Vanguard just said this about the LifeStrategy funds..

[@loutol2952]

I watch your videos ……and boy do you engage your audience? It’s hard work …….and you do it well.

[@DamienTalksMoney]

Thank you so much. Such a compliment this.

[@incognitoescargot7464]

You are very thorough and clear, it’s satisfying to watch👍🏼 no gaps, thanks Damien

[@DamienTalksMoney]

Thank you so much! Glad you enjoyed it

[@msarros1]

How come Vanguard in USA has a REIT fund but UK vanguards has not? A REIT and Commodity fund is needed for investors to choose in terms of diversification.

[@fredatlas4396]

And what about a global or US health sector index fund, a short term UK gilt index fund, a short term US Tips fund GBP Hedged. Legal & General does a global healthcare sector index fund, ishares does short term UK gilt etf and short term tips etf GBP Hedged. Plus Vanguard USA target date retirement, lifestrategy funds and some more have much lower fund charges. And Vanguard UK platform doesn't provide the Acc versions of their UK etfs, and at the same time they don't provide automatic reinvestment of dividends, income. Plus you can only buy whole units of their etfs on their own platform. Other platforms allow you to purchase fractions of Vanguard etfs. None of this really makes any sense

[@SirHargreeves]

I’d like to invest in all Vanguard funds possible. Other providers have more choice, oddly.

[@relaxnchill9335]

Superb video, putting that energy into investing videos is a skill. Well done!

[@DamienTalksMoney]

Haha i need to put the energy somewhere so investing content it is!

[@stuarth9359]

Great video Damien. Sold half my LS80 allocation a couple of month’s ago and moved into VHYL to give me a pseudo Value tilt going forward incase inflation sticks around.

[@LEWIS1992]

Thanks again, always love seeing quality Vanguard content on your channel! Looking forward to your next video!

[@mattthompson8657]

My LS100 has gone up over 10% in the last 2 months. I'm back in the green after a while in the red. keep buying every month, you can't go wrong.

[@DamienTalksMoney]

Spot on mate! What bear market?! lol

[@richguest]

Another humdinger of a vid, many thanks - I will continue to hold my LS60 which makes up around a third of my portfolio.

[@DamienTalksMoney]

Love a humdinger

[@Munkfish-TV]

The fact that accumulation class is still missing for most of their ETFs on their own platform is a problem that Vanguard has still not answered satisfactorily. It's why I won't take out a SIPP with them and will move my ISA in the near future. There's no reason for this as accumulation is readily available on other brokers.

[@mooremoneymakin]

I think Life Strategy Funds are great for beginners and for that reason it doesn't make sense to add a REIT allocation or anything else as it adds complications in how much is allocated and does it come from the equity or bond portion etc. If you get the point where you want to do that, you're probably better off constructing your own portfolio, even if it's just a 3 fund portfolio - global equity, global bond, REIT.

[@DamienTalksMoney]

Yeah i think you are spot on here.

[@Andy43210]

The last one, after saying "Thanks Mohneet", made me laugh. Perfect timing

[@DamienTalksMoney]

Haha glad you enjoyed it!

[@pataleno]

Great video mate. I Stopped investing in Lifestrategy 80% and went all in 100% and VUSA VWRL. Ain’t interested if it goes up or down. Drip feeding each month increasing each year. I’m leaving for the long. Better sat in there than a bank eroding away.

[@DamienTalksMoney]

Yeah 100% better in there mate. I love a global index and hold almost everything i invest in VWRL.

[@mrtunes1347]

Dumb question, but did you say you went from the LS 8/20 to the LS100?

[@pataleno]

@@mrtunes1347 yes. I just felt it was better to move everything fully to equities and away from bonds. That may change as I get closer to retirement. I don't invest in LS100 (have not sold though) at all now as I can get the same on global funds with lower fees.

[@mrtunes1347]

@@pataleno that sounds pretty good 👍 I was thinking about investing in the FTSE All-World UCITS ETF (VWRP) I currently have a low paying job under 1k a month, would it be worth investing in the FTSE All-World UCITS ETF (VWRP) if I could only contribute £500 a month

[@pataleno]

@@mrtunes1347 Even if you only contribute £50 a month it's better than zero. This will soon build up into a nice pot. If you are young then time is on your side. Enjoy yourself and good luck.

