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Vanguard Review

as of 28/08/2020 at 10:11 am

Holly's View

Low-cost, no frills investing. Their LifeStrategy funds offer readymade investment solutions and with over 30 million mostly happy customers globally this feels like a safe option for most. Suitable for beginners, and even the most savvy investors protect themselves from ‘exuberance’ and have at least half here! That said, the website and associated information is sparse, and it needs work. But these guys are solid and, let’s say it again – LOW COST!

Our Rating

Recommended For

Beginner Investor

Confident Investor

In a nutshell

Low cost

No access to shares

Straightforward investments

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Your overall rating

Based on 41 reviews

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What to Expect

Investment Choice

Products

Stocks and Shares ISA

Junior ISA

Investment Account

Pension

Investments available

Own brand funds

Investment help

Robo advice / ready-made portfolios

The 'Geeky' Details

Provider details

Vanguard is one of the world's largest asset management groups, which recently launched Vanguard Investor so investors can buy its funds directly. They offer ISAs, GIAs and a SIPP. 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 around 0.41% all-in or £4.10 on a £1,000 investment.   

Important Facts & Figures

Provider Size:

New investment service from one of the world's largest asset managers.

Minimum amounts: £100 minimum monthly amount
£500 minimum initial amount

Your Questions

"Hello! I'm 22 years old and trying to navigate my finances. I have a comfortable safety buffer of £15,000, I'm contributing to my workplace pension and I'm also putting money into a cash LISA. I would now like to put £100 a month into a Stocks and Shares ISA. After exploring Boring Money, I've decided to opt for the Vanguard LifeStrategy 80% Equity Fund. I'm planning on investing this money for at least ten years. However, I wanted to know if there is any possibility of reducing risk after this time? For example, could I perhaps transfer to the 60% Equity Fund? Thanks for your help."

Lucy, London

02/08/2020

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"I have been paying into Vanguard Lifestrategy for a few months now, despite losses during the peak of the coronavirus outbreak I am now making gains again now. I regret not putting more money into the market at the very bottom in March, but I thought things were going to get a lot worse and I'm quite a cautious investor, but instead the recovery took me by surprise. I still would like to put more money in but but not all in one go, but feel time is against me. I'm 50 now and hope to retire at 60. This gives me just 9.5 years to pay in and grow, do you think this is a long enough period to invest in or am I now stuck with low interest bank accounts? I also read your weekly blog today that was sent to me, it mentions that if we experience higher inflation this could hit shares and particularly bonds. Now this is somewhat concerning, but it may be years away and I can't afford to sit on the sidelines waiting for the dips to arrive. I have my money split between Vanguard LS 60 & 80 with slightly more in 60. So basically my question to you is - with only a ten year timeframe, am I coming to the end of my investing life and should now stick with cash if shares and bonds are likely to take a hit in a few years? But where else is there to go for a health return?"

Richard, Hull

25/06/2020

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"With China (well on the face of it) emerging from the COVID-19 nightmare, and its economy already up and running as the US, UK, and other countries are still battling, is now a good time to invest into China? What funds with equities that have a China focus are out there on the market? As a novice investor, I was looking at Vanguard's LifeStrategy 60% fund but know this is heavily geared towards the UK market. Any suggestions/thoughts would be most welcome!"

Tariq, Lancashire

09/04/2020

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