Investing with Vanguard directly
Discussion
In early prep for next year's ISA (I've already opened a subs this year with HL) I'm looking to go directly with Vanguard on one of their Lifestrategy funds (most likely the 100% one) for the lower fees.
Does anyone use their site, and is https://www.vanguardinvestor.co.uk the correct website?
Does anyone use their site, and is https://www.vanguardinvestor.co.uk the correct website?
It's the right website.
Unless you specifically want the UK bias in LifeStrategy I'd consider a global index tracker if you definitely want to be 100% equities.
Vanguard offer several depending if you want a fund or ETF and whether you want all small companies and emerging markets etc.
Unless you specifically want the UK bias in LifeStrategy I'd consider a global index tracker if you definitely want to be 100% equities.
Vanguard offer several depending if you want a fund or ETF and whether you want all small companies and emerging markets etc.
Sorry to tag onto your post, but i also have some questions on Vanguard and seems like a good time.
Looking to invest between 50-100k. Thinking about the Lifestrategy funds, and considering splitting the investment across perhaps
the 40% fund for around half, and the rest in a slightly more exciting 80-100% fund.
Any thoughts or advice gratefully received
Looking to invest between 50-100k. Thinking about the Lifestrategy funds, and considering splitting the investment across perhaps
the 40% fund for around half, and the rest in a slightly more exciting 80-100% fund.
Any thoughts or advice gratefully received
stuntmaneddie said:
Sorry to tag onto your post, but i also have some questions on Vanguard and seems like a good time.
Looking to invest between 50-100k. Thinking about the Lifestrategy funds, and considering splitting the investment across perhaps
the 40% fund for around half, and the rest in a slightly more exciting 80-100% fund.
Any thoughts or advice gratefully received
Why don't you put it all in a 60% directly?Looking to invest between 50-100k. Thinking about the Lifestrategy funds, and considering splitting the investment across perhaps
the 40% fund for around half, and the rest in a slightly more exciting 80-100% fund.
Any thoughts or advice gratefully received
Is it not the case that you can open an ISA with Vanguard and invest in different products (i.e LS60/100) within that years isa? Or am I well wide of the mark with that and actually its one product per year? ( I know you wouldn't do two LS products but hypothetically I mean) - https://www.hl.co.uk/help/isas/stocks-and-shares-i...
To the bloke above, doing 20k soonish and then another 20k next year will be better surely than lumping in 50k now and 30k of if not being shielded from tax?
To the bloke above, doing 20k soonish and then another 20k next year will be better surely than lumping in 50k now and 30k of if not being shielded from tax?
Edited by okgo on Wednesday 24th November 15:52
okgo said:
Is it not the case that you can open an ISA with Vanguard and invest in different products (i.e LS60/100) within that years isa? Or am I well wide of the mark with that and actually its one product per year?
To the bloke above, doing 20k soonish and then another 20k next year will be better surely than lumping in 50k now and 30k of if not being shielded from tax?
The ISA is just the tax wrapper and the limits are about getting money inside the ISA.To the bloke above, doing 20k soonish and then another 20k next year will be better surely than lumping in 50k now and 30k of if not being shielded from tax?
Once it's in you can invest in pretty much anything Vanguard offer and buy and sell as much as you like within the ISA.
okgo said:
Yes I just wondered whether investing in different funds was actually classed as 'opening more than one S&S isa' which obviously you can't in a calendar year - i.e. next year I couldn't open a Smithson ISA and a Lindsell ISA...
You can only subscribe to one provider per year. eg Vanguard Direct or HL. You can invest in Vanguard funds within HL but the fees are higher...hence my original question.
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hstewie said:
hstewie said: It's the right website.
Unless you specifically want the UK bias in LifeStrategy I'd consider a global index tracker if you definitely want to be 100% equities.
Vanguard offer several depending if you want a fund or ETF and whether you want all small companies and emerging markets etc.
