Has any one with personal experience with Vanguard

dunstonh

 It is protected by FSCS for the first £85000.

Not if you are using the ETFs.

My intension was to invest in one of their funds with long term as 25 years so it will hopefully beat the inflation.

The S&P500 tracker covers your US allocation.   What about other countries and areas (potentially around 15 funds you would need if you are going to use single sector funds).
You shouldn't be investing in the S&P500 tracker by itself.

Thrugelmir

Vanguards ETF distributes dividends.

iShare (Blackrock) offer an accumulation version , same fee rate of 0.07%.  Maybe more convenient to hold than manually reinvesting the dividends back into the fund. 

TUVOK

I've been with vanguard for several years, their service put's many other platforms to shame.

bostonerimus

Thrugelmir said:

Vanguards ETF distributes dividends.

iShare (Blackrock) offer an accumulation version , same fee rate of 0.07%.  Maybe more convenient to hold than manually reinvesting the dividends back into the fund. 

H&L has the ishares US Equity Index Acc fee as 0.05% whereas the Vanguard US Equity Acc  has fees of 0.1%. You will have to
include platform charges, but the iShares looks like a good deal. I think it's wonderful that the UK investor can now get quality tracker funds with fees as low as 0.05%.

Thrugelmir

bostonerimus said:

Thrugelmir said:

Vanguards ETF distributes dividends.

iShare (Blackrock) offer an accumulation version , same fee rate of 0.07%.  Maybe more convenient to hold than manually reinvesting the dividends back into the fund. 

H&L has the ishares US Equity Index Acc fee as 0.05% whereas the Vanguard US Equity Acc  has fees of 0.1%. You will have to
include platform charges, but the iShares looks like a good deal. I think it's wonderful that the UK investor can now get quality tracker funds with fees as low as 0.05%.

I was comparing the S&P 500 options that the OP alluded to rather than the broader US market option of some 3,000+ stocks. 

JohnWinder

dunstonh said:

The S&P500 tracker covers your US allocation.   What about other countries and areas (potentially around 15 funds you would need if you are going to use single sector funds).

You shouldn't be investing in the S&P500 tracker by itself.

It's a very good index, and one could make a whole lot worse investment decisions, but every cautionary note in the thread is worth taking note of. You haven't indicated why you chose SP500, but if it has anything to do with how well it has performed in recent times with the big tech companies going gang busters, then just be aware of being over-influenced by recent events (recency bias, I think the behavioural psychologists call it). With equity investing, index funds are great but diversification is the name of the game unless you're a bigger risk taker. A whole of US fund would capture small companies as well as the 500 in the SP500, and small companies used to and might again out-perform the bigger ones - it's unnecessary to miss out having them. Indeed, you could get most of the world in one fund.  Here's a bit of history of the SP500 to fill out the picture:

https://www.bogleheads.org/forum/viewtopic.php?f=10&t=344382&p=5908518#p5908518