Using a core range of Vanguard funds, it’s possible to achieve a huge amount of diversification for your investments. You can invest at a risk-reward level that’s appropriate for your needs by adjusting the proportion of your money invested in company shares and bonds.
Using Vanguard funds, Moneycube can provide ready-made portfolios to help our customers put together a balanced mix of index funds.
We’ve set out below some typical portfolios using Vanguard funds below.
| Portfolio | 60:40 | 80:20 | All equity |
| Vanguard U.S. 500 stock index fund | 34% | 47% | 58% |
| Vanguard European stock index fund | 13% | 17% | 21% |
| Vanguard Japan stock index fund | 5% | 6% | 8% |
| Vanguard Emerging markets stock index fund | 8% | 10% | 11% |
| Total equity | 60% | 80% | 98% |
| Vanguard Global bond index fund | 27% | 13% | 0% |
| Vanguard Global short-term bond index fund | 11% | 5% | 0% |
| Cash | 2% | 2% | 2% |
| Total bonds and cash | 40% | 20% | 2% |
| Total | 100% | 100% | 100% |
Index funds make a simple promise: to follow the performance of the markets. Nothing more.
So it’s no surprise that the ready-made portfolios have done pretty much what the markets have done over the last few years.
On a three-year view, the annualised return ranges from 7.1% to 11.6%, as the chart below shows.
Notes: Back-tested data to 31 October 2019. Returns are net of fund management fee (OCF), but do not include Moneycube/ platform fees (0.9% per year)
Ready-made portfolios of index funds might suit you if:
Fund switches are easy when you invest in a Vanguard portfolio using Moneycube. You can rebalance, or switch among Vanguard investment funds, with no dealing costs, and no tax charges.
One of the great advantages of index funds is that they don’t require all the expensive humans that actively managed funds can’t do without.
That drives down the overall cost to you, the investor. And that has a direct impact on the investment growth you can enjoy.
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Warning:
Past performance is not a reliable guide to future performance. The value of your investments can go down as well as up and you may lose some or all of the money you invest. Investments denominated in a currency other than your base currency may be affected by changes in currency exchange rates.
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