Hariseldon58 wrote:I must admit I quite like the new layout.
Depending on whether you are using a phone or a computer the layout is now effectively a set of tiles showing each fund. Click on full fund details for the one you are interested in, it shows a drop down showing “Overview” click and select from Distributions to see the yield, Portfolio Details is my usual choice to see the companies in an index, the spread of industries , the p/e etc
Nothing wrong with Vanguard, their products or their ISA
I would consider whether chopping and changing your portfolio on a regular basis is a good idea ?
Yes you can do it cheaply but it doesn’t help as an investor to do so, trading is a difficult game and very unlikely to be profitable. I understand the desire to try and respond to events, I have done so over the last 30 odd years I have been investing and I have made some good , profitable strategic changes but also I have made errors, things haven’t turned out as I had hoped. On balance doing nothing and keeping costs very low would have done just fine !
There is a lot to be said for regular investing , month in, month out, keeping your portfolio diversified as widely as possible and doing nothing. If your investing for the long term then a strong equity bias is likely to be helpful.
OK, so the new layout has received mixed reviews. My request to Vanguard was simply that they added an option to switch between views.
Regarding 'tinkering', you are correct IMHO. But I started as an absolute beginner. Initially I just had LifeStrategy, then I started region picking (stamp collecting). Now I have evolved back towards a fairly simple portfolio - Dev World ex-UK as core, a bit of EM separately - this is cheaper than a truly global fund and allows me to control the percentage. Some small cap, again separate to core as cheaper than All Cap and allows control. Plus a bit of FTSE250 and UK Income fund, because they look really cheap and maybe a bit defensive, and I cannot resist a bit of value
![Wink ;)](./images/smilies/icon_e_wink.gif)
(hence ex-UK for the core global fund) Finally a bit of Global income to slightly dilute the tech weighting - I want a good lump of US tech, but the global fund is very heavily weighted to this. Going forward, I'll just add to these to reach my current target weights, and adjust these wights as and when my take on the outlook changes. This 'learning process' would have cost a fortune on most platforms (in percentage terms) plus on Vanguard I can split my monthly and lump sum contributions if I wish, at zero cost. For a small value portfolio for someone happy with VGs range of options, it is ridiculously cheap.
Maybe now I have (hopefully) settled on what passes for a strategy, the new layout won't bother me as I'll be a bit more mechanical. Or better still, they'll add the option to switch views so everyone would be happy.
Thanks to all for the replies.