Vanguard LifeStrategy....

InvestInPoker

ChopperST wrote: »

Its only a bit of fun!

A passive portfolio would seek to capture the whole of the market. I wouldn't be limiting myself to geographical regions.

So lets say £100k invested and exclude platform charges but include fund manager charges. You can deal on the 1st of the month every month?

This would be great fun and a fantastic thread for this sub forum. Ryan you have to step up to the plate here. You like to dispense advice so dispense it and lets see you in action! Heck MSE should provide a prize for the eventual winner over a fixed time period like 1 year its that good an idea.

Ryan_Futuristics wrote: »

My long-term portfolio really is operated on a long horizon - that's why it works

So is almost everyones in here I will bet.

Ryan_Futuristics

InvestInPoker wrote: »

This would be great fun and a fantastic thread for this sub forum. Ryan you have to step up to the plate here. You like to dispense advice so dispense it and lets see you in action! Heck MSE should provide a prize for the winner its that good an idea.




So is almost everyones in here I will bet.

In a thread called Vanguard Lifestrategy, no one's thinking more than three meals ahead

I've got a portfolio that's designed to perform on the time-scale this forum's likely to exist - I'm not waiting till 2030 for my prize

But really it's prize enough that people abandoned the argument a page or two back to try and discredit me
http://en.m.wikipedia.org/wiki/Ad_hominem ... Not that I'll ever take it personally :beer:

InvestInPoker

Ryan_Futuristics wrote: »

In a thread called Vanguard Lifestrategy, no one's thinking more than three meals ahead

You would be wise not to underestimate everybody's intelligence like that.

http://en.m.wikipedia.org/wiki/Ad_hominem ... Not that I'll ever take it personally :beer:

Nobody has attacked your character or you as a person Ryan and I certainly would not like to see that. Definitely this forum is a much better place for having you here. What has been attacked is you putting across some complete rubbish as facts and your clear inconsistencies when it comes to what you are saying. When you are giving public financial advice to people it is fair game that these failings are highlighted by others.

edinburgher

Back to the topic in hand.

Noted that my slug of LS60 is currently sitting at +6.66% for the year. This is clearly an omen and we are all doooomed.

Wonder how many units of Asian Synthetic Bio Gold Beta Maxi Plus I can get for my emergency fund?

gadgetmind

Ryan_Futuristics wrote: »

In a thread called Vanguard Lifestrategy, no one's thinking more than three meals ahead

Yes, those fly by night ephemeral LTBH drip feeders, investing steadily over multi-decade periods to a single diversified and rebalanced fund that needs about as much ongoing attention as an Easter Island statue. (Due credit to Monevator for this analogy!)

If only we could be like those steady eddy long-term vision chaps like your good self, running a half dozen strategies alongside each other, flitting from one to another from posting to posting.

A_Flock_Of_Sheep

I have checked this evening and it is still up by 11%. I looked at the purchase date and it was 3 March 2014 so not quite a year yet.

Seeing one or two posts here I am unsure if to invest any more in this L/Strat fund. I have even thought about lowering the risk scale a bit and changing to the 40% Equity 60% Bonds version.

What are people's view of this fund bearing in mind it has quite large exposure to the USA and UK?

My Unicorn UK income has been a big disappointment and I may sack that off soon. It is at a slight loss at the moment. I had thought of just going full on for VLS in total.

I checked an India Investment Trust which was at a discount of 8+% earlier. A JP Morgan one.

masonic

A_Flock_Of_Sheep wrote: »

I have even thought about lowering the risk scale a bit and changing to the 40% Equity 60% Bonds version.

You'll have to pay another dilution levy if you sell one type of Lifestrategy fund to buy another. These aren't really suitable for chopping and changing each year.

edinburgher

What are people's view of this fund bearing in mind it has quite large exposure to the USA and UK?

It is based on market capitalisation, so it stands to reason that the biggest economy would feature heavily? If you're starting to think in terms of another recession 1) don't bother - it will happen at some point no matter what you're invested in and 2) why do you think you'll be able to avoid it? If America collapsed, where would you invest instead?

I had thought of just going full on for VLS in total.

Brilliant idea. Fire and forget

A_Flock_Of_Sheep

You are right. It's the fire and forget I quite like.

Reading back ColdIron quite rightly points out my scepticism of the Vanguard LS funds earlier on. He may remember when I first came to investing and was a bit like Ryan Futuristics. Keen on market watching, timing and looking for that opportunity to double my stake.

Do you know what? I really can't be bothered with all that now. I hardly log into my Halifax platform.

Not sure how great value it is. They charge £12 a year with £12.50 per deal on shares or funds. Or £2 a deal if you select a regular savings day. I guess for someone investing Vanguard lump sums it isn't bad value?

ChopperST

Have a look at Snowman's spread sheet to compare platform charges. I'll have a hunt and dig it out for you.