Best way to invest 140k?

dunstonh

Just to add a sense of perspective if you had stuck all your money in a UK tracker (i.e. no research) you would now be 14.66% up Feb2006 -Feb 2007.

A UK tracker is medium/high risk. Not consistent with the risk profile mentioned earlier.

StevieJ

dunstonh wrote:

A UK tracker is medium/high risk. Not consistent with the risk profile mentioned earlier.

Yes, 14% was very impressive considering the cautious risk profile.

EdInvestor

Yes, 14% was very impressive considering the cautious risk profile.

Do you think so? Lower risk funds (equity income, property) have done a lot better than higher risk funds in recent years.

jem16

StevieJ wrote:

Just to add a sense of perspective if you had stuck all your money in a UK tracker (i.e. no research) you would now be 14.66% up Feb2006 -Feb 2007.

My mini ISA that was invested in Feb 06 is now 18.9% up.

Don't get me wrong I agree with you about a good advisor, he can add defensive qualities to your portfolio.

This is what I want most to be honest. No point in it going up in huge leaps when the market is good and crashing down around me when it's not.

jem16

EdInvestor wrote:

Perhaps you'd like to pass on the benefit of your advisor's fund picking skills to others.

Nah, I'm keeping his skills all to myself.

Seriously though;

I have 2 mini S&S ISAs and an investment bond spread over 18 funds at the moment. It's a sector allocated portfolio built according to my risk profile so has the downside protection built in - this was very important to me. Each year it will be rebalanced to keep it within my profile as has just recently taken place. I have also added a pension in the last week (10 funds) to take advantage of higher rate tax relief.

As to listing actual funds, I'm not that generous.

EdInvestor

jem16 wrote:

I have 2 mini S&S ISAs and an investment bond spread over 18 funds at the moment. It's a sector allocated portfolio built according to my risk profile so has the downside protection built in - this was very important to me. Each year it will be rebalanced to keep it within my profile as has just recently taken place. I have also added a pension in the last week (10 funds) to take advantage of higher rate tax relief.

LOL, now where have we come across that style of investing before? Sounds awfully familiar.;)

I'm not surprised you can't be bothered typing out the names of 28 funds. What a fag.:cool:

jem16

EdInvestor wrote:

LOL, now where have we come across that style of investing before? Sounds awfully familiar.;)

You seem surprised that there is more than one IFA in the country with a good investment strategy. :rolleyes:

I'm not surprised you can't be bothered typing out the names of 28 funds. What a fag.:cool:

Never heard of copy & paste?;)

robledouk

took on board the advice of people here and have an appointment with an IFA (who came recommended initially) next week. He won New Model Advisor of the year 2006 for my area of the country so I hope that's a good start?



At first I didn't really know what a NMA was until doing a search. Am I correct in saying the better the portfolio, the more incentive for the NMA as he gets paid more ,which in turn benefits both parties?

Jake'sGran wrote:

.
Just wondered why your Mum is paying tax on £5250. Is she under 65 yrs?

yes, mum is 52.

jamesd

Yes, the NMA adviser is generally paid on renewal commission from the investments and that varies with the value of the investments.

EdInvestor

EdInvestor wrote:

Do you think so? Lower risk funds (equity income, property) have done a lot better than higher risk funds in recent years.

Jem may like to check this by having a look at the lower risk equity income sector which returned a total of 17.4% in the past year.Of course the best funds ( which an NMA should be able to pick) did much better than this.Property funds returned 19.2%.Presumably her portfolio has a lot of bond funds in it and they dragged down the overall performance. If not, charges may be to blame..