Vanguard

Linton

Bowsa said:

I think I will give them a call on monday to discuss the options / advice. I am fairly new to this and do want to start bouncing on and off - in actual fact it seems general advice is to just keep on ploughing on.....

what are the are chances of a complete loss, in a portfolio like this?

A 100% loss in VLS800 would imply that all the worlds largest companies had gone bust and that the US and UK governments who guarantee a significant amount of the 20% not in equity had ceased to exist.  One can think of possible scenarios where that could happen (invasion from the planet Zog?, a new Ice Age?, a plague killing off 90% of the population?)  but if it did I dont think you would put your investments on the top of your worry list.

Albermarle

It sounds like you are invested above your risk tolerance . Maybe you should think about VLS 60 ( 60% equities) for example.

Alz1986

Bowsa said:

what are the are chances of a complete loss, in a portfolio like this?

Practically none. But I'd be a bit concerned if a platform website failed to work properly, imagine a day when everyone wants to trade, causing pressure on the website! 

Alexland

Linton said:

invasion from the planet Zog?

Lets not play the immigration card - the people from planet Zog are hard working, come in peace with their benign infectious diseases and all they want is the chance to build friendships and dip their toes in your coffee.

greggymagic

john-306 said:

Yes mine was the same earlier. Slight panic ensued. Logged back in and all back to normal.

Slight panic??

Understatement of the year for me if I logged onto the site and saw funds value zero... 
With all the hacking and Internet pirates I'd probably panic and assume the worst until I could get back in!!! 

john-306

It was only a minute or two, hardly enough time to go off on one.

Bowsa

Albermarle said:

It sounds like you are invested above your risk tolerance . Maybe you should think about VLS 60 ( 60% equities) for example.

possibly, though all has been going well, and I've felt fine about it though paying more attention at this stage given the changes in the markets and the drops I've seen......really don't want to give up on this S&S isa, though it's certainly making me rethink where I put my investment.

Bowsa

john-306 said:

It was only a minute or two, hardly enough time to go off on one.

mine was off for a good 30 mins at least,  with many refreshes and logins / out - so to say I was a bit concerned.
checking online for news of stock crashes / vanguard failures / site issues / hacking etc.....until I came here.

Bowsa

Alexland said:

Linton said:

invasion from the planet Zog?

Lets not play the immigration card - the people from planet Zog are hard working, come in peace with their benign infectious diseases and all they want is the chance to build friendships and dip their toes in your coffee.

gave me a good chuckle

Bowsa

Alz1986 said:

Bowsa said:

what are the are chances of a complete loss, in a portfolio like this?

Practically none. But I'd be a bit concerned if a platform website failed to work properly, imagine a day when everyone wants to trade, causing pressure on the website! 

yeah, I will be honest this is a concern in itself - it seems like it may not be an isolated incident from others responses on here as well.