[@oransoi]

I am new to the UK markets, and your videos are a lifesaver. Thank you.

[@BeastProSHADOW]

Love the Mohneet outline and title. We need some more of that with the funky music Damo

[@DamienTalksMoney]

Haha glad you liked it! It was sort of snatch inspired.

[@Lucy-td1gy]

The gymshark hat has KILLED ME 😂. Agree with you - I hope highest returns vs sales were at the back of their mind. When I first started investing I chose LS80. The defensive quality of the 20% bond allocation was appealing, it was still high risk which suited me as I have a 30 year time horizon, and it was an “off the shelf” product. The home bias put me off and I now just invest every month into FTSE Global All Cap. Still trying to figure out whether my strategy is a bit vanilla/boring (the same global index fund every month etc). Love your videos Damo! Listened to your episode on the Meaningful Money podcast with Pete on the train the other day - really good listening to my favourite personal finance content creators having a natter!

[@nathan6899]

👌🏾thank you, great video. I’ll keep it simple with the Automate - Ignore the news - Diversify rule.

[@DamienTalksMoney]

Haha i wont say how long it took me to edit that..

[@nicwilliams00]

Your best content came at 7:37......i'm only messin! Great video as per. I will need to look at my LS funds now. Keep up the good work!

[@VegasMilgauss]

I keep it simple 100% life strategy. Set it and sit back and enjoy the show.

[@bellesoti]

In Jan 2021 i started an ISA with Vanguard. Not sure what to invest in i settled on 2 funds, the 100% Equity LifeStrategy and VWRL. Contributing to both equally. I stopped contributing when they hit £10,000 each. The result. As of this date the LifeStrategy is beating VWRL by about £200. I cant say this is a scientific experiment, however the disadvantage of the UK bias is not panning out here

[@thomasmeredith9124]

I do the same, and yes I find 100 to have the edge atm. I plan to continue adding to both and if the UK ever gets a PM thats any good and boosts the economy I think L/S 100 could do well.

[@simon88uk]

@@thomasmeredith9124 Good PM that boosts the economy? I'd rather buy the VWRL instead..

[@davidswain9813]

Big fan of vanguard. Really wish they had some reits and community funds. Personally I would like a U.K. reit, a global reit, an all commodities fund and a dedicated gold / precious metals fund. Agree with you it probably won’t happen. I imagine every vanguard customer has a list of 4 funds they want. However a global reit and an all commodities fund seems a no brainer to me. A boy can dream. King Oreo my cat (he a big cobweb fan) would like a gold , head-scratches and fishies fund. He says that all a king need.

[@shireling6336]

Another great vid mate, had a great chat the other day in the Italian! Cheers, Matt

[@DamienTalksMoney]

Hi Matt! Was lovely meeting you in person, Also the food at the restaurant was amazing. Thanks for dropping by and keep staying consistent with your investments! Damo

[@maviswheeler8318]

Thanks always Damien for your research and delivery

[@LiamR90]

I'm always a 100% equities guy. I don't see the point in bonds and gilts but in the next couple of months I'm considering changing all of the money in my funds to cash. If I do, it will be on a variable rate that tracks the base rate minus 0.75 but with no fees... They've already said the base rate is going to be at 4% in February and rising through the year to tackle inflation. I can see stock prices dropping due to more people switching to guaranteed high returns for a couple of year. My plan is to jump back in when interest rates sky rockets. House prices and stocks are going to take a hit. I'd like to know your thoughts 👍🏻

[@sl0w_racer]

If you are in it for the short/medium term this then makes sense. The long term equities however will out trump cash every time. I did do this with my short term investments, I sold a big chunk of my portfolio last year and now have the money is high interest savings accounts for a guaranteed return. But my long term stuff i.e. pensions, I just moved out of a newish lifestrategy fund and diversified across, north America, europe, some UK and asia 100% low cost equity funds. This is long term stuff so not so concerned over the next couple of bumpy yrs. It will be in there for at least 20yrs

[@joshuouy]

Your channel has truly changed my life. i've been studying and researching about crypto for a while now, do to the economy crisis and i got stuck at some point on the learning curve. now i can say I'm truly improving my understanding of this whole new world and making great profit weekly, all thanks to you

[@jimmaisamaila]

That's great

[@jimmaisamaila]

But i recommended Mrs Sophia she's really my bitcion trading manager

[@Benjamin.365]

Wow I' m just shock someone mentioned expert Mrs Sophia I thought I'm the only one trading with her

[@himedft]

@@jimmaisamaila so you guys still know her too

[@greatffgyv]

Now with the recent economy, To get financial freedom you have to be making money while you're asleep

[@ScipioAfricanus809]

Lifestrategy funds are still great for beginners or those who understand their risk tolerance but are otherwise not inclined or uninterested in going any further. I'd like to see some factor funds reintroduced.

[@DamienTalksMoney]

Yeah factor funds would be awesome. What is your factor of choice? Value?

[@ScipioAfricanus809]

@@DamienTalksMoney a Value etf would be amazing, they did used to have VVAL. A small cap value would be even more amazing.

[@mattsennett]

Brilliant video Damo 👍🏻 I hold the 60% bonds fund as a bit of a hedge to my 30 individual company shareholdings that make up my dividend portfolio. I stopped buying this fund in mid April and began again in mid June because the bond market was getting bashed. It turned out to be a good move, unlike many others I make!! Long term I think bonds will perform in the way we all expect from them and they do seem to be coming back in favour recently.

[@fredatlas4396]

Do you just buy UK shares, if so why not just buy a low cost UK etf like ftse 100 etc that will provide good dividend returns. That would save a lot of money spent on dealing charges and I think be more diversified. Or buy a UK income etf and a global high dividend etf and combine with a bond fund or 2. Say a short term government bond etf & intermediate term government bond etf. Or a barclays bloomberg global bond index eft, combined with short term government bond etf. Say ishares US short term tips etf GBP Hedged. So you could just have 3 or 4 etfs with Fidelity UK for example, and just rebalance once a year. You pay £10 for dealing charges and platform charges capped at just £45 per annum.

[@mattsennett]

@@fredatlas4396 I hold a few US shares in my SIPP. A couple are hopefully being taken over and the other is Devon Energy. I purchase my individual holdings via Freetrade so no fee's outside of £10 per month for my SIPP and ISA. Forgot to mention I also hold VUSA and have done so for many years. I like to buy on dips and get to know certain companies quite well which is why I hold individual stocks.

[@skeletor2000]

For the past year I've been putting 95% of my monthly allocation to LS100, 2.5% to emerging markets and 2.5% to Europe ex UK as little bonus boosts to those areas. It's like I don't want to make juicy USA gains.

[@squibys2262]

This comes days after i just sold my small allocation in its entirety, was intending to make it a regular investment but changed my mind.

[@derekscott7912]

Really enjoy the content chief, was looking for some good in depth UK investing vids; your content fills that niche solidly, thanks!

[@yaseral-saffar7695]

UK Life strategy can be closely approximated with 4 ETFs - equity: VWRA(78%), FTAL(22%); bonds: VAGP(67%), VGVA(33%). Non-UK equity allocation seems to closely approximate global allocation - that’s why. Of course you should verify first

[@peterramsay1767]

The first step to successful investing is figuring out your goals and risk tolerance - either on your own or with the help of a Financial Advisor. If you can get the facts about savings and investing with a well detailed plan, you should be able to gain financial security over the years and enjoy the benefits of managing your income.

[@steceymorgan814]

I think the pandemic have really taught people the importance of multiple streams of income, unfortunately having a job doesn't mean security.

[@mav3420]

Successful people don't become wealthy overnight. What most people see as a lance wealth, a great career and luxury is a result of smart work.

[@kathyfrugalsen3047]

@@mav3420 It's not how much money you save in the bank, but how much money you earn and how hard it works for you. Money devalue over time, investment is the best option as it grows over time

[@lilianazuluaga6504]

@@kathyfrugalsen3047 I think the key thing here is working with a professional. Yes people have devoted their lives to making profits in the market, but those of us who haven't but are interested in investing can simply work with them.

