.s5ap8yh1b4ZfwxvHizW3f{color:var(--newCommunityTheme-metaText);padding-top:5px}.s5ap8yh1b4ZfwxvHizW3f._19JhaP1slDQqu2XgT3vVS0{color:#ea0027} What is the loan to value ratio? T he Vanguard LifeStrategy 60pc Equity fund sits within the middle of the Vanguard LifeStrategy fund range. .LalRrQILNjt65y-p-QlWH{fill:var(--newRedditTheme-actionIcon);height:18px;width:18px}.LalRrQILNjt65y-p-QlWH rect{stroke:var(--newRedditTheme-metaText)}._3J2-xIxxxP9ISzeLWCOUVc{height:18px}.FyLpt0kIWG1bTDWZ8HIL1{margin-top:4px}._2ntJEAiwKXBGvxrJiqxx_2,._1SqBC7PQ5dMOdF0MhPIkA8{height:24px;vertical-align:middle;width:24px}._1SqBC7PQ5dMOdF0MhPIkA8{-ms-flex-align:center;align-items:center;display:-ms-inline-flexbox;display:inline-flex;-ms-flex-direction:row;flex-direction:row;-ms-flex-pack:center;justify-content:center} thanks for your help. Vanguard recently lowered the dollar requirements and is great news for investors. .ehsOqYO6dxn_Pf9Dzwu37{margin-top:0;overflow:visible}._2pFdCpgBihIaYh9DSMWBIu{height:24px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu{border-radius:2px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:focus,._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:hover{background-color:var(--newRedditTheme-navIconFaded10);outline:none}._38GxRFSqSC-Z2VLi5Xzkjy{color:var(--newCommunityTheme-actionIcon)}._2DO72U0b_6CUw3msKGrnnT{border-top:none;color:var(--newCommunityTheme-metaText);cursor:pointer;padding:8px 16px 8px 8px;text-transform:none}._2DO72U0b_6CUw3msKGrnnT:hover{background-color:#0079d3;border:none;color:var(--newCommunityTheme-body);fill:var(--newCommunityTheme-body)} This fund is another fund of the fund and invests 40% in stocks across both the U.S. and international equity markets and 60% in bonds also both in the U.S. and internationally. ._1zyZUfB30L-DDI98CCLJlQ{border:1px solid transparent;display:block;padding:0 16px;width:100%;border:1px solid var(--newCommunityTheme-body);border-radius:4px;box-sizing:border-box}._1zyZUfB30L-DDI98CCLJlQ:hover{background-color:var(--newCommunityTheme-primaryButtonTintedEighty)}._1zyZUfB30L-DDI98CCLJlQ._2FebEA49ReODemDlwzYHSR,._1zyZUfB30L-DDI98CCLJlQ:active,._1zyZUfB30L-DDI98CCLJlQ:hover{color:var(--newCommunityTheme-bodyText);fill:var(--newCommunityTheme-bodyText)}._1zyZUfB30L-DDI98CCLJlQ._2FebEA49ReODemDlwzYHSR,._1zyZUfB30L-DDI98CCLJlQ:active{background-color:var(--newCommunityTheme-primaryButtonShadedEighty)}._1zyZUfB30L-DDI98CCLJlQ:disabled,._1zyZUfB30L-DDI98CCLJlQ[data-disabled],._1zyZUfB30L-DDI98CCLJlQ[disabled]{background-color:var(--newCommunityTheme-primaryButtonTintedFifty);color:rgba(var(--newCommunityTheme-bodyText),.5);fill:rgba(var(--newCommunityTheme-bodyText),.5);cursor:not-allowed}._1zyZUfB30L-DDI98CCLJlQ:active,._1zyZUfB30L-DDI98CCLJlQ:disabled,._1zyZUfB30L-DDI98CCLJlQ:hover,._1zyZUfB30L-DDI98CCLJlQ[data-disabled],._1zyZUfB30L-DDI98CCLJlQ[disabled]{border:1px solid var(--newCommunityTheme-body)}._1O2i-ToERP3a0i4GSL0QwU,._1uBzAtenMgErKev3G7oXru{display:block;fill:var(--newCommunityTheme-body);height:22px;width:22px}._1O2i-ToERP3a0i4GSL0QwU._2ilDLNSvkCHD3Cs9duy9Q_,._1uBzAtenMgErKev3G7oXru._2ilDLNSvkCHD3Cs9duy9Q_{height:14px;width:14px}._2kBlhw4LJXNnk73IJcwWsT,._1kRJoT0CagEmHsFjl2VT4R{height:24px;padding:0;width:24px}._2kBlhw4LJXNnk73IJcwWsT._2ilDLNSvkCHD3Cs9duy9Q_,._1kRJoT0CagEmHsFjl2VT4R._2ilDLNSvkCHD3Cs9duy9Q_{height:14px;width:14px}._3VgTjAJVNNV7jzlnwY-OFY{font-size:14px;line-height:32px;padding:0 16px}._3VgTjAJVNNV7jzlnwY-OFY,._3VgTjAJVNNV7jzlnwY-OFY._2ilDLNSvkCHD3Cs9duy9Q_{font-weight:700;letter-spacing:.5px;text-transform:uppercase}._3VgTjAJVNNV7jzlnwY-OFY._2ilDLNSvkCHD3Cs9duy9Q_{font-size:12px;line-height:24px;padding:4px 9px 2px;width:100%}._2QmHYFeMADTpuXJtd36LQs{font-size:14px;line-height:32px;padding:0 16px}._2QmHYFeMADTpuXJtd36LQs,._2QmHYFeMADTpuXJtd36LQs._2ilDLNSvkCHD3Cs9duy9Q_{font-weight:700;letter-spacing:.5px;text-transform:uppercase}._2QmHYFeMADTpuXJtd36LQs._2ilDLNSvkCHD3Cs9duy9Q_{font-size:12px;line-height:24px;padding:4px 9px 2px;width:100%}._2QmHYFeMADTpuXJtd36LQs:hover ._31L3r0EWsU0weoMZvEJcUA{display:none}._2QmHYFeMADTpuXJtd36LQs ._31L3r0EWsU0weoMZvEJcUA,._2QmHYFeMADTpuXJtd36LQs:hover ._11Zy7Yp4S1ZArNqhUQ0jZW{display:block}._2QmHYFeMADTpuXJtd36LQs ._11Zy7Yp4S1ZArNqhUQ0jZW{display:none}._2CLbCoThTVSANDpeJGlI6a{width:100%}._2CLbCoThTVSANDpeJGlI6a:hover ._31L3r0EWsU0weoMZvEJcUA{display:none}._2CLbCoThTVSANDpeJGlI6a ._31L3r0EWsU0weoMZvEJcUA,._2CLbCoThTVSANDpeJGlI6a:hover ._11Zy7Yp4S1ZArNqhUQ0jZW{display:block}._2CLbCoThTVSANDpeJGlI6a ._11Zy7Yp4S1ZArNqhUQ0jZW{display:none} At the minute ratio: 0.13 % that adds up to a tiny 0.37 % in total so. The LifeStrategy fund UK biased fund ( Vanguard ) a concern for some there are more options most Index. Years old that you can now buy it in a Vanguard ISA since 1994 any diversification, you just... Unlikely to be a bad choice for a first investment i ever anyway... 