Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

    • schoey123
    • By schoey123 14th Sep 17, 12:42 PM
    • 45Posts
    • 8Thanks
    Vanguard Investment Fund
    • #1
    • 14th Sep 17, 12:42 PM
    Vanguard Investment Fund 14th Sep 17 at 12:42 PM
    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
    on a scale of 1 to 10 (10 being high risk) I'm a 6.

Page 1
    • BLB53
    • By BLB53 14th Sep 17, 12:47 PM
    • 1,325 Posts
    • 1,101 Thanks
    • #2
    • 14th Sep 17, 12:47 PM
    • #2
    • 14th Sep 17, 12:47 PM
    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).
    If you choose index funds you can never outperform the market.
    If you choose managed funds there's a high probability you will underperform index funds.
    • dunstonh
    • By dunstonh 14th Sep 17, 12:48 PM
    • 93,425 Posts
    • 60,946 Thanks
    • #3
    • 14th Sep 17, 12:48 PM
    • #3
    • 14th Sep 17, 12:48 PM
    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). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Alexland
    • By Alexland 14th Sep 17, 8:44 PM
    • 2,715 Posts
    • 2,061 Thanks
    • #4
    • 14th Sep 17, 8:44 PM
    • #4
    • 14th Sep 17, 8:44 PM
    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!

    Last edited by Alexland; 14-09-2017 at 9:06 PM.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,683Posts Today

6,791Users online

Martin's Twitter