Are these fund choices any good?

MoneySaverLog

I've been looking at the following in the HL Wealth 150 to drip feed into my isa each month. Any suggestions for any others I could look into or is this enough. I'm thinking of a equal split across all of these.

Aberdeen Asia Pacific A Accumulation
Jupiter Global Managed Fund Accumulation Units
First State Global Emerging Mkt Leaders Class A Accumulation
JPMorgan Natural Resources Accumulation Units
Henderson European Special Situations Accumulation

redbuzzard

Subject to the usual caveats regarding advice and your particular situation, other investments and attitude to risk...

If I was making regulars contributions for the long term, low cost trackers would get more weight as the main equity investment, especially for the UK & US exposure.

The UK index is pretty international anyway. The US seems to be recovering well and I wouldn't bet against the dollar strengthening against sterling over the next few years despite the US's own inflationary efforts.

Maybe consider one of the Vanguard Lifestrategy funds? That would also give you some bond exposure.

The received wisdom is that the case for managed funds is stronger in less developed markets and that seems rational. For the UK I like the yield and quality underpinning Invesco Perpetual Income which seems to do a good job over time with lower volatility than the index but that is less of a consideration for you with regular contributions.

Have you looked at the HL model portfolios? I haven't for a while and IIRC they don't generally use trackers (which I would) but they might provide some ideas on allocation.

dunstonh

I've been looking at the following in the HL Wealth 150 to drip feed into my isa each month.

What made you pick the marketing 150 list?

I'm thinking of a equal split across all of these.

A very high risk selection. Smacks of fashion investing a bit. Are you ready for a rollercoster ride of volatility at a level far far higher than the average person in the UK would be willing to accept?

marathonic

The one out of these that I have in my pension fund is JPMorgan Natural Resources.

Even though my timeframe is 30 years+ and it's only a 5% allocation, I consider it to be pretty risky. That being said, I do expect Natural Resources to come back eventually and, that being the case, I could, potentially, see myself doubling down should it drop another 10-15% (it's a recent addition to my portfolio).

socrates

removed thanks

redbuzzard

socrates wrote: »

Any ideas for 15 years of growth required and no income - all profits re-invested

Have £11k to spend with HL - last years S&S ISA allowance

Respectfully suggest another thread - it gets very confusing otherwise.

Jegersmart

I will be adding to JPM Nat Res over the coming period (next several weeks) as I see these resource/commodities related equities joining in a rally attempt in later Q2 for an ultimate topping process over the summer. I do expect that we will have a equities bear market later this year into early 2014 to set up for some serious buying opps, so I will be adding with a view to getting back out by mid Q3, this sector is getting increasingly oversold along with gold bug equities. I envisage having a 40% exposure to nat res and gold mining and similar at some point in the coming months but this is of course not for everyone!

All the best

J

System

MoneySaverLog wrote: »

I've been looking at the following in the HL Wealth 150 to drip feed into my isa each month. Any suggestions for any others I could look into or is this enough. I'm thinking of a equal split across all of these.

Aberdeen Asia Pacific A Accumulation
Jupiter Global Managed Fund Accumulation Units
First State Global Emerging Mkt Leaders Class A Accumulation
JPMorgan Natural Resources Accumulation Units
Henderson European Special Situations Accumulation

Too volatile for me! You would have:

• 40% exposure to APacific + Emerging Mkts (this is a lot even for an adventurous portolio)
• Very little/no UK exposure
• 20% in commodities which are even more volatile than the other holdings (I would always have <10% in commodities)

I would also hold some fixed interest e.g. strategic bond funds.
Of course, i'm not an IFA and don't know your circumstances. These are just my personal opinions on what I would/have done with investments.

Dont just look at HL's recommendations. Check bestinvest, morningstar and trustnet.

System

Jegersmart wrote: »

I will be adding to JPM Nat Res over the coming period (next several weeks) as I see these resource/commodities related equities joining in a rally attempt in later Q2 for an ultimate topping process over the summer. I do expect that we will have a equities bear market later this year into early 2014 to set up for some serious buying opps, so I will be adding with a view to getting back out by mid Q3, this sector is getting increasingly oversold along with gold bug equities. I envisage having a 40% exposure to nat res and gold mining and similar at some point in the coming months but this is of course not for everyone!

All the best

J

You are brave!;)

tushingham

Jegersmart wrote: »

I will be adding to JPM Nat Res over the coming period (next several weeks) as I see these resource/commodities related equities joining in a rally attempt in later Q2 for an ultimate topping process over the summer. I do expect that we will have a equities bear market later this year into early 2014 to set up for some serious buying opps, so I will be adding with a view to getting back out by mid Q3, this sector is getting increasingly oversold along with gold bug equities. I envisage having a 40% exposure to nat res and gold mining and similar at some point in the coming months but this is of course not for everyone!

All the best

J

Thanks for this. Can I ask which other funds or etfs you're using for commodities and Nat resources?

Cheers
T

Jegersmart

tushingham wrote: »

Thanks for this. Can I ask which other funds or etfs you're using for commodities and Nat resources?

Cheers
T

Hi

At the moment I have some initial positions entered in the last week or so into:

Investec Global Gold
Blackrock Gold & General
JPM Natural Resources
(not equal splits - I would say 40% each in the Golds, 20% or so in the Nat Res)

I am waiting to see if/when I am going to add or not.

In terms of ETF's, I am not permitted to use these if they relate directly to the price of commodities due to professional conflict of interest (apparently) but I could instead use something like Market Vectors Gold Miners ETF (GDX, GDXJ) although these are US domiciled of course.

There are other funds of course, Smith & Williamson do one afair and also SF Webb etc. It is always a bit of a gamble as to the fund choice, but this is more convenient for me at this time than using ETF's in this case.

HTH

J