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Diversifying funds in SIPPS and ISAs
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mapk
Posts: 157 Forumite
I started investing last year, first setting up an ISA, then a SIPP - VLS 60 for both. Is there any reason to choose a different multi-asset fund for each - perhaps shifting to drip-feed L&G Multi Index 5 for the SIPP? I'd like to continue with a passive approach, but wonder about any benefits to choosing a different (but similar) fund.
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Comments
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They are fairly similar, multi index funds also have an allocation to property that lifestrategy doesn't.
It might be of interest seeing minor variations in performance but they are essentially fairly similar and act in a similar way.0 -
L&G is more flexible on its allocations and more active in choosing the sub-sectors. This has resulted in it performing better at the lower equity end than the equivalent VLS (which is weak on the lower risk side). However, the higher equity content side has so far favoured VLS.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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