[@eddiejohn8506]

@@lilianazuluaga6504 Alright, so you know anyone?

[@olivergiles1198]

Unreal content mate, thank you!

[@DamienTalksMoney]

Thank you mate! Glad you enjoyed it

[@lukasg6254]

As always awesome video from Damien! In the interview, she says what you say from the beginning of your channel, diversified long run- marathon. Thanks Damo!👏🖖

[@simon88uk]

Great content, Damien! 🙂I completely agree that LS 100 should be only targeted if UK exposure is preferred. You mention VWRL as a good alternative. Is there a specific reason why you'd prefer that to VWRP? Do you think it could be a good choice for a SIPP (we're the same age)?

[@rosemaryarnoldYT]

Damien are you editing your own videos because the improvement is sooo good.

[@DamienTalksMoney]

Yes I am! Thank you so much for thinking the editing is getting better. I just keep trying to improve with every video

[@adamhopkinson7299]

Great video on interesting subject. Keep em coming.

[@JevansUK]

Very nice explanation and analysis as always, I like to think of myself as smart but I do struggle with understanding how FEX risk factors into buying global funds. IE if I buy S&P500 index and GBP improves against USD to prebrexit level would that cut into the gains made by the funding value? Any chance you could give a brief example Damo?

[@DamienTalksMoney]

Great Question. I think this (below) is a good article on the topic. it gives good examples and actions you could take dependant on how you see the risk. monevator.com/currency-hedged-etfs/ In short Vanguard would argue that long term currencies tend to work themselves out. You take the rough with the smooth.

[@01302]

Ls80 fan here! Thanks for another great video

[@DamienTalksMoney]

You are very welcome Mark!

[@richsmart321]

So the Vanguard LifeStrategy Product Specialist recommends Vanguard LifeStrategy? A global ETF with 7000+ companies is diverse enough for me! Good video!

[@omfgrasel]

Amazing content as always!! Am I right in saying that rather than investing in a life strategy fund 100% is better to diversify in a VWRL for example?

[@fredatlas4396]

I think total charges for Vwrl or Vwrp or even cheaper veve or Acc version are overall cheaper on fund charges. I guess depends on your time scale. Also is the US going to continue to outperform, or will emerging markets produce any better returns going forward. Nobody really knows. But if you are a purest passive investor I guess just buy a low cost ftse all world, ftse dev world or msci world fund etc. But if you want bond and equity exposure lifestrategy makes some sense, no rebalance required, just put your money in every month etc and stay the course long term

[@omfgrasel]

@@fredatlas4396 Thanks Fred. Being 25 years old I am here for the long term hence why I would go for a Lifestrategy 100%. However the weight on UK economy is putting me off slightly as US will probably outperform other markets for the foreseeable future.

[@williambaker427]

FTSE Global All Cap fund as a etf would be nice.

[@daxter224]

The star rating is purely quantitative based on rolling 36-months of risk adjusted performance. The comment about peer relative performance should be judged on its percentile ranking versus its peer group. The star rating does not really compare funds against each other rather against its benchmark.

[@goldgrimreaper]

this guy is quality to listen to!!

[@DamienTalksMoney]

Thank you!

[@davidwalsh9807]

Interesting video Damo I liked the interview comment breakdown…and the gym reference 🤣🏋🏻🦈

[@DamienTalksMoney]

Thank you david!

[@simonunion4657]

Bonds can be good hedge i purchased ITPS over 10 years ago not hedged against GBP due to long term decline in pound £70 on purchase £202 now and each time market as a wobble re balance to pick up the lower market then once recovered rebalance back

[@josephjvr6509]

thank you damien. Great video.

[@DamienTalksMoney]

My pleasure!

[@elliott3936]

Interesting point on REITSs. Us Brits love the idea of a property investment, but there are risks with property as an assest class notably liquidity (look at the Janus Henderson Property fund closure). Also, investment trusts offer leverage, and the closed ended nature of them exposes them to price discount and premiums rather than having a price based on the Net Asset Value of the stock.. Both characteristics add to volatility. Given Vanguards size I don't think this would work. Can you even invest passively in property?

