Vanguard core-satellite advice pls

cuthbertlilly

Cash
FD isa 43,150 + 900 reg-sav
Sant 123 20,000
Bos vantage 15,000
HSBC isa 10,900 + 1,500 reg-sav
Tesco 6,000
Lloyds club 5,000 + 400 reg-sav
TSB plus 4,000 + 750 reg-sav

Halifax online-sav 5,000

Lendingcrowd 1,100
Ratesetter 550


S+S
VLS80 1,088
Woodford equity income 427

I erroneously (don’t pick up on this phrase pls) ended up with Woodford together with VLS80, having been attracted by the name. I realise this puts me overweight in UK now.
However, having read the VLS threads etc, I want a core-satellite approach of say 65% VLS and 35% other (e.g. 5/6 side funds). How would I go about achieving this balance in to my S+S isa? – should I just reduce the Woodford element?...or scrap it altogether. I HAVE CIRCA £200-250 PCM GOING FORWARD TO INVEST.
Also wondering if I should put another lump sum in to S+S now?
[rent and do not own property, age 33]
SCETCH IDEA GOING FORWARD:
VLS80 (+ 6 active satellites of e.g. 7% each)
UK equity income: Woodford EI
EM: Lazard EM
AsiaPac: Newton asian income
AR: Troy Trojan
global smallcap [fund TBC]
…and perhaps a Frontier, specialist, or Dev Euro fund.

dunstonh

You only have £1500. Dont waste time and energy trying to build a structured portfolio with an amount of that size. For example, if you allocate 3% for Japan, then that is just £45. Do you really want to have funds with just £45 in them?

Wait until you get to around £30k+ before you start doing this.

bottleandahalf

Crikey, for the amount you have saved, you don't have a lot in funds/ stocks.

cuthbertlilly

Thanks for the advice, I'm thinking maybe I could increase my equities to 5k or more and structure it better. I'm not wholly convinced by vls80 on its own

bottleandahalf

cuthbertlilly wrote: »

Thanks for the advice, I'm thinking maybe I could increase my equities to 5k or more and structure it better. I'm not wholly convinced by vls80 on its own

Have a look at John Baron portfolios for portfolio % suggestions.

bigadaj

cuthbertlilly wrote: »

Thanks for the advice, I'm thinking maybe I could increase my equities to 5k or more and structure it better. I'm not wholly convinced by vls80 on its own

What is the purpose for the savings and investments you have, that is the primary question to ask.

Short term savings should be in cash and you seem to have much of this in the better high interest accounts. Similarly if you are looking at deposit for house purchase then this should remain in cash.

If some of this is anticipated to be longer term then a higher percentage should be in equities really, and savings and investments also need to be looked in in conjunction with pensions.

You have some investments in peer to peer lending to add diversification.

As a single multi asset fund then vls80 on its own should be fine with limited sums and assuming you will hold for at least five and ideally ten or more years.

collingbone614

cuthbertlilly wrote: »

Thanks for the advice, I'm thinking maybe I could increase my equities to 5k or more and structure it better. I'm not wholly convinced by vls80 on its own

What is it that's not convincing about it?

Just interested to know why you have bought into it but don't feel convinced by the product.

AndyT678

bigadaj wrote: »

What is the purpose for the savings and investments you have, that is the primary question to ask.

+1 for this...

1% equity, 1% P2P and 98% cash & bonds is unusual. If the cash is for buying a house in the next few years then fine but if (some of) it is part of your retirement planning then invest it within a pension.

cuthbertlilly

AndyT678 wrote: »

+1 for this...

1% equity, 1% P2P and 98% cash & bonds is unusual. If the cash is for buying a house in the next few years then fine but if (some of) it is part of your retirement planning then invest it within a pension.

Hi, i was thinking of keeping the cash for a possible property purchase in the next 3-10 yrs.
however, my thinking is muddled as not sure of future plans yet, but really should be looking to up the equities I feel. Perhaps leave £100k for house/future...and invest £15-20k?

cuthbertlilly

collingbone614 wrote: »

What is it that's not convincing about it?

Just interested to know why you have bought into it but don't feel convinced by the product.

I bought in to VLS80 over a year ago after reading MSE, but since have read about concerns in terms of US and bonds in VLS - hence was even thinking of completely re-structuring my investment or looking at ITs? [just looking for a few opinions here realy].

dunstonh

cuthbertlilly wrote: »

I bought in to VLS80 over a year ago after reading MSE, but since have read about concerns in terms of US and bonds in VLS - hence was even thinking of completely re-structuring my investment or looking at ITs? [just looking for a few opinions here realy].

You only have a tiny amount invested though. If you are concerned about the asset makeup of VLS than change to a different multi-asset fund. Faffing about with a load of single sector funds or ITS is just a waste of time.