Investment management

RobHT

I see, thank you. (not that the tea & sugar made the job )

I think it's time to study better and step by step, in the meantime, I'll try go dig as much as possible in books about investments, it seems that going here and there by myself just created confusion.

I sold out all the indexes/funds left, I'll stick with VLS80 for sure, still deciding to include S&P500 (for the moment I don't touch it but not sure how much to allocate per month).

Pension fund doesn't seem to interest me, but I'll see better with my actual contribution, since the beginning of my work here I have an average of 450 pounds paid per month, it seems so low to me...

Then, I need to figure out why people that have reached (or are on the way) financial freedom prefer to buy blue chips stocks, and how they can sleep nicely looking the charts just once a month and eventually selling if they need money.
Obviously these are people that invest few grands per month anyway!
I can do the same, but I was terribly confused everywhere, thanks everyone.

barnstar2077

The VLS 80 already has a large chunk of American companies in it already.  If you add the S&P 500 fund you will just be overlapping, and undoing the balancing work that Vanguard have done with the VLS 80.  Why not just use the VLS 80 until you have a better understanding?

I too was like you, and I ended up coming to the conclusion that a VLS fund could do what I wanted, but without all of the hassle.  I'm not suggesting that you stop learning, I am just saying that sticking your money in a globally diverse tracker fund, like the VLS funds, is good enough for now.  Don't forget that most peoples company pensions are invested in a similar way, so it can't be that bad.

RobHT

I will check my pension scheme too, very curious, in my country I can't really decide about the state pension, just an additional one.

I was considering S&P500 for its higher performance and obviously different funds, something that apparently can't be wrong.

Moreover, I was thinking on when to buy, but because the index is impossible to be monitored by me alone, I thought that the best would be to drop feed every month anyway, so in the long term, any potential loss during the time of investment is actually a greater advance for the future.
If I understood correctly, any calculator online is giving me lower return each year, right? It can't predict any market drop when I actually buy, it follows a linear growth, therefore higher cost per share.

At this point, is not better to set up multiple direct debits for each month?
So if I want to invest 1k per month for example, I do 333 pounds 3 times a month, does sound crazy?  

barnstar2077

I don't know why you are using this forum, you don't listen to anyone.

RobHT

Till now you fixed the most important issues .

 Regarding the S&P500 compared to VLS80, it tracks only USA, more performance but highly diversified, and roughly 3 times cheaper, what more?

Moreover, I was thinking on when to buy, but because the index is impossible to be monitored by me alone, I thought that the best would be to drop feed every month anyway, so in the long term, any potential loss during the time of investment is actually a greater advance for the future.
If I understood correctly, any calculator online is giving me lower return each year, right?
It can't predict any market drop when I actually buy, it follows a linear growth, therefore higher cost per share. At this point, is not better to set up multiple direct debits for each month?
So if I want to invest 1k per month for example, I do 333 pounds 3 times a month, does sound crazy?

Or let's try to change the question, how do you drop feed your funds monthly? Are you sure only once a month is the best way?