Unit Trust ISA

EagerLearner

Thanks cheerfulcat - I sometimes amto be pegged as a guy as well - even with a cut puppy pic! I took a peek at that forum you suggested but it seems to only have one thread about pensions?

jamesd, this weekend I will read up some more and gradually the terms will all make sense I am sure ;o) Planning to invest £200 here and there as I feel comfortable. Do you know if there is a site that can help me assess the percentages I should be investing? I plan to be medium to risky if that makes sense. I have already done the risky investment (ie: China and Global emerging markets) so was now thinking Europe / UK for the safe/medium but still unsure what's the best area due to interest rates rising and having an effect both on UK and Europe. If you would prefer to PM me that would be ok (if you have time)?

debbie42

EagerLearner wrote: »

Thanks cheerfulcat - I sometimes amto be pegged as a guy as well - even with a cut puppy pic! I took a peek at that forum you suggested but it seems to only have one thread about pensions?

Do you know if there is a site that can help me assess the percentages I should be investing?

I'm a woman (hey, the name is a bit of a giveaway ). Haven't used that MF forum myself, but will look as I do find some of the others very useful.

I'm (still) looking at funds investing myself, and there have been a few posts on here regarding percentages/markets etc. I'll see if I can find the link. My current plan is to use that info together with fund ratings sites (trustnet etc.), then post my proposed purchases on here before I buy. It's easier for people to comment on specifics, hopefully.

savingforoz

I'm female too, Eager Learner - like James, I've ben investing for just over a year, since last April. It's been an interesting time! I feel like I've learned lots and am now much more confident about making decisions, switching funds, etc, although I accept I'm still a newbie.

EagerLearner

Hi Debbie & Savingforoz - I feel a bit better now :j I am learning all this from scratch having only a basic understanding from working with a client of mine. Now I am gradually scraping together the comments and warnings of others, to try and form a (meagre) understanding of what to buy into. I hope that in a year at least much of it will make sense, even if I don't stick my neck over the risk-parapeit(sp?)!!!

I am considering the following areas for my safe to medium-risk outlook:

UK equities, fixed asset etc (avoiding property)
Europe excluding UK (Germany in particular)
Global emerging (possibly Vietnam and Brazil focused)

I was wondering if anyone had any comments and /or favourite fund houses?

Primrose

If this is your first ISA investment on the stock market I'm quite surprised that you have opted for such a risky emerging market. I would have thought that a good UK equity income fund in the UK with dividends being reinvested would perhaps have been a better bet at least for a large proportion of your investment.

pamaris

Hiya,

Another female here. I have just started with all of this as well, and here is what I have so far in OH's ISA:

Invesco Perpetual High Income: £1000
Rensburg UK select growth: £320
Neptune Global: £540

The plan at the moment is to add to the Rensburg and Neptune funds till they reach £1000 each and then focus on something else. Through the Neptune fund I have exposure to emerging markets, Asia, USA, Europe... well lots of global regions. So, instead of using individual funds for each country/ sector I can kill lots of birds with one stone every month. The Invesco Perpetual fund is more of a base fund, and the Rensburg fund was selected to be more aggressive.

In addition I have bought some ETF's in my ISA:
ishares IUKD £800
ishares FTSE 100 tracker: £650
ishares IDVY Euro stoxx dividend: £350

I am favouring the dividend paying stocks at the moment, and am leaning towards that as a long term strategy. I want to add a commercial property fund at some point but at the moment am unsure about what effect a house price crash/ correction would have on commercial property.

Anyway the idea is to start from a broad base and then specialize as required. I am adding £250 per month. Eventually I would like to buy some stocks but I am not ready yet. I am constantly revising/ refining my plans.

EagerLearner

Primrose wrote: »

If this is your first ISA investment on the stock market I'm quite surprised that you have opted for such a risky emerging market. I would have thought that a good UK equity income fund in the UK with dividends being reinvested would perhaps have been a better bet at least for a large proportion of your investment.

Hi Primrose, given I am investing the money in bits over a 2-3 week period, I didn't see much 'danger' in which way round I did it - I started with riskier ones because right now I am more confused with the UK market and what's happening re inflation and interest rates so it's taking me longer to make up my mind. Besides the amounts I am investing are tiny, the fund managers won't be bringing out the champagne with my orders...