Piddling portfolio - rule of thumb - help please!

Nomad25

Is there a general rule of thumb/advice on what % split [x% isas/x% high interest savings/x% long term stocks and shares] to apply.

For ease of [my] understanding, say I was coming up to pensionable age, I had a 100K pot. Small pension + state pension would be forthcoming.

Is there a generally acknowledged low-medium risk split on how this money should be apportioned. I see such diversity from some of the 'wot's your portfolio.....' thread, or does that answer my question?

Thanks for any input.

dunstonh

No rule of thumb. It depends on your profile, tax position, immediate and future potential needs, experience and knowledge and what you choose to put into the portfolio and leave out.

Nomad25

Thanks dunston. My question was really bouncing off the wall - I know I will need to employ an IFA soon, but thought I could 'make intelligent noises' as my

experience and knowledge

:rotfl: [some hope]

are pretty negligable - and limited only to small financial stuff.

jon3001

Nomad25 wrote: »

Is there a general rule of thumb/advice on what % split [x% isas/x% high interest savings/x% long term stocks and shares] to apply.

For ease of [my] understanding, say I was coming up to pensionable age, I had a 100K pot. Small pension + state pension would be forthcoming.

Is there a generally acknowledged low-medium risk split on how this money should be apportioned. I see such diversity from some of the 'wot's your portfolio.....' thread, or does that answer my question?

Thanks for any input.

What's your investment objective?

E.g. to draw an income from the portfolio? What level of income are you trying to achieve? Would you want it to keep up with inflation or are you prepared to eat into the principal? Given your other pension provisions could you tolerate some variability in the income the portfolio provides?