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Vanguard ISA transfer to Target Retirement Fund

AsifM068
Posts: 184 Forumite

Hi,
Would it be possible to transfer an existing Vanguard ISA (FTSE Global All Cap) to one of Vanguard's TRFs under an ISA umbrella?
Would it be possible to transfer an existing Vanguard ISA (FTSE Global All Cap) to one of Vanguard's TRFs under an ISA umbrella?
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Comments
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AsifM068 said:Hi,
Would it be possible to transfer an existing Vanguard ISA (FTSE Global All Cap) to one of Vanguard's TRFs under an ISA umbrella?What’s the attraction of their TRFs?1 -
badger09 said:AsifM068 said:Hi,
Would it be possible to transfer an existing Vanguard ISA (FTSE Global All Cap) to one of Vanguard's TRFs under an ISA umbrella?What’s the attraction of their TRFs?0 -
Not necessarily flawed, but not the only option. Some pros & cons here, and I’m sure there are other articles online
https://monevator.com/vanguard-target-retirement-funds/
Hopefully one of our regular IFA posters such as @dunstonh will be along with an opinion.1 -
AsifM068 said:Thank you so much for the clarification. I'm about 5 years away from retirement so I am just scoping out my options to lower my risk profile through a higher exposure to bonds; is this strategy flawed?
For example are you looking to de-risk and performance link to bond yields in anticipation of buying an annuity or will you be doing drawdown from an investment pot which would require you to carry a fair amount of investment risk during your retirement to generate enough likely performance for inflation protection?
Also if this is for retirement have you considered if a pension might be better than an ISA? Again it depends on how you will use it for example if you want access to lump sums at short notice then maybe a cash ISA would be better but if you just want a trickle of income a pension may be better.1 -
Another option is one of the LifeStrategy funds, which have a fixed bond amount.1
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Thank you all for the pointers; stay tuned for more crazy ideas on the investment front!1
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Vanguard has advised me that I will have to sell and buy the TRF (as advised - thank you Badger) via the 'switch option' and my ISA wrapper is not affected.
Thanks again folks.0
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