We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Vanguard target retirement fund
Comments
-
https://www.vanguardinvestor.co.uk/what-we-offer/personal-pension/personal-pension-account
You could go with the Target Retirement Fund option if you wished.
https://monevator.com/using-vanguard-lifestrategy-funds-life/
0 -
can global index tracker funds make up a pension?
The pension is just a container for your investments. If you have a whole of market pension (such as a SIPP) then you can invest in around 30,000 options.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Not even slightly foolish, quite a good choice.Louise_vj said:Thanks all...
I'm looking at life strategy funds. I'm happy to make my monthly payment and never look at it until I'm 60. I am currently 24. Would it be foolish to go 80/20?
They can. I currently hold Vanguard FTSE Developed World Hedged Pension Fund in one of my pensions and previously used Standard Life World Ex UK Eq (BlackRock) Pension Fund.Louise_vj said:When I google global index tracker pension I don't get the results I'm expecting like nothing from Vanguard or any companies I recognise other than Hargreaves Lansdown, but I still don't fully understand... can global index tracker funds make up a pension?0 -
https://www.vanguardinvestor.co.uk/what-we-offer/etf-products
You can see the ETF's available on the Vanguard website , with some global tracker ones . Any of them can be included in a Vanguard pension or any other pension that offers these ETF's ( as most SIPPs will) .
As said above the 80/20 route is perfectly valid and will be a bit less volatile than 100% equities .
However if you go down the 100% equities route , a global tracker , would be better than VLS 100, in my opinion.
0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards