Advice on S+S ISA and index tracker funds

Dh6

Interesting advice above, thanks very much. I wonder whether to transfer mine over to a S and S LISA and put into a cautious investment fund or gilts etc. But then again would the returns be worth the risk if I’m only going to manage an extra 1% return or less? hmmmmm

tigerspill

dunstonh said:

Following on from that is there any advantage to using the Cavendish platform (access to more funds) to begin with if the Vanguard funds are enough for my current goals?
Remember that Vanguard is not necessarily the best option for some of the multi-asset funds.  There was a period they were but many would consider that some of the others are now better.  Personally, I would not use VLS40 or VLS60 at this time as I feel there are better alternatives.    A whole of market platform allows you choice.  A restricted single fund house platform takes away that choice.

Just out of interest, where would you go for an alternative to VLS?  Interested as I have VLS 40, but am wondering what your thoughts are on the better alternatives that I can look into.
Thanks