Hey Stewie!Unless you specifically want the UK bias in LifeStrategy I'd consider a global index tracker if you definitely want to be 100% equities.
Vanguard offer several depending if you want a fund or ETF and whether you want all small companies and emerging markets etc.
Would you mind naming some of their global index trackers? Which would you recommend?
Trailhead said:
Hey Stewie!
Would you mind naming some of their global index trackers? Which would you recommend?
First thing is I don't work in finance and I don't recommend anything Would you mind naming some of their global index trackers? Which would you recommend?
That said, this gives you a bit of just about everything in the world worth owning including small-caps and emerging markets.
https://www.vanguardinvestor.co.uk/investments/van...
This gives you the developed world and large and mid-cap companies, so no exposure to emerging markets and small-caps, but it costs less as a result.
https://www.vanguardinvestor.co.uk/investments/van...
okgo said:
Yes I just wondered whether investing in different funds was actually classed as 'opening more than one S&S isa' which obviously you can't in a calendar year - i.e. next year I couldn't open a Smithson ISA and a Lindsell ISA...
Nothing to stop you opening an ISA with a broker/platform and buying both Smithson and Lindsell within it though.Abdul Abulbul Amir said:
Thanks, it was mainly the website I wanted validating, thier ISA fees are 0.15% compared to the 0.45% on HL.
I'll start off with a LS100 and then add others in future years/and when I can dump my individual holdings within HL and transfer across the cash.
Don't forget there are platform & fund fees within Vanguard, although it should still be cheaper than HL.I'll start off with a LS100 and then add others in future years/and when I can dump my individual holdings within HL and transfer across the cash.
okgo said:
Yes I just wondered whether investing in different funds was actually classed as 'opening more than one S&S isa' which obviously you can't in a calendar year - i.e. next year I couldn't open a Smithson ISA and a Lindsell ISA...
Nope.Most important thing is make sure your platform lets you buy what you want.
So for example if you have an ISA on Vanguard's platform you can only buy Vanguard funds.
On a different platform you could buy and sell from whatever they offer within the ISA.
Mr Pointy said:
Abdul Abulbul Amir said:
Thanks, it was mainly the website I wanted validating, thier ISA fees are 0.15% compared to the 0.45% on HL.
I'll start off with a LS100 and then add others in future years/and when I can dump my individual holdings within HL and transfer across the cash.
Don't forget there are platform & fund fees within Vanguard, although it should still be cheaper than HL.I'll start off with a LS100 and then add others in future years/and when I can dump my individual holdings within HL and transfer across the cash.
Abdul Abulbul Amir said:
True, but I assume the fund fees are the same regardless of platform?
Yes but... make sure you're comparing the same unit class if looking at the same fund on different platforms.I'm being pedantic as it's not an issue with Vanguard funds but it can be with other funds so it's perhaps something to be aware of.
Abdul Abulbul Amir said:
I've just checked, they are the same. So just the platform fees of 0.45% v 0.15% HL v VG
You're going to hate me for this 
For funds HL are expensive because as you say it's 0.45% platform fees until you have £250K.
For ETFs HL can be really cheap because fees are 0.45% but capped at £45/year in an ISA whilst Vanguard are 0.15% but capped at £375.
Honestly between platform fees and dealing fees and how often you buy or sell and the amounts involved it's odd how often different platforms can go from being cheap to expensive and vice versa.
bhstewie said:
hstewie said:Abdul Abulbul Amir said:
I've just checked, they are the same. So just the platform fees of 0.45% v 0.15% HL v VG
You're going to hate me for this For funds HL are expensive because as you say it's 0.45% platform fees until you have £250K.
For ETFs HL can be really cheap because fees are 0.45% but capped at £45/year in an ISA whilst Vanguard are 0.15% but capped at £375.
Honestly between platform fees and dealing fees and how often you buy or sell and the amounts involved it's odd how often different platforms can go from being cheap to expensive and vice versa.
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