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lifestrategy v multi index
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Aminatidi
Posted: 11 November 2023 09:14:30(UTC)
#31

Joined: 29/01/2018(UTC)
Posts: 5,865
lenahan;285749 wrote:
I think a collection of these big investment firm multi asset funds can be a fine choice for both many accumulators and for many drawing down in retirement. With a slug of cash, cheap fees and a sensible withdrawal rate of 3.5% ish they should suit plenty of retirements. I will be using a number of them for my Mum's drawdown part starting imminently.


It's where I've ended up.

0.17-0.22% in fees at the bottom end is peanuts and I've not seen too much to persuade me that they won't be there or there about v some much more expensive alternatives.
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xxd09
Posted: 11 November 2023 09:44:24(UTC)
#32

Joined: 23/01/2012(UTC)
Posts: 1,203
lenahan-Sounds a good plan for any amateur investor-as well as Mum!
I reduced my chosen funds to one only as I aged for simplicity’s sake and ease of management-spouse and executors
xxd09
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Peanuts
Posted: 11 November 2023 09:46:28(UTC)
#33

Joined: 16/02/2019(UTC)
Posts: 1,476
I've recently been buying LS20 because 1/ I wanted some longer bond exposure because I was currently too heavy in equities and money market funds (short-term exposure to yields). And 2/ Now I'm starting to slowly understand the basics of bonds, the Lifestrategy range do a great job (IMO) of giving a mix of different types of bond funds and save the hassle of trying to decide for yourself which is best and which isn't. Just buy the decent mix that LS package together.
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Cm258
Posted: 11 November 2023 09:51:56(UTC)
#34

Joined: 30/07/2022(UTC)
Posts: 458
I can see the appeal of diversifying across a few of these multi asset funds. For example, if you had a big portfolio, would splitting equally three ways between Vanguard LifeStrategy, L&G Multi-Index and HSBC Global Strategy really be too terrible... Sure one will be the worst performer of the three, but that compared to other most costlier alternatives would probably still put you out on top.
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mdss68
Posted: 11 November 2023 10:16:01(UTC)
#35

Joined: 20/09/2018(UTC)
Posts: 1,975

Thanks: 3381 times
Was thanked: 4151 time(s) in 1536 post(s)
I'd love to hear how this conversation would be going now if you'd all bought LS20 in Jan '22?

Now altogether now ---- "We can't time markets" ;-)

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2 users thanked mdss68 for this post.
Isaac J on 11/11/2023(UTC), Aminatidi on 11/11/2023(UTC)
Peanuts
Posted: 11 November 2023 11:06:13(UTC)
#37

Joined: 16/02/2019(UTC)
Posts: 1,476
mdss68;285771 wrote:
I'd love to hear how this conversation would be going now if you'd all bought LS20 in Jan '22?

Now altogether now ---- "We can't time markets" ;-)



Well luckily I had zero exposure or interest in LS20 in Jan22!

How times change lol

BTFD
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Thrugelmir
Posted: 11 November 2023 13:08:52(UTC)
#36

Joined: 01/06/2012(UTC)
Posts: 5,317
mdss68;285771 wrote:
I'd love to hear how this conversation would be going now if you'd all bought LS20 in Jan '22?

Now altogether now ---- "We can't time markets" ;-)



Compounded by the fact that this current QT era has no historical precedence with which to aid navigation. Going to throw all manner of curved balls at investors.
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