How can I make 12% pa on my S&S ISA

bigfreddiel

As title suggests - how can I make 12% (+/- 5% )pa on my S&S ISA and what risk profile would that be (1 - low, 10 - high)

Cheers

fj

Alejandro

it doesn't really work like that... to make 12% you'll have to take some risks, which means the +/-5% won't really apply.

ctdctd

Barclay's Structured FTSE 100 10.2% Autocall?

http://www.stockbrokers.barclays.co.uk/?category=whatweoffer&usecase=landing207

HTH

oldvicar

bigfreddiel: I know you're a regular contributor who is sometimes sound of mind. But your question suggests that today you are in Troll's uniform !

Risk profile? I'd say 9 out of 10, except that you want to tie it up in an ISA and will need provider's co-operation to deal which might slow you down a bit. So risk profile 7, plus 2 for the fact its an ISA, = 9 out of 10.

My 0 to 10 scale is arithmetic, geometric, logarithmic, simplistic, etc - whatever takes your fancy. If you want my guess on the supposedly industry standard scale that IFA's use then of course its a 5-and-a-half (nobody really buys if the IFA says its more) and your attitude to risk today is about 5 or 6, 'cause you're a proper investor.

HTH

kidmugsy

The unmentionables, chemical symbols Au and Ag.

kidmugsy

Oh sorry, I thought you said 12% +/- 50%.

bigfreddiel

oldvicar wrote: »

bigfreddiel: I know you're a regular contributor who is sometimes sound of mind. But your question suggests that today you are in Troll's uniform !

Risk profile? I'd say 9 out of 10, except that you want to tie it up in an ISA and will need provider's co-operation to deal which might slow you down a bit. So risk profile 7, plus 2 for the fact its an ISA, = 9 out of 10.

My 0 to 10 scale is arithmetic, geometric, logarithmic, simplistic, etc - whatever takes your fancy. If you want my guess on the supposedly industry standard scale that IFA's use then of course its a 5-and-a-half (nobody really buys if the IFA says its more) and your attitude to risk today is about 5 or 6, 'cause you're a proper investor.

HTH

cheers, i am a regular contributor - and i do have other savings of which my s&s isa is just part of it - so as the markets are fluctuating like a fidlers elbow, and i've seen claims by other contributors that their portfolios regularly gain 12+% over the long term. so i thought to ask - howto do it.

now i've had a meeting with an ifa who went into risk profiles from 1 to 10 (low to high) - thus my question.

i must admit i was not impressed with the ifa (from affinity) who basically treated my wife and i in a very condescending manor, could not or would not answer my questions when i asked about the strategies behind their risk ratings, and to top it all he explained their fees in a rather odd manner, at first he claimed there were no fees, so when I challenged that by asking did that mean 100% of my portfolio would be invested - the answer was a resounding no with a bit more word play on exctly what the fees were - soon afterthat he was shown the door! ok rant over..

cheers

fj

bigfreddiel

kidmugsy wrote: »

Oh sorry, I thought you said 12% +/- 50%.

yep you need new glasses like me ( how can I make 12% (+/- 5% )pa)

dunstonh

i've seen claims by other contributors that their portfolios regularly gain 12+% over the long term. so i thought to ask - howto do it.

What you have seen is that they are averaging out over the long term. Not that they are getting that regularly. It could be minus 25% one year and plus 40% the next and nothing the year after etc etc.

i must admit i was not impressed with the ifa (from affinity)

Of course you wouldnt be. No decent adviser is going to work on that basis. Shared commissions and spoon fed leads which require them to travel a lot which prevent any real incentive to built a long term working relationship. Its effectively a sales role with an IFA tag. Sales roles should be avoided even if they use the IFA tag. Its just another income source for a sales rep and Union/trade associations etc.

oldvicar

bigfreddiel wrote: »

cheers, i am a regular contributor - and i do have other savings of which my s&s isa is just part of it - so as the markets are fluctuating like a fidlers elbow, and i've seen claims by other contributors that their portfolios regularly gain 12+% over the long term. so i thought to ask - howto do it.

now i've had a meeting with an ifa who went into risk profiles from 1 to 10 (low to high) - thus my question.

i must admit i was not impressed with the ifa (from affinity) who basically treated my wife and i in a very condescending manor, could not or would not answer my questions when i asked about the strategies behind their risk ratings, and to top it all he explained their fees in a rather odd manner, at first he claimed there were no fees, so when I challenged that by asking did that mean 100% of my portfolio would be invested - the answer was a resounding no with a bit more word play on exctly what the fees were - soon afterthat he was shown the door! ok rant over..

cheers

fj

So, on a scale of 1 to 10, what did this IFA say your attitude to risk is? I'll eat my hat if its not between 3 and 6.

bigfreddiel

oldvicar wrote: »

So, on a scale of 1 to 10, what did this IFA say your attitude to risk is? I'll eat my hat if its not between 3 and 6.

give that man a cigar - 3!

btw thanks to all that replied