Vanguard

[sixfoot]

Does anyone use vanguard for savings and or investments? Are you happy with them, how long have you been using them for, which funds / products etc did you go for?!

I am taking a DIY approach to savings for now, it won’t be huge amounts but I still have a few decades left of working so want to get cracking. Up until now all money has been absorbed into house / living expenses etc. With interest rates rising it also makes me more keen on savings again!

i was looking at their life strategy 80:20, and / or one of the ‘one and done’ retirement packages where they taper off the bond / equities mix the closer you get to retirement.

would love to hear from anyone who has personally used this company!

thanks so much vipers

Yes!!

I use Hargrave and landsdowne but it's expensive and I should move the platform.

I have vanguard UK which covers the whole index.
Also vanguard us stock market and their families life stragety.
Ive got 100 equity and 20/80 one and equity is doing much better (one is in isa one is in sipp).

Yes the low fees are really attractive. I have another SIPP that, if things go well with vanguard, I would look to transfer to them.

i don’t think I’m brave enough for 100% equities, good for you though! And glad to hear their funds perform well

I have some money with Vanguard and have been happy . The platform is easy to use and the growth has fluctuated which is to be expected in these difficult times . I have a mix of funds , 100. , 80 but moved out the 60 as this wasn't doing well imo .

They seem well thought of on here

I use the Australian one. I have 4 investment funds, 2 Australian and 2 international.

It's been going for just shy of a year.

Dropped in value last year, but still got a dividend cash amount (reinvested) and it's gone back up now. Compared to my savings account paying over 4% I'm ahead with Vanguard.

Yes, although it's not that great so far. I've only been in a few months and the growth to date is about 1%, which is obviously lower than cash, although I've effectively got my investments at a discount due to the current low price, so they could perform better in the future.

So far I've put most of the money into the Global All Cap fund, some in Standards & Poor 500, and bits in UK FTSE, UK Bonds and an emerging markets one. This is somewhat random with an aim of diversification, which I think is a good thing. I just generally put money in as and when.

I listen to the Meaningful Money podcast, which I really recommend) and one thing they said against tapering was that, when you come to need the money, if you don't do this, you can pick and choose yourself which fund you withdraw from, avoiding any that have performed poorly. Remember that you won't need all your money at once so can leave a lot of it invested and take out portions to keep in cash to meet/top up your expected spending over the next year or two at most.

Yes! My main pension is LGPS, but I moved my small private pension over to them about 2 years ago and it's invested in the Global All-Caps Fund. I listen to the Meaningful Money Podcast a lot and that fund is what he means by a muti-asset fund. (He can't recommend actual products) I strongly recommend you listen to his podcasts on investing.

They are well thought of on here and all the UK facebook money saving groups I'm in. Their fees are low, and the platform is easy to use.

Yes. Alan Donegan of Rebel Finance School explains various funds very well. Do some research but Global funds mean more diversification (good)

Well I have much to learn. I opened a self directed RRSP 1.5 months ago, my funds were previously with the banks investment branch. The bank (Bank of Montreal) and for 15 yrs they struggled to bring my investments back from the 2008 fall.
64 holdings transferred over, I’ve cleaned that up to 40. Aiming to keep 30 good solid well performing ones.
So far so good, $9 CAD per transaction. So some money spent cleaning up the mess I inherited. But nothing compared to the fees I was paying.
just learning about dividends. Excited to see who pays out Monday I assume?