Vanguard

barty88

I will not stop paying in to my pension! I have a bit of money I can afford to invest/save every month and was looking for ideas when I stumbled across s&s isas.....more than happy to invest for the long term 

Alexland

OK well if you don't want the tax advantage of making additional pension contributions or the government bonus from investing via a Lifetime ISA then in a plain old vanilla Vanguard S&S ISA we mostly suggest people consider putting their money in a Vanguard LifeStrategy 60/80/100 multi asset fund or the Global All Cap index tracker fund. Sometimes people suggest the VWRL All-World tracker but nobody suggests the S&P500 tracker unless you have enough money invested to build a whole portfolio of different regions in which case it would probably be cheaper not to use Vanguard Investor but a fixed price platform...

dunstonh

barty88 said:

I will not stop paying in to my pension! I have a bit of money I can afford to invest/save every month and was looking for ideas when I stumbled across s&s isas.....more than happy to invest for the long term 

if you keep walking you will stumble over the other tax wrappers available in the UK.  Including pensions.

barty88

So it would be better to withdraw the money from the s&p 500 and start investing the in the world all cap equity fund? And then maybe open a life strategy fund as well 

csgohan4

barty88 said:

So it would be better to withdraw the money from the s&p 500 and start investing the in the world all cap equity fund? And then maybe open a life strategy fund as well 

OP you need to consider to do more research and understand and formulate your own investment strategy and know your own risk appetite. 

Remember one man's meat is another man's poison. What invest I in, may not be suitable for you. 

A global index tracker is a good starter for beginners, but to go straight off the bat to a S+P 500 tracker is brave. 

The monevator website is a good website to understand passive investing. 

Your understanding of the tax wrappers suggest you need more research. LISA/Pension, ISA, is usually the order one goes about in terms of tax efficiency. 

AnotherJoe

NottinghamKnight said:

barty88 said:

First time sorry! 32, employed, mortgage, savings is about to take a hit due to buying my ex out, currently paying into a pension fund with work that is sitting around £10,000. I wouldn’t be investing anything that I couldn’t afford basically....just looking to use my money a little better that’s all 

Probably worth you looking at what your pension is invested in, it's probably higher value than what you are looking at on this thread and employers default funds are often poor. Whilst your are at least a quarter of a century from being able to access a pension then it is a tax efficient way of investing and so growing wealth for the long term. 

^^^^^^^^^^^^^ this

barty88

I done a little research and a lot of people were saying how vanguard and the s&p 500 fund was a good place to start with a little higher risk/reward factor! I need to look into my pension a little more by the sounds of it...

Albermarle

worth you looking at what your pension is invested in, it's probably higher value than what you are looking at on this thread and employers default funds are often poor. 

Just increase your pension contributions and do the above .

TheAble

Don't stress about it too much. The S&P tracker is fine, very low cost. World stock indices are strongly correlated - if the US lost its rear end most other indices would follow suit, and vice versa. You do want to diversify though as others have said but that can come over time. Add in some global funds, some UK, some European. The important thing is just to get into the savings habit and build up a good pot.

TheAble

Ps for what it's worth I personally wouldn't want any exposure to bonds in my portfolio, with interest rates where they are and indebtedness of governments, but that's just my preference. Just last year the German government sold a 30 year bond with a negative yield, which is just nuts.