Vanguard LifeStrategy 100 or Index Tracker?

HCIMbtw

Early 30's here 

I use Vangaurd, because its the cheapest platform for monthly contributions

Currently have about 80% of my money in LS100, and about 20% in FTSE all world index.. just putting money in the FTSE all world index atm, mostly to bring my % exposure to UK markets down a bit (and diversify against my pension which has large UK exposure as well). 

The plan is once i hit 30-40k in the ISA, transferring that chunk to a platform like iWEB 

And I might also change my fund to HSBC FTSE all world index acc on iWeb... has just performed slightly better than the vanguards, but only really makes sense for me to hold in an iWeb account once I have built up a wedge 

Will still maintain a vanguard for monthly contributions

Will do it all in S&S ISA wrapper, hopefully use it as a bridge for retirement, worst case scenario its an emergency fund.. 

solidpro

MaxiRobriguez said:

Try plugging in 4% real returns to get a more realistic picture.

Just wondering, when you say *real* is that 4% AFTER inflation or before it?

Thrugelmir

solidpro said:

MaxiRobriguez said:

Try plugging in 4% real returns to get a more realistic picture.

Just wondering, when you say *real* is that 4% AFTER inflation or before it?

After inflation. It's the around the long term historic average (over a 100 years) before fees, but with income reinvested. Of course there's wide divergance over periods of time.