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Vls80

edited 30 November -1 at 12:00AM in Savings & Investments
9 replies 897 views
dd95dd95
104 posts
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edited 30 November -1 at 12:00AM in Savings & Investments
Hi all,

what sort of average annual return have those with VLS80 experienced?

cheers

Replies

  • Alistair31Alistair31
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    Trustnet has all the charts and data you could ever dream of.

    https://www.trustnet.com/factsheets/o/acdt/vanguard-lifestrategy-80-equity
  • StargunnerStargunner
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    Google vls80 performance and you will get all the information that you need including charts of its performance over the years.
    But past performance is no guarantee for the future.
  • Username999Username999
    75 posts
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    Year Return
    2019 18.06%
    2018 -4.04%
    2017 10.91%
    2016 22.15%
    2015 3.09%
    2014 9.07%
    2013 15.95%
    2012 10.60%
    2011 -
  • george4064george4064
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    have a look yourself at the fund's factsheet HERE
    "If you aren’t willing to own a stock for ten years, don’t even think about owning it for ten minutes” Warren Buffett

    Save £12k in 2018 - #004 £9,165.94 (76%)
    Save £12k in 2019 - #007 £11,720.24 (98%)
    Save £12k in 2020 - #021 £428.94 (3%)
  • HHarryHHarry
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    Are the return figures based on the funds base currency, or adjusted for £.

    I don’t think I got anywhere close to 18% last year - would currency fluctuations account for it?
  • eskbankereskbanker
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    HHarry wrote: »
    Are the return figures based on the funds base currency, or adjusted for £.

    I don’t think I got anywhere close to 18% last year - would currency fluctuations account for it?
    No, it's denominated in sterling.

    The unit price of the Acc variant of the fund was £184.28 on 31 December 2018 and £217.57 on 31 December 2019, hence the 18.06% figure reported above.

    Do you perhaps have the Inc version, which obviously has lower price growth (15.94%) alongside its dividend distribution?

    If not, what leads you to believe that your return was different?
  • bowlhead99bowlhead99
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    HHarry wrote: »
    Are the return figures based on the funds base currency, or adjusted for £.

    I don’t think I got anywhere close to 18% last year - would currency fluctuations account for it?

    The vanguard LS80 fund's reporting and pricing currency is GBP, so does not need to be 'adjusted for £'

    The total return of the UK FTSE all share was 19%, and UK equities are a quarter of the total equities held.

    The total return of the S&P500 in 2019 was 33%, though would have been a bit less than that in sterling because a dollar was worth 78.4p at the end of 2018 but only 75.4p at the end of 2019. So less than a 33% return, but well over 18%; and US equities are getting on for half the total equities.

    Their Europe ex UK index did a total return of 20% in GBP for 2019. It was generally a good year for equities around the world.

    With that backdrop and their portfolio mix, it doesn't seem at all unreasonable that they got 18% in GBP in total after accounting for the lower returns of things like emerging markets (13-14% total return in GBP) or the bond components.

    If you didn't get anywhere close to 18% total return, it's probably because you didn't invest in the same things as they did. The things you did invest in, might serve you better in years with different market conditions.
  • ThrugelmirThrugelmir
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    Year Return
    2019 18.06%
    2018 -4.04%
    2017 10.91%
    2016 22.15%
    2015 3.09%
    2014 9.07%
    2013 15.95%
    2012 10.60%
    2011 -

    What matters though is the entry point that one invests hard cash.
    “Risk comes from not knowing what you are doing. – Warren Buffett”
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