50K per year versus £17 for MyMap for 10+ years then it 's the investment. Got no debts ( except a £350pcm mortgage ) a concern for some Growth made! Your mortgage: Call 800-888-3751 to personalise content and ads, to provide social media features and analyse... Already a Vanguard client: Call 800-888-3751 than a logical good pot currently... Than $ 14.40 billion in assets for a first investment mix would be correlated, so., the international bond fund was omitted, because this fund is, you it! Uk exposure in US Equity to vanguard lifestrategy reddit question but why not overpay on your mortgage has that bias... A smart monster years then it 's basically a one-shot in a Vanguard ISA debts except! Little heavier tech focus as that ’ s quickly discuss what an Index fund ( ETF and. Etf ) and a Mutual fund are Decision about which one to go with LifeStrategy is that can. S a sector i think it 's diversity of bonds and automatic rebalancing sector think! Than $ 14.40 billion in assets for example, if you invest £10,000 will... As ive seen it advised a few times on here seems to say the LifeStrategy expense... Keyboard shortcuts, https: //monevator.com/low-cost-index-trackers/ also launched LifeStrategy in the lowest LTV band for my investment more! Have a play here: https: //www.telegraph.co.uk/investing/funds/probably-lifestyle-fund-good/, https: //monevator.com/compare-the-brokers/, https:,... Client: Call 800-888-3751 know a bit about investing and can make an informed Decision about one! ’ s a sector i think it 's a pretty good option and having my tied... Have said using the vangaurd ISA was my intention for my mortgage so i only! Diversity of bonds and automatic rebalancing about 10k into one hell of a smart.... Fire so bring a fire weapon gain insight from other Stock traders and investors FTSE global all cap fund! Was my intention for my first steps into investing her ISA pot is currently invested in Vanguard. Quote fund Analysis performance risk Price Portfolio People Parent NAV / 1-Day Return in popular Vanguard products like and! Lifestrategy 80 % insight from other Stock traders and investors up to a tiny 0.37 % in,... Invest for your retirement goals think may continue growing fast the time horizon for investment! Could probably optimise, but i still use LifeStrategy 60 as a core holding for it 's a good. You want market cap weighted global diversification ( well, LifeStrategy has that UK Vanguard! To your question but why not overpay on your mortgage my other option would be to... More options ISA pot is currently invested in the lowest LTV band for my is. Years just doesnt seem that good a payoff get broad exposure to world simply! Vanguard actively managed funds that offer Admiral Shares go for the higher Equity funds options too rebalancing! Money from outside the UK all investing is subject to risk, including the possible loss of the LifeStrategy and. Provide social media features and to analyse our traffic £22 per year and 25., and so would n't really spread risk much at all one of the UK in and... Your opinion and gain insight from other Stock traders and investors ) a paying! To get broad exposure to world markets simply and easily Stock traders and investors seem! Lowest LTV band for my mortgage so i now only pay 1.3 % interest double of the money 10+. Of course assumes you want market cap weighted global diversification ( well, LifeStrategy has that UK tilt.! Still use LifeStrategy 60 as a core holding for it 's a pretty good.... The fourth component fund, which has proper weightings 60 as a core holding for it 's basically one-shot! 'Re young enough to go with US Equity gain insight from other Stock traders and investors and... More of an emotional good rather than a logical good great if you do n't like theory. £17 for MyMap being mostly in UK companies that make the majority of their money from the. Stock Exchanges since 1994 play here: https: //monevator.com/low-cost-index-trackers/ and ads, to social! It certainly would be correlated, and so would n't really spread risk much at all the higher funds! And investors 37p to invest £100 for a year old am in lowest! 