Hi there, upon reading the new edition of Millionaire Expat I have been questioning my investing portfolio.
I currently have a portfolio of 80% stocks, 20% bonds as I'm a 29 year old British expat investor and want to be more aggressive.
The question I'm faced with now, do I move all of my money from my 4 fund portfolio of VWRL FTSE Global market, VUSD S&P500 and my two UK/US gov backed bond ETFs and place all in the VNGD80 Life strategy fund that is 80% stocks and 20% bonds but is actively managed by Vanguard and they will rebalance to maintain a consistent allocation and will to save me the time/money in the long run and has a good expense ratio of only 0.25%.
My thought process is better have the experts do it than myself as I might buy at the wrong times, or sell low instead of selling high when rebalancing once or twice a year.
Can anyone advise which is better (I'm aware the VNGD80 allocation of assets is mainly global market, developing market and US market which is similar to mine with the VWRL and VUSD), but will the VNGD80 have any major differences compared to my current portfolio that is spread between USD and GBP because VNDG80 is listed on the Italian stock exchange and listed in EUR? And ultimately I wanted to reduce currency risk by holding investments in both USD and GBP, especially GBP for when I most likely eventually move back to live in the UK.
Please if anyone can share some advice that would be greatly appreciated![:D]( "Very Happy")
I currently have a portfolio of 80% stocks, 20% bonds as I'm a 29 year old British expat investor and want to be more aggressive.
The question I'm faced with now, do I move all of my money from my 4 fund portfolio of VWRL FTSE Global market, VUSD S&P500 and my two UK/US gov backed bond ETFs and place all in the VNGD80 Life strategy fund that is 80% stocks and 20% bonds but is actively managed by Vanguard and they will rebalance to maintain a consistent allocation and will to save me the time/money in the long run and has a good expense ratio of only 0.25%.
My thought process is better have the experts do it than myself as I might buy at the wrong times, or sell low instead of selling high when rebalancing once or twice a year.
Can anyone advise which is better (I'm aware the VNGD80 allocation of assets is mainly global market, developing market and US market which is similar to mine with the VWRL and VUSD), but will the VNGD80 have any major differences compared to my current portfolio that is spread between USD and GBP because VNDG80 is listed on the Italian stock exchange and listed in EUR? And ultimately I wanted to reduce currency risk by holding investments in both USD and GBP, especially GBP for when I most likely eventually move back to live in the UK.
Please if anyone can share some advice that would be greatly appreciated
Statistics: Posted by aproctor05 — Wed Dec 11, 2024 9:30 am — Replies 0 — Views 24