Investment Bug

redbuzzard

grizzly1911 wrote: »

I am not so sure pedestrian is necessarily the requirement more consistent and resilient.

I share your interest as one counterbalance is bonds but these are also currently seen as "proceed with caution" in case interest rates and inflation take off.:(

Have you tried loading your portfolio (real or hypothetical) into Trustnet? It gives you a steer on volatility with its "risk score" by fund/share.

I tells me that my portfolio risk score is now about 55, cf. the FTSE of 100. A typical corporate bond fund would be about 30. GARS is 29 so that is one of my dampeners at the moment.

There's more to it than volatility of course - there's still asset and sector allocation to consider.

I'm attracted to GARS because it is internally diversified, a pension fund in a box. The only slightly worrying thing is that nobody knows quite what's in the box!

grizzly1911

redbuzzard wrote: »

Have you tried loading your portfolio (real or hypothetical) into Trustnet? It gives you a steer on volatility with its "risk score" by fund/share.

I tells me that my portfolio risk score is now about 55, cf. the FTSE of 100. A typical corporate bond fund would be about 30. GARS is 29 so that is one of my dampeners at the moment.

There's more to it than volatility of course - there's still asset and sector allocation to consider.

I'm attracted to GARS because it is internally diversified, a pension fund in a box. The only slightly worrying thing is that nobody knows quite what's in the box!

I do use trustnet. I have 5 pots for different things, I keep meaning to do summary portfolio.

The biggest and riskiest, but it has been for many years is 80/20 with a score of 62. Mainly equity income.

Three others are 60/40 scoring 44 - 48 where I am looking for more "stability".

My lowest risks are the ubiquitous M&G Optimal Income @ 24 and bond funds @ ~30. The highest risk is an all share tracker. Some feature in more than one pot.

The final one is a 20/80 just to see how it fares @ 28.

Probably too much in the UK but reasonably well spread. My next tranche will be 60/40 with more going global @57.

I probably have too many and will look to rationalise/rebalance later in the year - or earlier if platform fees dictate.

I do monitor a portfolio for an elderly relative under the stewardship of an IFA. They are risk rated at 2 -3 and the portfolio is 85% FI and 15% MA which attracts an FE score of 24 across 13 funds. Interesting.

Is that the Standard Life GARS?

A_Flock_Of_Sheep

After reading all this I think I might cash everything in while immon the up and start all over again.

I expect a massive crash is due soon anyway.

redbuzzard

grizzly1911 wrote: »

Is that the Standard Life GARS?

Yes, sorry.

The main concern, if there is one, is that it is such a gigantic fund. I wouldn't be surprised if it is limited at some point, though the managers said last year that it wasn't a concern.