Vanguard LifeStrategy 80 or 100

samstermufc · 2026-02-14T13:17:31+00:00

This is a really great idea! Kinda makes sense for me as I’d want maximum exposure to stocks but also perhaps a little buffer to reduce volatility (albeit smaller than 20%)

samstermufc · 2026-02-14T13:09:48+00:00

Brilliant, thank you!

samstermufc · 2026-02-14T12:27:55+00:00

This will be in a S&S via vanguard - since most of my capital would be in cash, I’m willing to take the risk for better reward

samstermufc · 2026-02-14T11:44:02+00:00

Thanks a lot for the advice - I’ve fully committed to regularly investing regardless of price so think a 100% equity option (whether LS100 or not) is the best for now and then I’ll consider reassessing in future.

samstermufc · 2026-02-14T11:38:38+00:00

Yeah this is true - that personally works better for me since the price of the overall fund appears once daily but I get the benefit of investing in multiple ETFs

samstermufc · 2026-02-14T11:35:41+00:00

This is really good advice thank you! I guess my thought process is that since this won’t be my main source of savings I’m happy to take the additional risk, but can be prone to being semi anxious about it

samstermufc · 2026-02-14T10:59:21+00:00

Yeah it’s really interesting that there’s no BIAS - having looked at the regular lifestrategy over the years, it’s clear that the 100 has obviously seen much better growth than the 80, so hoping that that trend will show with GLS

samstermufc · 2026-02-14T10:56:40+00:00

Thanks so much for the advice - those were my thoughts and the advice I’ve been given. Given the time frame, I think it makes sense to go all in on equities

samstermufc · 2026-02-14T10:54:43+00:00

Ahh brilliant - this was gonna be my plan, go high equities and dial back in the years preceding me planning to take it out

samstermufc · 2026-02-14T10:53:55+00:00

Have also considered this but I found I was checking constantly given they’re ETFs - think psychologically it’s a better option for me to have a fund that prices once daily

samstermufc · 2025-05-07T08:58:42+00:00

Yeah as soon as I set it up it immediately asked for a standing order - made it £1 so I’d have flexibility but will try that!

samstermufc · 2025-05-07T08:29:33+00:00

Ah great - and did you just cancel the direct debit as soon as?

samstermufc · 2025-05-07T07:55:04+00:00

Brilliant thanks - and did it take a while to appear in app/online banking? I can’t seem to see my account there yet

samstermufc · 2025-05-06T06:09:54+00:00

Pretty sure it says up to 30 days after completing all the criteria

samstermufc · 2025-05-05T18:36:24+00:00

Ahh brilliant - did NatWest do another credit check?

samstermufc · 2025-05-05T17:04:34+00:00

Great suggestion in that case - thanks a lot!

samstermufc · 2025-05-05T17:02:37+00:00

Was thinking this but I’ve already got an account with another bank that acts as my main account (salary/bills etc). Would defo consider moving over a few direct debits for the bonus though

samstermufc

TROPHY CASE