Vanguard v P2P

Hi invester . As Vanguard is by most measures the second largest investment management company in the world, I suspect quite a few of us use their products 

Its primary products are mutual funds and ETF's, typically used to track the world's stock markets in various shapes ways and sizes, so it's really an entirely different asset class to P2P (although there will be products that have some correlatation).

I'd say they're best known for low-cost passive index funds. As to why they might be good, take a look here for starts: monevator.com/index-investing/

Re: tax, Vanguard is the same as everyone else i.e. if you put their products in an ISA don't worry about it, if not then you need to factor in CGT/Dividend Tax if your investments are large enough.

Finally, you're probably better off posting stock market type things in this thread: p2pindependentforum.com/post/205877/thread    ...unless you're talking about some esoteric Vanguard P2P product that I'm not aware of.

Vanguard are best known in the UK for their low cost index funds & ETFs.  They've recently launched their own platform, which I think is what you're referring to in www.vanguard.co.uk, to allow you to hold Vanguard products direct with Vanguard.  Previously, the minimum direct investment in one of their funds was £100k.  Their platform charges a fee of 0.15% pa, this is equivalent to, say, HL although with Vanguard you can only hold Vanguard products.

In terms of taxation, be careful of accumulation funds because tax is still due on reinvesting dividends as well as CGT.  You'll need to utilise your CGT by crystallising those gains (or losses!), see here, for example.

As always, please do your own research and just be careful of vested interests.  e.g. be mindful of platforms that push high cost active funds in their literature despite a large proportion of money flowing into passive investment vehicles.

While costs are important & even more so with trackers its also worth looking at say the performance charts on Citywire as some of the Vanguard lifestrategy range are not doing that great over time but as first to market this type of fund in someways,they cornered the market.But there are similar products such as Blackrock consensus, L & G multi index and an HSBC range that don't cost much more if using a fund platform & in some cases are doing better

True that is why i mentioned the Lifestrategy funds as they seem to get mentioned a lot as trackers  where like the others mentioned they are multi asset low cost bundles of trackers but with some minor management involved which is why Citywire etc show them in charts against managed funds.Would also say the higher up the % range you go they are overweight the US market

On my to do list for the weekend is to review my weightings in shares, funds etc. I've cash in both VLS and multi index funds, partially for diversification but also for different timelines. I hadn't actually done a recent comparison of their growth so something else for the to do list.

I know from my own experience that HL are willing to reduce their fee below 0.45% for investments below 250k if you tell them you are thinking of moving to a cheaper platform.