Critique my planned portfolio please

westy22

socrates wrote: »

The funny thing is I came out of this just yesterday - I think its performance cannot be matched over the next couple of years

I quite agree - I don't think it can maintain its past momemtum over the next two years but I would still be happy to achieve 50% of what it has gained in recent years, going forward.

socrates

westy22 wrote: »

I quite agree - I don't think it can maintain its past momemtum over the next two years but I would still be happy to achieve 50% of what it has gained in recent years, going forward.

Are there any in the Vanguard range that cover this sector?

bigfreddiel

Tiglath wrote: »

Vanguard Lifestrategy 80% - 20% (16% equity/4% bonds of total)
UK tracker - 17%
US tracker - 10%
Asia Pacific - 10%
Global bonds - 10%
Europe ex UK - 8%
UK value equity - 8%
Emerging mkts equity - 7%
Emerging mkts bonds - 5%
REIT - 5%

firstly -why bother with that granularity?

do this

lifestrategy 60 ACC - easy and boring - your ego won't be satisfied that your plan is better - it won't be.

or simplify yours

world equity index fund (VWRL maybe) 60%
gov bonds (VGOV maybe) 10%
corp bonds (ISXF maybe) 15%
index linked bonds (INXG maybe) 15%

don't bother with property 5% allocation isn't going to make a big effect

9 dripfeeds at £1.50 = £13.50/month or about £160/yr

4 dripfeed at £1.50 =£6/month or £72/year

so a lot cheaper over 30 years you'll invest £2k+more

kiss

cheers

fj

bigfreddiel

JoeCrystal wrote: »

check the price of my shares daily.

waste of time - monthly at the most, 6 monthly is fine tho'

cheers

fj

westy22

socrates wrote: »

Are there any in the Vanguard range that cover this sector?

Yes - Vanguard do a Pacific ex Japan Index Tracker. 0.10% initial dilution levy and then 0.30% ongoing charge. It tracks the MSCI index for that region and achieved a gain of about 26% over the past 12 months.

By contrast, a typical actively-managed Pacific ex Japan fund would be charging about 1.5% to 1.8% (you may get a small rebate on that with some providers or you might be able to buy a clean class at about 0.75%).

Hominu

bigfreddiel wrote: »

waste of time - monthly at the most, 6 monthly is fine tho'

I download them daily, but only for completeness so my graphs look nice all it takes it to click a button, so its not exactly time consuming.

bigfreddiel

Hominu wrote: »

I download them daily, but only for completeness so my graphs look nice all it takes it to click a button, so its not exactly time consuming.

true, but it's still a waste of time

Tiglath

bigfreddiel wrote: »

true, but it's still a waste of time

Not if it gives you pleasure

Tiglath

Did some manual analysis of my existing pension pots and ISA. I opted for VLS100 for my new ISA, not realising that my bond exposure is pretty much zero all round, so that will need to change.

bowlhead99

Manual analysis can be a headache. I must say though, if you've properly split out your Aus/NZ and your emerging markets out of the AP ex-japan sector, that's a pretty large chunk still left there in what by elimination must be HK, Korea, Singapore? Compared to the larger 'traditional' markets of e.g. US and Europe.

The bonds do look pretty small given that in posts 1 and 11 you said you were aiming for 19% and then 20% bonds and you're well under 5%.

Back on the subject of manual analysis it can be difficult to present it usefully, for example if you have an EM bond fund does it go in EM or bonds; if you have a REIT-type property fund or infrastructure fund that's heavily into US and Europe are you calling it a new asset class like the bonds or are you splitting it into the exposure to the two regions.... It can sometimes be difficult to visualise what you really have.

I tend to put it in a spreadsheet so i can use a pivot table to flip the same data around into sector or geography or asset type as needed. But I try not to do it too often, as apart from it being a time eater, looking at it daily or weekly there won't be meaningful changes, whereas annually or semiannually you see the before and after as a more visible change which can give you pointers where to go next.