Funds/portfolio advice

sunil1234

thanks for the feedback

Another question, do you buy in at once or drip feed?. I put an initial £10k lump in ISA for this year with mostly 10% in a given fund but wonder if thats really effective given the £ amounts?


thanks

chedburgh

sunil1234 wrote: »

thanks for the feedback

Another question, do you buy in at once or drip feed?. I put an initial £10k lump in ISA for this year with mostly 10% in a given fund but wonder if thats really effective given the £ amounts?


thanks

I tend to do a bit of both. I drip very small amounts into funds i am expanding through the year, but i also like to buy larger chunks from time to time, usually when i feel its a good buy or the markets are down and i think the price will recover.

I like to actively manage it, so fine tuning the drip feeding and buying larger chunks from time to time keeps me from tinkering to much with the overall longer term strategy.

superstar_2

I have read through this thread with great interest. Just out of interest, whats the rought % of profit are you looking or had with those investments?
I'm new to inveting in funds/portfolios and would appreciate your views.

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chedburgh

superstar wrote: »

I have read through this thread with great interest. Just out of interest, whats the rought % of profit are you looking or had with those investments?
I'm new to inveting in funds/portfolios and would appreciate your views.

I have managed somewhere around 20% over the last few years. I dont have exact figures with me, they are at home in my spreadsheets.

I am not sure how it stacks up against others who are more experienced, but i am happy with it. I was fairly new to this all 3 years ago, lots of reading and homework and it gets easier, and for me personally, more interesting the more i learnt.

superstar_2

chedburgh wrote: »

I have managed somewhere around 20% over the last few years. I dont have exact figures with me, they are at home in my spreadsheets.

I am not sure how it stacks up against others who are more experienced, but i am happy with it. I was fairly new to this all 3 years ago, lots of reading and homework and it gets easier, and for me personally, more interesting the more i learnt.

I presume 20% over 3 years or each year?

Not trying to hijack your thread, but at 20% within 3 years, you're an inspiration for people like me who would like to start investing.

Where would you suggest me to start reading, any websites etc>?

sunil1234

i reckon he means 20% pa;)

chedburgh

superstar wrote: »

I presume 20% over 3 years or each year?

Not trying to hijack your thread, but at 20% within 3 years, you're an inspiration for people like me who would like to start investing.

Where would you suggest me to start reading, any websites etc>?

Thanks for the compliment. Yes, its around 3 years.

I mainly invest in funds, so, some of my reads are:

I use www.trustnet.com and www.morningstar.co.uk. Read the yearly statements and prospectus of funds your interested in, they are available on the web and essential reading.

This forum is good, there is some very knowledgeable people here.

I enjoyed The Intelligent Investor, by Benjamin Graham. There is a thread on favourite investing books here somewhere.

Finally, dont know if this really counts, but i find following the news can help form bigger pictures on some ideas.

There are lots of other places to find good information that others can recommend to.

Finally, I will say, if you are intending to invest, try come up with a plan/asset allocation/time frame/areas of interest or experience etc. My first 6 months were a little messy until i sat down and organised myself properly.

chedburgh

sunil1234 wrote: »

i reckon he means 20% pa;)

Just 20% over three years i am afraid, wish it was 20% pa thought! My first year i made a 25% loss!

mike88

The portfolio is skewed into higher risk areas so I presume the OP is nowhere nearing retirement. Personally I am averse to single country funds as they are unpredictable and you can seriously get caught out. There is zero flexibility if things go wrong as the manager is left with nowhere to invest. At least with general emerging market and international funds the manager has the ability to move funds around. Gold funds might be good now but they are volatile if held for the long term. I would not hold gold at present as the price is far too high.

I am also surprised to see a bond fund amidst such high risk funds as it will do little to reduce the risk profile.