Your thoughts on this fund portfolio please

gadgetmind

atush wrote: »

the whole seperate money thing mystifies me really.

Me too.

My wife and myself know what's normal expenditure, and know what we need to discuss in advance. We've also evolved (without any planning) a system where I handle ISAs, pensions and other investments, and she handles savings etc, and insurance.

Each to their own, but long-term married couples who still have separate finances do puzzle me.

Imnoexpert_2

I forgot to add that I ran the portfolio through the Trustnet scanner but over 30% of the fund showed as 'other holdings' so the asset allocation is difficult to say. Is there a better way of doing it?

The Scanner also showed that only 3 of the funds beat the FTSE All share over 3 years (and two of them were ones with a small investment suggested). Now I know the past is no guide to the future, and beating the FTSE may not be the aim of the portfolio, but what would be a good measure of future performance?

Thanks

sabretoothtigger

Try Morningstar and HL is free I think

Do they know something ?

Too many bonds. Bad idea to me as they are highest ever prices with our lowest ever rates, but its very common advice

The Newton funds might be ok. Why dont you post up the portfolio of each, trustnet will give you that

You need to tell us your age if you havent, it depends on your circumstances but investing in the UK and/or west when your job income already relys on our recovery never seems wise to me. Double jeopardy

Imnoexpert_2

Thanks Sabretooth

I may sus out the allocations individually because I'm a bit of an anorak but I feel now its up to the advisor to justify/explain the choices.

I think you may be right about Bonds but to be fair people were saying that ths time last year too.

I guess the adviser might say (not in these words) ' You asked for advice, I've given it, if you don't agree, don't take it!