Vanguard LS vs buying the underlying funds

wiseonesomeofthetime

iWeb is looking like the platform for me then.

Thank you to all who have taken the time to respond and offer their advice.

Appreciated.

badger09 wrote: »

charges IWEB:
Year 1 £25 account opening fee

Can you confirm that it is the Share Dealing Account that I open for this purpose? It will be in my ISA wrapper. Just confused by their page also talking about an S&S ISA account.

Thanks

Eco_Miser

You open an ISA account - IWEB also open a Share Dealing account for you. The £25 covers both. I paid the £25 into the share dealing account, and the investment money into the ISA account.

aroominyork

Alexland wrote: »

You have a good memory yes I have given up with stock pickers for now to focus on managing asset allocation with low cost funds/etfs. I still think that in the right circumstances an active manager could add value by deploying leverage or smoothing income in the decumulation phase.

So how far was your change of tack due to the current landscape, and how much to a change of personal strategy? It sounds like more of the latter. It’s taken me two and a half years to get to the point where I am happy with my self-managed portfolio. In the past as soon as I made one change I’d start thinking about the next tweak (partly because I've created an awesome spreadsheet which I couldn’t stop playing with), but now it looks balanced and sensible to me. One of the final pieces of the puzzle was provided when Linton (I think it was Linton) said he wouldn’t have more than 40% in any one geography, which helped me resolve the how-much-in-the-USA question.