{"id":69519,"date":"2025-02-05T11:29:00","date_gmt":"2025-02-05T11:29:00","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/investengine-lifeplan-portfolio-review-monevator\/"},"modified":"2025-02-05T11:29:00","modified_gmt":"2025-02-05T11:29:00","slug":"investengine-lifeplan-portfolio-review-monevator","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=69519","title":{"rendered":"InvestEngine Lifeplan portfolio review – Monevator"},"content":{"rendered":"


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Disclosure: Links to platforms may be affiliate links, where we may earn a small commission. Your capital is at risk when you invest. This article is not personal financial advice. Please do more research before deciding whether an InvestEngine Lifeplan portfolio is right for you.<\/sup><\/p>\n

D<\/span>o you fancy the idea of buying an entire portfolio at the click of a button? Do you like the pre-packaged, multi-asset convenience of Vanguard\u2019s LifeStrategy<\/a> funds? Do you wish someone would do that for ETFs, only without the UK equity bias?<\/p>\n

Well, they have!<\/p>\n

Enter the LifePlan portfolios<\/a> from UK investment platform InvestEngine<\/a>.<\/p>\n

InvestEngine is known for its zero-fee broker services for DIY investors.<\/p>\n

The LifePlan portfolios are not zero-fee but they are nicely-priced for small investors. They also feature several noteworthy points-of-difference versus their LifeStrategy rivals.<\/p>\n

The headline: there\u2019s much to like about the LifePlans.<\/p>\n

With that said, there is a lurking cost issue for large investors that must be aired. We\u2019ll deal with that in the costs section below.<\/p>\n

What are the LifePlan portfolios?<\/h2>\n

LifePlan portfolios are like InvestEngine-managed ETF meal deals.<\/p>\n

They\u2019re readymade ETF portfolios you can buy off-the-shelf, one and done. As opposed to agonising about how much to allocate to Emerging Markets, or spending your nights sweating over your precise percentage of inflation-linked bonds. (Who even does that? Not me. Definitely not. Oh no<\/a>.)<\/p>\n

This type of multi-asset, \u2018life is too short\u2019 strategy is incredibly popular among those investors who are happy to exchange a measure of control for convenience.<\/p>\n

Choice cuts<\/h4>\n

Instead of filtering through hundreds or thousands of funds, your choice with LifePlan immediately narrows down to picking one of six portfolios.<\/p>\n

Each portfolio contains anywhere from 11 to 15 ETFs \u2013 with trading and rebalancing handled for you.<\/p>\n

You only need to pick your strategic equity\/bond allocation:<\/p>\n\n\n\n\n\n\n\n\n
Portfolio name<\/td>\nEquity allocation<\/td>\nBond allocation<\/td>\n<\/tr>\n
LifePlan 20<\/td>\n20%<\/td>\n80%<\/td>\n<\/tr>\n
LifePlan 40<\/td>\n40%<\/td>\n60%<\/td>\n<\/tr>\n
LifePlan 60<\/td>\n60%<\/td>\n40%<\/td>\n<\/tr>\n
LifePlan 80<\/td>\n80%<\/td>\n20%<\/td>\n<\/tr>\n
LifePlan 100<\/td>\n100%<\/td>\n0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

LifePlan 100 is so-named because it\u2019s 100% invested in equities. That\u2019s ideal for young bucks with little to lose and the nerves of a mountain goat.<\/p>\n

At the other end of the spectrum is LifePlan 20. No prizes for guessing it\u2019s 20% equities while the other 80% is in Dogecoin<\/del>\u00a0low-risk bonds.<\/p>\n

Stability is the watchword of the LifePlan 20 portfolio. Its owners want all the excitement of a Sudoku book. That\u2019s because they\u2019re either risk-averse or wealth-preservers who\u2019ve already won the game.<\/p>\n

Sitting in the middle is the 60\/40 portfolio \u2013 the default choice for passive investors the world over.<\/p>\n

Are multi-asset investments a good idea?<\/h2>\n

Absolutely. Multi-asset investments<\/a> are an excellent idea for anyone who wants to put their money to work, but doesn\u2019t want to be hands-on.<\/p>\n

Contrary to popular opinion and the messages we\u2019re assailed by online, investing success does not depend on micromanaging \u2018secret\u2019 stocks, cryptocurrencies, or currency trading techniques.<\/p>\n

Rather than such punting, you\u2019re far better off doing a few very basic and boring things:<\/p>\n