[@nickmichie7480]

Yeh wicked video as always mate. Just starting out my investing journey. Watched about 30 of your vids recently actually. Thank you so much, I've learnt loads. Invested in the 80/20 strategy as I'm in my 30s. So do you reckon it's worth considering investing in a global index fund as well (in a couple years maybe), to offset the heavy UK bias? Cheers again.

[@DamienTalksMoney]

You have a global approach with LS and they are designed to be a one stop fund but if you wanted to water that down you could add a global fund to the mix or any fund that is Ex U.K. so excluding the U.K.

[@RajR96]

Well in Damo, good job!

[@DamienTalksMoney]

Thanks Raj!

[@oc7414]

A Bond is debt, I would never invest in Debt, so no Bonds for me. The whole system is Debt based and relies on crisis after crisis to perpetuate the model. What happens when you wind up a rubber band over and over!? When inflation is rampant now and in the future with the adjustments to protectionism and de-globalization, interest rates rise to levels where the Gov' debt is unsustainable and they need to print more money to service their debt = Hyperinflation (50% a month for two or more months).

[@bernardthedisappointedowl6938]

"I think Vanguard should have lead from the front" - What does 'Vanguard mean I wonder?" - oh "a group of people leading the way in new developments or ideas." - They fact they acknowledge that bonds have a history of not being a hedge to equity - but still they're hoping they will continue to act as hedges, even though the evidence suggests that has changed would ring alarm bells for me - It's a thought that reminds me I am glad to be a trader, I would struggle with relying on 3rd parties that charge me money for a strategy that seems quite dubious - though happy to admit riding bear market rallies isn't also a bit scary - but still, at least it's under my control how to react to price action - Interesting video as ever, thanks ^oo^

[@DamienTalksMoney]

Yes Bernard! Great to see you. Spot on with the Vanguard definition. would love to pick your brains one day about trading maybe for some content. i think it would be a Hoot ^oo^

[@bernardthedisappointedowl6938]

​@@DamienTalksMoney Thanks Damien, appreciated and always happy to help - In many ways (if not quite all) investing is trading, but just on a bigger time scale - the mathematical patterns are fractal which means price structures can apply to all time scales from the 5 minute candle to month candle in a mostly similar fashion - which is a fact I still find amazing even after years of trading - All the best my thoughtful friend, ^oo^

[@Huxley350]

6:50 onwards. Absolutely spot on - the starting point should always be the median portfolio, global market cap weighted and take tilts from there. Never understood their home bias other than withholding taxes and currency management.

[@DamienTalksMoney]

Glad you agree mate! Looking forward to your return with Nuanced.

[@celine8793]

Okay Damien you’ve convinced me. I’ll open up an investment ISA this week. Should I go with trading 212, invest engine or vanguard? I’ll invest a lump sum of about £10k (still leaving enough of an emergency fund in my savings account obv) and then will continue to invest around £700 monthly. Which one is best? I’d stick with vanguard funds for now but obv I can buy these on all 3 platforms. Highly value your opinion so which one would you go with if you were me? :)

[@musicloverUK]

He's done a video on Vanguard v Invest Engine

[@hookedonfinance]

Good video Damo!

[@seand2267]

Nice one Damien, thanks for the quality information. What do you think of AJ bell global growth fund? Thanks

[@ADF-js9vi]

Damien, couldn't agree with you more. Why am I going to an expert who then asks me my opinion? I just want the best return for my investment, I don't care how it gets there.🤨

[@womanofgold]

not me watching this as im just about to open my first Vanguard fund 🙃

[@STKS1991]

To your point at 6:42 about Vanguard leading from the front and saying what asset allocation people should use - The FCA wouldn't allow this, asset allocations vary depending on client attitude to risk therefore giving specific fund/stock advice is (unsurprisingly) seen as advice and not guidance. Can't just give out financial advice to unknown individuals without knowing their situation or you open yourself up to a whole world of legal and regulatory problems. - An IFA.

