20k ISA Time!

solidpro

It's that time of year. I've got 20 years of investing ahead of me with a £20k ISA S&S allowance hole which needs filling. Torn between "S&P 500 UCITS ETF accumulation" and "VLS 100% accumulation".... Let's just say that Vanguard is the only company you can use, which one?

Awaiting positivity and good vibes!

gravel_2

What rationale took you to those two funds?

masonic

I would opt for neither of those, but that's just me. What has drawn you to a choice between S&P500 with no exposure to companies listed in the rest of the world vs global with a significant UK bias?

ColdIron

Neither

The first is putting most of your eggs in one geographic basket and the other is the worst of LifeStrategy range

Vanguard have several global trackers to chose from assuming you have the capacity for loss that comes with 100% equities. Few do in the real world

solidpro

Love it. Every answer to a binary question is either 'neither' or 'you fool! why didn't you do it 6 months ago'? MSE forum gold.

solidpro

masonic said:

I would opt for neither of those, but that's just me. What has drawn you to a choice between S&P500 with no exposure to companies listed in the rest of the world vs global with a significant UK bias?

What's attracted me to two very profitable (if you're taken in by past performance) funds which don't require any thinking whatsoever that have most investments in very developed, stable, boring, established economies? Same as lots of other people, probably. Anyway, it wasn't a why, it was a binary 'which one'? If you have a problem being positive, just say which is the most negative.

"What first attracted you to the multi-millionaire Paul Daniels?"

InvesterJones

solidpro said:

Love it. Every answer to a binary question is either 'neither' or 'you fool! why didn't you do it 6 months ago'? MSE forum gold.

You haven't explained why you only have a binary choice. Vanguard as a platform I can understand, but there are many other (perhaps better) choices of profitable no-thinking-required options available if that's the reasoning.

gravel_2

If line goes up on both why not 50:50 into both. You can't possibly lose.

aroominyork

Well, aren't you keen to make friends today! If you can explain why it must be a binary choice then you might get your binary answer. But when we post on here we know other people are reading and being informed (or misinformed) by the chat, so if we think "neither of the above" we will say so. So I'll give two answers, one for you and one for everyone else. For you I'd go with VLS100 (or S&P 500). For everyone else I'd go with neither - I'll go with Vanguard's (also quite expensive - shame they have no cheap option) global all cap index.

chockydavid1983

Same. Vanguard global ftse all cap.

masonic

solidpro said:

masonic said:

I would opt for neither of those, but that's just me. What has drawn you to a choice between S&P500 with no exposure to companies listed in the rest of the world vs global with a significant UK bias?

What's attracted me to two very profitable (if you're taken in by past performance) funds which don't require any thinking whatsoever that have most investments in very developed, stable, boring, established economies? Same as lots of other people, probably. Anyway, it wasn't a why, it was a binary 'which one'? If you have a problem being positive, just say which is the most negative.

"What first attracted you to the multi-millionaire Paul Daniels?"

They are both equally negative for different reasons, as I explained in my question. Suggest you have some learning to do. Lesson number one is not investing on the basis of votes in a discussion forum. But if you really are only interested in votes, then perhaps start a poll.