Which Vanguard product is the best for me to invest long term ?

Rich1976

I personally would wait until you've found a new job as you dont know how long that will take and then bought your house.
Keep your savings in the best rate account you can find that provides easy access. Then when it comes to buying your house use what you can for the deposit, plus there will be other expenses associated with it such as furniture etc and only then see what money you are left with. 
You are still young so have many years to invest. I do agree with the others in making the most of your pension contributions but again would be inclined to wait until you know how much money you have left each month once you are in your house and got a better idea of the bills 

ZeroSum

IloveElephants said:

Durban said:

When are you looking to buy a house?

If it is NOT within the next 12 months , then the maximum allowable of your house deposit money should be put in a LISA so you can take advantage of the 25% the government will top it up by.

I think that you can put in a maximum of £4000 per year and the government will top that up by £1000.  You certainly won't get that from an ordinary savings or investment account in one year.

You can do this each year until you are ready to buy but you must have it open a year before you can buy.

Hi Durban, thank you for your kind help, Yes I am looking at a Lifetime isa provider now to deposit my savings while im waiting to buy a house, could be 1 year who really knows, do you know which highstreet banks are the most reliable for the LISA? Lloyds or Natwest or Santander? 
Thank You 

I think Nat West are rubbish, but others like them
I've got current accounts with Lloyds & santander, not had any issues 

IloveElephants

ZeroSum said:

IloveElephants said:

Durban said:

When are you looking to buy a house?

If it is NOT within the next 12 months , then the maximum allowable of your house deposit money should be put in a LISA so you can take advantage of the 25% the government will top it up by.

I think that you can put in a maximum of £4000 per year and the government will top that up by £1000.  You certainly won't get that from an ordinary savings or investment account in one year.

You can do this each year until you are ready to buy but you must have it open a year before you can buy.

Hi Durban, thank you for your kind help, Yes I am looking at a Lifetime isa provider now to deposit my savings while im waiting to buy a house, could be 1 year who really knows, do you know which highstreet banks are the most reliable for the LISA? Lloyds or Natwest or Santander? 
Thank You 

I think Nat West are rubbish, but others like them
I've got current accounts with Lloyds & santander, not had any issues 

Thank you zerosum, I will look into Lloyds and santander for the LISA, thank you for your kind reply my friend. 

grumiofoundation

IloveElephants said:

Durban said:

When are you looking to buy a house?

If it is NOT within the next 12 months , then the maximum allowable of your house deposit money should be put in a LISA so you can take advantage of the 25% the government will top it up by.

I think that you can put in a maximum of £4000 per year and the government will top that up by £1000.  You certainly won't get that from an ordinary savings or investment account in one year.

You can do this each year until you are ready to buy but you must have it open a year before you can buy.

Hi Durban, thank you for your kind help, Yes I am looking at a Lifetime isa provider now to deposit my savings while im waiting to buy a house, could be 1 year who really knows, do you know which highstreet banks are the most reliable for the LISA? Lloyds or Natwest or Santander? 
Thank You 

None of the highstreet banks offer lifetime ISAs.

Best cash ISA that you can opne is MoneyBox (App only - the money is FSCS protected no need to worry about that).

https://www.moneysavingexpert.com/savings/lifetime-isas/

IloveElephants

grumiofoundation said:

IloveElephants said:

Durban said:

When are you looking to buy a house?

If it is NOT within the next 12 months , then the maximum allowable of your house deposit money should be put in a LISA so you can take advantage of the 25% the government will top it up by.

I think that you can put in a maximum of £4000 per year and the government will top that up by £1000.  You certainly won't get that from an ordinary savings or investment account in one year.

You can do this each year until you are ready to buy but you must have it open a year before you can buy.

Hi Durban, thank you for your kind help, Yes I am looking at a Lifetime isa provider now to deposit my savings while im waiting to buy a house, could be 1 year who really knows, do you know which highstreet banks are the most reliable for the LISA? Lloyds or Natwest or Santander? 
Thank You 

None of the highstreet banks offer lifetime ISAs.

Best cash ISA that you can opne is MoneyBox (App only - the money is FSCS protected no need to worry about that).

https://www.moneysavingexpert.com/savings/lifetime-isas/

Thank you for your kind message, do you know why the high street banks do not provide LTISA? I noticed that too.... "the money is FSCS protected" Does this mean if moneybox goes bust or they close the app my money is protected? Thank you 

Durban

IloveElephants said:

Durban said:

When are you looking to buy a house?

If it is NOT within the next 12 months , then the maximum allowable of your house deposit money should be put in a LISA so you can take advantage of the 25% the government will top it up by.

I think that you can put in a maximum of £4000 per year and the government will top that up by £1000.  You certainly won't get that from an ordinary savings or investment account in one year.

You can do this each year until you are ready to buy but you must have it open a year before you can buy.

Hi Durban, thank you for your kind help, Yes I am looking at a Lifetime isa provider now to deposit my savings while im waiting to buy a house, could be 1 year who really knows, do you know which highstreet banks are the most reliable for the LISA? Lloyds or Natwest or Santander? 
Thank You 

IloveElephants said:

Durban said:

When are you looking to buy a house?

If it is NOT within the next 12 months , then the maximum allowable of your house deposit money should be put in a LISA so you can take advantage of the 25% the government will top it up by.

I think that you can put in a maximum of £4000 per year and the government will top that up by £1000.  You certainly won't get that from an ordinary savings or investment account in one year.

You can do this each year until you are ready to buy but you must have it open a year before you can buy.

Hi Durban, thank you for your kind help, Yes I am looking at a Lifetime isa provider now to deposit my savings while im waiting to buy a house, could be 1 year who really knows, do you know which highstreet banks are the most reliable for the LISA? Lloyds or Natwest or Santander? 
Thank You 

Nottingham Building Society. 

When my daughter opened hers , only the Skipton offered one and then Nottingham BS which was slightly better interest rate

Not a high street bank but your money is completely safe.  To be honest , interest rates are so paltry everywhere , it doesn't really matter.  It is the 25% top up from the government which is what you want.