as of 18/01/2019 at 12:25 pm
Vanguard is one of the world's largest asset management groups, which recently launched Vanguard Investor so investors can buy its funds directly. There are just investments and ISAs today – there's no pension yet. You can only hold their investments – so you can’t access other fund managers or buy shares here.
This low-cost service won’t offer research and shares, bells or whistles; but with its LifeStrategy range of funds it will manage your money in a decent portfolio, spread around lots of global investments which are picked and run for you, for just 0.37%.
New investment service from one of the world's largest asset managers.
|Minimum amounts:||£100 minimum monthly amount
£500 minimum initial amount
|12 month indicative performance:||
A medium risk fund (Vanguard LifeStrategy 60%) returned 8.6% in 2017, after charges.
"I presume you probably get a lot of these emails from hopeful entrepreneurs attempting to make money. However, I also concluded that it was worth a shot! - I have read a lot of your content online about investing money and I have seen you on the BBC before. I was hoping that you'd potentially share some words of wisdom with me. I often find that my monthly salary is spent on things I don't need or just saved up; without accumulating much. So I guess my question is.. what do I do with my money to make money? Of course I am not expecting you to tell me where and when to invest but simply what to read, and I guess I really would like to know how you became an expert, where did you start? I feel like investment is something so big I can barely even touch it, and I would greatly appreciate any words of advice you could share with me. Thanks and I hope to hear from you soon. Kind Regards, Beth"
07/12/2018Read our reply
"I have just bought a house; got 3 months income in my current account and now will be earning about £1000 per month after bills and normal spending. I’ve been investing in Nutmeg’s Risk 10 profile for three years which helped my deposit for my house. I also contribute to the Teacher's Pension scheme. I am now wondering whether to use Nutmeg again, or should I use LifeStrategy for my £1000 per month? Is there a difference between Vanguard's LifeStrategy option and let’s say a well known robo adviser like Nutmeg? Or do I now push the boat out and start investing in a few funds? I am still a beginner and would like to keep things simple, but happy to take risk and prepared to leave my investments for a long time. Please do you have any advice for me? Thank you."
26/11/2018Read our reply
"I am a 35 year old woman working part time on a reasonably good salary. I have recently taken out a Stocks & Shares ISA with Wealthify (from reading the recommendations on Boring Money) where I pay in £40 per month. However, I am wondering if I should be doing more? Should I be diversifying and using more than just Wealthify by also investing in Vanguard or Investec, for example? Or is it better to increase the amount into Wealthify? Thanks!"
17/10/2018Read our reply