What fund/s for Lifetime ISA?

Harribo1

I have invested my full Lifetime ISA allowance with AJBell YounInvest and I'm looking for advice on the best fund or funds to invest this in.

I'm looking to be adventurous and invest for good returns for my retirement - I'm 32, so nearly 30 years.

My question is this - would I be better to invest in 1 fund, e.g. Vanguard Lifestrategy, a combination of funds, or simply one of the AJBell Passive funds which don't incur any initial charges?

Any advice greatly appreciated :beer:

BLB53

I would suggest keep it simple and stick with Vanguard Lifestrategy 80. The AJ Bell funds will be more expensive from 2019 when the platform charges kick in.

Harribo1

Thanks, that's what I was leaning towards.

aw77

I would go with Life Strategy 100 since you're so far from retirement. I have these myself. There are other options too though which others might mention.

masonic

When the value of the account gets above a certain threshold (about £12k OTOH), then it will be cheaper to hold a global ETF to benefit from the cap on platform fee (using the regular investing feature to avoid the increase in dealing charge).