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  • FIRST POST
    • dd95
    • By dd95 14th Jan 20, 9:10 PM
    • 92Posts
    • 11Thanks
    dd95
    Vls80
    • #1
    • 14th Jan 20, 9:10 PM
    Vls80 14th Jan 20 at 9:10 PM
    Hi all,

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

    cheers
Page 1
    • Alistair31
    • By Alistair31 14th Jan 20, 9:15 PM
    • 237 Posts
    • 231 Thanks
    Alistair31
    • #2
    • 14th Jan 20, 9:15 PM
    • #2
    • 14th Jan 20, 9:15 PM
    Trustnet has all the charts and data you could ever dream of.

    https://www.trustnet.com/factsheets/o/acdt/vanguard-lifestrategy-80-equity
    • central
    • By central 14th Jan 20, 9:17 PM
    • 193 Posts
    • 106 Thanks
    central
    • #3
    • 14th Jan 20, 9:17 PM
    • #3
    • 14th Jan 20, 9:17 PM
    https://www.trustnet.com/factsheets/o/acdt/vanguard-lifestrategy-80-equity-a
    • Stargunner
    • By Stargunner 14th Jan 20, 9:23 PM
    • 15 Posts
    • 4 Thanks
    Stargunner
    • #4
    • 14th Jan 20, 9:23 PM
    • #4
    • 14th Jan 20, 9:23 PM
    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.
    • Username999
    • By Username999 14th Jan 20, 9:23 PM
    • 59 Posts
    • 17 Thanks
    Username999
    • #5
    • 14th Jan 20, 9:23 PM
    From Vanguard Site
    • #5
    • 14th Jan 20, 9:23 PM
    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 -
    • george4064
    • By george4064 15th Jan 20, 10:04 AM
    • 1,441 Posts
    • 1,428 Thanks
    george4064
    • #6
    • 15th Jan 20, 10:04 AM
    • #6
    • 15th Jan 20, 10:04 AM
    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 2017 - #003 £12,427.51 (104%)
    Save £12k in 2018 - #004 £9,165.94 (46%)
    Save £12k in 2019 - #007 £11,332.36 (94%)
    • HHarry
    • By HHarry 15th Jan 20, 10:35 AM
    • 564 Posts
    • 405 Thanks
    HHarry
    • #7
    • 15th Jan 20, 10:35 AM
    • #7
    • 15th Jan 20, 10:35 AM
    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?
    • eskbanker
    • By eskbanker 15th Jan 20, 11:26 AM
    • 12,163 Posts
    • 15,078 Thanks
    eskbanker
    • #8
    • 15th Jan 20, 11:26 AM
    • #8
    • 15th Jan 20, 11:26 AM
    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?
    Originally posted by HHarry
    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?
    • bowlhead99
    • By bowlhead99 15th Jan 20, 11:32 AM
    • 9,804 Posts
    • 17,930 Thanks
    bowlhead99
    • #9
    • 15th Jan 20, 11:32 AM
    • #9
    • 15th Jan 20, 11:32 AM
    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?
    Originally posted by HHarry
    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.
    • Thrugelmir
    • By Thrugelmir 15th Jan 20, 12:57 PM
    • 66,351 Posts
    • 58,409 Thanks
    Thrugelmir
    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 -
    Originally posted by Username999
    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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