Vanguard Portfolio Update 2022 | Stocks and Shares ISA

[@nikitee4535]

Thank you so much for this video. I'm new to investing with Vanguard and this video is the first of so many i've watch that explains how my investment works, especially around agains and the cash pot. i've set up a direct debit for each of my investments so i don't forget to put something aside monthly. Thank you

[@herpennypotential40]

Glad it was interesting thanks for watching!

[@stevedunn3113]

My Vanguard ISA has been mostly red since Christmas and is down -7.62% overall...I guess that we just have to ride the rough with the smooth but it does feel like a long ride!

[@herpennypotential40]

Definitely, although its painful to see! aha!

[@M8d9R]

I'm in the same boat.. it's easier said than done but it's all about the long term - 10 years later downturns in price will look laughable.

[@Jay-yd3do]

Thanks for the video. I am also with Vanguard but would be interested in seeing a video comparing other isa platform providers as 5th April approaches.

[@herpennypotential40]

Sure thing! Its certainly good to look at what else is out there

[@iandavies9154]

You can get an accumulating version of VUSA on other platforms (VUAG). Strangely there are a lot of UK Vanguard funds that you cannot buy on the Vanguard platform!

[@nevertoolate8589]

New sub! May i ask why you choose 3 funds? I thought Lifestrategy was already a diversified fund so why add the s&p and the vwrl?

[@MakingMoneySimple]

Great video Helen, interesting to hear your update! Nice range of funds, big fan of the funds that Vanguard offer, personally I use the All Cap!

[@felicitycryan]

Hi, Great video! I've just started with Vanguard I wanted a portfolio simular to this: 50% vusa 20% ftse 100, vuke 15% developed, verx 7.5 vfem 7.5 vapx until I realised you can't add any amount of money you want to each ETF! 🙈😭 but I have already started buying shares in each one, so I'm going to stick with and just change how many I buy each month. That being said, will my fees be really high having 5lthese 5 ETF's do you know?

[@helenmarysouthall]

Thanks for your video. Have never invested and want to, but think I might wait before setting up a Vanguard ISA until things settle down a bit.

[@taggthis]

Thanks. Good video. Quick question. To invest in the global funds, do you opt for blended 💯 equity on index funds?

[@RayRay79]

Thanks for sharing your portfolio, for a starter, have you considered a single fund? I think when starting out there is no need to diversify amongst three funds.

[@ajluvzlondon4214]

Hi Helen, thanks for your videos. I've noticed that VWRL and VUSA are both maintained in $USD and the tax status is "Germany, UK reporting" according to the Vanguard website information on the ETFs. Does this have any negative impact on UK investors due to currency changes or post Brexit?

[@jamiegordon3776]

I'm a dedicated ETF journalist and I'm a big fan of the Vanguard platform for accessing LifeStrats. For ETFs I actually use the Trading212 ISA platform as I doesn't charge annual fees (currency conversion and securities lending revenues). In that account, I invest across more than 30 funds :)

[@herpennypotential40]

Hey Jamie that’s so great, over 30!! That’s crazy! Thanks for watching ☺️

[@Afrinaturality]

Thank you. I hear a lot of people talking about the Vanguard Stocks & Shares ISA. Is there a particular reason why this one is preferred?

[@NikeetShah]

Vanguard's products have low fees vs similar funds with other providers. Also I think Vanguards UI is clean and easy for a noob.

[@Afrinaturality]

@@NikeetShah Thank you.

[@herpennypotential40]

Its mainly the fees and simplicity of the Vanguard products/site! I have only ever had a S&S ISA with Vanguard so cant really comment on other platforms but i went for Vanguard for the fees and Lifestrategy products :)

[@Eli-vf7io]

Thanks for sharing. Just one comment, hope you don’t mind. Your funds are highly correlated with each other, (they move in the same direction ), therefore don’t offer you any diversification. VWRL already has exposure to EM and US equity. Just sell EM+ VUSA, keep VWRL. You’re returns will be better. For true diversification you’ll need bonds, reits, commodities or gold. Best of luck.

[@herpennypotential40]

Thanks for the info! I added additional funds over the year so yes there's definitely overlap - will look to re-adjust soon :)

[@felicitycryan]

I have started my portfolio to look like this: 50% vusa 20% ftse 100, vuke 15% developed, verx 7.5 vfem 7.5 vapx The percentages won't be exactly like this as you can't invest the exact amount you want each month (£200 per month for me at the min) But does it look diverse enough for the long term?

