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Nutmeg, Vanguard Lifestrategy or Ready-Made Portfolio?

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  • jdw2000
    jdw2000 Posts: 418 Forumite
    Ninth Anniversary 100 Posts
    justme111 wrote: »
    See post #15.
    It will not be exactly 60% as time goes by as each one of those 5 components will grow /drop at their own rate but it does not matter from the point of view of understanding the principle. Chester dog's analogy with sweets and biscuits is excellent.

    Jeez, let's not complicate this at this stage with how growth/loss might affect the percentages! (Unless of course you have a helpful biscuit analogy!)
  • ChesterDog
    ChesterDog Posts: 1,145 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    matt1983 wrote: »
    Ive been educatinf myself on investing over the last month or so and have set up a stocks and shares ISA via HL. I have the following:

    Legal and General International Index Trust Accumulation

    Vanguard Lifestrategy 20% equity accumulation

    Vanguard lifestrategy 40% equity acc

    Vanguard lifestrategy 60% equity acc

    Vanguard lifestrategy 80% equity acc

    Vanguard lifestrategy 100% equity acc

    My money is more or less spread equally between these 6.

    Vanguard have missed a trick here...

    How about the Vanguard multi-Vanguard Vanguard-multi-asset-index-tracking Vanguard fund. With Lifestyling. :)
    I am one of the Dogs of the Index.
  • Shashy
    Shashy Posts: 139 Forumite
    ChesterDog wrote: »
    Vanguard have missed a trick here...

    How about the Vanguard multi-Vanguard Vanguard-multi-asset-index-tracking Vanguard fund. With Lifestyling. :)

    Take my money
  • coyrls
    coyrls Posts: 2,508 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    jdw2000 wrote: »
    Jeez, let's not complicate this at this stage with how growth/loss might affect the percentages! (Unless of course you have a helpful biscuit analogy!)

    With growth and loss, we might have to move from a biscuit analogy to a sex analogy.
  • ChesterDog
    ChesterDog Posts: 1,145 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Shashy wrote: »
    Take my money

    Thank you.

    In exchange, here is a chocolate hobnob with the chocolate sucked out.
    I am one of the Dogs of the Index.
  • justme111
    justme111 Posts: 3,531 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ChesterDog wrote: »
    If all else fails, use a food or sex analogy.

    Fortunately, the food one worked...

    :rotfl:

    Don't get your hopes up, it's not the end yet :D
    The word "dilemma" comes from Greek where "di" means two and "lemma" means premise. Refers usually to difficult choice between two undesirable options.
    Often people seem to use this word mistakenly where "quandary" would fit better.
  • Shashy
    Shashy Posts: 139 Forumite
    ChesterDog wrote: »
    Thank you.

    In exchange, here is a chocolate hobnob with the chocolate sucked out.

    Surely the correct phrasing is "with the chocolate sucked off" ?
  • ColdIron
    ColdIron Posts: 9,832 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Name Dropper
    Shashy wrote: »
    Surely the correct phrasing is "with the chocolate sucked off" ?
    Careful now, let's stick to the food analogy
  • justme111
    justme111 Posts: 3,531 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Phrasing been distracting , now looking at usernames makes me think of analogies:)
    The word "dilemma" comes from Greek where "di" means two and "lemma" means premise. Refers usually to difficult choice between two undesirable options.
    Often people seem to use this word mistakenly where "quandary" would fit better.
  • matt1983
    matt1983 Posts: 39 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    My confusion was in not realising that the 5 vangaurds funds will be holding the same equities and bonds etc, so yes that means that i should have just put it all in the 60.

    But as ive said, i didnt have/wont have to pay anything for having the 5 rather than just the one.

    Can anyone see any other real issues with keeping my 5 vanguards or do you recommend closing 4 and putting all my money in the 60, which would be my chosen risk level.

    Thanks again.
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