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Diverse portfolio suggestions for 35 year old
Comments
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And dont worry about dunstonh's quibbles, OP. He's never satisfied with anyone's positions. I'm convinced that if Warren Buffett posted on here, dunstonh would sit back, sigh contemptuously and say:
'Well, you've not had a very good year, have you? I told you you should have increased your exposure to gilt-edged pork bellies, you fool."0 -
And dont worry about dunstonh's quibbles
The OP asked a question. I gave my opinion and I will stick with it. For such a high risk portfolio it is lacking in key areas which actually offer greater potential than those currently held.
Investing is all about opinion. There is no best way of doing things. There are many bad ways though. In this case you can only look at the risk and spread and point out where there is lack of coverage.I'm convinced that if Warren Buffett posted on here, dunstonh would sit back, sigh contemptuously
I would actually question him on why he says investors should do one thing whilst he actually does something different with his own money.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 -
Ummmmmm . yes . . . ok. Right you are, as always.
(Are you this humourless in real life?)0 -
Ummmmmm . yes . . . ok. Right you are, as always.
(Are you this humourless in real life?)
I didnt spot a smiley in your post suggesting your were joking.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 -
Gilts have not been doing that great just recently afaik. Some say its the next bubble to pop
Warren makes mistakes like anyone else I bet, he was invested in irish banks because they looked good value? A good investor will admit their mistakes and not gamble with absolutes, hence the worth of diversifying
I dont know much about the best funds, I think the best link might be trustnet where they are ranked by performance0 -
My retirement portfolio is split across my pensions, ISA and taxable accounts. I don't yet have property exposure but will review it next year to evaluate it. Bearing that in mind my target allocation will be something like this:
24% UK Stocks- 8% Blend
- 8% Value
- 8% Small Companies
- 3% USA Blend
- 3% USA Small Companies
- 3% Euro Blend
- 3% Euro Small Companies
- 1.5% Japanese Blend
- 1.5% Japanese Small Companies
- 3% Pacific Blend
- 6% Emerging Markets
- 8% UK B&M
- 8% Global REITs
- 8% Commodity Futures
- 4% Resource Stocks
- 4% Precious Metals
[including: domestic corporate/sovereign, international corporate/sovereign, index-linked, absolute return]
I'm a bit of an asset class junkie but given the higher risks I need higher diversification. Probably I will add other asset classes in due course, e.g.: hedge funds, private equity and venture capital.0 -
How cloase are you to retirement (if you don't mind me asking)?My retirement portfolio is split across my pensions, ISA and taxable accounts. I don't yet have property exposure but will review it next year to evaluate it. Bearing that in mind my target allocation will be something like this:
24% UK Stocks- 8% Blend
- 8% Value
- 8% Small Companies
- 3% USA Blend
- 3% USA Small Companies
- 3% Euro Blend
- 3% Euro Small Companies
- 1.5% Japanese Blend
- 1.5% Japanese Small Companies
- 3% Pacific Blend
- 6% Emerging Markets
- 8% UK B&M
- 8% Global REITs
- 8% Commodity Futures
- 4% Resource Stocks
- 4% Precious Metals
[including: domestic corporate/sovereign, international corporate/sovereign, index-linked, absolute return]
I'm a bit of an asset class junkie but given the higher risks I need higher diversification. Probably I will add other asset classes in due course, e.g.: hedge funds, private equity and venture capital.0 -
mr_fishbulb wrote: »How cloase are you to retirement (if you don't mind me asking)?
Nearly 30 years but if the investing goes well I'll consider my options.;)0 -
sabretoothtigger wrote: »Gilts have not been doing that great just recently afaik. Some say its the next bubble to pop
Warren makes mistakes like anyone else I bet, he was invested in irish banks because they looked good value? A good investor will admit their mistakes and not gamble with absolutes,
losing money on a single investment decision doesn't imply a poor investment, and making money doesn't imply a good investment. Making good investment decisions isn't about measuring success by results on a one by one basis, but about getting it right over time.
Think of betting on a series of horse races, where your pick
a. is 10-1 and 80% of the time you lose.
b. is 10-1 on (ie 1-10) and 80% of the time you win
which is better ?
ego wise b is best, but financially a is. There is nothing wrong with making "mistakes" if they are made for the right reason0 -
My retirement portfolio is split across my pensions, ISA and taxable accounts. I don't yet have property exposure but will review it next year to evaluate it. Bearing that in mind my target allocation will be something like this:
24% UK Stocks- 8% Blend
- 8% Value
- 8% Small Companies
- 3% USA Blend
- 3% USA Small Companies
- 3% Euro Blend
- 3% Euro Small Companies
- 1.5% Japanese Blend
- 1.5% Japanese Small Companies
- 3% Pacific Blend
- 6% Emerging Markets
- 8% UK B&M
- 8% Global REITs
- 8% Commodity Futures
- 4% Resource Stocks
- 4% Precious Metals
[including: domestic corporate/sovereign, international corporate/sovereign, index-linked, absolute return]
I'm a bit of an asset class junkie but given the higher risks I need higher diversification. Probably I will add other asset classes in due course, e.g.: hedge funds, private equity and venture capital.
interesting split. seems cautiously avdenturous
1. which emerging countries are you favourable on?
2. are you keen on any particular economic sectors?
3. how much use of ETFs and ETCs do you make or buying stocks directly?"enough is a feast"...old Buddist proverb0
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