Vanguard - where do I start?

Malchester

Use Vanguard for all my investments (albeit limited in value) with range of lower and medium risk etf's and funds. They have been very good, easy to use website. Range of funds etc is less limited than other platforms (eg HL or AJ Bell). Vanguard meets my needs at the moment very well for choice, ease of use, website, dealing etc

talexuser

Alexland wrote: »

never understand why someone on a broad DIY platform like YouInvest or HL would choose VLS100 when there are lower cost 100% equity funds available such as HSBC FTSE All World or the HL discounted Blackrock Consensus 100 funds?

Maybe if you want the 25% UK to mitigate some currency swings??

Alexland

talexuser wrote: »

Maybe if you want the 25% UK to mitigate some currency swings??

Going 100% equities isn't for those seeking safety. In such a circumstance it might be better to go VLS80.

Alex

A_T

talexuser wrote: »

Maybe if you want the 25% UK to mitigate some currency swings??

given the FTSE 100 is 70% overseas invested the the currency protection will be minimal

talexuser

So I wonder what is the rational of going 25% UK, and do they have a similar extra weighting in other countries where they might offer a similar product?

londoninvestor

talexuser wrote: »

So I wonder what is the rational of going 25% UK, and do they have a similar extra weighting in other countries where they might offer a similar product?

Just looked at one product - LifeStrategy Growth Fund, which is more or less the US analogue of VLS80:
https://investor.vanguard.com/mutual-funds/profile/VASGX

Of its 80% equity allocation, this is split about 60:40 US:rest of world. Market cap weighting would get you something like 57:43 - so a much less dramatic home tilt than UK VLS funds have.

dunstonh

A_T wrote: »

given the FTSE 100 is 70% overseas invested the the currency protection will be minimal

Which is why many experienced investors will look at small and mid cap for their UK allocation. Two areas that actually tend do rather well in the scheme of things. Unlike UK large cap which tends to flounder.

Nardge

Good afternoon,

There has been much discussion in the forums regarding S&S and it's myriad variations!

I've tried to glean the essentials, and have also read MSE's S&S Guide beforehand

I'd be grateful if you could kindly confirm/refute/answer the following:

Vanguard Life Strategy:

Is amongst the best for someone who:

• Doesn't have much spare time
  
  
• Has relatively minimal knowledge/understanding
  
  
• Wants relatively cheap all-round fees
  
  
• Seeks broad diversity
  
  
• Seeks international investment e.g. China, and also within the UK
  
  

Does anyone know of any cashback links for opening the same?

Does anyone have a referral they'd like me to use for an agreement made by Private Message?

Stocks and Shares:

• Unless one has a vast amount of money non-ISA S&S is the preferable option?
  
  
• Switching non-ISA to ISA is only possible via Cash ISA (with attendant financial expense)?
  This would arise if/when I felt the latter was more favourable
  
  
• There is little point/no benefit in having several S&S ISA open concurrently (contrast P2P (Peer-to-Peer) ISAs)?
  
  
• It is possible to funnel P2P ISAs directly (from Holding Accounts) into S&S ISA?
  

Thanking you in advance

With Kind Regards

ColdIron

Duplicate post (the 3rd). You don't need to post the same question on many threads. See
https://forums.moneysavingexpert.com/discussion/comment/75579987#Comment_75579987

Nardge

ColdIron wrote: »

Duplicate post (the 3rd). You don't need to post the same question on many threads. See
https://forums.moneysavingexpert.com/discussion/comment/75579987#Comment_75579987

Noted! It was an exception
Yes this time I posted across several threads due to time-urgency in gaining clarification

To anyone else reading the above, maybe post on the S&S ISA to keep the conversation in one place