Author Topic: What do you invest in?  (Read 1409 times)

Zola.

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What do you invest in?
« on: November 22, 2018, 04:26:58 AM »
I have some virtually all of the funds in our private S&S ISAs in Vanguard LifeStrategy 80%.


frugledoc

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Re: What do you invest in?
« Reply #1 on: November 22, 2018, 10:36:33 AM »
I have some virtually all of the funds in our private S&S ISAs in Vanguard LifeStrategy 80%.

Perfect. Stick with that, you wonít find much better.

shelivesthedream

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Re: What do you invest in?
« Reply #2 on: November 22, 2018, 12:46:31 PM »
VGLS100, because I am a daredevil. And young.

Zola.

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Re: What do you invest in?
« Reply #3 on: November 22, 2018, 02:42:05 PM »
I have my baby son in LS100, and my wife has hers in LS100 also haha.

There is a considerable tilt to UK at around 25%....  does anyone feel overexposed, or underexposed in LS in any way?

FIFTWUK

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Re: What do you invest in?
« Reply #4 on: November 23, 2018, 08:21:16 AM »
I've divested from various global/US faced trackers and favour value via All-World High Dividend Yield, Developed Europe and Emerging Markets funds.

poppydog

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Re: What do you invest in?
« Reply #5 on: November 25, 2018, 10:38:24 AM »
We have a diversified portfolio of income focused Investment Trusts, to help support our retirement.

Dgibs

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Re: What do you invest in?
« Reply #6 on: November 25, 2018, 11:50:31 AM »
Vanguard ISA linked to monthly payments to the LS100. Got time to ride it out.

A couple peer to peer lending ISAs returning  a little over 20% for 12 months commitment. *
A couple 5% low deposit(£3000yr max) savings account that'll need shuffling in a year. **

My workplace pension paying the full 6% match.

A super risky forex trading account that has returned about 105% this year so far (even after my 18% loss this month!) but could go bust at any time! ***





*used a customer link to get £100 bonus then another bonus for onward referral to our other account. I have a link if you'd like to claim £100 referral bonus in 12 months.

**nationwide flex saver

***my own.

Lincolnshire Girl

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Re: What do you invest in?
« Reply #7 on: November 26, 2018, 01:54:30 AM »
PTF as I really don't know where to start. No debt as such (only mortgage) but just can't seem to put money into savings. Think I need to set up an account somewhere and figure an amount to budget and hide it away.

*edited to update
Having looked at Vanguard ISA accounts as recommended by OP, does anyone have thoughts on my transferring an old work pension fund into a Vanguard Target Retirement Fund? Sorry, total newbie without a clue here!!
« Last Edit: November 26, 2018, 03:06:58 AM by Lincolnshire Girl »

Dgibs

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Re: What do you invest in?
« Reply #8 on: November 26, 2018, 05:14:17 AM »
PTF as I really don't know where to start. No debt as such (only mortgage) but just can't seem to put money into savings. Think I need to set up an account somewhere and figure an amount to budget and hide it away.

*edited to update
Having looked at Vanguard ISA accounts as recommended by OP, does anyone have thoughts on my transferring an old work pension fund into a Vanguard Target Retirement Fund? Sorry, total newbie without a clue here!!

I think you need to work out your goals.
Have you short term spending goals?
Long term / retirement goals?
Have you an emergency fund in place?

These things all require money in different places really.

Somewhere(I'll edit this post when I find it) there is a nice flow chart on UK savings order.


« Last Edit: November 26, 2018, 05:19:05 AM by Dgibs »

Lincolnshire Girl

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Re: What do you invest in?
« Reply #9 on: November 26, 2018, 07:08:09 AM »
Thank you Dgibs!  I had come to the conclusion that separate accounts were probably easiest to track. The flow chart is exactly what I needed to point me in the right direction, thank you. I will be discussing short and long term goals with DH asap.

As a side note, following a quick investigation into our actual pension funds this morning, I found an old work pension with over £18K just sitting there compounding away. Well done 18-year-old me!

Zola.

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Re: What do you invest in?
« Reply #10 on: November 27, 2018, 04:21:00 AM »
https://theescapeartist.me/2018/11/27/honestly-could-this-investing-lark-be-any-easier/

TEA has just written an article on this, hes recommending the Global fund over Life Strategy, hmmmm

Dgibs

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Re: What do you invest in?
« Reply #11 on: November 27, 2018, 07:45:54 AM »
that's interesting - thanks for the link.

Might be something to use for another account we are starting. 

Duchess

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Re: What do you invest in?
« Reply #12 on: December 30, 2018, 04:53:11 PM »
I canít believe I only just found the UK (tax) board. How did I not know about it sooner despite joining in 2014?!

@Dgibs Love the flowchart you posted. The pensions segment seems most suited to a DC pension. Would it work the same for DB?



frugledoc

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Re: What do you invest in?
« Reply #13 on: December 31, 2018, 08:25:55 AM »
I canít believe I only just found the UK (tax) board. How did I not know about it sooner despite joining in 2014

Ha donít beat yourself up the board only started this year!

Distant dreamer

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Re: What do you invest in?
« Reply #14 on: January 04, 2019, 04:21:09 AM »
https://theescapeartist.me/2018/11/27/honestly-could-this-investing-lark-be-any-easier/

TEA has just written an article on this, hes recommending the Global fund over Life Strategy, hmmmm

Iíve been thinking about this fund too, Life Strategy just seems to uk bias for my liking with Brexit round the corner

Zola.

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Re: What do you invest in?
« Reply #15 on: January 04, 2019, 06:15:54 AM »
I have put some money into Blackrock's
ISHARES PACIFIC EX JAPAN EQUITY INDEX

https://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/i/ishares-pacific-ex-japan-equity-index-h-accumulation

over 500 companies, diversifies just that little bit more, fees are only 0.13% with HL.
A bit riskier probably, but worth it for a small punt