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Planning for the future - what next?

lemon26
Posts: 242 Forumite
Good morning! I'm brand new to this so be gentle but I'd appreciate any thoughts on my current situation and planning for the future.
Currently I have:
£6000 cash (FD e-ISA & Citi Flexi Issue 6) - 16.1%
£30322 equity in house - 81.3%
£973 S&S ISA - 2.6%
The S&S ISA is invested quite heavily into equities as I'm planning on leaving it for 5-10 years so I'm happy to take a greater risk. The funds are:
Artemis Strategic Assets (Acc) - 24%
Invesco High Income (Acc) - 26%
Invesco Corp Bond (Inc re-invested) - 26%
Jupiter Financial Opp (Inc re-invested) - 24%
I'm looking for a bit of global diversification so I'm planning on adding either First State Global Emerging Markets Sustanability Fund or Aberdeen Emerging Markets and possibly a property fund although I don't know if I've already got enough exposure to property with a mortgage! Currently overpaying to get the most out of the low rate of interest so should be mortgage-free in 2015.
My work provides a good pension provided I stay there to 55, which is my plan, and then I'll hopefully be able to become a postie or similar! Where would it be best to focus my S&S ISA on - equities or de-risk with some bonds? Ta!
Currently I have:
£6000 cash (FD e-ISA & Citi Flexi Issue 6) - 16.1%
£30322 equity in house - 81.3%
£973 S&S ISA - 2.6%
The S&S ISA is invested quite heavily into equities as I'm planning on leaving it for 5-10 years so I'm happy to take a greater risk. The funds are:
Artemis Strategic Assets (Acc) - 24%
Invesco High Income (Acc) - 26%
Invesco Corp Bond (Inc re-invested) - 26%
Jupiter Financial Opp (Inc re-invested) - 24%
I'm looking for a bit of global diversification so I'm planning on adding either First State Global Emerging Markets Sustanability Fund or Aberdeen Emerging Markets and possibly a property fund although I don't know if I've already got enough exposure to property with a mortgage! Currently overpaying to get the most out of the low rate of interest so should be mortgage-free in 2015.
My work provides a good pension provided I stay there to 55, which is my plan, and then I'll hopefully be able to become a postie or similar! Where would it be best to focus my S&S ISA on - equities or de-risk with some bonds? Ta!
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