Vanguard Life Strategy

Jevvers

Lol "interest-free" I wish! Although we are on BOE +0.49% which is about as close as you can get.

Thanks for the reply, I will have a think.

patrickbateman

Is it possible to purchase a vanguard life strategy via cavendish online?
If not can someone please recommend the cheapest and best platform to buy this through. Thanks

black_taxi_2

h-l

net,initial,charge(.24%)
(£2)platform fee(monthly-fixed
net,annual,charge(.31%)

not sure how that compares

Azza_1

Charles Stanley Direct is cheaper in an S&S ISA than H-L until you hit £9x00. I forget the exact amount now.

ColdIron

I think that HL are currently the cheapest for a single Vanguard fund though this could change in the next few months when they announce their new charging structure

JohnRo

patrickbateman wrote: »

Is it possible to purchase a vanguard life strategy via cavendish online?
If not can someone please recommend the cheapest and best platform to buy this through. Thanks

Need to know how much you intend to invest. Problem with HL is their current pricing model will have to change in the short term. Whether that will affect the cost of holding Vanguard funds with them or not remains to be seen.

black_taxi_2

price structure surely means more expensive

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unreal

hope there target isn't vanguard

gadgetmind

black_taxi wrote: »

hope there target isn't vanguard

It will probably get caught in the crossfire. It may well be that those using a passive approach might be better moving from a SIPP to a Personal Pension provider who provides low fee access to trackers.

My GPP is primarily in a single Friend's Life fund that uses active management on top of mostly passive funds. I track performance of my SIPP, that uses a similar approach, against it. Two years isn't really long enough to say anything, but they are tracking to within a fraction of a percent so far.

You may say this is normal for trackers, but these are different multi-asset, multi-territory, multi-cap portfolios, so it's interesting to see this correlation.

guitarman001

I was in the US and 60% funds but pulled out a while ago for reasons I can't remember. Wish I never! The US fund has really trailblazed!! I'm now only in the 100% Lifestyle fund for now...

grey_gym_sock

gadgetmind wrote: »

It will probably get caught in the crossfire.

yes. though to look at it more positively, if it wasn't for the platform review, HL might not have started offering vanguard funds in the first place.

It may well be that those using a passive approach might be better moving from a SIPP to a Personal Pension provider who provides low fee access to trackers.

hmm, this never seems to get any simpler ...