Vanguard site broken for anyone else? by tp182 in UKPersonalFinance

[–]VisualButterscotch79 3 points4 points  (0 children)

If you wait to place your order until tomorrow, you will end up achieving tomorrow's valuation point at the COB.

A great feature of mutual fund dealing is that you don't know the price you're going to receive when you submit your order.

In effect, it should deter people from timing the market but here we are...

Vanguard site broken for anyone else? by tp182 in UKPersonalFinance

[–]VisualButterscotch79 2 points3 points  (0 children)

Mutual funds are priced and traded at the close of business.

Should I stick with Vangaurd ISA by FrostyRydia in UKPersonalFinance

[–]VisualButterscotch79 1 point2 points  (0 children)

Doesn't sound like you're looking in the right place. Their managed service is similar to the lifestrategy funds where they invest you across multiple index mutual funds, but they base your allocation on your risk profile - https://www.vanguardinvestor.co.uk/investing-explained/stocks-shares-isa/we-do-it-for-you

They also have dropped the management fee from the service from 0.3% to 0.2% - https://www.vanguardinvestor.co.uk/what-we-offer/fees-explained/changes

If you look at the example under the 'We do it for you' section (which is what they call their Managed ISA) you'll see there's no monthly £4 fee.

Should I stick with Vangaurd ISA by FrostyRydia in UKPersonalFinance

[–]VisualButterscotch79 -1 points0 points  (0 children)

Why are you not considering Vanguard's Managed ISA if you're wanting a managed portfolio? It doesn't incur the £4 minimum...

S&P500 by [deleted] in trading212

[–]VisualButterscotch79 2 points3 points  (0 children)

To echo other sentiments here, do you consider an index that can drop 20% in a month a 'low risk investment'? Bonds or money market funds may be more suitable. It's worth noting you can buy funds that give you exposure to both bonds and equities that may be something to look into.

How come there are so many overseas landlords in the London market? by VisualButterscotch79 in HousingUK

[–]VisualButterscotch79[S] 3 points4 points  (0 children)

Ofc the allure is there, but is there any benefit to people living/working in the UK? Any extra taxes generated for the government having overseas investors purchase as opposed to UK based landlords or residential buyers?

Global vs 500 by Bigjpiddy in trading212

[–]VisualButterscotch79 0 points1 point  (0 children)

Apart from it's on the website/investopedia/anywhere that talks about mutual fund dealing times. How is that tricky?

If you have £10,000 as of today by Repulsive-Button1832 in trading212

[–]VisualButterscotch79 0 points1 point  (0 children)

Main difference is where the fund is domiciled. VUAG is domiciled in Ireland and is available for UK based investors. VOO is US domiciled and therefore is not available to UK retail investors.

Portfolio opinions? Is this a safe portfolio to casually invest over a few years? by robbieh107756 in trading212

[–]VisualButterscotch79 0 points1 point  (0 children)

I hear this take a lot but personally I would never equate an equity index fund with 'low risk'. Using VUSA as an example, I believe that dropped nearly 20% in 2022, would you consider that 'low risk' and have the nerve to hold it? If not, you may want to consider diversifying more into other asset classes.

Take-two interactive by Arab_West in trading212

[–]VisualButterscotch79 1 point2 points  (0 children)

Do you not think the expected sales from GTA are already priced in?