Which Vanguard fund for ISA?
Discussion
If you're looking at 100% equities perhaps just look at a global tracker fund or ETF?
LifeStrategy 100 won't reflect a "true" global distribution of stocks as it has a UK bias.
Not saying that's a good or bad thing just that from your question it's difficult to say much without knowing what you're trying to achieve
LifeStrategy 100 won't reflect a "true" global distribution of stocks as it has a UK bias.
Not saying that's a good or bad thing just that from your question it's difficult to say much without knowing what you're trying to achieve
LS100 is a great one stop shop as a fund, I hold it in my daughters ISA.
it is overweight in UK listings (deliberately) and therefore greater exposure to oil, pharma, banking etc.
Not saying I’d this is good or bad, but if you’re taking a passive approach it’s good to know how LS100 differs from an ‘unbiased’ passive tracker
it is overweight in UK listings (deliberately) and therefore greater exposure to oil, pharma, banking etc.
Not saying I’d this is good or bad, but if you’re taking a passive approach it’s good to know how LS100 differs from an ‘unbiased’ passive tracker
One thing to remember with for instance the S&P500 is that it’s a “double bet”.
You’re not only “betting” on American companies like the Apples, Amazon’s, GEs, etc of this world ... you’re also tied to the USD - GBP exchange rate which can nullify or intensify results on a daily basis.
You’re not only “betting” on American companies like the Apples, Amazon’s, GEs, etc of this world ... you’re also tied to the USD - GBP exchange rate which can nullify or intensify results on a daily basis.
With the state and likely future of the pound hitting blue chips etc UK smaller companies will inevitably continue to show the best growth over the next 12 months at least imo having shown an average of 11 % rise already since the election.
I would bin Vanguard and look at other platforms which have these.
Merian smaller UK, Slater undervalued, Chelverton, Tellworth UK smaller, Investec smaller , JPM smaller and Invesco smaller have performed and should continue to perform well imo.
I would bin Vanguard and look at other platforms which have these.
Merian smaller UK, Slater undervalued, Chelverton, Tellworth UK smaller, Investec smaller , JPM smaller and Invesco smaller have performed and should continue to perform well imo.
What about Fundsmith? Holds a smaller range of shares compared to a tracker. Good performance since it started in 2010. Other funds are available of course.
Fundsmith has a different balance of shares geographically than Vanguard so a bit of diversification there.
Trackers and funds are about spreading risk compared to owning a few single companies. So using different funds and trackers seems a way of reducing risk further .
Fundsmith has a different balance of shares geographically than Vanguard so a bit of diversification there.
Trackers and funds are about spreading risk compared to owning a few single companies. So using different funds and trackers seems a way of reducing risk further .
irc said:
What about Fundsmith? Holds a smaller range of shares compared to a tracker. Good performance since it started in 2010. Other funds are available of course.
Fundsmith has a different balance of shares geographically than Vanguard so a bit of diversification there.
Trackers and funds are about spreading risk compared to owning a few single companies. So using different funds and trackers seems a way of reducing risk further .
My wife has just completed her ISA application for this year a few minutes ago.Fundsmith has a different balance of shares geographically than Vanguard so a bit of diversification there.
Trackers and funds are about spreading risk compared to owning a few single companies. So using different funds and trackers seems a way of reducing risk further .
She put half in a Vanguard LS 80 equivalent (IM Optimum Global Growth) and the other half into a Fundsmith equivalent (PH Equity).
I believe this gives a really good balance between wide global market exposure and more concentrated "buy and hold" core stock exposure.
Everything has (or should have had) good performance since 2010 though!
red_slr said:
I am currently in VLS100 for my entire ISA.
I was thinking of trying something different with whatever I contribute this year. (not used much of my allowance yet)
Anyone got any suggestions?
Cheers!
Does Vanguard have anything China focussed? Obviously take advice from others on here first, but wouldn't a wise investor be looking to immediately drop some chips into China whilst it's taking a short-term kick in the nads? I was thinking of trying something different with whatever I contribute this year. (not used much of my allowance yet)
Anyone got any suggestions?
Cheers!
I 8 a 4RE said:
One thing to remember with for instance the S&P500 is that it’s a “double bet”.
You’re not only “betting” on American companies like the Apples, Amazon’s, GEs, etc of this world ... you’re also tied to the USD - GBP exchange rate which can nullify or intensify results on a daily basis.
Some ETFs have fx hedging arrangements in place eg. iShares S&P 500 GBP HedgedYou’re not only “betting” on American companies like the Apples, Amazon’s, GEs, etc of this world ... you’re also tied to the USD - GBP exchange rate which can nullify or intensify results on a daily basis.
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