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Thread: Vangaurd stocks and shares isa

  1. #1

    Vangaurd stocks and shares isa

    Anyone have one of these. seem to get good reviews online, are you happy with your returns any opinions welcome
    thanks


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  2. #2
    Master ~dadam02~'s Avatar
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    I have 3, one personal ISA and 2 x junior ISA's. Am invested in Lifestrategy funds which, as an example, have provided approx 10% returns over the last 12 months. I'm not complaining, these are long term viewed set and forget investments with monthly regular top ups. The accounts are easy to set up, administer and trade through.

    I'm still waiting for their SIPP to be launched which, when available, i'll make a significant contribution to as i consolidate some of my pension holdings.

  3. #3
    Master
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    I’ve had one lifestrategy since august so too early to say but currently there are no returns 0.4% if I remember correctly but as said above it’s a long term set and forget I’ll review in 12 months .

  4. #4
    Have had a few for a couple of years. s&p500 ,emerging markets and world fund. Not the exact names but off the top of my head.
    They give good returns over a decent period. Although if you look on a daily basis they can be all over the shop!!


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  5. #5
    Master
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    Yup, got a LS80, Global Equity and S&P 500, they haven’t been spectacular but are low cost and seem highly regarded, +10% over last 12 months.

  6. #6
    Craftsman
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    What happens if the market goes pear shaped. Can you lose all your money?

  7. #7
    ok thanks guys


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  8. #8
    Master
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    Quote Originally Posted by spud767 View Post
    What happens if the market goes pear shaped. Can you lose all your money?
    Yes.

  9. #9
    Master
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    Quote Originally Posted by spud767 View Post
    What happens if the market goes pear shaped. Can you lose all your money?
    If you're asking that then stay away from investing... saving is for you .

  10. #10
    Plus it would have to be VERY pear shaped for you to lose all of it.

    If you want to get better rates than the paltry less than inflation savings accounts you need to introduce some level of risk.


    Quote Originally Posted by langtoft lad View Post
    If you're asking that then stay away from investing... saving is for you .

  11. #11
    Craftsman
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    Quote Originally Posted by spud767 View Post
    What happens if the market goes pear shaped. Can you lose all your money?
    If you're invested in the LS funds or an SP500 tracker then the "market" could not go pear shaped enough for you to lose all your money. If it did, we'd all have much bigger things to worry about.

    You could however easily lose 25-50%.

  12. #12
    I started LS80 about 12 months ago, when i began it bombed for a few months so i was 5/6/7% down for quite a while but i kept going and am now 8% up on the year. I like the website and think i'll stick with Vanguard.
    Remember if it bombs you're getting more units at a cheaper price! Think long term on these investments, slow and steady each month - whatever the market is up to - like your pension..

  13. #13
    Master
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    Quote Originally Posted by vulcangascompany View Post
    I started LS80 about 12 months ago, when i began it bombed for a few months so i was 5/6/7% down for quite a while but i kept going and am now 8% up on the year. I like the website and think i'll stick with Vanguard.
    Remember if it bombs you're getting more units at a cheaper price! Think long term on these investments, slow and steady each month - whatever the market is up to - like your pension..
    That’s pretty much my take on it, I’ve just checked mine is down 0.4% only started in august so I’m not worried the plan is 10 years minimum.

    OP with the life strategy you can choose which fund and set the level of risk you’re comfortable with ie 100% stocks riskiest but potential of greater return or 100% bonds safer but paltry returns. Personally I’m in 80/20 with the 80 being stocks but work our what’s best for you etc.

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