My Investments

Alan.W

Hi,

I have been investing, sometimes regularly, sometimes ad-hoc, over the last few years, however, I have sort of just ignored them and let them grow/shrink.

I am 30 yo, and don't need the cash in the foreseeable future, I have 6x more cash than investments, so ready if I want to buy a house. My pension is only a year old, as I never bothered joining (lots of free money lost there!).

Here are my current investments and the percentage as of today, all Accumulation units where available:

H&L S&S ISA
----------------
Henderson European Growth	7.5
Invesco Perpetual Global Smaller Companies	10.4
Invesco Perpetual High Income	11
JPMorgan Emerging Markets	9
Standard Life Dynamic Distribution	6.1	
GLG Japan CoreAlpha	4.7
	
HSBC Trackers (HSBC GIC, Not ISA)
------------------------
FTSE All Share	13.1
America Index	10.5
	
L&G Stakeholder Pension
-----------------------------
L&G Far Eastern 	2.8
L&G International 	8.3
L&G UK Equity 	13.7
L&G UK Smaller Companies	2.9

(I rounded, don't expect 100%!)

I know I cannot ask for, and you cannot give, advice, but does anybody have any particular comments?

Also just a few questions:

I was about to add another £500 in to the America Index tracker yesterday, but realised they've put up the 'C' classes now, which will cost almost twice as much from May so I didn't. What is the best place now to continue to top up these, or another cheap tracker?

Is there a tool, free or priced for a consumer, I can punch all the above in and keep an eye on global allocation, major company overlap, TERs etc? I can work it out all my self, but it's nice to press a button!

Linton

Morningstar X-ray will give you overall asset allocation in terms of sector, geography, company size, major overall holdings etc etc. Bad news - it comes with their portfolio management facility and costs £19/month. There may be a free trial option.

Fidelity has the same thing available for its customers.

takesyourchances

Linton wrote: »

Morningstar X-ray will give you overall asset allocation in terms of sector, geography, company size, major overall holdings etc etc. Bad news - it comes with their portfolio management facility and costs £19/month. There may be a free trial option.

Fidelity has the same thing available for its customers.

This type of interface would be really good to monitor a few funds and overall asset allocation and geographical terms etc and holdings and so on.

I have printed my fund information out to refer to this on paper but would be excellent as the op said to be able to do this at the hit of a few buttons. I checked on google there for something a long these lines that is free or outside of a general provider but no joy in finding anything, even a bit of bought software linked online if not to pricey would be good. With a small portfolio growing it would be a nice idea if possible for viewing

Best regards.

Linton

To avoid confusion, Morningstar dont actually manage portfolios, they manage data about portfolios. So you simply enter the details of your actual or fantasy portfolio into their website.

takesyourchances

Linton wrote: »

To avoid confusion, Morningstar dont actually manage portfolios, they manage data about portfolios. So you simply enter the details of your actual or fantasy portfolio into their website.

Thank you for clearing that up, I understand now. I will have a look on their site, was just looking as well to see if there was any apps for this type of tool as well.

Thank you.

JohnRo

TD Direct have the morning star X-ray built into their investment platform, it will only analyse the funds you actually hold though. To the best of my knowledge there is no way to use TD for analysing fantasy fund portfolios with X-ray.

takesyourchances

JohnRo wrote: »

TD Direct have the morning star X-ray built into their investment platform, it will only analyse the funds you actually hold though. To the best of my knowledge there is no way to use TD for analysing fantasy fund portfolios with X-ray.

Was looking on the morning star web site, seems an interesting tool. However on my small holdings it is way to much to pay for it :rotfl:

I see there is a 14 day free trail, I will not waste the free 14 day nosey to soon, would be nice to see it in operation though.

I was looking for apps on my tablet but nothing seems to be suitable.

Sometime I will look at it free for 14 days, the cost for it with morningstar is way to much for my humble amounts at the moment

Thanks again.

grey_gym_sock

HL's site has a portfolio analysis tool - AFAIK just for the funds you hold with them.

there are still a few providers where you can buy the old ("retail") HSBC trackers with no additional charge. ("C" class is in itself 0.l% cheaper than "retail", but that's outweighed by the GIC's extra charges for holding class "C".) e.g. cavendish, or fidelity.

takesyourchances

grey_gym_sock wrote: »

HL's site has a portfolio analysis tool - AFAIK just for the funds you hold with them.

there are still a few providers where you can buy the old ("retail") HSBC trackers with no additional charge. ("C" class is in itself 0.l% cheaper than "retail", but that's outweighed by the GIC's extra charges for holding class "C".) e.g. cavendish, or fidelity.

Thank you for the information on Hl that they have a portfolio analysis tool for funds held with them, I will check HL's site now and have a look.

Best regards.

takesyourchances

Just had a look at the portfolio tool on HL, this is exactly what I was after to look over the funds I have in HL at present. Very interesting to see the weights of your funds broken down correctly and the x-ray of them.

Thank you.

Alan.W

Thanks.

I do use Hargreaves Lansdown's tools for those I hold with them which are quite good, but I forsee using other brokers soon depending on how the new charges begin to look.

Even the raw data would be useful - interestingly somebody mentions a tablet - if I could get the raw data I would look into writing a tablet app myself, as I am looking for an excuse to learn some android development (not iPad unfortunately) as I am a software engineer but mainly backend/servers not tablet etc.