S&S Isa portfolio ideas.

sabretoothtigger

Yea I like that much more but really what matters is do you like it and why.

Im not sure what the benefits of each fund are, its quite hard to have an opinion as sometimes they wont even say what stocks they hold

Quite often I think a tracker will do just as well for lower cost. Being in the right place at the right time probably counts for the majority of most success. Some people would call that luck but some have a knack for it and you can always improve your odds I think, so a good manager is worth it but who is good


Places I think might be underestimated are Japan, technology, Indian Ocean economies, asia pacific and water infrastructure engineering in emerging countries. I had a look for water funds, there are even trackers but they favour big western utilities so not sure


http://www.citywire.co.uk/personal/-/news/markets-companies-and-funds/content.aspx?ID=390855

http://en.wikipedia.org/wiki/Palisades_Water_Index

Another fund research site
http://www.bestinvest.co.uk/investment-research/fund-research/fact-sheet/artstras/artemis-strategic-assets-r/manager

welshman83

Thanks Saber,

I can see where this may offer better growth, and hopefully with the spread less chance of begin hit by everthing dropping.
If I was to do this via someone like Hargreves Lansdown, would I be able to ISA wrp the lot?
Sorry for more questions.

Thanks again.

John

Linton

welshman83 wrote: »

On another look might I be better looking at something like the below?
Would that give me a better spread?

Asia - Aberdeen Asia Pacific - £600 - 50/pm - 5.88%
Asia - First State Asia Pacific Leaders Class A - £600 - 50/pm - 5.88%
Asia - Jupiter China - £600 - 50/pm - 5.88%

Tech - Henderson Global Technology A - £600 - 50/pm - 5.88%

Emerging - Aberdeen Emerging Markets - £600 - 50/pm - 5.88%
Emerging - JPMorgan Emerging Markets - £600 - 50/pm - 5.88%

Specialist - Blackrock Gold & General - £600 - 50/pm - 5.88%
Specialist - First State Indian Subcontinent -£600 - 50/pm - 5.88%
Specialist - Jupiter Emerging European Opportunities - £600 - 50/pm - 5.88%

Europe - BlackRock European Dynamic Acc - £600 - 50/pm - 5.88%

Property - M&G Property - £600 - 50/pm - 5.88%

UK equity - Fidelity Special Situations - £1200 - 100/pm - 11.66%
UK equity - Cazenove OPS - £1200 - 100/pm - 11.66%
UK equity - Schroder Income - £1200 - 100/pm - 11.66%

I also prefer this one though I personally wouldnt have so many funds....

Suggest the Indian one be dropped, with a small portfolio you are better off with general Emerging Market or BRIC funds. It should be in that category rather than specialist. Similarly I wouldnt have the China fund - cover the area with the more general A-P funds. If you do drop the India and China funds suggest you increase the general EM/AP funds.

I like emerging europe but again it should be in the Emerging or Europe categories rather than specialist.

You could look at JPMF Natural Resources to add to the Gold & General

I dont know what your Cazenove and Schroder funds are adding to the mix ( I coulldnt find the Cazenove fund on trustnet). Though I have found with a growth portfolio in an ISA, balancing is a bit awkward if you dont want to lose the ISA benefits. It is useful to have somewhere safer to put excess gains from the riskier funds in the same ISA portfolio.

welshman83

Linton wrote: »

I also prefer this one though I personally wouldnt have so many funds....

Suggest the Indian one be dropped, with a small portfolio you are better off with general Emerging Market or BRIC funds. It should be in that category rather than specialist. Similarly I wouldnt have the China fund - cover the area with the more general A-P funds. If you do drop the India and China funds suggest you increase the general EM/AP funds.

I like emerging europe but again it should be in the Emerging or Europe categories rather than specialist.

You could look at JPMF Natural Resources to add to the Gold & General

I dont know what your Cazenove and Schroder funds are adding to the mix ( I coulldnt find the Cazenove fund on trustnet). Though I have found with a growth portfolio in an ISA, balancing is a bit awkward if you dont want to lose the ISA benefits. It is useful to have somewhere safer to put excess gains from the riskier funds in the same ISA portfolio.

Thanks Linton,

First off the Cazenove UK Opportunities (CBUK) and the schroder I think maybe hangovers from my first attempt at creating the portfolio.
I assume you are suggesting that I move the Jupiter Emerging European Opportunities from Specialist to Eurpoean and add the JPMF Natural Resources to the Specialist along side my Blackrock Gold and General.
If I also reas right you are suggesting to look at dropping the Jupiter China dn the First State India and replace with more generic Asia Pacific Funds?
This is something I can try to look into today.

One quick questions, you start that you would not have so many funds, what woudl you be looking to add/replace from here?

Thanks again.

John

HelpWhereIcan

Hi John

Just a quick question to try and get an idea of what you are trying to achieve.