[@DamienTalksMoney]

I am not saying they should give out financial advice at all. But they have made a decision on the asset allocation one way or the other, I would hope that decision was based around expected returns and not a vote on popularity for one market or another. You cannot avoid the fact that when deciding on an asset allocation within a multi asset portfolio they are making a call. That doesn’t constitute financial advice for an individual but the outcome of that decision does affect individuals, in this case the decision to go with a U.K. lean has lead to underperformance. I would argue deciding an asset allocations based on a vote leans more towards financial advice than constructing an equity position based on a fair market weighting. The user would still get to choose an appropriate fund based on their risk tolerance. But my point is vanguard know more about suitable asset allocation than a novice investor.

[@stephengreen2626]

Just bought into vanguard in a pension SIPP uk all share. I know it’s plain vanilla but as I have got investments make crapto look dull, I need a bit of balance. I chose it because managed funds tend to invest it till it’s all gone. I lean towards less meddling. When I take risk it’s for things I’m passionate about, not to make money per se.

[@williambaker427]

Will they offer Lifestrategy ETFs

[@bernardo.daSilva]

Catching up on content.. I haven't got a Scooby doo what the Vanguard life strategy fund is. You've made videos on this in the past and I need to watch these again.

[@bernardo.daSilva]

Just wanted to say thank you for some more valuable content

[@Markrspooner]

I think a video on hedging against the stock market including commenting on whether bonds are still a hedge would be very interesting

[@DamienTalksMoney]

I will make this video Mark. Thank you for your comment.

[@Markrspooner]

@@DamienTalksMoney Thank you Damien ♥️

[@Markrspooner]

@@DamienTalksMoney also good time on this video as I just sold my vanguard Life Strategy 40% due to poor performance. However it wasn't in an ISA and I wanted to move the funds into one plus this year's ISA is in InvestEngine. Saying that at the moment bonds and UK equity are not very attractive. I still want to hedge the equity markets but for me I just don't have faith in the Life Strategy funds.

[@robinspanier7017]

there are multiple life strategy funds out there, one without a bias which is running for years now as well. but idk if its available in the uk, since its a product for europe.. and you know :(

[@19grand]

No more LS funds? What happened to holding for 10 plus years.

[@DamienTalksMoney]

Who said no more LS funds?!

[@TheOrdinaryInvestor_]

12:45 - 13:15 is the key to all investments

[@chay18]

Very informative video! Cheers man, appreciated

[@nickolastripodis5287]

Please could you do a video which outlines which funds to be invested in dependent on goals, e.g what are the best funds for 10, 15 and 20 year investor returns, is VWRL preferable for 10 yrs, or more long term. Similarly, is lifestrategy 80% best for 10 yrs....?

[@markwells5781]

My 60/40 LifeStrategy’s performance is far from exciting and I’ve seen much higher returns from the Global all cap and S&P 500 funds. Who knows what will happen in the future though. When I started investing I thought as I’m getting a bit older (on the wrong side of 40) I ought to have a bond allocation. I’m really interested to know others thoughts on whether it’s sensible to hold bonds, being in your 40’s?

[@8G00SE8]

The reason bonds have performed badly is that every 6 weeks the BOE devalues them by raising interest rates. You should expect a bond portion of a portfolio to perform bad until next year when they believe they will have tamed inflation and the need to increase rates, once rates have stabilised you could see bonds acting more normal.

[@Kazi2812]

Stick with the split. Look at the volatility of the market, not even the market knows what it's doing. At least with the split you cover both basis.

[@rustypipe]

LS60 is 👎🏻

[@markwells5781]

@@rustypipe really why?

[@sid35gb]

I’m 50 and hold 100% equity VUSA I have 1 bond which is a us treasury bond just for curiosity. I will add bonds closer to retirement because the returns are low it’s pointless holding them to for long periods of time. The risk with my strategy is if there’s a big and long fall in the market before I have my bond allocation added might delay my retirement but I’m not worried. The S&P 500 normally recovers in about 2 years after a recession which tends to be every 10 years roughly. I feel the US is pretty safe and 40% of S&P 500’s income is generated outside the USA so it’s pretty diversified. It’s also averaged a 10% return over the last 90 years and never gone bust if it did then no matter where you live that will be the least of your worries.

