Vanguard Stocks and Shares ISA

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Afternoon all.
I have been reading few posts similar to my own scenario . My spouse has a vanguard sipp which I set up recently and find it easy to manage .
i would like to open a stocks and shares ISA to help support our pensions .
vanguard do a lifestyle strategy one so don’t need to choose funds myself . You get 5 options of mixing the shares and bonds 20:80, 40:60, 60:40, 80:20 0r 100% shares .
i would like to open a stocks and shares ISA to help support our pensions .
vanguard do a lifestyle strategy one so don’t need to choose funds myself . You get 5 options of mixing the shares and bonds 20:80, 40:60, 60:40, 80:20 0r 100% shares .
I take it bonds are much safer than shares but less reward ?
If I am wanting to invest for only 7-9 year would a 60:40 balance seem right ? What do most people opt for?
many thanks
mick
many thanks
mick
0
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1) Traditionally bonds are less volatile than shares but they are still an investment and should not be thought of as 100% safe, apart from Gilts and similar. .
2) There are a lot of different type of bonds .
3) A lot of people think bonds could struggle in the coming years to fulfil their normal stabilising role as well as in the past.
4) A split of equities and cash is an alternative
5) Many opinions differ on all these subjects .
do you mean you then buy more at say 40:60 ? Or do you contact vanguard to sell the shares and buy bonds ?
genuinely don’t know
If you are sticking to multi-asset funds, you would move some into VLS40 progressively and then VLS20 and then cash.
A crash may take 5 years to recover. So, you don't want a crash happening in the years before you need the money as you may not have the time to recover.
The VLS funds main weakness over the last 5 years has been home bias. i.e. too much UK equity. (another management decision).
All of these types of funds have a large % in US , as it is such a dominant player in terms of financial markets.
Usually somewhere between 55 and 65% .