Consider This... (Vanguard Portfolio)

Sailtheworld

DireEmblem said:

Sailtheworld said:

At 26 I wouldn't be bothering worrying about holding bonds or chasing dividends. I'd be 100% VWRL with a bias towards a SIPP.

Are you picking VWRL rather than Lifestrategy due to the ability to write off the platform fees on a free trade platform?  If so, then I would go VWRP - its the accumulation version.

I know some people worry about the UK bias in the VLS funds so VWRL (or VWRP) deals with that and removes the bond component which (IMO) is going to simply guarantee a drag in performance whilst offering no value for a 26 year old.

VWRP is very much a lock up and leave investment so probably even better for a youngster. 

Sailtheworld

Thrugelmir said:

A_T said:

I wouldn't use the high dividend tracker it's likely to hinder growth. I'd use VWRL instead.

All one needs is a core of an ETF covering the S&P 500 and active fund covering emerging markets.  The other 2, 800 odd holdings aren't going to add much value in overall terms for the foreseeable future. 

If the OP doesn't have a functioning crystal ball and / or doesn't want to trust that you've got one either then those other holdings are adding valuable diversification.