[@guycocker]

First of all, don't compare yourself to other financial KZbinrs in terms of amount invested. You're on the right path so just keep going. As others have said, your choice of funds has a lot of overlap, so LS 60, S&P 500 and All World are all heavily slanted towards the US. I choose to just invest in the S&P personally, but if I wanted to derisk I would just go for All World. Or I could build a global portfolio myself with slightly less fees using a combination of S&P, Emerging Markets, FTSE etc. Like you said at the beginning of the video though, investing is all about keeping things simple. Hope this helps!

[@felicitycryan]

I'm new to investing with vanguard, I have invested in the following ETF's: 50% vusa (us companies) 20% ftse 100, vuke (uk) 15% developed, verx 7.5 vfem 7.5 vapx The percentages won't be this exactly as it seems I can only buy shares at the Set min price, making it hard to get the percentages I want. That being said, do you think it's diverse enough? and will the fees be a lot higher having 5 separate ETF's instead of 1 like a life strategy fund?

[@sarahhoward7174]

Thanks for this video, so interesting to see what other people are investing in, I also have a vanguard ISA and currently only investing in the S&P 500 and life strategy 80. Do you have a direct debit set up to pay £300 into your ISA each month and then do you go in and allocate the amounts to each fund? Interested in how that works. Thanks ☺️

[@herpennypotential40]

Hey! Yes i have a direct debit set up via vanguard and i preset how much is going into each fund, i can definitely break this down in a video!!

[@mileycyrusstar983]

@@herpennypotential40 Hey, I would appreciate if you could explain how to preset how much goes into each fund, as my direct debit is going into my Vanguard account, but it isn't investing in my allocated funds automatically. Thank you!

[@adamhopkinson7299]

Interesting holdings why such a big tilt on USA? VWRL is 60% USA, Life strategy 80 is about 40% USA stocks of the total investment. I feel like you double buying loads of the same companies in different funds at the same weighting? You could argue you need more geographic diversification here? EM stocks are cheap why stop buying?

[@ant270]

If you're going for growth - Lifestrategy 100 especially if in a SIPP and you're far from retirement or less risk averse. For an ISA -ETF's ...and if you have a SIPP put any returns from non-accumulation ETF's into it for the tax relief bump up. Also, if you have a sizeable enough SIPP/funds in Vanguard the account fee is capped so, effectively you're just paying e.g. 0.22% for your ISA's and any contributions. I use LS 80 and 100 with roughly equal amount in both but, 100 has suffered much less even though it has no bonds.

[@AJ-rc5lr]

Came across your video, good to see that you are invested in Vanguard funds, your idea of staying with 3-4 funds is right, the more simple it is, the better, you don't really need more than 4 funds in your life. Also, what i would suggest is that, try to look for 1 Small cap growth fund index ( it can be active or passive, but i suggest passive, such as VBR or AVUV for the active ), why do i recommend a small cap value fund, it's because over the long term, it is very powerful combined with the S&P500 portfolio, and it really enhance your portfolio over the long term. If you do have time, please look up Paul Merriman and look for the video titled "20 Things You Should Know About Small-Cap Value", This will definitely open up your eyes on how powerful small cap is. Good luck!!

[@MichaelLee-rf1ts]

Hey, thanks for the information. It's been really useful. I have a couple of questions for you (and anyone who reads this). Does buying vanguard through 212 make any difference to buying them direct from vanguard? Price/profit over time. And If you were to invest 20k a year into your isa, would you invest it at the start of the year in April or say invest 5k every 3 months?

[@ryangrindey943]

I believe the difference would be in the cost's to hold that investment. The costs will change from broker to broker so vanguard has very low costs

[@rosennedev3678]

what is wrong with all the passive index investors investing in 10 overlapping index funds.

[@Crooked_Gnome]

Hey, you mentioned that you put £300 every month... is it possible to put maybe £100 per month into your vanguard account and accumulate it until your ready to buy a specific fund?

[@herpennypotential40]

Hey! Yes of course, you can leave as much or little cash in your vanguard as you like, just note that it won't be getting any returns unless invested into a fund.

