If you want to keep it as simple as JL Collins intended, go global. Our top pick is:
- Vanguard FTSE Global All Cap Index Fund (GBP Acc) – thousands of companies across developed and emerging markets, low cost, and no faffing about with multiple funds.
Why not just buy the US fund JL mentions (VTSAX)? Because you’re not American, and the world is bigger than one country. Global diversification wins.

What about combining this with a UK gilt fund to give a little protection against market crash more nearing retirement?