Ignoring the actual funds and just looking at the asset allocation e.g. Fixed interest, Equities (UK & International), Property, commodities etc - how would you characterise the level of risk the last portfolio you posted represents?

Cautious, Moderate, High Risk, somewhere between any two?

How would you characterise the level of risk you want to take in the portfolio you end up with?

I ask simply because the first step is often to assess the level of risk you are willing to take, set an asset mix that matches that and then funds that help you achieve that asset mix.

With this in mind your second portfolio seems very different to your first in this regard and is, in many ways not really comparable.

Don't forget that as well as helping to spread the risk between a number of funds and protecting yourself against the underperformance of one or a couple of the selected fund managers you also expose yourself to, amongst other things, different management charges (e.g. one may charge 2% pa and another 1.5% pa for essentially the same asset mix and even similar share holdings) that can also dilute/enhance the performance of your portfolio.

Linton

welshman83 wrote: »

Thanks Linton,


I assume you are suggesting that I move the Jupiter Emerging European Opportunities from Specialist to Eurpoean and add the JPMF Natural Resources to the Specialist along side my Blackrock Gold and General.
If I also reas right you are suggesting to look at dropping the Jupiter China dn the First State India and replace with more generic Asia Pacific Funds?
This is something I can try to look into today.

One quick questions, you start that you would not have so many funds, what woudl you be looking to add/replace from here?

Thanks again.

John

Your interpretation of my suggestions is correct - though I may regard emerging europe as more emerging than europe. Non-emerging europe is much more like the UK.

I would increase the quantity of the existing funds rather than adding new ones, but provided you can get the funds in the small quantities you are proposing I guess its a personal preference. I started with a small number of funds, say 5X£2000, and gradually expanded the number of funds as the total amount invested increased. Doubling up on funds in sectors was left til after the initial portfolio had the right structure.

WARNING - my suggestions are based on my investing preferences and attitude to risk. This requires having a large amount in cash and safer, though relatively low return investments sufficient to meet my needs for the next 5-10 years and the remainder in higher risk, though much higher return funds. Your circumstances sound similar but they may not be.

welshman83

HelpWhereIcan wrote: »

Hi John

Just a quick question to try and get an idea of what you are trying to achieve.

Ignoring the actual funds and just looking at the asset allocation e.g. Fixed interest, Equities (UK & International), Property, commodities etc - how would you characterise the level of risk the last portfolio you posted represents?

Cautious, Moderate, High Risk, somewhere between any two?

How would you characterise the level of risk you want to take in the portfolio you end up with?

I ask simply because the first step is often to assess the level of risk you are willing to take, set an asset mix that matches that and then funds that help you achieve that asset mix.

With this in mind your second portfolio seems very different to your first in this regard and is, in many ways not really comparable.

Don't forget that as well as helping to spread the risk between a number of funds and protecting yourself against the underperformance of one or a couple of the selected fund managers you also expose yourself to, amongst other things, different management charges (e.g. one may charge 2% pa and another 1.5% pa for essentially the same asset mix and even similar share holdings) that can also dilute/enhance the performance of your portfolio.

HelpWhereIcan,

As it stands I dont have a fund invested in, I am looking for growth and would be looking for something between moderate and high risk.

Linton,

I will check with H and L, but I believe normally they allow a minimum of £50/month.
You are right with regards to my position, I have around £200k with £170 in fairly safe investments (2 year bond and FTSE structure products) and around 30 in Cash, so I can afford to be a little more high risk with this investment.
I am favouring the above, and I can appreciate swapping the Chain and India for more rounded funds.

John

Robsinvesting

Hi. I am also new to this game, but having paid off my mortgage recently have some spare cash that I would like to invest in S&S ISAs. Im looking for long term growth over the next 10-15 years rather than an income. A couple of questions:

In reading on this some stuff seems to suggest that growth funds are more risky than those pitched towards income. Is this the case?

Investco Perpetual seems to come at the top of many lists but seems to be pointed towards income. Presumably income could be automatically reinvested but I guess that this would count towards the ISA ceiling and reduce the amount that I can invest over time? Any other implications of doing this eg tax?

Thanks - Rob

Aegis

Robsinvesting wrote: »

Hi. I am also new to this game, but having paid off my mortgage recently have some spare cash that I would like to invest in S&S ISAs. Im looking for long term growth over the next 10-15 years rather than an income. A couple of questions:

In reading on this some stuff seems to suggest that growth funds are more risky than those pitched towards income. Is this the case?

Investco Perpetual seems to come at the top of many lists but seems to be pointed towards income. Presumably income could be automatically reinvested but I guess that this would count towards the ISA ceiling and reduce the amount that I can invest over time? Any other implications of doing this eg tax?

Thanks - Rob

Reinvested income doesn't count towards your ISA contribution limit.

Hope that helps