Getting FIREd up 😀

South_coast

43 points, so probably another 6 months 😅

South_coast

So Vanguard have launched Lifestrategy Global funds, to do what Lifestrategy does currently but without the home bias. I've put £1 into the 80/20 - mostly as an aide memoire to myself that it exists for in 18 months' time when I am actually going to be investing!

So when on 1 January next year I say I've not put anything into S&S in the year, you can correct me and say I added £1 🤣!

edinburgher

That's really interesting thanks @South_coast . I use one of their target retirement funds but the fund charge is 20% higher than the VLS funds. I'm considering using two VLS funds to save on costs, lifestyle by rebalancing once a year?

South_coast

Ed, you're talking that other language again....🙄🤣

edinburgher

Soz. Use a mix of two of the funds you've mentioned to recreate a target retirement fund with lower costs.

Merlin's_Beard

Oh that's quite interesting! Might have to have a shufty around with my pensions.

South_coast

https://forums.moneysavingexpert.com/discussion/comment/81863885#Comment_81863885

Thanks 😅!

South_coast

More Vanguard chat....

It's probably time I did something about this (green dots are when I bought):

I got all red = buy trigger happy when the price was falling in 2022, but it kept on falling and has never recovered. I told myself I'd get out when I broke even, but who knows when that will be - and in the meantime that same money could be doing this:

It's only 6% of the total, but still.... Time to cut my losses and switch 🤷‍♀️?

edinburgher

Were the gilts supposed to be the "bonds" component of your portfolio?

South_coast

Yeah 🙄 (of the S&S anyway, there's obvs bonds making up part of the pensions). I think in my head I naively thought that because it was inflation-linked, it would maintain its value 🤷‍♀️? It's safe to say it's put me on a real downer about bonds, but maybe if I switched it to the 80/20 I could at least pretend I am doing it "correctly"?