Holly Mckay
Holly MackayFounder and CEO
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    Is investing in Vanguard LifeStrategy 100 and 80 enough diversification?

    08 April 2026

    Question by Boring Money reader

    I invest in Vanguard LifeStrategy 100 and LifeStrategy 80 and put money in monthly. Is this enough diversification, or should I have different multi-asset funds too?

    Answered by Holly Mackay

    You are well diversified

    in terms of shares, so have no need for other multi-asset funds. The vast majority of your money is in shares, which would suggest a longer-term timeframe — so you can ride out any market downturns. If you need (or could need) any of your money in the next five years, for example, you may want to consider having a small amount in a less risky multi-asset option with a few more bonds or cash in the mix.

    Vanguard is a large, credible global player and very well governed. I don't see much benefit in opening more accounts elsewhere — the diversification is all about what's under the bonnet in cases like yours.

    Answered by

    Holly Mackay

    Founder & CEO, Boring Money

    I’ve worked in investment markets for over 20 years. I started out at Merrill Lynch Investment Management and worked at a few big names before setting up my first business in 2008.

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