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Advice on first S & S ISA opened with Vanguard
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isayhello
Posts: 455 Forumite


I've opened my first S&S ISA with vanguard at the end of the last tax year and have a few questions. I invested the full allowance into the following funds roughly as follows:
70% - life strategy 100%
15% - FTSE all world high dividen yield
15% - S&P 500
I didn't have any specifically strong reasons for this split, it was just how I decided to go after reading other threads and information online. Any advice or feedback on this allocation would be great thanks.
I'm looking to invest this years allowance in as well now and wondered if people would recommend going all in or is it better to contribute over the year to ride out any fluctuations in the price?
70% - life strategy 100%
15% - FTSE all world high dividen yield
15% - S&P 500
I didn't have any specifically strong reasons for this split, it was just how I decided to go after reading other threads and information online. Any advice or feedback on this allocation would be great thanks.
I'm looking to invest this years allowance in as well now and wondered if people would recommend going all in or is it better to contribute over the year to ride out any fluctuations in the price?
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Comments
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As many others will say, best practice is to invest as much as you can afford to as soon as you can.This means that overall you have more money invested earlier and statistically over the long-term you will get better performance if you invest a cash lump sum in one go rather than drip feeding it over a 12 month period."If you aren’t willing to own a stock for ten years, don’t even think about owning it for ten minutes” Warren Buffett
Save £12k in 2025 - #024 £1,450 / £15,000 (9%)2 -
I wouldn't touch a passive high yield fund with a barge pole and don't see why you need the S&P500 fund when you already have heavy US exposure in the VLS100 fund. I would just go VLS100 or perhaps Vanguard Global All Cap if you don't want the UK bias but it's looking good value at the moment. @coastline posted a good graph earlier on another thread which addresses US stock outperformance periods so be careful if only looking at data from the last 5-10 years.1
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So @george4064 the idea of investing it all in one go is better even if prices dropped later on and if you drip fed then you would buy cheaper? I know there might be different views on this, was just curious while trying to decide which approach to take.0
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isayhello said:@Alexland Can I ask the reason for avoiding the high yield fund? I'd seen on many other posts and videos people were investing in this one.
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I'm not sure that high dividend, widely diversified equity funds are a hanging crime unless you believe they're immune to downturns in a downturn and thus pin your faith on them for retirement. However their returns might turn out to be, they seem to offer nothing that a probably cheaper all cap fund would.Here are a couple of discussions: https://www.bogleheads.org/forum/viewtopic.php?t=2582400
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isayhello said:So @george4064 the idea of investing it all in one go is better even if prices dropped later on and if you drip fed then you would buy cheaper? I know there might be different views on this, was just curious while trying to decide which approach to take.
Statistically speaking markets go up, and that when you ‘increase’ the length of time in the market it improves your chances of receiving positive returns on your portfolio. This is assuming you are invested in a properly diversified portfolio, i.e. not Bitcoin or something!
"If you aren’t willing to own a stock for ten years, don’t even think about owning it for ten minutes” Warren Buffett
Save £12k in 2025 - #024 £1,450 / £15,000 (9%)0
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