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set and forget
That's usually a good strategy.
Your vanguard fund is diversified in Equities terms. Risk is if (when) the stock market goes down, have you got enough time for it to come back up before you need your money?
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I wouldn't put anything in S&S until you've got the house deposit and emergency fund squared away personally. You also might want a bigger emergency fund once you have a mortgage to pay.
Otherwise nothing wrong with bunging money into LS100, except some people say it's too UK-weighted I think
frank9755
frankenbike
@cmburns
All this talk has made me wonder if I'm putting too much/little into my Vanguard LS 100 - been putting in about £300 monthly since 2021, with the intention of it being used later on in life, say 20+ years time. Just sort of set and forget with it, to be honest. Worth diversifying?
Will never come close to maxing out £20k as far as ISA's are concerned - £4k goes in the Lifetime ISA and then just below that with the S&S ISA at Vanguard. Only financial goal at this time is to get on the property ladder at some point this year or next and get my emergency fund to 3 months of salary which will take an age due to how little I put in a month...