u/I-live-in-room-101

Morning reddit, I'll preface but saying all of my 'investing' is done via my pension, I'm 100% 'hands off' and just leave it to do its thing. If I have surplus money, I throw it at overpaying my mortgage with it.

My partner doesn't have a mortgage has more money in ISA accounts. Traditionally shes been reviewing and moving stuff once a year for the best fixed rate cash ISA deals, but this week decided she absolutely needs to be in a Stocks ISA for better % returns (it is long term investing for retirement, she'll not need the money within the next 15+ years). I suggested her bank probably has off the shelf products to investigate..

Well apparently she's signed up with T212 and instructed an ISA transfer into a Stocks ISA. This morning she seems really nervous and unsure about it all and is asking me for advice. By her own admission she doesn't really know much about it, but apparently her googling had suggested "the bank's S&S ISA charges too much", "T212 is a great platform due to low fees" and "Vanguard ETFs" are a good thing, and she's clicked on a "pie for aggressive growth".

She sent a screenshot of the the Pie holdings. There is no actual money there yet as I guess her existing ISA provider hasn't transferred the monies.

The question is simply; is whats she's a done a decent enough 'set and forget' Stocks ISA she can check in once a year, or has she got into something not for beginners and is better getting out ASAP and just investing via a retail bank S&S ISA instead?

VANGUARD FTSE NORTH AMERICA UCITS ETF 58.26%

VANGUARD FTSE DEVELOPED EUROPE UCITS ETF 13.16%

VANGUARD GLOBAL AGGREGATE BOND UCITS ETF 10.0%

VANGUARD FTSE EMERGING MARKETS UCITS ETF 9.26%

VANGUARD FTSE JAPAN UCITS ETF 5.3%

VANGUARD FTSE DEVELOPED ASIA PACIFIC EX JAPAN UCITS ETF 4.01%