Investment Ideas

[Swiss Panda]

Evening,

To cut to the chase i have circa £80k to invest and bit stuck on ideas..... I already have bits and pieces in LISA and S&S ISA which i have self invested and would like to keep on that track for now, but i've never had this much to invest at once. Want to put it all in S&S, no use for it in the near or mid term, but not sure where to put it (million dollar question!).
Was thinking something general, Vanguard funds: LS100, VWRL, FTSE Developed World ex-U.K. Equity Index Fund or Global Equity Fund, although can't quite separate them, from my understanding the LS100, VWRL and GLobal Eq are broadly the same? the other one is obviously only Developed world and takes out FTSE, so guess dependant on my exposure elsewhere. What is the train of thought either LS100 or VWRL? Was also thinking of putting some into other funds specialising in sectors like tech maybe SMT ( although need to think if it has had its day) and maybe a health fund as i can see that doing well in a post Covid era.
All thoughts, suggestions or probing questions welcome, just trying to bounce a few ideas around...
(and yes i've been a bit of a lurker!)

[Carbon Sasquatch]

Why would you put it anywhere different just because it's a bigger number ?

How old are you ? Pension may make sense - either directly or living off it & salary sacrificing into one.

[Jawls]

Swiss Panda said:

Evening,

To cut to the chase i have circa £80k to invest and bit stuck on ideas..... I already have bits and pieces in LISA and S&S ISA which i have self invested and would like to keep on that track for now, but i've never had this much to invest at once. Want to put it all in S&S, no use for it in the near or mid term, but not sure where to put it (million dollar question!).
Was thinking something general, Vanguard funds: LS100, VWRL, FTSE Developed World ex-U.K. Equity Index Fund or Global Equity Fund, although can't quite separate them, from my understanding the LS100, VWRL and GLobal Eq are broadly the same? the other one is obviously only Developed world and takes out FTSE, so guess dependant on my exposure elsewhere. What is the train of thought either LS100 or VWRL? Was also thinking of putting some into other funds specialising in sectors like tech maybe SMT ( although need to think if it has had its day) and maybe a health fund as i can see that doing well in a post Covid era.
All thoughts, suggestions or probing questions welcome, just trying to bounce a few ideas around...
(and yes i've been a bit of a lurker!)

LS100 has a UK bias (approx 20% of LS100 is UK vs 4 or 5% based on global market cap). VWRL is a globally weighted large/mid cap ETF so no fractional shares, so marginally more admin. Global equity is active. Nothing necessarily wrong with active, but it’s different to LS100 or VWRL so know what you’re getting into. You pay higher fees for this.

SMT totally different.

Personally I’d go for a boring passive global equity fund. But you need to have an investing philosophy which backs your choice up. Not just go for flavour of the month.

[AllyM]

Not near-term, not mid-term > pension.

Personally I buy VWRP in a Fidelity SIPP and would do so with an 80k lump, too - but obviously YMMV/DYOR.

If throwing it all in a pension you obviously have to be mindful of limits on contributions per FY.

[Phooey]

Whatever you buy don’t lump in, taper in at £500-1000/wk, I’m almost certain we’ve got some overdue pain