Sanity check: Moving a lump sum to VLS then drip-feeding for the next 10-11 years most efficiently?

vacheron

BLB53 wrote: »

I would urge caution in relation to Lifestrategy due to its high exposure to the oil sector. Due to the rising criticism from the growing climate change protestors, many large organisations and pension funds are divesting the big oil companies which could impact on returns.

An alternative with a much lower exposure would be HSBC Global Strategy so that would be worth comparing.

Thanks. I'm open to all suggestions and will take a look to compare!

bostonerimus

vacheron wrote: »

Thanks bostonerimus. My thinking was that as the investing would span brexit etc that feeding the current balance gradually may offer some pound cost averaging benefits/protection?

Do you think this is just me being overcautious? I appreciate that I could lose out if the fund were to continue to steadily grow at any rate over 3% over the next couple of years as a some of the funds would still be in cash.

I have no idea where exchange rates or the market are heading, I just hope that economies continue to grow over the span of decades. So don't over think deposits once you have decided on an asset allocation and get the money working asap and don't mess with it.