last few days so seemed to have caught a bit of lower prices with that lump sum while the markets have dipped a bit.

Still considering the UK small cap fund so see how things go but more happy with my core level having hit the 65% now with my side funds.

Carpi09

I've had to sell off my funds due to needing the money for a house deposit. Made a good profit so not really disappointed.

Will continue with this type of investment when i get on the market!

latecomer

Just out of interest what changed if you dont mind saying - your opening post said you were planning on holding the funds for 20+ years?

Carpi09

latecomer wrote: »

Just out of interest what changed if you dont mind saying - your opening post said you were planning on holding the funds for 20+ years?

Location of where I want to move to: London

Looking to buy in the next 6 months but thought I would sell now so I would avoid any corrections, but then again, could shoot up. But i am happy.

heathersexy

I see the recommendations for US and European stocks. How about any Asian ETF's or stocks.

Jim Rogers thinks quite highly of Asia and asian economies.

takesyourchances

Carpi09 wrote: »

I've had to sell off my funds due to needing the money for a house deposit. Made a good profit so not really disappointed.

Will continue with this type of investment when i get on the market!

Good luck with your property deposit, plenty of time for you to return to investing and good to hear you were happy with what it done for you while in.

Also started my simple SIPP with VLS 80% first drip in on 7th.

takesyourchances

I have topped up my VLS core from a 5 year matured bond I recieved and some of my other side funds and have 700 set aside to open a UK small cap fund and then drip feed and rotate with the rest I have.

The Cazenove UK small cap has stood out for months when considering this, are there any other UK small cap suggestions to look at with this 700 opening amount or would the Cazenove fund seem a sensibile option?

This will be my 6th side fund with my VLS core at present 65% so my portfolio in my S&S ISA is nearly at its limit for openings I feel so want to choose well for the long term to feed into

Thanks

takesyourchances

I put the £700 opening through last night to deal this morning for the Cazenove UK small companies fund and to my surprise it is live on my account already. I also topped up my First State Asian Pacific Leaders with £250 and added another £250 to my VLS.

So now my S&S ISA portfolio stands as:

I have the VLS60% as the core (needs raised slightly again)
First State Asian Pacific Leaders
First State Emerging Markets
Aberdeen Asian Small Companies
Aberdeen Japanese Small Companies
Standard Life Global Small Cap
Cazenove UK Small Cap - New opening

My VLS core has dropped to 60% with opening the Cazenove UK Small Cap so I will raise this with my monthly drip feeds to target 65% to 70%.

Any opinions on the portfolio now anyone?

I feel that I have rounded off the small cap exposure more with the UK opening as I have a lot of Asian focus as well and thought this would bring some balance back and also as the VLS has UK Large Cap this gives a direct UK small cap exposure.

I am happy to open this fund having had this on my watch list for several months.

I think this portfolio is pretty much set up, with maybe a possible one more opening if I ran the core at 65% and have an even split of 5% each side fund. But I am in no hurry and may not even add another to this.

Also my next drip feed next month will bring me to over 10K invested now which I am happy with as a bit of a landmark amount and I feel that I have a structure now to keep adding to. So onwards and upwards

Looking at my VLS core and side funds if anyone was to add one more fund etc what would they suggest or would you leave the portfolio as it is now?

Always interested to hear and for the moment I am happy to be drip feeding away now

Many thanks.