[@michaewelina7983]

Did you ever hear about 60% equity 40% gold portfolio? Back study suggest that if you adjust to stay in this ratio you get consistent stable (not volatile) growth of 6% regardless market condition.

[@DamienTalksMoney]

I have never heard of this no. I am always dubious of anything that promises a guaranteed return. But i will check it out.

[@DamienTalksMoney]

1st

[@JV57JAY]

Haha can you really 1st your own video

[@michaewelina7983]

Unfair market advantage, almost inside posting... 😂😂😂😂

[@maxelbrig1315]

This channel deserves 500k subs ;)😀 FTSE All-World UCITS ETF (VWRL) S&P 500 UCITS ETF (VUSA) which one you suggest if we were to pick 2?

[@hachimaru295]

Personally I'm prepard to use a cash buffer rather than bonds for when it hits the fan, and stick with yank equities the next earnings season in Oct will be one to watch. Could be a dip and a buy opportunity. But thats why is called a market nobody knows the recent rally has probably run its course or therabouts (75pc)

[@hachimaru295]

Will do mate pretty soon mate

[@Jack-cs5pm]

My parents are older and want to add a bond index (or several of them) to their All-Cap SIPP. Which Vangaurd bonds are considered the best?

[@JRichard20]

What do we think now Damo? With bonds being used to generate liquidity by pension firms & BOE forcefully buying them up? Are bonds a good as hedge as she describes? (I'm a newbie too so I may have stuff wrong)

[@TheIanwright84]

Love the supermarket sweep clip 👏👏🤣

[@DamienTalksMoney]

Had to go with a Dale winton original clip! The hair was just better back then

[@TheIanwright84]

@@DamienTalksMoney there's something other than the original ?

[@DamienTalksMoney]

@@TheIanwright84 oh mate yes… Rylan Clarke has a reboot of the show… don’t bother

[@AH-wr1ir]

great vid. well done.

[@DamienTalksMoney]

Thanks mate!

[@george6977]

Why does Vanguard not offer Accumulation ETFs which are more tax efficient than Distribution ETFs? Is it so that they earn more from transaction costs?

[@Knoksvau]

Damien question for you, a while ago you said you will be full time content creator, but as far as i hear youtube cut their rates for advertising etc, does that effect you aswell? Are you planning to keep doing this for living? Bonus question: what’s your favourite fund at vanguard?

[@lewissmith72]

Damo can pivot on a dime…. Look what he did when a pandemic threw him a curve ball. He’s here forever. Broskiiii only just getting started. He’s everywhere right now…he’s only getting started with his craft. You’re lucky to be here before he hits 100k. You’ll be seeing this place explode.

[@DamienTalksMoney]

Pivot on a dime! haha love it. So yes the reduction in ad revenue affects me i earn about 1/3 of what i did from ad revenue from google about a year ago even with more views. But i make money in other ways also not all just google ads. So i am still surviving.

[@harrypicken4327]

Damo - would you consider doing a video outlining the more US heavy index fund alternatives to the vanguard life strategy funds that you would recommend ?

[@DamienTalksMoney]

kzbin.info/www/bejne/kJexnKywosmhr8k Older video now so sorry if the production is a bit ropey. but that should help mate

[@miken7629]

Life strategy Funds and other balanced funds containing bonds were never intended for a prolonged period of zero interest rates. Low interest rates caused bond valuations to be more than payoff value. Most people did not know they were buying funds containing bonds with ballooned valuations that were destined to go down when those bonds reached maturity. Of course, nobody warned them until it was too late. People that got out in 2021 did OK because they sold at ballooned valuations.

[@richjohn11]

Hi Damien! Beginner question here...do Invest Engine only offer ETF,s or do they also offer Index funds

[@constantfear]

cracking animation damo, big up 0121

[@DamienTalksMoney]

Big up 0121!

