Trading the stockmarket (NO Referrals)

Just got an email from VG saying that they are dropping the charges on their lifesyle funds.
more importantly, they have released a new global liftsyle that do not have a uk bias. I've just switched all my lifestyle 80% holdings from the UK bias one to the global one.
 
GIBURROWS said:
Weren't 10 cent sniffing around them a while back?
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Tencent have bought 49% of the spun off studio that holds the Crown Jewels brands. Plus they are a major stockholder in the overall group.

I don’t see them surviving. It’s been such a car crash for so long that all the good people have been leaving in droves. There’s some hints in the marketing they’ve put out that they’ve recognised some of the major issues, but I have doubts they will actually go through with the changes required.
 
Wasn't sure where to put this, curious to hear people's opinions..

I'm looking at investment accounts for my daughter, plan is to add funds every month for the next 20 or so years. I'm against Junior ISA's as they are released when the child turns 18(I don't want it blown on a round the world trip) so it'll be an S&S account held in my name until she turns 21 or when the funds are needed (ie house deposit), it also means that if we have more kids, it can be added to and split.

Anyway, thoughts are Vanguard S&S ISA with majority going into a Global All Caps Index, my other half doesn't like risk which is the only downside as markets fluctuate. Alternative is LifeStrategy Funds 60 or 80%.

I've looked at H&L and some high street products but thinking over the time horizon, Vanguard is the best option.

Any thoughts?

Cheers
 
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I do an S&S ISA "pie" in T212 for my youngest and add to it. The pie just holds VWRP but keeps the funds separate ish in that I can track its value despite being inside my own S&S ISA wrapper. Having it in a pie allows the autoinvestment to be turned on for a monthly contribution.

If I ever want to move it to another provider I can and will know the individual value of "his" money.
 
shifty_uk said:
Wasn't sure where to put this, curious to hear people's opinions..

I'm looking at investment accounts for my daughter, plan is to add funds every month for the next 20 or so years. I'm against Junior ISA's as they are released when the child turns 18(I don't want it blown on a round the world trip) so it'll be an S&S account held in my name until she turns 21 or when the funds are needed (ie house deposit), it also means that if we have more kids, it can be added to and split.

Anyway, thoughts are Vanguard S&S ISA with majority going into a Global All Caps Index, my other half doesn't like risk which is the only downside as markets fluctuate. Alternative is LifeStrategy Funds 60 or 80%.

I've looked at H&L and some high street products but thinking over the time horizon, Vanguard is the best option.

Any thoughts?

Cheers
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Vanguard LS 60or80% - leave it alone for 20 years. Job done.
 
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shifty_uk said:
Anyway, thoughts are Vanguard S&S ISA with majority going into a Global All Caps Index, my other half doesn't like risk which is the only downside as markets fluctuate. Alternative is LifeStrategy Funds 60 or 80%.
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If you have 5+ years for which the money can remain invested then conventional wisdom is it should be in the stock market. An index tracker is also a sensible and easy to manage option. I think popular companies for the tracker here are Vanguard and VanEck, and if you go back through the thread you will find it discussed.

By H&L do you mean Hargreaves Lansdown?
 
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shifty_uk said:
Wasn't sure where to put this, curious to hear people's opinions..

I'm looking at investment accounts for my daughter, plan is to add funds every month for the next 20 or so years. I'm against Junior ISA's as they are released when the child turns 18(I don't want it blown on a round the world trip) so it'll be an S&S account held in my name until she turns 21 or when the funds are needed (ie house deposit), it also means that if we have more kids, it can be added to and split.

Anyway, thoughts are Vanguard S&S ISA with majority going into a Global All Caps Index, my other half doesn't like risk which is the only downside as markets fluctuate. Alternative is LifeStrategy Funds 60 or 80%.

I've looked at H&L and some high street products but thinking over the time horizon, Vanguard is the best option.

Any thoughts?

Cheers
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The issue with holding it in your name is that it comes out of your ISA allowance

The charge rates on the LS plans are going down, and uk one; the shares it holds is going to be re-adjusted soon.
They have just released a global LS plans, so I've moved my UK biased one to the global one.

Vanguard isn't the cheapest esp if you have under 30k in the account.
 
radderfire said:
If you have 5+ years for which the money can remain invested then conventional wisdom is it should be in the stock market. An index tracker is also a sensible and easy to manage option. I think popular companies for the tracker here are Vanguard and VanEck, and if you go back through the thread you will find it discussed.

By H&L do you mean Hargreaves Lansdown?
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Hadn’t considered an index tracker, will check out the Vanguard funds, thanks.

And yes, I meant HL.
 
slinxy said:
The issue with holding it in your name is that it comes out of your ISA allowance

The charge rates on the LS plans are going down, and uk one; the shares it holds is going to be re-adjusted soon.
They have just released a global LS plans, so I've moved my UK biased one to the global one.

Vanguard isn't the cheapest esp if you have under 30k in the account.
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Holding it isn’t an issue.

Good to know RE the global LifeSaver plan.

Agree that platform fees are a bit higher but not trusting this to an app like T212. What are you using to manage?
 
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