[@19grand]

I've 2k in my vanguard portfolio. I'm down 6%. Lifestrategy Fund & Asia Pacific ex-Japan. Holding them for the long term though.

[@herpennypotential40]

Great to hear!

[@scottstewart3123]

Fantastic Concise clear Video, I'm very new to investing - I wish this video was at hand at the start of the year 😂 I myself too have invested in the Lifetime strategy 80% And wanted to add some ETFs to this but was unclear how/if fractional shares in ETFs worked - you've explained it much easier than Vangaurd did when I contacted them regarding the same issue. Keep up the awesome Work it's great (and reassuring) to see someone with a lower priced portfolio (no offence meant at all) that us newbies can relate to. You've got yourself a new subscriber 👍🏻😊

[@herpennypotential40]

Oh really! Great to hear thanks for watching:)

[@davefalls6703]

Excellent video,very well done. I switched my account from long time investment firm Morgan Stanley ( the charges were extremely high) to Vanguard in December 2021. So Vanguard is still something even I am getting used to. Hope to keep in touch so that may e we could bounce some ideas back and forth to make some real cash.

[@herpennypotential40]

Thanks for sharing!

[@craigrobertsonmsc.6260]

Thanks, great information.

[@herpennypotential40]

Glad it was helpful!

[@andreamiranda3275]

Mine went from 25 to 0.2%. I have 8 different funds and I am hoping that it will be fine in the long term.

[@herpennypotential40]

For sure thanks for watching!

[@george6977]

I prefer to adjust my asset allocation by buying whatever seems good value, like grocery shopping. So I am overweight Japan as it is historically cheap. US stocks, bonds and housing seem to be in a bubble. Morningstar and Vanguard’s 10 year outlook suggest poor US returns from current valuations. I’m awaiting reviews of Starlight’s trading platform. I think that’s what it’s called. If US equities fall to reasonable valuations I shall buy some quality growth stocks. Meanwhile I put some money into a China ETF. India seems overvalued so I didn’t buy a generalist emerging market fund.

[@musheopeaus4125]

I'm subscribing

[@hc8442]

Just a message of advise for new UK investors. If you're between 18-39 years old and haven't already- open up a lifetime ISA instead of a stocks and shares ISA. You get 25% ( up to 4k) from the government per year (e.g. you put in 4,000 over 12 months) and the government will add 1,000. That means without doing anything, you're already 25% up each year which smashes any index fund on vanguard. Plus you can then take the total 5,000 and put it into index funds/stocks. So you're already 25% up and you can get the additional growth from an index fund....

[@Makavelii-yf3sg]

Who can you do this with ?

[@hc8442]

@@Makavelii-yf3sg Just google lifetime isa :)

[@Makavelii-yf3sg]

@@hc8442 I think if you withdraw you get a penalty from the gov and you can only withdraw when you retire or buy a home ? Is that the same one ? Cheers

[@Mary-rf9tv]

@@Makavelii-yf3sg you are right, he definitely doesn’t know what he/she is talking about. Who wouldn’t do it if it’s that easy. You get penalised 25% which turns out to be more than the money the government contributed in actual terms.

[@hc8442]

@@Mary-rf9tv I think the question you need to ask is why do the majority of people invest? I'd argue that a significant proportion do it to: a) build up additional retirement funds b) build up a house deposit (especially young investors). This was the reason I was recommending it. Correct, you do pay a penalty if you withdraw it early but it's a great scheme if you're invested for the long term. So don't worry mary, I do know what I'm talking about :)

[@beerbrewer7372]

My two -cents- pence is if you're young (as this women clearly is) and you are investing for the long term be 100% or thereabouts a stock index funds (VOO as an example) is a great choice. Remember: Short term volatility. Long term growth. Hell I'm only a mechanic what do I know?

[@herpennypotential40]

Great point thanks for flagging!

[@ap5017]

Don't panic. Ride it out.

[@herpennypotential40]

for sure!

[@XsythX1]

I'm 35 hope I'm not to late .

[@jackmills4648]

Rough with the smooth. Dont keep looking for positive vids on youtube about stocks etc. Everything in life has its ups and downs

[@vegandinner1731]

Long term things wull be fine, but it's time to dust off that trading account and start shorting!

[@herpennypotential40]

100%!😁

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