My Investment Portfolio
Updated 31st July 2024
⚓ Allocation: 100% Vanguard FTSE Global All Cap Index Fund (Accumulation)
*Total Return: The return since I first started investing with Vanguard at the end of May 2018
Tap on any chart segment below to see details of my Vanguard Index Fund Portfolio
Regions (%)
Sectors (%)
Equities/Fixed Income (%)
Top 10 Stocks (%)
My Portfolio Returns (%)
Our Strategy
⏳ Focus on The Long Term - It doesn’t matter what the market does month-to-month or even year-to-year. We’re investing in the global stock market over the long term.
📈 Vanguard Stocks and Shares ISA - My husband and I both invest in Vanguard ISAs. An ISA allows us to contribute up to £20,000 each tax year. Any income, like dividends, or capital gains made in an ISA are tax-free.
📈 Vanguard Personal Pension (SIPP) - Since I’m self-employed, I invest in a Vanguard SIPP. A SIPP is just a pension that I’ve set up myself that allows me to get tax relief on my investments. Vanguard are rare in that they allow you to share the £375 ISA/SIPP fee cap between accounts.
📈 Damon’s Company Pension - Damon invests in his pension up to the full match. He puts in 7%, they put in 9%. We switched from the default investment so he’s now in a low cost, globally diversified index fund similar to the FTSE Global All Cap.
🏡 HL (LISA) - We both have Hargreaves Lansdown Lifetime ISAs which allow us to invest up to £4,000 each per tax year with a 25% government top-up. We used to have Cash LISAs for our first home deposit but now that we’re homeowners, we’re using a Stocks & Shares version to invest and supplement our retirement. We can withdraw from these, tax-free, at age 60.
The Money Trackers We Use
We use these to keep on top of your savings, investments, net worth and reward points. Step 1 in improving your finances is knowing what you have, where it is and how you spend.