[@mr.wibble]

Has anyone had a crack at pulling together a table which contrasts age bands and Lifestrategy % allocation? e.g. 30 - 40 years old = Lifestrategy 80% If not, it would be interesting to understand the thought processes around creating one and of course what it would look like. 👍

[@purelytm374]

What about mixing a lifestrategy 80 with there global index fund? Would give you the Diversity on the uk bias?

[@foreignermakingmoney-phili1458]

Great vid to make money which I am into

[@ghx783]

Great vid, Damo!

[@philpaston6374]

I’m no expert but it strikes me that if you are retired and drawing an income from your investments and have your pension invested in a blended fund of bonds and stocks you then lose some flexibility compared to having the money in separate funds of stocks and bonds. If the stocks are down you then at least have the option sell some bonds that may not have been hit so hard while you wait for stocks to recover.

[@AlessandroTimmi]

Completely agree with your comment. I guess this is the price that investors of lifestrategy funds pay for having a simple 1 fund portfolio.

[@bennybenoit754]

Cheers Damo, another great video.

[@DamienTalksMoney]

Thank you Benny!

[@morphlol7760]

Very well explained

[@DamienTalksMoney]

Thank you!

[@MegaLuke21]

Hi Damien, I enjoy watching your videos. I'm new to investing in index funds. I have a question; is it possible to cheat with Vanguard a little? It takes 8 days for a buy order to go through. If I did a buy order last week but am finding that the index rate is lower this week; could I cancel my pending order and just choose to place a buy order this week (at a lower rate)?

[@kiaranjay5153]

I've had a lifestrategy fund with vanguard for a bit now, but I might switch to one of their ESG funds to see how it compares

[@TheSmartLawyer]

ESG will ruin your total return

[@eviebee4]

Man thanks so much, this was so useful!

[@mysteries2solve]

I’ve been following vanguard uk s&p index and it seems to be going sideways where the actual s&p is falling any idea to why this is happening

[@lewissmith72]

It’s 2am on a Friday … well Saturday morning… and yup I’m here. Eating nuggets watching more damo. Damo- nuggets - mr beast…. In that order

[@simon1066]

I’d be happier with my life strategy funds having much less exposure to UK stocks and bonds. The UK is the worst performing economy in the G7 yet Vanguard are vastly overweight in the UK. It makes no sense.

[@finnwheatley2194]

I like Vanguard but their understanding of asset allocation is primitive. By varying the equity percentage depending on return objective you are making market calls. Your portfolio is a big bet on growth

[@NoName-ql1wk]

Another excellent video.

[@DamienTalksMoney]

Glad you enjoyed it

[@joebenno]

As a beginner who hasnt even started any of this yet. What do I do? I feel its quite overwhelming so a little bit of help here would be amazing!

[@DamienTalksMoney]

I would start with my investing for beginners playlist

[@smyth339]

Hi there. Have a quick question - i plan to invest in vanguard hopefully soon. I'm in my 20s and want to put in 100 pcm till I'm retired. I'm torn between s&s 500 index fund and lifestrategy. Am i right in saying I can't open both as you are only allowed one stocks and shares isa? Bit confused which one to pick . Thanks

[@chinniah1]

I'm not a professional, you can have one ISA but you can invest in multiple funds within that wrapper. So you can do both S&p and life strategy.

[@clevergamer6704]

I quit vanguard about a month after I discovered investing, it's for newbies and it's expensive for the long term, their funds are useless and options are very limited.

[@DamienTalksMoney]

You think their funds are useless? Including some of the global funds? Also you can buy Vanguard funds on other platforms. I use 212 in the main as an example

[@clevergamer6704]

@@DamienTalksMoney oh no, I didn't mean it like that. I have invested in few etfs myself. I was talking about the ones on Vanguard UK. it's very limited compare to the larger selection of funds available on other platforms. I'm using interactive investor at the moment and happy.

[@sid35gb]

2 years with vanguard VUSA has produced a 66% rate of return for me you’ll be doing well if you manage to beat that.

[@clevergamer6704]

@@sid35gb 66% over 2 years is alot for an etf so it's not the norm. The average is 9-12% over the decades. Yes, plenty of stocks can beat that easily.