Hi there,
I have recently begun to put money into these two funds:
https://www.vanguardinvestor.co.uk/investments/vanguard-s-and-p-500-ucits-etf-usd-distributing
https://www.vanguardinvestor.co.uk/investments/vanguard-target-retirement-2065-fund-accumulation-shares
With the Target Retirement Fund, I know they’ll move the stocks to bonds as I get older. I chose to be more aggressive and add 70 to my birth year. Our UK target-date funds have 0.24% fees and are also actively managed. Does anyone have any advice or guidance on which fund would be a better option for UK investors? I do want to maximise the potential so was worried about the fees and it being actively managed may affect it negatively.
Also with the S&P 500, would you just leave the funds in there to go up and down during the years and then take the recommended 3-4% out when you’re ready to live off of the money? This money doesn’t need to be moved to bonds right?
Thank you!
Yasmin