My Virtual Portfolio...

Jegersmart

Robie wrote: »

Interesting thoughts Mickey.

You say sheep's collection is dull then how about mentioning the alternatives to the one he has selected?

Coincidently, I have all the funds sheep has mention in my portfolio except Newton Real Return (in its place it is Newton Global Higher Income). They seem to have done OK for me.

Of course, I would be keen on finding out even better alternative funds than the ones selected above.

Most decent funds will have their "day in the sun" as long as the sector/geography/etc is enjoying a favourable time, after all no fund can fight against that completely.

I mean if you asked me to just choose one fund that I would be happiest to recommend for someone investing over 15-20 years - it would probably be Templeton Frontier Markets or something similar.

imho
J

Totton

Interesting thoughts Mickey.

You say sheep's collection is dull then how about mentioning the alternatives to the one he has selected?

I'm not trying to be provocative or similar, I think the Op wants growth, in which case I am not sure the chosen funds are that great. Troy, IP High Income, Newton Real Return may all be good funds for low growth wealth preservation although some would say IP High Income is a tad aggressive with all that tobacco etc. The Troy Income fund is in the top class of Income funds but if the poster wants growth then perhaps not a great choice to hold in a small portfolio of 5.

I wouldn't think my own holdings are a guide for anyone else but if it helps explain my thoughts then my own portfolios are looking for Growth with a hint of capital preservation, they currently comprise 69% Vanguard LifeStrategy 80% with the rest in 4% Henderson Smaller Companies IT, 4% Scottish Oriental Smaller Co's IT, 6% Worldwide Healthcare IT, 7% Personal Assets IT, 4% Finsbury Growth & Income IT.

I recently sold half of my Scottish Oriental holdings, all of Henderson Global Growth and all of Scottish Mortgage IT as I sought to take some risk off the table, I added to the Vanguard fund and re-bought into RIT Capital Partners to try and take advantage of the unusual 9% discount to NAV. In one more cautious portfolio the holding is Vanguard LifeStrategy 40% rather than the aggressive 80% fund but that is for someone more concerned with capital preservation.

HTH,
Mickey
ps. If I din't enjoy investing so much I would probably stick everything in a single Vanguard LifeStrategy 60% holding.

A_Flock_Of_Sheep

Thanks guys for your feedback. I am actually a lady!

Hmm I am concerned about being an also rans!

I am new to investing. Basically I am a saver but a cheesed off saver. Cheesed off with the paltry interest rates in my cash haven of savings accounts.

Basically my objectives:

I am looking for a return that is hopefully ahead of inflation and clearly better than bank interest even in fixed rate money tied situations. Even regular savers with "high interest" are a con to me. I don't want say 6% on a subscription basis that leads to a T&Cs limited nest egg at the end.

I am looking to gain some income from the portfolio of investments

I am also looking for some growth of the capital invested.

Maybe I am asking too much and maybe the ones I am monitoring do not provide this. But by the name Invesco Perpetual High INCOME I would hope it provides some form of income!

All I can say is I would be happy that in 1 year if my portfolio made 8% on the amount invested I would be over the moon compared to the likes of 2% in the bank - maybe 4 at a push. If it loses I would probably keep it there.

Robie

Totton wrote: »

I'm not trying to be provocative or similar, I think the Op wants growth, in which case I am not sure the chosen funds are that great. Troy, IP High Income, Newton Real Return may all be good funds for low growth wealth preservation although some would say IP High Income is a tad aggressive with all that tobacco etc. The Troy Income fund is in the top class of Income funds but if the poster wants growth then perhaps not a great choice to hold in a small portfolio of 5.

I wouldn't think my own holdings are a guide for anyone else but if it helps explain my thoughts then my own portfolios are looking for Growth with a hint of capital preservation, they currently comprise 69% Vanguard LifeStrategy 80% with the rest in 4% Henderson Smaller Companies IT, 4% Scottish Oriental Smaller Co's IT, 6% Worldwide Healthcare IT, 7% Personal Assets IT, 4% Finsbury Growth & Income IT.

I recently sold half of my Scottish Oriental holdings, all of Henderson Global Growth and all of Scottish Mortgage IT as I sought to take some risk off the table, I added to the Vanguard fund and re-bought into RIT Capital Partners to try and take advantage of the unusual 9% discount to NAV. In one more cautious portfolio the holding is Vanguard LifeStrategy 40% rather than the aggressive 80% fund but that is for someone more concerned with capital preservation.

