- April 17, 2024
- Posted by: legaleseblogger
- Category: Related News
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Investment Decision for a 34-Year-Old HENRY
I am a 34-year-old HENRY (High Earner, Not Rich Yet) who is looking to maximize my investment potential by investing my full ISA allowance this week. In the past, I have invested in the Vanguard Lifestyle 100, a blended fund indexed toward the UK. However, I am now considering diversifying my portfolio by purchasing the Vanguard S&P 500 Accumulating fund to increase my exposure to US growth.
With the S&P 500 currently at all-time highs, I am unsure about the best approach to deploying my £20,000 investment. While conventional wisdom suggests that the best time to invest in the S&P is yesterday, I am hesitant to invest a lump sum this week without exploring other options.
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****** just grabbed a
If you’re using phrases like “all time high” you’re not knowledgable enough to be making judgment calls about which geographies you think will outperform.
You’re also currently invested in a fund which specifically underinvests in the US so that it can be overly exposed to the UK. Do you know this?
Get a global index and stop overthinking it.
Also how’s your pension looking?
Hi /u/Ok_Drink_7742, based on your post the following pages from our wiki may be relevant:
* https://ukpersonal.finance/index-funds/
* https://ukpersonal.finance/investing-101/
* https://ukpersonal.finance/lump-sum/
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^(These suggestions are based on keywords, if they missed the mark please report this comment.)
A tracker of a world index is probably more suitable than one tracking the S&P 500:
* Vanguard:
> The standard asset allocation approach, whether for a global allocation or for an allocation within a specific market, is to invest proportionally according to market capitalization. This method assumes that markets are efficient and that asset prices reflect all available information, investment positions, and expectations of the investing community.^[PDF](https://corporate.vanguard.com/content/dam/corp/research/pdf/Global-equity-investing-The-benefits-of-diversification-and-sizing-your-allocation-US-ISGGEB_042021_Online.pdf)
* https://ukpersonal.finance/index-funds/#What_about_the_S_P_500
* https://www.reddit.com/17s0r6e
* https://www.reddit.com/11qawnv
Watch Lars Kroijer’s [short video series](https://www.youtube.com/playlist?list=PLXy71rkGuCjXLg9N8zowwUpXCYfBcMJFK) and read his book or Tim Hale’s [*Smarter Investing*](https://www.amazon.co.uk/dp/1292444401).
[New “all-time highs” for the S&P 500 are fairly common. Since the 1950s, the index has posted over 1,200 new highs, averaging more than 17 new highs per year — more than one in every 20 trading days.](https://www.plantemoran.com/explore-our-thinking/insight/2024/02/how-common-are-all-time-highs-for-stocks)