Vanguard: which fund or funds for ISAs for old folks?
Discussion
Wife and I are into our late 70s and we're considering where to place our next ISAs. We have just about decided to go for S&S ISAs, and from research on PH and elsewhere, Vanguard look to be pretty good all round. So, if we do go ahead with this, which particular Vanguard fund(s) do you think we should consider as most appropriate?
Aside from a shareholding I have in my ex employer via their ESPP, we have no direct shareholdings. We do have cash deposits readily accessible.
Wife has a small S&S ISA with Fidelity (it transferred from L&G recently). One thing she is concerned about is the quantity of unsolicited stuff she gets from Fidelity. She would not want the same with Vanguard, so can this be avoided if we do go with them?
R.
Aside from a shareholding I have in my ex employer via their ESPP, we have no direct shareholdings. We do have cash deposits readily accessible.
Wife has a small S&S ISA with Fidelity (it transferred from L&G recently). One thing she is concerned about is the quantity of unsolicited stuff she gets from Fidelity. She would not want the same with Vanguard, so can this be avoided if we do go with them?
R.
The Leaper said:
Wife and I are into our late 70s and we're considering where to place our next ISAs. We have just about decided to go for S&S ISAs, and from research on PH and elsewhere, Vanguard look to be pretty good all round. So, if we do go ahead with this, which particular Vanguard fund(s) do you think we should consider as most appropriate?
Aside from a shareholding I have in my ex employer via their ESPP, we have no direct shareholdings. We do have cash deposits readily accessible.
Wife has a small S&S ISA with Fidelity (it transferred from L&G recently). One thing she is concerned about is the quantity of unsolicited stuff she gets from Fidelity. She would not want the same with Vanguard, so can this be avoided if we do go with them?
R.
First question is what are you trying to achieve with this investment ? It's impossible for anyone to suggest a fund without knowing that.Aside from a shareholding I have in my ex employer via their ESPP, we have no direct shareholdings. We do have cash deposits readily accessible.
Wife has a small S&S ISA with Fidelity (it transferred from L&G recently). One thing she is concerned about is the quantity of unsolicited stuff she gets from Fidelity. She would not want the same with Vanguard, so can this be avoided if we do go with them?
R.
my wife and I are invested in a number of Vanguard funds including LS20, LS60 and LS100
over the last month or so they have all lost money in varying degrees, and the LS20 fund has lost almost as much as the LS60 fund, so picking a fund that will protect you if the market crashes isn't that simple.
one of the bond funds would give you fairly good protection from any major down turns but if you look at their performance most of them are barely keeping up with inflation.
I think you really need to decide what you want to achieve and how long your willing or able to leave your investments to grow before touching them, then pick a fund that best fits your requirements,
If you want a fund that gives you a lot of exposure to different markets then the LifeStrategy funds are very good at this and you just need to decide what level of equity you're comfortable with,
also, there's a lot of crossover with many of the funds so it's worth reading the data sheets before making a choice,
We don't have any issues with unsolicited mail, just get the odd newsletter turning up in our inboxes now and again,
they're also pretty easy to deal with, I've rang them a few times as well as sending secure messages and they've always proved to be very helpful, so I'd happily recommend them to anyone interested.
outnumbered said:
First question is what are you trying to achieve with this investment ? It's impossible for anyone to suggest a fund without knowing that.
My wild guess is 'growth'...NB I don't get much junk mail from Fidelity - and you can always burn it to offset your new big gas bill...
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