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Reasonable Portfolio?
simonhgreen
Posts: 105 Forumite
Hi guys
I know official advice isn't permitted, etc, but I was just wondering if people thought what I am considering is reasonable or if I'm way off.
I am in the fortunate position of being able to invest monthly and wanted to build up an investment portfolio over the next 15 years (at least).
I am lucky to be in a FS pension but want to establish a portfolio to build up a war chest in case they start jacking up the retirement age when I near it. I don't want to have a brilliant pension that I can't access.
I already have a few quid in Fidelity SS (I've only started investing in the last 9 months) & am aware of the fund splitting thing but I will stick with it as Bolton is still going to be involved & it's not in their interest to neglect it.
I've done a bit of research (talk about disappearing up your own nether regions in confusion) and am thinking of investing in the following funds:
Invesco Perpetual Income
Artemis Income
Artemis Global Growth
Artemis European Growth
I use Hargreaves Landsdown, who seem fairly on the ball.
I'd be interested in people's opinions (particularly people in the trade) as to whether I'm on the right track, as I am aware I seem to be quite Artemis-heavy!
Any comments would be gratefully received.
Cheers
I know official advice isn't permitted, etc, but I was just wondering if people thought what I am considering is reasonable or if I'm way off.
I am in the fortunate position of being able to invest monthly and wanted to build up an investment portfolio over the next 15 years (at least).
I am lucky to be in a FS pension but want to establish a portfolio to build up a war chest in case they start jacking up the retirement age when I near it. I don't want to have a brilliant pension that I can't access.
I already have a few quid in Fidelity SS (I've only started investing in the last 9 months) & am aware of the fund splitting thing but I will stick with it as Bolton is still going to be involved & it's not in their interest to neglect it.
I've done a bit of research (talk about disappearing up your own nether regions in confusion) and am thinking of investing in the following funds:
Invesco Perpetual Income
Artemis Income
Artemis Global Growth
Artemis European Growth
I use Hargreaves Landsdown, who seem fairly on the ball.
I'd be interested in people's opinions (particularly people in the trade) as to whether I'm on the right track, as I am aware I seem to be quite Artemis-heavy!
Any comments would be gratefully received.
Cheers
0
Comments
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Advice isn't permitted here. Why not get an IFA? (S)he could give you advice (at a price).
Do you want to make people green with envysimonhgreen wrote:I am lucky to be in a FS pension
?
But seriously.
Your research looks way ahead of the average Jo(sephine) to me. Good luck
.
Artemis continues to be rated as a good "stable" by most commentators.
Regarding Perpetual Income, I have an investment dating back to 1995, so I'm biased :T :A . They've been marvellous, although past performance is no guide to future success.0 -
Thanks Report Investor.
I guess I'm after reassurance rather than advice!
The other thing in the back of my head is whether I'd be better off with trackers due to low charges.
I suppose you pays your money & takes your choice!0 -
Hi,
Looking at those funds, I see an awful lot of exposure to the UK and US, some to Western Europe but very little to the Far East, Eastern Europe or Brazil, Russia India and China ( BRIC ). No commodities, either, except for the Fidelity fund. I'm not saying that you need these things and certainly they are probably more volatile than what you have but they are worth considering. This is not advice!
HTH
Cheerfulcat0 -
by the way how do FS pensions differ from what were going to have in the future ?? thanks
i know invesco income is a top rated fund artemis are generally good but i dont know anything about them sorry
p.s if you would like to see a shares/investments forum good buddy simon please vote here http://forums.moneysavingexpert.com/showthread.html?t=153657 thanks0 -
I already have a few quid in Fidelity SS (I've only started investing in the last 9 months) & am aware of the fund splitting thing but I will stick with it as Bolton is still going to be involved & it's not in their interest to neglect it.
You need to treat Fid SS as a high risk fund now. If there is a run on it, you could lose a lot of money.I use Hargreaves Landsdown, who seem fairly on the ball.
There have been concerns about their service raised in recent posts.The other thing in the back of my head is whether I'd be better off with trackers due to low charges.
Yes, you can save 0.5% a year and sacrifice a potential 5-50% a year difference in returns. You cannot create a diversified portfolio with trackers. Trackers have also underperformed most comparable managed funds in the last 5 years. You are generally looking at medium high/high risk funds and you wont find a tracker in the sectors you have highlighted (euro possible but I havent checked).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 -
cheerfulcat wrote:Hi,
Looking at those funds, I see an awful lot of exposure to the UK and US, some to Western Europe but very little to the Far East, Eastern Europe or Brazil, Russia India and China ( BRIC ). No commodities, either, except for the Fidelity fund. I'm not saying that you need these things and certainly they are probably more volatile than what you have but they are worth considering. This is not advice!
HTH
Cheerfulcat
Would the companies that the funds I invest in support not have exposure to these markets?0 -
Quite possibly. However it will only give you indirect exposure, since that will only be a sort of side-effect and not the main aim of the funds.0
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Simon: I also concur on Invesco Perpetual Income, and on the income approach generally. And on Fid SS.dunstonh wrote:You need to treat Fid SS as a high risk fund now. If there is a run on it, you could lose a lot of money.
That's a rather odd suggestion. Fidelity SS has around 4bn quid under managment IIRC, but its main holdings are very large liquid shares with huge market caps.
Recent list of main shares
Why would you think there was a potential problem?
Trying to keep it simple...0 -
Interesting that the chief MSE supporter of these stocks (Deemy) admits to being only 11% invested in equities at the moment.cheerfulcat wrote:I see an awful lot of exposure to the UK and US, some to Western Europe but very little to the Far East, Eastern Europe or Brazil, Russia India and China ( BRIC ). No commodities, either
They have all had a hell of a good run.
Is it time to call time, like Deemy has?0 -
ReportInvestor wrote:Interesting that the chief MSE supporter of these stocks (Deemy) admits to being only 11% invested in equities at the moment.
They have all had a hell of a good run.
Is it time to call time, like Deemy has?
Where's the other 89% ??!!0
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