comments on my CRAZY portfolio please

riskyb

Hi Moneysavers


see my rather crazy portfolio below.

I invested in rather an ad hoc way but I was sure I wanted to invest in these higher risk funds at that point. I have enough cash in my cash ISA (which I figure counts as my ‘lower risk’ investing).

My time frame – minimum 10 years
Aim 1- approx 15 % return a year.
Aim 2- To help fund child’s university in 18 years
Drip feeding - I am currently only adding £50pm in Aberdeen EM which is the only fund in my SIPP. All other funds are in my ISA apart from London mining in my share account.

I did invest right at the top of the market a few years back and my portfolio promptly dropped 50% a few weeks later. I ignored it for a couple of years and finally it rose back to my original investment amount and I am currently in profit by 10%. BP I bought at £3.74 a few months back.


From my porfolio analysis my top three are
Regions: UK (40%), Emerging asia (14.5%), developed asia (12.5%)
Industries: Basic materials (21%), Oil and gas (17%) and financials (16%)

So my questions
1) any comments (all welcome even if to say I am crazy)?
2) I am looking to try and learn how to balance it a bit more (but still keeping within the higher risk strategy for now). So any ideas welcome. (I will do my own research but I just want a point for reference to start from). I aim to drip feed money in to current /new funds or sell a few (depending on research outcome) to balance it.
Thank you.

Top holdings

Stock name

% Weight

Sector

Allianz RCM BRIC Stars Class A 25.3%
Gartmore China Opportunities 13.9%
Invesco Perpetual High Income 13.5 %
First State Global Resources Class A 13.4%
Standard Life Investments UK Smaller Companies Class R 9.1%
HSBC FTSE 250 Index 7.6%
BP 5.4%
First State Global Emerging Markets Leaders Class A 3.7% 9
London Mining 3.3%
JPM Natural Resources Class A 2.2%
Neptune Balanced Class A 1.4%
Aberdeen Emerging Markets Class A 1.2%

Jonbvn

I think a target of 15% per annum is probably a little bit too ambitious.

riskyb

Hi Jonbvn,
I know I am being ambitious. I figured that if I aim high I might be lucky and get something not too bad.
B

Rollinghome

It's heavily weighted towards emerging markets, smaller companies, and commodities. I don't see anything wrong with that provided you understand the level of risk and that meets your objectives.

Whether taking that level of risk is crazy or not depends on your circumstances. If you're young and expect a good enough income over the years to replenish any losses then it's more sensible than if you're expecting to retire in a few years and will need your investments for income.

riskyb

Hi Rollinghome (I love your name by the way).

Thanks for your reply. I have at least 30 years till retirements and I will be ok income wise till then - hence the risker approach. I am keen to still keep a solid weighting towards emerging markets, smaller companies, and commodities but I wantt o start adding some more money in now and feel it may be time to try to balance this out with some more sectors. I will start researching this but to help me start I am curious as to what other people with my kind of profile have in their portfolio.
Thanks again.

sunil1234

well you have mine ;-)

it looked all nice, pivot table format when i pasted it into the message box. When i looked it sent items it was horrificly formatted lol so disregard my cheeky comment!

maybe some direct exposure funds - india/ brazil/ technology/ emerging market debt

or maybe a global growth fund - i have CF JM Finn Global Opps

or a direct oil fund or gold fund


Good luck.

pressuredrop_2

I just see an emerging markets tracker. Aggressive, correlated, unbalanced.

As you say, high risk.

riskyb

Hi Pressredrop,

Thanks for replying. If you were in my (unbalanced) shoes what wld you look at to 'balance' this then??

B

pressuredrop_2

No crystal ball here.

Ginger_Red

There's quite a bit of overlap in some of the funds, such as BRIC stars/Aberdeen EM/FS EM.

If they are all contributing something different to the portfolio that's fine though.

I don't quite understand the split between the SIPP and the S&S ISA though - any money you put into the SIPP you won't be able to get at until you retire, and then only 25% as a lump sum. If you're planning on giving it to your child at 18, it will need to be in the ISA.

riskyb

Hi Ginger Red,
Thanks for replying. Sorry I was not clear in my original post.

The SIPP is entirely for my retirement in over 30 years and I only started this about 3 months ago contributing to Aberdeen EM.

All other funds / shares are in my ISA which again I hope not to use for about 10 years minimum and from where I hope to fund my childs education. I do see the overlap in the funds and at the time of choosing each fund the purpose seemed clear to me. But looking at it all now I realise I need to redress this imbalance and hoping to learn as I go along (as I am still quite new to this).