ISA portfolio advice

stringer_bell

Hello all,
Looking for some advice, time to topup my ISA tonight. I'm thinking to do half in S&S and half in cash.. although I do have considerable cash savings.. I'm tempted to put it all in S&S. I'm 28, self employed.. topped up pension. Heres my portfolio, do you guys have any recommendations on some sectors I'm missing? It's up 17 percent over the year..

ABERDEEN ASIA PACIFIC A ACC 20.21
ABERDEEN EMERGING MARKETS A ACC 22.47
AXA FRAMLINGTON BIOTECH R ACC 51.42
AXA FRAMLINGTON GBL TECH R ACC 13.31
BLACKROCK GOLD & GENERAL A ACC -30.9
CLOSE SPECIAL SITUATIONS A ACC -6.4
HSBC FTSE 100 INDEX RET ACC 24.08
HSBC FTSE 250 INDEX RET ACC 36
JPM NATURAL RESOURCES A ACC -23.08
M&G GLOBAL BASICS A ACC GBP 7.51
SCHRODER US MID CAP A ACC 26.96
STAN LIFE INV UK SM COS R 26.7

Linton

How about Europe? What are the % allocations?

stringer_bell

Linton wrote: »

How about Europe? What are the % allocations?

I have 19,443.60 split evenly over them all, as much as can be.. my III doesn't show me percentage..

Emerging markets have 1000 more and blackrock gold and general, 1000 less

Totton

Hi,
It's up 17% because it is a high risk portfolio, it could just as quickly go down 17% which is the chance you take. If you are happy with this level of risk then perhaps you are missing a little Latin America & Frontier Markets, property and hedge funds. If your portfolio size is 19k then I'd suggest that you have too many funds already.

Linton

stringer_bell wrote: »

I have 19,443.60 split evenly over them all, as much as can be.. my III doesn't show me percentage..

Emerging markets have 1000 more and blackrock gold and general, 1000 less

In which case I think you could usefully put more into some of the major sectors at the expense of the smaller ones. For example Far East is worth a double allocation and the general emerging markets area could be expanded . Having both Natural Resources and Black Rock Gold seems a bit much. What does M&G Global Basics add? It doesnt seem to fit in with the higher risk theme of much of the rest of the portfolio and performance over the past 5 years has been mediocre.

Although the individual funds are mostly higher risk the level of diversification is high and so I dont see the total portfolio as wildly risky.

stringer_bell

Linton wrote: »

In which case I think you could usefully put more into some of the major sectors at the expense of the smaller ones. For example Far East is worth a double allocation and the general emerging markets area could be expanded . Having both Natural Resources and Black Rock Gold seems a bit much. What does M&G Global Basics add? It doesnt seem to fit in with the higher risk theme of much of the rest of the portfolio and performance over the past 5 years has been mediocre.

Although the individual funds are mostly higher risk the level of diversification is high and so I dont see the total portfolio as wildly risky.

Yes, I'm thinking of selling a few but I don't want to sell blackrock as it's down 30 percent, I will keep it and see if it picks up. I'm going to add half the allowance tonight/tomorrow so will top up some of my better performers, and maybe sell M&G global while it's up 7 percent. You think it's worth topping up emerging markets with double this time?

I do agree I have maybe 1-2 funds too many, will look to chop some off and then top up

stringer_bell

Ok, this years update, any thoughts would be good. I have 17.6 being transferred soon from cash isa, and another 15k in July. High risk I don't mind

AXA FRAMLINGTON BIOTECH £6863.9 +86.79
AXA FRAMLINGTON GBL TECH £3641.53 +23.93
BLACKROCK GOLD & GENERAL £747.81 -44.94
CLOSE SPECIAL SITUATIONS 1529.6 -12.59
HSBC FTSE 100 INDEX 3390.93 +12.13
HSBC FTSE 250 INDEX 5223.94 +29.37
JPM NATURAL RESOURCES 1142.0 -24.06
PFS CHELVERTON UK EQ INC 1041.07 +4.1
SCHRODER ASIAN ALPHA PLUS 1178.37 -5.84
SCHRODER US MID CAP 4235.83 +30.1
STAN LIFE INV UK SM COS 4490.8 +35.06 33485.9 + 23.48

System

stringer_bell wrote: »

Ok, this years update, any thoughts would be good. I have 17.6 being transferred soon from cash isa, and another 15k in July. High risk I don't mind

AXA FRAMLINGTON BIOTECH £6863.9 +86.79
AXA FRAMLINGTON GBL TECH £3641.53 +23.93
BLACKROCK GOLD & GENERAL £747.81 -44.94
CLOSE SPECIAL SITUATIONS 1529.6 -12.59
HSBC FTSE 100 INDEX 3390.93 +12.13
HSBC FTSE 250 INDEX 5223.94 +29.37
JPM NATURAL RESOURCES 1142.0 -24.06
PFS CHELVERTON UK EQ INC 1041.07 +4.1
SCHRODER ASIAN ALPHA PLUS 1178.37 -5.84
SCHRODER US MID CAP 4235.83 +30.1
STAN LIFE INV UK SM COS 4490.8 +35.06 33485.9 + 23.48

Probably due a bit of a rebalance? I would say overweight in the biotech fund which has had a good run.

Not much exposure to Japan/Europe?
Perhaps a core equity income fund? (the chelverton fund you have is small cap focussed).

I've personally started buying back into emerging markets, but I'm only drip feeding in as think they could have further to fall.

Similar with Gold funds - might be an idea to start drip feeding as again think could fall a bit more, but it is a good hedge against the rest of your portfolio which will sink if the markets tank.

Just opinions, there isn't a right or wrong answer and so far you have done pretty well....

jimjames

If those are equal allocations then I'd think you are quite low on core UK funds. No bonds (nor do I, well around 1% is near enough)

Personally I'd use a tracker for the USA as so few funds beat the index.

stringer_bell

jimjames wrote: »

If those are equal allocations then I'd think you are quite low on core UK funds. No bonds (nor do I, well around 1% is near enough)

Personally I'd use a tracker for the USA as so few funds beat the index.

Do you mean a US tracker similiar to the HSBC FTSE?

stringer_bell

teepee83 wrote: »

Probably due a bit of a rebalance? I would say overweight in the biotech fund which has had a good run.

Not much exposure to Japan/Europe?
Perhaps a core equity income fund? (the chelverton fund you have is small cap focussed).

I've personally started buying back into emerging markets, but I'm only drip feeding in as think they could have further to fall.

Similar with Gold funds - might be an idea to start drip feeding as again think could fall a bit more, but it is a good hedge against the rest of your portfolio which will sink if the markets tank.

Just opinions, there isn't a right or wrong answer and so far you have done pretty well....

The biotech fund has done well for me, when I topup with the 17k, I will definetely not top this one up as much

I'm weary of putting anymore money into the blackrock as its dropped so much, makes me feel uneasy but I guess the motto is " buy when market is low " right?

A japan fund is on my todo list, I was also considering Russia too!