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DFC, when you say "No US, Japan, Pacific Rim, Latin America, Emerging Markets" i take your point but if i wa to invest in those areas would my risk level not go higher? And is property still good value?
Investing in those areas increases the risk of the portfolio but you offset it with lower risk, such as property and bonds.
Also, it doesnt mean you go and stick 20% in emerging markets. It could just be as little as 1% depending on your risk profile.
You are also missing global specialist. This is where you have the latin america, euro property, specific focus funds like Jupiter financial opps etc.
That said, you only have a small amount so you arent going to be able to get optimal allocation at this stage.
Property is still good value on a defensive front. Whilst it may only return 2% this year it could do more. (they said last year would be the low year but it turned in 18%). It gives you good balance to your portfolio and you are not investing for just 12 months.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