HTH,
Mickey
ps. If I din't enjoy investing so much I would probably stick everything in a single Vanguard LifeStrategy 60% holding.

I wasn't trying to make you out to being a provocative. Aplogies, if I came across in the fashion.

I was genuinely interested in looking for equivalent better funds than the ones mentioned. I have the funds mentioned by OP and they haven't done too badly for me.

Robie

A_Flock_Of_Sheep

Well my little Virtual Portfolio isn't doing so well! It is already down circa £80 and it's only been running a couple of days.

What's happened to the FTSE? It was going up now it seems to know I am wanting to come in and is dropping.

I still have taken no plunge with investments yet and this has proven very interesting tracking the funds like this.

Redbuzzard: A canny investor you are - any comments ?

Linton

A_Flock_Of_Sheep wrote: »

Well my little Virtual Portfolio isn't doing so well! It is already down circa £80 and it's only been running a couple of days.

What's happened to the FTSE? It was going up now it seems to know I am wanting to come in and is dropping.

I still have taken no plunge with investments yet and this has proven very interesting tracking the funds like this.

Redbuzzard: A canny investor you are - any comments ?

This is a good thing if you want to buy a fund - you get more for your money.

Beware of looking on a daily basis, funds will go up and down all the time. It wont mean anything and you will be continually in a state of euphoria or abject misery. Forget about your portfolio and have another look in a year's time.

Hominu

A_Flock_Of_Sheep wrote: »

Well my little Virtual Portfolio isn't doing so well! It is already down circa £80 and it's only been running a couple of days.

So you could invest now and in a week its possible to make a profit of £80 or so, or you could make a further loss.

What you need to do however is leave it for a few months, perhaps even a year, then see how your portfolio is going.

However, past performance is not an indication of future performance.

As someone else said, investing is like legalised gambling. You may make a profit or a loss.

Totton

Looking for 8% is not too rash a target imho, if you consider that itis suggested the max take out is 4% a year then you are still growing at 4% also should you take some capital. Take a look at the White List for recommended equity income funds http://www.whitelist.co.uk/income-study/

HTH,
Mickey

Jegersmart

Totton wrote: »

I'm not trying to be provocative or similar, I think the Op wants growth, in which case I am not sure the chosen funds are that great. Troy, IP High Income, Newton Real Return may all be good funds for low growth wealth preservation although some would say IP High Income is a tad aggressive with all that tobacco etc. The Troy Income fund is in the top class of Income funds but if the poster wants growth then perhaps not a great choice to hold in a small portfolio of 5.

I wouldn't think my own holdings are a guide for anyone else but if it helps explain my thoughts then my own portfolios are looking for Growth with a hint of capital preservation, they currently comprise 69% Vanguard LifeStrategy 80% with the rest in 4% Henderson Smaller Companies IT, 4% Scottish Oriental Smaller Co's IT, 6% Worldwide Healthcare IT, 7% Personal Assets IT, 4% Finsbury Growth & Income IT.

I recently sold half of my Scottish Oriental holdings, all of Henderson Global Growth and all of Scottish Mortgage IT as I sought to take some risk off the table, I added to the Vanguard fund and re-bought into RIT Capital Partners to try and take advantage of the unusual 9% discount to NAV. In one more cautious portfolio the holding is Vanguard LifeStrategy 40% rather than the aggressive 80% fund but that is for someone more concerned with capital preservation.

HTH,
Mickey
ps. If I din't enjoy investing so much I would probably stick everything in a single Vanguard LifeStrategy 60% holding.

Talk about dull......

imho

J

Jegersmart

A_Flock_Of_Sheep wrote: »

Well my little Virtual Portfolio isn't doing so well! It is already down circa £80 and it's only been running a couple of days.

What's happened to the FTSE? It was going up now it seems to know I am wanting to come in and is dropping.

I still have taken no plunge with investments yet and this has proven very interesting tracking the funds like this.

Redbuzzard: A canny investor you are - any comments ?

Take a look at my post above, citing possible equity weakness and some price levels to look out for. Buy heavily when there is panic and fear and take profits when discussion boards like this are full of posts with people wanting to invest "because markets are doing well". A bit harsh, but it tends to happen far more often than not.....

J