Vanguard Life Strategy

[Wheretheskyisblue]

I am lucky enough to have around £200k between me and my DH (for some reason he has made me responsible for sorting all his investments too) in stocks and shares ISAs.

Up until last year they were mainly in a selection of investment trusts however I spend too much time tracking them all and then getting worried when they went down and ended up selling them all. Now all the money is sitting in an AJ Bell account getting almost no interest.

I would like to reinvest (maybe trickle the money back in over time) but am thinking I would rather (for my mental health) put it all in vanguard Life Strategy 100 as them I could largely just forget about it and stop worrying about all the individual trusts.

Would this however provide enough diversification or should I still try to split between investment trusts? Also how does this work with the £85k compensation limit - do I need to split to come under this and if so what would be something complementary to invest in?

Any advice would be appreciated. I think I am too driven by my emotions to actively invest and would rather put it somewhere I can forget about it for the next 10+ years.

The £85k protection os on deposits isn't it? Not investments.

I believe the £85k limit does not apply to
Vanguard as you actually own the individual investments.
What is your appetite for risk and how long so you wish to invest for? You might prefer Vanguard 80 or 60 .

I would be inclined to use the life strategy as the main fund, but also put some money into trackers - UK, Europe, World. However, thus also depends on your age and your attitude to risk. Vanguard have a vast range of funds, so maybe also save over time into one that is a bit more adventurous.

Given Lifestrategy is over allocated on the UK just as they tell us we are heading into recession the Global versions may be better where the UK allocation is an actual global weighting

Likewise if you are worried about the £85k limit in theory having it all sat in cash at AJ Bell is more risky than having it invested in a fund of some sort

Which global funds would you consider comparable ?

If you just want a global tracker, how about something like HSBC ETFs Plc MSCI World ETF?

Vanguard global all cap could be a potential choice.
I think you need to examine you attitude to risk perhaps. Sounds like you panic sold, what's happens if your next choice falls by 30/40%.
A multi asset fund might be more appropriate, mixing safer investments with stocks to lessen potential drawdowns, obviously less return but you need to be able to stay the course.

I'd for for some life strategy and some into us version of all market and Japan etc.
Maybe 5.