My S&S ISA Journey - A Funds Diary

mike88

I wonder how this portfolio is getting on?

fairleads

Coeus wrote: »

INITIAL INVESTMENT

FUND NAME

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SECTOR

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% OF PORTFOLIO -- TER

Standard Life Inv UK Equity Unconstrained (Accumulation)

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UK All Companies---- 15.0%

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1.90%
First State Global Resources (Accumulation)

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Specialist

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15.0%

---

1.59%
Chelverton UK Equity Income (Accumulation)

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UK Equity Income -- 15.0%

---

1.25%
Prudential Growth Accumulation (Active Managed)

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Active Managed ---- 25.0%

---

1.71%
Newton Real Return (Class A) (Income)

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Absolute Return ---- 30.0%

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1.62%

REGULAR INVESTMENT

FUND NAME

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SECTOR

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% OF PORTFOLIO - TER

CF Amati UK Smaller Companies (Accumulation)

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UK Smaller Companies –

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12.5%

---

1.62%
MFM Techinvest Technology (Accumulation)

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Technology and Telecoms

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12.5%

---

1.60%
Standard Life Inv UK Equity Unconstrained (Accumulation)

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UK All Companies

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12.5%

---

1.90%
First State Global Emerging Markets Sustainability (Accumulation)- Global Emerging Markets –

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12.5%

---

1.87%
First State Global Resources (Accumulation)

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Specialist

---

12.5%

---

1.59%
Chelverton UK Equity Income (Accumulation)

---

UK Equity Income –

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12.5%

---

1.25%
Prudential Growth Accumulation (Active Managed)

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Active Managed

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12.5%

---

1.71%
Baillie Gifford Managed (Accumulation)

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Balanced Managed –

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12.5%

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1.53%

Nice portfolio but fund manco fees can have a significantly negative effect on final portfolio value. For example it is not unusual to find that during the final contributing years the manco fees can eclipse the value of contributions, including the tax rebates, that are made in say the last 3 to 5 contributing years before you retire. So as you gain experience it can pay you to reduce those manco fees by slowly re-allocating some of the portfolio into individual shares. I know its not the easiest of tasks but a well balanced portfolio of good quality shares can provide a 20% increase in the final value of your retirement pot compared to one that comprises 100% collective investments.