Hi All
I'm looking at various options to plan for retirement. In the UK we have some Vanguard funds which are becoming popular.
I would request the experts regarding following fund as I've higher risk appetite and this is US fund for UK.
http://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=F00000MLUQ
Regards
Andy
Vanguard life strategy
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TraderJoe1976
- Posts: 55
- Joined: Wed Oct 13, 2010 1:21 am
Vanguard life strategy
Vanguard Life Strategy funds are the best option for investing because they balance out the stocks and bonds which tend to move in opposite directions. Fees are very low at about 0.14%. Normally, it is 0.85% for the other companies.
If you have long-term horizon go with Moderate Growth which is 60% stocks and 40% bonds.
For shorter term horizon go with 40% stocks and 60% bonds.
Volatility is very low because the stocks and bonds move in opposite directions. So you will get returns of approximately 6% per year without large fluctuations. Maximum you will lose in a year would be 2% in a very bad year.
If you go with 100% stocks, then you can get returns of 8% per year over long term (30 year horizon). However, in a bad year of a recession, you could lose 50% of your stock value.
If you have long-term horizon go with Moderate Growth which is 60% stocks and 40% bonds.
For shorter term horizon go with 40% stocks and 60% bonds.
Volatility is very low because the stocks and bonds move in opposite directions. So you will get returns of approximately 6% per year without large fluctuations. Maximum you will lose in a year would be 2% in a very bad year.
If you go with 100% stocks, then you can get returns of 8% per year over long term (30 year horizon). However, in a bad year of a recession, you could lose 50% of your stock value.
Vanguard life strategy
TraderJoe1976;636843Vanguard Life Strategy funds are the best option for investing because they balance out the stocks and bonds which tend to move in opposite directions. Fees are very low at about 0.14%. Normally, it is 0.85% for the other companies.
If you have long-term horizon go with Moderate Growth which is 60% stocks and 40% bonds.
For shorter term horizon go with 40% stocks and 60% bonds.
Volatility is very low because the stocks and bonds move in opposite directions. So you will get returns of approximately 6% per year without large fluctuations. Maximum you will lose in a year would be 2% in a very bad year.
If you go with 100% stocks, then you can get returns of 8% per year over long term (30 year horizon). However, in a bad year of a recession, you could lose 50% of your stock value.
Hey Joe
many thanks for your views..
As I've risk appetite hence was planning for Lifestategy 80!
Are there any other options as this fund has no exposure to property
regards
Andy