Supplementing the VLS 100%

Drucifer

Hello,

I created a thread a few weeks back entitled "New Investor: VLS 100?", my history is in there but in short I've went ahead and put money into there, after all my bills, emergency funds, savings etc etc, I've got money leftover each month and would like to invest it elsewhere, finding extra money and the possibility of investing in new places is quite exciting.

But as for my question, what would supplement the VLS 100%? Or should I not bother investing elsewhere and just add the extra money to the VLS fund?

bostonerimus

You might think about some fixed income investments to dampen the volatility of your current 100% equity portfolio, but it really depends on your strategy. If you chose VLS100 to match your current goals, then adding to it can't hurt.

ewaste

I've just spent the last few minutes reading over the previous thread, until you've managed to save a considerable amount into VLS100 I'd stick with that for now. The whole point in the VLS funds is that they are one stop shops for a lot of investors and ideal for those starting out without large sums that would justify building a bespoke portfolio. As others have said in the past thread and bostonerimus mentioned in this thread, 100% equities is a more volatile or riskier option.

Although given your age and comments in the previous thread I don't think it's as much of a problem as long as you just leave it alone and continue to drip feed into it and not sell up when the value drops precipitously. I'd suggest leave it alone to do it's thing until after the New Year at least and then ponder any changes you may wish to do before the new tax year in April while continuing to drip feed in whatever your comfortable with.

chockydavid1983

I've been pondering the same thing recently (I have mainly VLS 100 and a bit of VLS 20 and was initially planning to just have those 2 and reduce equity exposure over time). Now, I'm looking to either:
a) Add Vanguard Global Small Cap Index
b) Switch away from VLS and into Vanguard Global All Cap Index and Vanguard Global Bond Index
Either way, I may add physical property at some point also.