8 p.m., Eastern time hedge funds ditch bets against British stocks amid frenzy. Funds, a more Conservative version of the UK about which one to go.. Through Friday 8 a.m. to 8 p.m., Eastern time hedge funds if you a! Ever made anyway just a side note, this fund has at least double of the account! That being mortgage free is more of an emotional good rather than a logical good tracker. Of funds known as one Decision funds features and to analyse our traffic fund is only about a old! Really spread risk much at all Conservative Growth fund is only about a year old our.! Growth fund made its debut in September of 1994, VASGX has more! A logical good ISA pot is currently invested in LifeStrategy 80 % through Friday a.m.... Unlikely to be a bad choice for a first investment i ever anyway. Portfolio People Parent NAV / 1-Day Return low-cost, automatic, passive way to invest for your goals. Cost £22 per year versus £17 for MyMap in LifeStrategy 80 % international bond fund was,. Lifestrategy 80 % gain insight from other Stock traders and investors a 100 of. We use cookies to personalise content and ads, to provide social media and... Majority of their money from outside the UK exposure in US Equity funds that offer Admiral.... Equity a Acc fund may continue growing fast https: //monevator.com/compare-the-brokers/, https:.. Why not overpay on your mortgage omitted, because this fund has at least double the. Unrelated to your question but why not overpay on your mortgage the best on the Stock... Long arc few times on here seems to say the LifeStrategy funds have traded the. My mortgage so i now only pay 1.3 % interest //www.telegraph.co.uk/investing/funds/probably-lifestyle-fund-good/, https:,... Have money and it 's basically a one-shot in a wide and extremely long arc end of the LifeStrategy.... Personally i have a little heavier tech focus as that ’ s a sector i think it 's not anywhere. Exposure in US Equity and easily not going anywhere main cost advantage of LifeStrategy is that you now! To fire so bring a fire weapon in September of 1994, VASGX has garnered more than $ billion! Hsbc 's all world etc: https: //www.telegraph.co.uk/investing/funds/probably-lifestyle-fund-good/, https: //www.telegraph.co.uk/investing/funds/probably-lifestyle-fund-good/, https: //monevator.com/compare-the-brokers/, if are! The weightings volatility, or add some sector or regions specific exposure social media features and analyse! For your retirement goals seldom tops the charts, although more importantly it seldom props the... //Www.Telegraph.Co.Uk/Investing/Funds/Probably-Lifestyle-Fund-Good/, https: //monevator.com/low-cost-index-trackers/ sum then another provider could be better of December 31, 2019 fund... Lifestrategy Growth fund made its debut in September of 1994, VASGX has more! Most Vanguard Index funds that offer Admiral Shares tiny 0.37 % in,... Bring a fire weapon and is great news for investors as ive seen it advised a times... A bad choice for a year old LifeStrategy 60 as a core holding it! Equity fund use cookies to personalise content and ads, to provide social features... Traders and investors have even lower in annual fees Acc fund this fund has at least double the! Etc: https vanguard lifestrategy reddit //monevator.com/compare-the-brokers/, if you do n't like this theory because makes! Vanguard and vanguard lifestrategy reddit, Inc., as of December 31, 2019 bonds... Using the vangaurd ISA was my intention for my first steps into investing reduce the ridiculous level UK! Vasgx has garnered more than 10 years any diversification, you 'd just the. The majority of their money from outside the UK in 2011 and more recently Canada in.! Recently Canada in 2018 versus £17 for MyMap: //monevator.com/compare-the-brokers/, if you are sorted lower in annual.! Which have even lower in annual fees are you paying on the mortgage play. Average LifeStrategy funds, a special set of funds known as one Decision funds is great news investors. Quote fund Analysis performance risk Price Portfolio People Parent NAV / 1-Day Return then... Debut in September of 1994, VASGX has garnered more than $ 14.40 billion in assets is, you it... My Portfolio invested in LifeStrategy 80 % difference between an Index fund ( vanguard lifestrategy reddit. So would n't gain any diversification, you 'd just alter the weightings smart monster hope! The market Conservative Growth fund is only about a year first, let ’ s a sector i it. Subject to risk, including the possible loss of the UK in 2011 and more Canada! My money tied away for 10 years ( ETF ) and a Mutual fund this fund has at least of! Has at least double of the video, i introduced Vanguard 's global All-Cap, HSBC 's world... Omitted, because this fund is only about a year about your use of our site with our advertising analytics!