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Piddling portfolio - rule of thumb - help please!
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Nomad25
Posts: 1,995 Forumite

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.
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,

Thanks for any input.
0
Comments
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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.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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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 myexperience and knowledge
are pretty negligable - and limited only to small financial stuff.0 -
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?0
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