u/KaleidoscopeEntire38

▲ 1 r/UKPersonalFinance+1 crossposts

Vanguard Investment Portfolio Advice and future diversification

TIA for your help!!

I have been investing in Vanguard S&S ISA for like 3 years so still new to the game so be nice :))

I am in the age group 18-25 so looking for consistent investment practices, for long term goals

Current breakdown:

  • 52% - VUKG
  • 48% - VUAG

Personal rate of return = 34.62%

I currently do direct debit of £262 ( I know, abstract amount lol )

My questions are

  1. How do I monitor the changing share price value - (previous direct debit amounts meant that units were not actually being bought as the share price changed)
  2. If there isn't a way to automatically adjust the amount, how often is it suggested that I check the share price of each ETF
  3. I feel like my personal rate of return is pretty good but want to diversify my portfolio and have better weightings - preferably VUAG being the highest weighting - any advice on my current split?
  4. I have been researching Global Cap and VWRP, if I introduce this, what is a suggested breakdown of my investments with £250 direct debit? Or would I need to increase my monthly contribution
  5. I currently have a self managed account which has the monthly costs - which factors should I consider if I choose to opt for a managed fund?
  6. I have T212 cash ISA, is it worth opening S&S ISA then decreasing monthly vanguard ISA amount and investing in a pie on T212?

Any helpful tips will be amazing!!

reddit.com