Investment Bug

Linton

socrates wrote: »

I am by no means an expert BUT the general advice here and on every other forum I have looked at suggests at least one Vanguard product - and try to tie it in to when you retire

Not unless a Vanguard product invests in the areas in which you want to invest and has the level of risk you are seeking. Those factors are the most important, charges are secondary. Just because a fund has "Vanguard" on the label doesnt automatically make it right for you.

grizzly1911

Vanguard appears to be an easy way of investing and forgetting. They allow to you diversify and mitigate some risk .The in fund charges are relatively low but if performance isn't ground breaking you get what you pay for.

Over the longer term who knows they may out perform your own selection.

If you want to dabble and have ago yourself then there is no reason you have to hold them.

When considering your choices have you considered how far they fell in 2008? It takes twice as much gain to recovery from a loss. A portfolio that minimised loss at that point but has modest growth year on year will be a less risky bet.

IPHI (I have it as I am sure do many other people) is a strong performer but as Dunston says a different animal.

jem16

A_Flock_Of_Sheep wrote: »

And yes vanguard does seem expensive for smaller investors like me.

That all depends on where you buy it from.

However it all depends on your strategy (active or passive) and your objectives.

Linton

A_Flock_Of_Sheep wrote: »

Well as a few might know I am new to investing and have now finally got my portfolio up and running. It has taken since the new financial year and I am still waiting for transfers in of cash ISAs

My portfolio is now made up from:

Invesco Perpetual High Income (acc)
Invesco Perpetual Japan (acc)
Newton Asian Income (inc)
Unicorn UK income (inc)
Marlborough Multi Cap (acc)
HSBC GIF Turkey Fund

You choices of funds look a bit random, with no obvious overall strategy. It would be more usual to start off with a general fund or two and move into the niche markets as your total pot size gets larger.

However assuming you arent putting all your wealth into these funds in one go but rather starting small, there could well be a case for trying a range of investments to see what style of investing suits your temperament and whether you can cope with the rises and falls of the markets. So good luck!

A_Flock_Of_Sheep

Linton wrote: »

You choices of funds look a bit random, with no obvious overall strategy. It would be more usual to start off with a general fund or two and move into the niche markets as your total pot size gets larger.

However assuming you arent putting all your wealth into these funds in one go but rather starting small, there could well be a case for trying a range of investments to see what style of investing suits your temperament and whether you can cope with the rises and falls of the markets. So good luck!

When you say a "general fund" what do you mean?

bowlhead99

A_Flock_Of_Sheep wrote: »

When you say a "general fund" what do you mean?

A portfolio fund which, whether active or passive, balanced in terms of sectors/regions and asset classes. Rather than you just deciding you want a bit in high dividend funds here and there and a random emerging market over there.

A more typical approach when starting investing is to use some generalist funds to cover all bases and only later add a few funds to match your particular convictions and seek outperformance. You seem to have just grabbed a bit of what you fancy on the basis that no other fund is going to be necessarily any better than those choices. That might be correct in terms of long long term returns but your approach is necessarily more volatile and risk-filled than what a typical investor would select when advised by professionals.

A_Flock_Of_Sheep

bowlhead99 wrote: »

A portfolio fund which, whether active or passive, balanced in terms of sectors/regions and asset classes. Rather than you just deciding you want a bit in high dividend funds here and there and a random emerging market over there.

A more typical approach when starting investing is to use some generalist funds to cover all bases and only later add a few funds to match your particular convictions and seek outperformance. You seem to have just grabbed a bit of what you fancy on the basis that no other fund is going to be necessarily any better than those choices. That might be correct in terms of long long term returns but your approach is necessarily more volatile and risk-filled than what a typical investor would select when advised by professionals.

Maybe but I am learning. That said my Turkey Fund has gained just shy of £700 in one calendar month so can't grumble at that. The Japan Fund had grown £550 approx so can't grumble at that either. So £1200+ in one calendar month can't be sneezed at - some people work all month 40 hours a week for that.

Not sure who it was but I conversed with someone on here on a thread who had the Shoroder Small Cap Discovery Fund with impressive growth.

sabretoothtigger

A_Flock_Of_Sheep wrote: »

Invesco Perpetual High Income (acc)
Invesco Perpetual Japan (acc)
Newton Asian Income (inc)

Neptune Jap instead as they short yen which is obviously best

Newton are good for income, they hold hsbc though so still subject to trends but right now very good

I dont know about taking just turkey, right next to syria. high risk just to take one country and i like the idea, its also due to gain from kurd oil but i think hold general asia pacific fund not so specific

A_Flock_Of_Sheep

sabretoothtigger wrote: »

Neptune Jap instead as they short yen which is obviously best

Newton are good for income, they hold hsbc though so still subject to trends but right now very good

I dont know about taking just turkey, right next to syria. high risk just to take one country and i like the idea, its also due to gain from kurd oil but i think hold general asia pacific fund not so specific

I have been pleased with the instant gain with the Turkey Fund. I am monitoring it very carefully and it is not something I plan to hold "long term". I will bail on it and keep the gain for onward investment. That said it could lose 80% tomorrow?!?! My approch is obviously Avante Garde.

socrates

What was your purpose for your original post?

You seem to keep repeating the same things over and over

You are disregarding all the advice from the more experienced board members

Or did you just come here to brag how you made 1200 quid in a month

I wonder if you will be as quick to tell us about your losses