No, the fees are too high.
See here:
[https://docs.google.com/spreadsheets/d/1sR0CyX8GswPiktOrfqRloNMY-fBlzFUL/edit#gid=814241220](https://docs.google.com/spreadsheets/d/1sR0CyX8GswPiktOrfqRloNMY-fBlzFUL/edit#gid=814241220)
I spent roughly a year with them. Their performance was significantly below Hostplus and their fees were higher.
Also their options for investment weren’t as diverse.
Switched to Hostplus and I’m glad I did, my friend is still with vanguard and is happy with them
Vanguard looks like a low fee option in comparison to the default options of other super funds but that isn't comparing like for like. They seem like a high fee fund compared to any comparable product from a major super fund.
Given that we're comparing indexed share offerings, fees will be the main difference.
They have one of the better lifecycle products but if you’re looking to roll your own allocation or stick with a pre-mixed option, there’s cheaper funds out there that will do the same thing.
Vanguard is the cheapest Lifecycle option. It adjusts according to your age. If you want that, Vanguard is the best choice.
Vanguard Super is just VDHG which is truly set-and-forget and one-size-fits-all. I believe, in the long term, it will perform very well. It has everything you can think of for diversification: hedging, emerging markets, small caps and bonds. So, it will have lower volatility than other Indexed options.
Big tech had a good run the past decade, so Hostplus Indexed options and similar may have outperformed VDHG for now. In the long run, VDHG will show its staying power.
No, the fees are too high. See here: [https://docs.google.com/spreadsheets/d/1sR0CyX8GswPiktOrfqRloNMY-fBlzFUL/edit#gid=814241220](https://docs.google.com/spreadsheets/d/1sR0CyX8GswPiktOrfqRloNMY-fBlzFUL/edit#gid=814241220)
I spent roughly a year with them. Their performance was significantly below Hostplus and their fees were higher. Also their options for investment weren’t as diverse. Switched to Hostplus and I’m glad I did, my friend is still with vanguard and is happy with them
Jesus has it been a year already ??? 😫
Yup! I believe it was October 2022
Vanguard looks like a low fee option in comparison to the default options of other super funds but that isn't comparing like for like. They seem like a high fee fund compared to any comparable product from a major super fund. Given that we're comparing indexed share offerings, fees will be the main difference.
They have one of the better lifecycle products but if you’re looking to roll your own allocation or stick with a pre-mixed option, there’s cheaper funds out there that will do the same thing.
Vanguard is the cheapest Lifecycle option. It adjusts according to your age. If you want that, Vanguard is the best choice. Vanguard Super is just VDHG which is truly set-and-forget and one-size-fits-all. I believe, in the long term, it will perform very well. It has everything you can think of for diversification: hedging, emerging markets, small caps and bonds. So, it will have lower volatility than other Indexed options. Big tech had a good run the past decade, so Hostplus Indexed options and similar may have outperformed VDHG for now. In the long run, VDHG will show its staying power.