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Pension transfer issue: Barclays & Vanguard

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  • ossie48
    ossie48 Posts: 281 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    edited 10 November 2025 at 6:48PM
    Just an update on this: 

    Within a few days of the pension transfer it was put into VLS60 as I requested, needless to the pension is already showing a loss as fund prices have dropped. Ordinarily I wouldn't be bothered as we hold a fair bit of VLS60/ 80 and we're just letting that do its thing with no cut off date.

    However as this is literally a seven year SIPP drawdown based on an illustration of £800 a month,  I'm wondering if I should put it in an even less riskier option than VLS60, it was suggested above we just need to cover inflation only  which makes sense.

    Is there anything I can do within the scope of the Vanguard platform to keep it simple, VLS20 or 40 (still risk factor 4 same as VLS60) or cash even at 1.95% ? The drawdown sum is getting reinvested straight back into VLS60 or 80 in a S&S ISA. 

    I'm just interested in what others might do with such a short potential drawdown period and what effectively is a small pot.  
  • The bonds within Lifestrategy are of longer duration than many other multi-asset funds, so you could always mix something like VLS60 and their MMF, to reduce the duration of the fixed income.

    Alternatively, Vanguard have a global short-term bond fund (bonds up to 5 years, GBP hedged), so if you combine that with an equity index fund you could create something that matches your investing horizon.
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