The only fund you will ever need?

moneysavinghero

2021 said:

DrSyn said:

A Global Multi Asset Fund with a share/bond split you are comfortable with seem a reasonable suggestion.
Another option might be a Target Retirement Fund.
Out of interest which you tube video did you watch?

 'Vanguard Lifestrategy Funds Explained | The only fund you will ever need (Investing for beginners)' by James Shack.

So basically some wannabe youtuber gets paid by Vanguard to promote their product and low and behold he tells you that the Vanguard product is the only product you will ever need. 

Thrugelmir

moneysavinghero said:

2021 said:

DrSyn said:

A Global Multi Asset Fund with a share/bond split you are comfortable with seem a reasonable suggestion.
Another option might be a Target Retirement Fund.
Out of interest which you tube video did you watch?

 'Vanguard Lifestrategy Funds Explained | The only fund you will ever need (Investing for beginners)' by James Shack.

So basically some wannabe youtuber gets paid by Vanguard to promote their product and low and behold he tells you that the Vanguard product is the only product you will ever need. 

Vanguard themselves spend little on marketing. 

dunstonh

I don't know if he is paid or not.   That is the problem with many of these types of videos.   They don't always declare their interests.  There has to be some doubt as Vanguard are just one of many doing multi-asset.   They are not the cheapest or the best performer.  So, it is possible to be a little cynical.
Also, when I looked, I heard the first few seconds of the video and he said "could be" the only fund you will ever need and it is clearly marked as investing for beginners.   So, a fair bit of context there which was missing in this thread.

ratechaser

Thrugelmir said:

moneysavinghero said:

2021 said:

DrSyn said:

A Global Multi Asset Fund with a share/bond split you are comfortable with seem a reasonable suggestion.
Another option might be a Target Retirement Fund.
Out of interest which you tube video did you watch?

 'Vanguard Lifestrategy Funds Explained | The only fund you will ever need (Investing for beginners)' by James Shack.

So basically some wannabe youtuber gets paid by Vanguard to promote their product and low and behold he tells you that the Vanguard product is the only product you will ever need. 

Vanguard themselves spend little on marketing. 

They don't even have an app!

But despite the home bias, I'm comfortable enough with VLS80 as a long term 'park and forget' option for a good chunk of my capital. 0.22% is an acceptable charge for what amounts to minimal effort on my part. I might become more active in a few years when I retire but I lack the time and inclination to do so at this point. 

threlkeld53

dunstonh said:

There has to be some doubt as Vanguard are just one of many doing multi-asset.   They are not the cheapest or the best performer. 

Vanguard's Lifestrategy funds certainly get mentioned a lot on these forums. Probably several times a day. So if they aren't the best performers what would you suggest for multi-asset funds with a similar range of 20% up to 100% equity risk? I would have thought that Blackrock's Consensus and Mymap funds would be spoken about much more on here. Also for that matter L&G multi-index and HSBC multi-asset funds.

eskbanker

threlkeld53 said:

dunstonh said:

There has to be some doubt as Vanguard are just one of many doing multi-asset.   They are not the cheapest or the best performer. 

Vanguard's Lifestrategy funds certainly get mentioned a lot on these forums. Probably several times a day. So if they aren't the best performers what would you suggest for multi-asset funds with a similar range of 20% up to 100% equity risk? I would have thought that Blackrock's Consensus and Mymap funds would be spoken about much more on here. Also for that matter L&G multi-index and HSBC multi-asset funds.

https://monevator.com/passive-fund-of-funds-the-rivals/ is often linked on threads here, as it summarises many of the most popular options, although its 2019 publication predates the launch of MyMap.

quirkydeptless

There's also some Mutli-asset ETFs which might suit some platforms pricing models. I'm aware of:
BLACKROCK ESG MULTI-ASSET GROWTH  (MAGG)
BLACKROCK ESG MULTI-ASSET MODERATE (MAMG)
BLACKROCK ESG MULTI-ASSET CONSERVATIVE ETF (MACG)
I'm not aware of any others.

moneysavinghero

Thrugelmir said:

moneysavinghero said:

2021 said:

DrSyn said:

A Global Multi Asset Fund with a share/bond split you are comfortable with seem a reasonable suggestion.
Another option might be a Target Retirement Fund.
Out of interest which you tube video did you watch?

 'Vanguard Lifestrategy Funds Explained | The only fund you will ever need (Investing for beginners)' by James Shack.

So basically some wannabe youtuber gets paid by Vanguard to promote their product and low and behold he tells you that the Vanguard product is the only product you will ever need. 

Vanguard themselves spend little on marketing. 

Thrugelmir said:

moneysavinghero said:

2021 said:

DrSyn said:

A Global Multi Asset Fund with a share/bond split you are comfortable with seem a reasonable suggestion.
Another option might be a Target Retirement Fund.
Out of interest which you tube video did you watch?

 'Vanguard Lifestrategy Funds Explained | The only fund you will ever need (Investing for beginners)' by James Shack.

So basically some wannabe youtuber gets paid by Vanguard to promote their product and low and behold he tells you that the Vanguard product is the only product you will ever need. 

Vanguard themselves spend little on marketing. 

What little they do spend must all go James Shacks way then as half of his videos seem to be about Vanguard products. 

Thrugelmir

ratechaser said:

Thrugelmir said:

moneysavinghero said:

2021 said:

DrSyn said:

A Global Multi Asset Fund with a share/bond split you are comfortable with seem a reasonable suggestion.
Another option might be a Target Retirement Fund.
Out of interest which you tube video did you watch?

 'Vanguard Lifestrategy Funds Explained | The only fund you will ever need (Investing for beginners)' by James Shack.

So basically some wannabe youtuber gets paid by Vanguard to promote their product and low and behold he tells you that the Vanguard product is the only product you will ever need. 

Vanguard themselves spend little on marketing. 

They don't even have an app!

Cannot be bothered with them myself. Much prefer my two large desk top monitors. The novelty will pass. 

moneysavinghero

https://investor.vanguard.com/investing/mobile-apps
Looks like they already have an app and a new one is coming along soon too.