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Can I just use Vanguard Lifestrategy funds for my retirement

Ecee76
Posts: 8 Forumite

Hello
I appreciate that no one can give me financial advice- just really looking for a steer on whether this sounds sensible.
I want to create a cashflow ladder with money for the next few years in cash, then the few years after that in low-medium risk investments, then a chunk in medium risk and the remainder higher risk. I've had money in the Vanguard Lifestrategy 100% equity fund for years and always liked it. It struck me I could keep things simple and just use the versions of this fund with higher bond allocation for my lower risk investments eg 20% equity for the low-medium risk, 60% equity medium risk, 100% equity high risk.
I'd like to keep things simple as I'll be managing it all myself and this seems to do that, as well as being low cost. But am I missing something?
Thank you!
I appreciate that no one can give me financial advice- just really looking for a steer on whether this sounds sensible.
I want to create a cashflow ladder with money for the next few years in cash, then the few years after that in low-medium risk investments, then a chunk in medium risk and the remainder higher risk. I've had money in the Vanguard Lifestrategy 100% equity fund for years and always liked it. It struck me I could keep things simple and just use the versions of this fund with higher bond allocation for my lower risk investments eg 20% equity for the low-medium risk, 60% equity medium risk, 100% equity high risk.
I'd like to keep things simple as I'll be managing it all myself and this seems to do that, as well as being low cost. But am I missing something?
Thank you!
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Comments
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If you're wedded to the Vanguard platform, it isn't a crazy plan and is like to work reasonably well.Personally I'd choose VWRL/VWRP rather than VLS100, but that's something that's been debated at length before.N. Hampshire, he/him. Octopus Intelligent Go elec & Tracker gas / Vodafone BB / iD mobile. Ripple Kirk Hill member.
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I often wonder whether it is really worth bothering in funds like VLS20, or similar.
Probably easier and better to keep it as cash earning interest.0 -
It's a perfectly sensible plan and I applaud you for keeping things simple. The LifeStrategy funds give you a ready made portfolio and you can easily change your asset allocation as you age by mixing and matching them. There will be slightly cheaper ways of implementing your plan using index funds, gilts and money market funds, but there is a lot to be said for simplicity and being comfortable with a plan.And so we beat on, boats against the current, borne back ceaselessly into the past.0
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It all depends exactly what you are planning.....in terms of how much in each fund and how you plan drawdown from them.
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