Vanguard SustainableLife 80-90% Equity Fund
Discussion
2and3and4 said:
Would this fund be a suitable home for a SIPP which will probably be getting drawn down in about 10 years time?
Or would VWRL be a better choice?
TIA
As okgo suggested , that is rather up to you Or would VWRL be a better choice?
TIA
Edited by 2and3and4 on Friday 28th June 12:15
my starter for one if you want the all world aspect but not drawing for 10 years VWRP the Accumulation version ( not drawdown one ) of the one you picked . Automatic reinvestment . My unauthorised / not advice suggestion ....and all that
As others, it depends. My approach is to make use of the LS funds (100/80 etc) for some and VUAG for the rest.
I think my current logic is that I choose to believe that the US is going to be bigger than it is now in 10 years time when considering the on-shoring that is going on over there atm. It's hard to bet against America and I accept the risk.
And the S&P 500 / US is something like 60% of the world by value anyway. so by sticking with the US, you are only really ignoring 35-40% extra diversification. Which is partly covered by the LS finds, but you could choose some others as well if you really wanted to.
I think my current logic is that I choose to believe that the US is going to be bigger than it is now in 10 years time when considering the on-shoring that is going on over there atm. It's hard to bet against America and I accept the risk.
And the S&P 500 / US is something like 60% of the world by value anyway. so by sticking with the US, you are only really ignoring 35-40% extra diversification. Which is partly covered by the LS finds, but you could choose some others as well if you really wanted to.
fat80b said:
As others, it depends. My approach is to make use of the LS funds (100/80 etc) for some and VUAG for the rest.
I think my current logic is that I choose to believe that the US is going to be bigger than it is now in 10 years time when considering the on-shoring that is going on over there atm. It's hard to bet against America and I accept the risk.
And the S&P 500 / US is something like 60% of the world by value anyway. so by sticking with the US, you are only really ignoring 35-40% extra diversification. Which is partly covered by the LS finds, but you could choose some others as well if you really wanted to.
The LS funds main issue is that they overrepresent the UK quite drastically. You're going to have a lot of overlap by owning both LS and S&P500. I think my current logic is that I choose to believe that the US is going to be bigger than it is now in 10 years time when considering the on-shoring that is going on over there atm. It's hard to bet against America and I accept the risk.
And the S&P 500 / US is something like 60% of the world by value anyway. so by sticking with the US, you are only really ignoring 35-40% extra diversification. Which is partly covered by the LS finds, but you could choose some others as well if you really wanted to.
Personally I just buy Global All Cap and forget about it, and have a flutter with Fundsmith with the other half, but increasingly I'm thinking to bin that as it isn't particularly doing anything interesting vs just buying MSCI ETF from iShares.
Another vote for world all cap.
That way you have exposure to everything.
As said above, invest regular amounts and forget about it but be aware you cannot access it until minimum 55 years old and possibly older in the future.
Recommend looking at this video
https://m.youtube.com/watch?v=-yLl-IBl_zo
That way you have exposure to everything.
As said above, invest regular amounts and forget about it but be aware you cannot access it until minimum 55 years old and possibly older in the future.
Recommend looking at this video
https://m.youtube.com/watch?v=-yLl-IBl_zo
PM3 said:
As okgo suggested , that is rather up to you
my starter for one if you want the all world aspect but not drawing for 10 years VWRP the Accumulation version ( not drawdown one ) of the one you picked . Automatic reinvestment . My unauthorised / not advice suggestion ....and all that
VWRP isThe Winner!my starter for one if you want the all world aspect but not drawing for 10 years VWRP the Accumulation version ( not drawdown one ) of the one you picked . Automatic reinvestment . My unauthorised / not advice suggestion ....and all that
Thanks for that PM3
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