Vanguard LS80 - am I missing out on anything

I'll have over 45k in Vls 100 this year and have decided not to diversify till i have 100k invested assets

bostonerimus wrote: »

VLS100 is already very diversified in equities.......you might think about some fixed income/cash

I have 15k in cash and another 10 across two p2p sites as well. Not that im equating p2p with cash but do think of it a bit like corporate bonds (with capital most definitely at risk hence why I'm not doing anything other than investing interest

Sorry for my stupidity but by fixed income you mean bonds? I'm not keen on bonds atm but have come to recognise there are obviously different types. Any particular fund you'd recommend

Fatbritabroad wrote: »

I have 15k in cash and another 10 across two p2p sites as well. Not that im equating p2p with cash but do think of it a bit like corporate bonds (with capital most definitely at risk hence why I'm not doing anything other than investing interest

Sorry for my stupidity but by fixed income you mean bonds? I'm not keen on bonds atm but have come to recognise there are obviously different types. Any particular fund you'd recommend

If you want to reduce volatility an intermediate term (5 to 10 years average maturity) bond fund can help. But as with equities only buy for the long term. Bond funds are probably going to fall in price for a few years so plan to reinvest interest and stay with them for the long haul. The VLS funds with bond allocations might be useful.