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Natwest Investment Fund ISA
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alchemistkevin wrote: »longer term investment
with this volatility I'm not sure I'll be around to reap the rewards - i'm going to have some very violent panic attacks 
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A bit of a break I know as I've tried burying my head in the sand hoping everything will be all right. It is an RBS managed fund that I have; is this a good thing then considering the present climate?Be aware that Natwest have recently switched to using RBS managed funds, and are running down their old ISA funds. They're not communicating this to customers though. Call your Natwest investment advisor and ask him about switching to the new funds - they waive the initial charges, and there are better options...0 -
It's up to you. Its a risk based investment and when you invest you look at potential. For the long term, the potential looks very good given the low prices. In the short term it will remain volatile (which for monthly payments isnt a bad thing). If you do increase then perhaps use a different sector to make sure you diversify.
So when you diversify should you go for location, location/sector or just sector? For instance my investments have 18% in USA (lol) and hardly anything (couple of %) in Europe, so should I go for sectors in Europe which my current investments aren't in, for diversity?0 -
So when you diversify should you go for location, location/sector or just sector? For instance my investments have 18% in USA (lol) and hardly anything (couple of %) in Europe, so should I go for sectors in Europe which my current investments aren't in, for diversity?
If you are using funds then you should go with sector allocation (shares would be asset allocation - type of industry).
The major sectors are:
Cash
Fixed interest
International fixed interest
property
UK equity
Europe
US
Far East
Japan
Emerging Markets
Specialist.
Within those you can fine tune and diversify further. For example specialist could be Blackrock gold and general or Jupiter Financial options. Both very different funds but within the same sector. UK Equity could be equity income, value, small cap, large cap etc.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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