We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Vanguard Investment Fund
schoey123
Posts: 45 Forumite
Hi - I've after some advice about which Vanguard Investment fund to choose.
I've setup a £300 a month regular contribution to my S&S ISA with Hargreaves Lansdown.
My high-level criteria:
invest for over 10 years
global exposure
multi-asset
on a scale of 1 to 10 (10 being high risk) I'm a 6.
Thanks,
I've setup a £300 a month regular contribution to my S&S ISA with Hargreaves Lansdown.
My high-level criteria:
invest for over 10 years
global exposure
multi-asset
on a scale of 1 to 10 (10 being high risk) I'm a 6.
Thanks,
0
Comments
-
You could go direct with Vanguard Investor and save 0.3% each year on platform fees.
That aside, I would go with the Lifestrategy 60 (acc).0 -
I've after some advice about which Vanguard Investment fund to choose.
Based on what you have written, it would be any of the 5 multi-asset funds they offer.
If you are limiting yourself to just Vanguard, then why are you using HL?on a scale of 1 to 10 (10 being high risk) I'm a 6.
What context is that scale? Does 1 = cash. Does 10 mean the highest risk UT/OEIC options or the highest risk options from outside UT/OEICs? are the risk levels evenly spread or have different weightings (some have tighter lower risk volatility spreads but larger higher risk ones).
In other words, context is needed. How much loss can you stomach or afford in a 12 month period?
BLB53 has mentioned VLS60 but on our 1-10 scale, 6 would be VLS80. So this is why that context is important.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
I agree if you are only buying Vanguard then move your ISA to Vanguard. Not only are the fees cheaper but they allow you to invest all your money with no need to keep a cash balance to pay fees.
I find keeping track of tiny cash balances under threat of penalty fees irritating and only put up with it in my Halifax SIPP because the fixed fee is such good value on large balances. I have a DD setup for exactly the right amount each month.
Vanguard has the right idea - fees should be automatic as humans have invented computers.
My guess on your limited information is that you are somewhere around VLS60 as bonds are carrying a lot more risk these days I wouldn't sleep at night for fear if I was in 'safe' VLS20.
Personally I am 50:50 between VLS60 and VLS80 in my ISA and that's because I had no problems holding my nerve during the 2008 financial crisis (I even invested lump sums when the market was cheap to reduce my average unit cost) and still have a lot more accumulation time ahead.
If the markets dropped by 15% then I would swap the VLS60 for more VLS80 which would be like pushing the Turbo button on an old 486 but better as most of them didn't have a motherboard that supported the feature!
Alex0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.4K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 455K Spending & Discounts
- 246.5K Work, Benefits & Business
- 602.8K Mortgages, Homes & Bills
- 178K Life & Family
- 260.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards