Is investing in Vanguard LifeStrategy 100 and 80 enough diversification?
8 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 The process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. 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.
