Review of Vanguard LifeStrategy Funds

The asset management company Vanguard offers five diversified, low-fee funds graded by risk. The fee for the funds is just 0.22% per year, and if you hold them directly with Vanguard the account fee adds just 0.15%. But is this too good to be true? We look at the risks in detail.

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#PensionCraft #LifeStrategy #Vanguard

[MNu]

This channel deserves more subs, the information presented here is so value.

[mikardo]

I just wanted to say thank you for all of your hard work. I hope you know how much we (the viewers) value content like this. Your insight and knowledge is very valuable to people like me trying to learn economics.

[connectthree]

What happens if a broker platform loses rights to a fund? Say Vanguard/ Fidelity lose the right to FTSE 100 say. What then happens to an investors money? Thanks and great channel.

[minshum]

Ben Graham insists (and I concur) that when stock prices fall they become LESS risky and so you should hold MORE stocks and less bonds. Therefore, I see the fixed allocation strategy as a positive.

[byz]

Subscribed solely on the Doom reference - nice analogy and videos

[RobTSLA]

In a down turn I would sell the vanguard 60/40 equity/bond fund and transfer it to a vanguard 100% equity fund, it doesn't matter of market timing as shares will increase in value over time. More than 30-40% drop you'll be doing fine. Your original 60/40 fund wont drop as much as the 100% fund so you'll be gaining there..

[noobtube]

I am about to invest in a life strategy fund 100%,

It will be the new tax year and i can put the full 20k in,

Am i right in thinking the 2 massive drops in the us stock market won't effect me as they dropped before i got the fund ?,

But any future drops will effect my fund.

[Ant-upiy]

Hi Ramin. I’d be interested to know if you invest in a LifeStrategy fund yourself and if so which one.

[scratchmasterp]

What do you think of the more balanced Global All Caps Fund compared with Lifestrategy? I'm 30-years old, so how would I balance it with bonds over time? Would I just gradually start to buy more assets/bonds over the years, and then increase my bonds percentage whilst decreasing my stock percentage as I get into my mid-40s-50s? Not looking for financial advice, just thoughts 😊

[JamyOats]

I was surprised when you said risk based out performs fixed. I thought the whole point of rebalancing is that it's good for long term returns?

[CryptoJackk]

Your videos are very very helpful thank you for taking the time to make them!

[davidhcobbald]

Really great video detailing all the risks and things to consider. I am 38 and have no pension whatsoever so I literally have no choice but to go for the maximum risk/maximum return equity funds in the hope that I might have enough to survive when I am too old work anymore!!

[ugrjijj]

Hi Ramin, what you do you think of the vanguard US corporate bond fund, VUCP, now that the fed as decreased the interest rate? Potential good buy?

[chesusd]

So would you say 60% equity is better than the 80% equity as its slightly more diverse and a bit safer? been looking into this but not alot to invest right now but looking to grow my pot over long term

[drmsgp]

hi, thanks for pointing out that S&P yeild is much more higher than LS 100%. whats the best fund for S&P ? there are so many options such as VUSA, IUSA, SPXP, CSP1, HSPX

[ngawangchoedak]

Hi Ramin
Re Vanguard Life strategy funds - would you recommend income or accumulation funds
Thanks

[tonytomlin]

HI
I liked the video and felt quite enthused about filling my annual ISA allocation with LifeStrategy 60% fund. However in your full blog version of the same subject you seemed very damming on the entire approach:
’Fixed asset allocation, as adopted by Vanguard LifeStrategy funds is simple. That's really the best that can be said about it.
In short fixed allocation is a dumb strategy. So dumb, in fact, that we'd consider it a risk.’
So, sorry but I’ve ended up really confused as to whether LifeStrategy funds are worthy of lump sum investment, drip feed, or should form a major part of my portfolio.
Thanks, Tony

[healthiswealth]

Would i get any capital gains as well as dividends on the shares i invest in a dividend index fund? and would that increase my yield?

[Paulina-yvgo]

Thank you for your videos, it isn't easy to find videos in here about investing in uk and the ones from usa mostly talk about products we do not have access to.
I am just wondering how changes in £ value could affect income from LIfeStrategy funds and other Vanguard funds, I am thinking about investing in S&P 500 index or ETF or LifeStrategy...could you help a bit?

[TheDropdeadZed]

Not sure if you'll respond or if I'll even be notified if you do, but when you show the graph of S&P 500, even though there are dips because of recessions and the 2008 crash for example, is it not a safe bet to still invest despite this? If I'm not going to touch my money for 20+ years, looking at previous data, the graph does seem to just be trending upwards so eventually you'd expect a higher return?